Issues related to credit histories, are governed by Federal law 218-FZ "On Credit Histories", so if there is any doubt or want to know the most reliable information you need to learn in the first place exactly with the law. This law is simple and intuitive, and that is especially nice – neat: it is only a few pages. Southwest Airlines has firm opinions on the matter. Let's start with the most important. Credit history – it's about how the borrower has fulfilled his Acting on the loan agreement, and crediting. Credit report – a document that contains information from the borrower's credit history. More information is housed here: Jeffrey Leiden. It was this document prepared stakeholders (what – a little later) – in paper or electronic form. Borrower's credit history of an individual consists of three parts: the title, the main and closed. The title section contains the identity of the borrower – ie name, date and place of birth, passport data and, if available, Taxpayer and the number of pension certificates. The main part of the credit history indicates more detailed information, such as: – place of incorporation and place of actual residence, the borrower – indication of the obligation of the borrower on the date of the loan agreement – a timeline for the fulfillment of the obligation and timing of payment of interest – information on the dates and the actual performance of obligations under Loan Agreement (meaning delay and arrears), – the settlement of the loan by providing – on the facts of consideration by courts of disputes under the loan agreement in the closed part of the credit history contains information on sources of credit history – namely the banks, who have sent the relevant information about borrowers.
This tool allows you to refinance both the bank that issued the mortgage, sell this loan refinancing organization (usually a large bank at the federal level, which specializes in buying pools of mortgages). Before the crisis, major Russian banks access to foreign financial the market was easier, lending rates are much lower. Today, our creditors became difficult to raise money for the West to finance mortgages in Russia, we have to look for money in the domestic market. " "Appreciation financial resources has led to increased interest rates on mortgages for some Russian banks ", – said Sergey Denisov, head of credit Kirov branch of Sberbank. According to Sergei Kreknin, Director of Business Development "Credit atelier," one of the causes of rising interest rates – is the risk of a possible devaluation of the ruble. For example, if the summer of 2007, some banks lend at Kirov 10.75% by the end of , this bar has risen to 13%. According to Sergei Denisov, "Sberbank is enough equity in order to not raise rates on housing loans." Depending on the loan term, type of support and share borrower's own investments rates range from 11 to 12%. It is known that over the past two years, rates on loans to the Savings Bank of the population were substantially lower – by about 30%. IzhLadabank continues to lend at rates higher than the city average (13-16%). Loans are granted at the expense of customer deposits, the money for other lending institutions that are not used.
The Master Plan for the city of Yekaterinburg suggests that in the near future will begin an expanded building, which will fall in the number of so-called cottage poselki.V currently in Yekaterinburg everything is done to ensure that data is most widely villages. In large quantities are being built good roads, so the distance from the cottage village to the city will not have a really big value. The authorities of the city are fully aware that the roads roads, but in order to develop cottage communities need well-functioning public transport. Now for the real estate market, as Ekaterinburg, Sverdlovsk region and the sale involves the sale of cottages so-called three types of cottages, and towns, respectively. So here you can buy the elite level cottage, cottage business class and economy class cabin. At the same regardless of which class belongs to your town, it necessarily has its own isolated and carefully guarded area. For other opinions and approaches, find out what Oracle has to say. At home in the cottage settlements built on a single project, so it turns out that the whole village is aged in a unique style.
Number of houses in these villages are usually did not exceed 30. Each village has its own pool, everyone has the opportunity to go into the woods. In addition, the village is well-developed infrastructure, a man without leaving town, can get whatever he needs for life. Naturally, in every village can not be built University, but kindergarten, and possibly an elementary school should be in them necessarily. Buying a cottage really is a sea of pluses. First of all, the main advantage is the clean environment that is very important, and what long-estranged inhabitants of modern cities. Another advantage is that the cottage is not enough housing that a larger area, so for him still and the land attached. Even without considering these advantages and the fact that in a modern cottage settlement you receive a high level of safety and comfort, remember that buying a house in the cottage is quite profitable investment. And furthermore, the cottage is in fact mansion, and the owner of the estate is sounds not only beautiful but also very real. So, if you always dreamed of being master of the estate, it's possible it's time to realize his cherished dream.
First, it should be articles on the topic of investing. General information – terms, concepts, mechanisms and strategies. All the obscure details and nuances you can ask people – Visiting, for example, one of the forums devoted to this purpose. Search the forum sections headings devoted to beginners investing activities, and other topics of interest to you. Tie a familiarity with users forums. If possible read one or two benefits or a book.
Visit some popular Internet resources on this topic, gather enough information written in accessible and understandable language. Subscribe to relevant Internet mailing … And most importantly – do not be afraid to seem inexperienced. Because each of us took suitable training before becoming a specialist. The fifth stage – the specification of investment strategy. Now you need to decide which direction to invest for you? What level of risk is acceptable for you personally? Are you prepared to risk chasing a large percent of the returns, or to start taste safer methods of investing? Choose a mutual fund, OFBU or start from bank deposits? Which tool investment, one of those that you learned about the fifth stage, looks the most suitable for you? What do you know about the level of its risk and return, what are the main indicators are inherent to it? Naturally, at the primary level is preferred less risky investments, preferring to bank deposit programs or at least respected credit unions. In the meantime, continue to gather information.
Ask for a start, principles and modalities of work: – Mutual Funds (SIF) of all kinds and types – general funds Banking Department (OFBU) – Gold Deposit – unallocated bullion accounts (CMI) – this year promises to be the most profitable investments – Asset Management (DM) – the organizations providing services management trusted them with the means to gain profit. – Credit Unions (COP) and other organizations working with the involvement of investors. If the services of any company providing services to cash management are like you – do not hesitate to ask all about your products and services. Do not forget, you trust them with their money. Maybe in the early stages and smaller, but still money. Make sure you know all about this company – how it invests, where, how, what its assets, the period of … Companies offering high interest rates, at first to be subject to you concerns. Do not forget the bitter experience of the MMM and similar pyramid schemes. First and foremost, pay attention to companies and organizations operating in the investment market for quite a long time and won a credibility. Do not start with large amounts – it must be remembered that almost all investments are inherent risks, and risk once large facilities – a dangerous occupation. Therefore, start small, at least at first. Live life of the investor, learn about the major pitfalls, then proceed with the serious action and the amount. Thus, step by step, any of us with a corresponding desire can achieve some results in the field investment. What exactly – it depends specifically on each of us. Efficiency, success and harmony to all!
For owners of commercial real estate – exclusive information support of your proposal in the print media of Volgograd and the Internet. This site contains reliable information on commercial property, exhibited by sale and to rent. Options for rental and sale of commercial property, offices, warehouses, regularly updated and corrected. This means that you can track all changes in the market commercial real estate prices and trends. On our site you can find the latest news real estate market, including commercial. We have also presented and analytical materials on buying, selling and leasing commercial real estate. The database is represented by commercial real estate for all major types: office, warehouse, commercial real estate from the leading companies in this industry.
Thanks to the Base commercial real estate, you can easily find and make correct choice of office, warehouse or commercial space, choose the most appropriate to your condition to rent office space. You'll also find a large list of suggestions: office rental, rent office buildings, rental of commercial space. In a highly competitive and comparative lack of space commercial real estate in Volgograd is impossible to do without the services of a professional realtor. Commercial property for sale in recent times become more marketable transaction. Buying and selling space, value for money in commercial real estate has long been a lucrative business of Volgograd and the Volgograd region. Buying or selling a commercial Real Estate aims to future profits.
Experts predict the price of commercial real estate will continue to rise, because demand still exceeds supply. And because construction of new buildings and will gain momentum. In order to effectively search for proposals for the sale and leasing of office premises using modern IT-technology and systems combined with advanced communication strategy to promote the objects. With the online-application, you can request a search for office rental or sale, as well as to offer their premises for sale. In addition to our clients real estate company "Kvadrametr" provides professional advice on marketing, analytics, expert assessment of projects in commercial real estate sales and rental offices. Our experts will select the best object of commercial property on purpose, price and conditions of sale, coordinate and solve all questions valuation of the object, transfer of rights to object, will prepare a full set of documents. Professionalism of Realtors, a vast, constantly updated database of objects and individual approach to customers – a guarantee of successful cooperation. The difficulty is that commercial property to satisfy the maximum on all counts: the area of the city, distance from any cultural centers, room size, layout, its location within the building, floors, price and more. This is a very difficult task, with which we help our customers cope.