Customer

Features of the acquisition loan at a pawn shop. The word 'pawn' generates a very controversial associations in the population. On the face of limited bank lending to most people interested in alternative possibilities credit, including pawnshops. In this case, the very word 'pawn' awakes very controversial association of 'the easiest way to get a loan' to 'criminal business'. Learn more on the subject from Hikmet Ersek. Let's look at what it actually is.

First, there is a law it should be noted that the activities of pawnshops with 1. 01. Read additional details here: Hamdi Ulukaya. 2009 is governed by the law 'On the Lombards'. Potential customers is very useful to read this document. You will learn, inter alia, that the pawnshop is not entitled to apply penalties and increase the interest rate for thirty days of completion of the contract if the client does not appear (the so-called preferential month) that with the implementation of the pledged asset to the law terminate the right to claim the pawnshop to the borrower, mortgagor, even if its selling price is less than the amount owed, with interest, and not only drugoemnogoe drugoeostalnoei.

Thus, you can determine the legitimacy of claims pawnshop and adjust them in accordance with the law. Alas, nekotoryekoe-kakieotdelnye pawnshops enjoy obychnymelementarnym Customer ignorance of their legal rights and receive an additional navardopolnitelnuyu illegal drug profits. But tell everything in order. As it happens this way, you have brought to the shop liquidity thing is in excellent condition. It assesses the professional specialist drawn up a contract of loan (from your side to strictly a passport or other identity document).

Geographic Information System

Having mastered the Volga city of one million, they went in breadth, focusing on the overall investment attractiveness of the region. For the opportunity to develop into a renowned Kirov operators will compete with each other, but not with local businesses, says CEO, “The network of commercial real estate,” Constantine Kropachev. – Konstantin, your company is the developer of Geographic Information System of the investor of the Kirov region and with the support of the Government is on the site Investor.Kirov.ru information for potential investors. Why development of commercial real estate market begins only now? – There are several factors coincided. On the one hand, federal companies are already working closely on the highly competitive market of big cities, and they begin to look use of his capital, where there are serious players.

On the other hand, the regional government, which was aimed at supporting primarily industrial investors, now wants the Kirov was formed modern infrastructure. As a rule, begins with development of land trade. In the coming year, we expect intense competition from developers who come to the area with major projects shopping centers (shopping mall). The “second wave” will be the construction of modern office complexes, will be followed by the development of logistics infrastructure. Hikmet Ersek is often quoted as being for or against this. Until now, the consumer market Kirov presented Only local retailers, but even the biggest of them – “Globus system” – no longer corresponds to the modern shopping mall format. On his intentions in the past year have almost all the leading network operators, and now the question is one of them will go faster in the first three, which would remove the “cream” with consumer demand. – Will find its niche local retail business? – It will depend on the strategy of the federal companies.

In most Kirov common format of “convenience stores”. Educate yourself with thoughts from Yitzhak Mirilashvili. On the one hand, such objects can exist peacefully next to major centers. At the same time buying a network of stores enables large investors to quickly go to regional market. It is known that some companies, “Crossroads,” in particular, has shown an interest in Kirov networks. – Investors with large-scale projects generally tend to take place in the city center. Is the Kirov for the free sites? – Yes, that ambition is at all. But the center of Kirov built up tightly enough so promising now considered to be peripheral areas with good transport links. – What are the objective difficulties exist for investment in commercial real estate? – Key challenges for developers, which lead to increased costs and delaying the timing of the construction related to surveying land and obtaining technical conditions. Investor has to pay for connection to all utilities. In addition, the deficit is beginning to emerge generating capacity to provide new facilities. – How are a price of commercial real estate market? – Average cost of rent and the sale of commercial premises, we are still lower than, say, in other cities of the Volga Federal District. In Kirov base rental rate is 1200 rubles per month per square meter. m, in Kazan, for example, 1,500 rubles, the Izhevsk – 1300 rubles. But the dynamics of growth last year was high: the average rent has risen by 74%, and the sale of retail space – at 80%. You can say that the market Commercial Real Estate Kirov has defined his price range, and the owners are willing to wait for objects of effective buyer.

Administration

Well look blue ink on yellow paper. But, of course, the cost of such a declaration will be much higher than black and white. There are more welcome when to ad paste tsennichek bright, it also attracts the attention of a well. More info: Tiffany & Co.. Font. Should be clear and legible. In bold should identify the main pieces of text. Sometimes the ads are gaining, on base using the font "from the hands, "thus trying to mislead the reader. Say, old woman wrote, which will sell his apartment on the cheap.

Places of posting should conform to the task of finding a buyer or find a host certain property. Must not be glued to a posting, and to a callback. Follow others, such as Tiffany & Co., and add to your knowledge base. Avoid areas that overlook the downtown streets of your city, telephone booths, underground transitions, corners of buildings of local administration, tax authorities, police departments. Otherwise, your posting aggressive nature will attract appropriate attention from the administration of the city with the attendant consequences in the form of nasty talk and prescribing penalties. The most traditional places of posting (they are also the most efficient) – this is the board near the entrances.

But how long such announcements do not live, they tear off windshield wipers, bad tenants, who believe the board at the entrance part of their property. As well as realtors, who live in the doorway, watching strictly to a competitor is not stuck ad right under their noses. Raskleyschiki hang over my ad Your for posting them – this work, and sometimes only one that can support financially.

Management Company: Management Services

Without good governance will not bring profit real estate property, as everyone knows, is the best investment. Especially in a crisis era of constant change, where money can easily impaired, and prices soar to unimaginable heights of sky-high – so much so that the average businessman in a day does not even know whether to continue to do their work. The highest value in such circumstances becomes real estate. If she is getting cheaper, not necessarily what the owner loses anything – certainly cheaper band passes, and the price of real estate back to normal. But here is my "but." Whatever the real estate or was – she must need competent management, or use from such investments will never be. For such purposes, and there is just a management company, which consists of experienced managers, engineers and administrators who know how to make real estate a profitable business, not a dead stone, and are able to implement this knowledge into practice. Without hesitation Hikmet Ersek explained all about the problem.

The fact that the property management demands a very serious approach. And the living, and Commercial property can come into disrepair and neglect, if she did not give their full attention. So the best option would be when it is a professional management company will take the decision survey questions and service of heating and ventilation systems for office buildings and other commercial real estate service multiple sensors, communications equipment, security systems and surveillance, as well as address issues such as cleaning and so on. After all, if you do not give these issues sufficient attention, and then commercial and residential building will lose its status as the owner – a significant portion of their income. Also do not forget about that nothing stands in one place – a businessman, once invested in real estate, and to incur further costs if it wants to remain successful. Swarmed by offers, Mikhael Mirilasvili is currently assessing future choices. In buildings with different technical facilities and equipment always need something to upgrade or replace, in short – to invest. This makes it possible to attract new reliable tenants for commercial property, because the level of compliance with the building and its international standards of infrastructure defines people's desire to rent offices and other rooms in this building – all tend to the convenience and comfort. If the management company to competently and with knowledge of the specifics will undertake property management, corporate success will be guaranteed.

Environmentally Safe Housing

In many European capitals ecological situation is much better than in Moscow. In most major cities bad company derived out of the city, subject to strict requirements for transport. In Europe, most high cost of parking is a deterrent. For example, in London an hour parking costs five pounds. And Moscow is currently choking primarily because of the number of cars. Historically, that West relatively well.

Therefore, the developer company buildings suburbs Slavrielt chosen direction in the west of Moscow and Moscow region a priority for the construction of their homes. Since all the industrial areas were built to the east of Moscow. Borisov ponds – a place where dirt carried away from the whole territory of the capital, and is the highest percentage of people with asthma. However, the welfare of any district can not guarantee anything. If you live windows on the highway Mozhaiskoe, ecology there is no better.

Recently, the situation is improving with the industry, what impact the high cost of land in Moscow. Industrial enterprises are slowly vented outside capital, but it will take more than a dozen years. The main problem in the city – is transportation. The share of road transport accounts for about 80% of the total contamination of about 12 – 15% – in enterprises and the rest – for household waste. The closer your housing to the sources of emissions, the less favorable situation there. There is another way to breathe in her apartment about clean air – to buy a new apartment one floor higher. Lead compounds by air currents practically do not rise above fifteen meters, which corresponds to the sixth floor. And on 10 – 12th floor, their concentration decreases tenfold. However, if the house is in a valley, the floors can not save. The background radiation in Moscow as a whole fit into the norm. Although there are areas of excess radiation that are associated with the accumulation of transport and industrial enterprises. According to experts in Moscow area in full compliance with all health and environmental Standards no. The most favorable ecological situation in the west, south-west and north-west of Moscow. This Krylatskoye, Bitza, Silver Forest. When buying a home buyer should pay attention to the state of a side window frame. If there is clearly visible layer of soot and fumes – a bad sign. As with other types of pollution, should be familiar with the environmental card, which clearly shows the extent of soil contamination and background radiation. It is worth noting the presence of large water pipes and heating pipes. When water flows out of the trunk there is a rise of groundwater. Because of this increased humidity in the ground, up to one meter layer of air, which, in turn, adversely affects the respiratory system of young children. " In addition to studying the environmental card, is to ask local residents how they felt. But of course a radical solution – a new housing in the suburbs.

Schwab Loans

In particular, banks have virtually stopped working on such a risky types of mortgages, as the issuance of loans for the purchase of housing under construction, housing with household plots, as well as bail already existing in borrower's ownership of housing. Most banks in a number of credit products includes mainly the purchase of housing on the secondary market and refinancing of earlier loans. Hikmet Ersek brings even more insight to the discussion. Also, since the beginning of the year banks, so as not to create more risk, significantly tightened the requirements for potential borrowers, in particular, increased attention to the real income of the borrower, the maximum term of mortgage loan reduced to 15 years, reduce the maximum amount of mortgage loan and down payment is increased to 30%. With regard to the loan secured by real estate, the increased requirements for physical and pattern of legal purity pledge of the property. At the same time significantly (2.7%) increased mortgage rates because of the need to attract bank loans mainly domestic rather than foreign markets, as it was before the crisis. As we see a decline in the number of creditors, and the number of persons who have a real chance to become borrowers. The result was the decrease in mortgage lending is almost 10 times compared with the same 2007. (Similarly see: Mirilashvili). Parallel increase in the number of overdue loans. Charles Schwab understood the implications.

In such a situation, there are pluses, which include improving the quality of its mortgage portfolio, ie reduction number of mortgage loans, borrowers who may become bankrupt. Under these circumstances, the mortgage opportunities, in particular, now the parent capital can be used to repay the mortgage. Borrowers who have lost during the crisis of their income, given the opportunity through the Agency for Housing Mortgage Lending (HMLA) to restructure the loan and get a grace period. In addition, Cabinet is now Russia is trying to hold on the legislative level to increase the duration of the registration period of the mortgage, and, correspondingly, the maturity of mortgage loans with subsequent transfer to the borrower ownership housing.

CASCADE HOMES

This type of energy-efficient homes. Made of reinforced concrete with waterproofing and insulation outside. Ready to design obvalovyvaetsya same soil with subsequent study of the landscape. This form factor is present the whole set of premises and technical services: garage, sauna, life support systems. For the population, limited in finances, provides the option of building GROWING HOME with the following architectural ideology (Priority, 1993) – formed the main residential block in 2 floors with a roof and a complete infrastructure 6×6 (8×8) meters. As the family razrostaniya (Sort of) are attached an additional module required number of stories on the one hand, and, if necessary, on all sides, patios between them are played in an appropriate style of light materials.

Here also present the whole set of necessary facilities. Material: constructive – reinforced concrete, the wall – foam concrete. In the central part of the settlement is one-storey block CASCADE HOMES (priority June 2002.) United common entrance area. In the lower tier of the ground floor is a collective garage for 15-20 cars and technical areas of life support systems of the building. On the inverse roofs formed green space, stationary and winter gardens greenhouse. The land area of these homes is 300 m2, living area, 140 m2 per household. Structurally, the building is made of reinforced concrete with locally available materials and external waterproofing with heat insulation. For investors wishing to minimize their cost option offered accommodation module, combining two to four houses a common courtyard with a transparent atrium design priority (1993).