The initial selling price of the apartment can not be less than 90% its value, which is specified in the act of evaluation. – The Bank may purchase the collateral property? – Yes, the holder of the collateral may be one of the buyers at a public auction. – And if the subject mortgage at the auction no one purchased? – In such a case within one month from the date of the first auction to be held repeated public auction. In this case, the initial selling price of flat object can be reduced, but within 25%. If is not realized and repeated public auction due to lack of demand, subject be purchased by the mortgagee at a price not lower than 65% of it (the subject of mortgage) of the cost. In the case where the bank does not redeem the object property at a specified price, the mortgage may be discontinued by the court.

– What are the consequences of such termination by counterparties mortgage? – Mortgaging property, not burdened by mortgage obligations is not the borrower, while the mortgagee, in accordance with what continues to be unsecured (unsecured) loan, which, despite the end of the mortgage, the borrower must repay. – Can pricing magnitude less than the cost of credit? – The price of the mortgaged property to be sold, does not depend on the loan amount. Therefore, the possible situation in which the apartment price will be less than the loan amount. – How and on what grounds borrower may challenge the established judicial apartment cost? – By appealing against the decision of the court of primary jurisdiction to a higher court (appellate or cassation). These bases can be, for example, a certain discrepancy between the prices of mortgage by the court of its market value, the existence in the act of evaluation, which used the trial, conflicting information, the preparation of an act of evaluation by an unauthorized entity, and the like. – Is such a scheme: the bank and the mortgagor shall conclude an agreement based on which, for non-return mortgage Zastavna borrower's property is transferred unconditionally to the bank and can be implemented In addition to the judiciary? – Law "On Mortgage" provides for registration of the contract to satisfy the claims of the mortgagee between him and the holder of the collateral of such an agreement may also be considered relevant clause in the mortgage agreement). It may involve the transfer of ownership of the mortgagee mortgaged property on account of repayment of the loan or the right to sell the mortgaged property on his behalf third party. In such situations, the subject of mortgage is transferred into the ownership of a bank or sold to a third party at market value, confirmed by an act of assessment or agreement between parties, so the court hearing is not required.


Much has been heard about the wonderful city of Tangier, the mystery that overwhelms the tourists when you come to this beautiful city where converge the ancient and the modern, Christianity, Judaism and islam in complete harmony, an example of peace for many and modernity to the same Morocco. However there is a sector that is growing by leaps and is tourism, King Mohammed VI to invested large sums of money to encourage and develop sustainable auto touring projects in the city of the Tangier and has achieved such good results that the world community has congratulated on multiple occasions the King on their strategies. The sale of apartments in Tangier has succeeded mainly in people who want to escape the busy European life, but who want to preserve all the comforts of modern life and the closeness of this continent as well as the mysticism of Arab cities and the tranquility of the Africa, however this has an even more attractive market economically speaking. Philadelphia Condos may find this interesting as well. Tangier is having a urban change incredible, resorts, villas, luxury hotels, golf courses, leisure centres and many more that they ensure the tourist future of this city and by which real estate in Tangier have had an incredible boom, and this can be used by many people not only tourists, but people with vision, businessmen, or people who wish to associate to create centers for vacation houses or apartments for vacationThis is very common is United States and tourists on all Americans seek to rent by the comfort of space and to save on meals homes or furnished apartments rather than hotel rooms, so a family of five or six you can spend a delicious week in Tangier freely enjoying the city and if you want to eat at home can save the restaurant or eat on the streets that is the taste of tourists. The sale of apartments in Tangier creates a variety of options either for personal use or to rent to tourists for short periods, this last option is one of the most profitable since they are very short periods (do not pass 15 days) houses not maltreat much and the income is as good as in a hotel, and in a short time room recuperaras your investment. To find the ideal property there are many real estate in Tangier that explain you in complex system existing in Morocco over property taxes roots, this knowledge will make that you save you thousands of dollars, there are clauses which charge you tax tax 0% the first years of renting your property, everything is a matter of knowing the laws and what better way to approaching experts that will advise on the purchase, as accentuate the value of your property and how to save on taxes..

Apartments Estate

Also, apartments in new or second home is assessed them in two ways. You can call the real estate agency and ask the realtor to view the apartment on the ground, but you can call one of the agency's office and take advantage of the rapid assessment. 1. When the realtor leaves the house, you need to check his documents, learn about work experience. Inexperienced specialist likely will not be able to determine the exact price of the apartment. 2. Express – assessment may also be questionable.

Assessing the apartment over the phone, the specialist is likely to call the average cost of an apartment. The thing is that for the rapid assessment realtor enters into a database, which contains all the apartments and accurately set the price for them. Then, he is looking for an apartment similar to the description given, and is the value of real estate. This method of evaluation is not always good. There are times when specialists from different real estate agencies in their own way appreciate the same apartment.

Moreover, the error could reach. Self-reliance Many landlords thought not to apply to real estate agency and do not bother professional appraisers. They take the appraisal of the property itself, but is it possible in such a way to objectively determine the price? You can, but will have to make considerable efforts. To ensure that their forces up the price of real estate to buy books about the property, which offers apartments for rent, renovated apartments and of course the sale of apartments. After examining all the proposals, it is desirable compare the cost of real estate, which by the meter and other data are similar to your property. It is important that the sample size was large, otherwise difficult to call an objective value. This method of estimating the flat is its advantages and disadvantages. The advantages include the fact that you know your apartment is better than the realtor, who will evaluate them over the telephone. The disadvantage can be called the seller and the bias is too great confidence in the prices Apartments in advertising. The whole point is that very often the published price, this is not the price for which the apartment will still be sold by auction. Also another nuance that in the base price of real estate agents are thousands of apartments, and in the media no more than 50. That is why the sale of housing need to resort to at least two methods of assessment to sell real estate.

Authority Apartment

One stamp will cost only 500-600 rubles. The same applies to forms, certificates, powers of attorney. Quite a few corrupt individuals: workers DEZa, passport office, registry office, notaries. Therefore, when buying Apartment carefully check the documents. It is better if you go to the assistance of qualified, independent attorney. He can see a fake.

Also invited to participate in the deal a good notary, which is better look for yourself. Notary by the seller may consist of conspiring with him. Collection of documents for the purchase of an apartment you will need a large quantity of documents. That’s a standard checklist: 1. A document certifying your identity – passport. 2.

Certificate confirming ownership. His issue at Companies House. 3. Technical passport of houses, apartments, issued by the bti 4. Help, inform the assessed value of housing (BTI). 5. Extract from Brownie books on all registered residents to buy apartments (for the whole period of residence), including minor children. 5. Help from the tax (Tax Authority), the absence of debts on rent and utilities. 6. Help from the building management or a copy of the personal account. 7. The consent of a spouse seller for sale, notarized, or a certificate that the seller is not married. 8. Permission to deal of the guardianship, if the impact on children under 14 years (orphans and owners of apartments). 9. The consent of parents or guardians for sale housing, if the child is 14 to 18 years. 10. Documents establishing the right to deal: a contract of exchange, sale, gift, certificate of inheritance, etc. 11. Certified Power of Attorney, if the sale is carried out by a third party. 12. Extract obtained from the Unified State Register of Rights to real estate, that the apartment is not arrested and not burdened. 13. If the housing is acquired land, we need a cadastral extract, and the right of land ownership. Indirect Pay Now buyers and sellers avoid the risks at the conclusion of the transaction by an indirect payment. Indeed, much calmer, when a large amount is not in your hands. There are several ways such payment: the use of cash the agency, accreditation and seyfing. What choose – it’s up to you. Any purchase – is the risk. Will it be large or small, depends on many factors. Your task – to explore these factors and minimize the risk of buying an apartment. Remember that to cancel the deal sales can be 10 years from the date of its conclusion. Headache will be less, if you will find all of the nuances. Choose an apartment with a clean history. ” Good luck purchase!

Real Estate Sector

It is true that we are living a few lousy times, if not the worst, for the of the construction sector in Spain. The so-called housing bubble crisis of brick which we suffer, more that is would have been able to announce and prevent, almost nobody bet for her or at least not believed to be of such magnitude. Reality, with security has far exceeded the analyses of specialists. He has been constructed without rhyme or they are, to ultra-Catholic in any population with coastline in any place or corner of our thousands of miles of coastline. But at the moment what matters is to join efforts and ingenuity to break with the current sign. Add to your understanding with Cedar Realty.

And in the real estate sector, as in any other, initiatives and plans that encourage business models can be undertaken and conducive to productivity. Ultimately, it is for example make actual offers of flats or housing, both for their sales or rentals. It is true that the Mediterranean coast is one of the most affected areas. In big cities as in Valencia and in the whole of the Valencian Community, there is a bulky stock of apartments and houses by sell. Then, you need to know well harness new technologies and tools, to build attractive, informative, professional web portals. Portals in the network that will facilitate the intercommunication between the supply and demand for housing. But, make no mistake, the portal or the web is not the solution for real estate sale.

The web should be a great resource to increase contacts, provide a good catalogue of properties (not mere lists of dwellings), offer a significant repertoire of additional services (information: financial, fiscal, technical, local aimed to incite users to contact) and suggestive floors offers and promotions campaigns. It is the right time to bet on innovation and constant renewal. Of course, without leaving aside all this is easy to accomplish with professionalism. Now, more than ever, the real capital of the company are its human resources. The key piece is a real estate professional. Good practitioners are those who know how to interpret the needs, capture the interests and contact buyers or real estate search engines. And the service has to be completely designed and oriented, real estate agency’s website. The creativity that exists after all innovative initiative, contains a large dose of be very attentive to what points and stands out in the market. To do this, especially, contribute today to be present in social networks in a proactive way. Thus it is or should be, that the presence on the network, not only facilitates the promotion and dissemination, also will accelerate procedures and generate links with users, clients and professionals. It is the way to make offers of flats that are real opportunities.

Russian Germany

Secondly, buying real estate in Germany to generate income plus visa. Apartment in Germany brings a good income from rent. To do this you need to buy an apartment in which they live tenants. The owner starts receive rent on your bank account immediately after payment apartment or house. If the apartment is empty, then you need to find tenants. Land in Germany, the Russians can fly without restrictions. knowledge.. The choice of land for construction – individual case and depends on the tastes and preferences of the buyer. Land prices in Germany depend on the size, location, availability of Communication, etc. Sometimes it is possible to buy a very old house with land in Germany is much cheaper than buying a simple plot. Advantages of such a purchase are many: as a rule, such sites are cheaper because the owners for a long time can not sell this old house, land are long-lived-in areas with good infrastructure, there is communication.

Only one drawback: it is necessary to dismantle and remove the old house. However, such areas as soon as they become cheaper very quickly find the buyer. Therefore, such land is better to look for a buyer to order for a particular buyer. Real estate in Germany, people are buying in hopes of a stable and measured life in Germany. Here they can find what’s missing in the former Soviet Union: confidence in the future, peace for the children, economic development, stability, clean air and water, manicured towns and villages. The first and most important, it will take a new place, this real estate and employment. Why real estate prices in Germany are high? If a Russian company wants to sell German property, then it must be registered and accredited in the country where it is assumed conduct real estate transactions. In Russia, these firms are very small. Therefore, the property is sold at such high prices because the firm is only an intermediary between a buyer and a German firm that sells Real estate in Germany. Exit one-buy real estate in the firm, which is located in Germany.

Folkman Factors

The set of these organic disorders Dr. Selye called biological stress. Adds us, that the so-called stressors or stressful factors are triggering situations of the stress and may be any stimulus, external or internal (both physical, chemical, acoustic or somatic as socio-cultural) that, direct or indirectly, leading to destabilization in the dynamic equilibrium of the body (homeostasis).An important part of the effort that has been made to the study and understanding of stress, has focused on identifying and classifying the different triggers of this process. The revision of the main types of stressors that have been used to study stress, provides us with a first approach to the study of its triggering conditions, and shows us the existence of eight broad categories of overstress: situations that force to process information quickly harmful environmental stimuli perceptions of threat alteration of physiological functions (illnesses, addictions, etc.) isolation and confinement blockages in our interest group pressure frustration however It is possible to perform various taxonomies on the triggers of stress using merely descriptive criteria – for example, that proposed Lazarus and Folkman (1984), for whom psychological stress is a particular relationship between the individual and the environment (which is evaluated by the individual as threatening or overwhelming their resources and that jeopardizes their well-being). Hear other arguments on the topic with Nobel Laureate in Economics. In addition, consider that medical practice has been confirmed by years diseases stress product, current life styles are every day more demanding, modern man this leads to significantly increase greatly their tensional loads and produces the appearance of various pathologies factors psychosocial in the work represent the set of perceptions and experiences of the worker. Some are individual in nature, others relate to economic expectations or personal development and other human relations and its emotional aspects. The most common approach for addressing the relationships between occupational psychological environment and the health of workers has been through the concept of stress.

Both in developing countries as in industrialized States the working environment in conjunction with lifestyle cause negative psychological and social factors. The current trends in the promotion of safety and hygiene in the workplace include not only the physical, chemical and biological risks of work environments, but also the multiple and various inherent in the enterprise and how psychosocial factors as they affect the physical and mental well-being of the worker. Other factors external to the workplace but that they are closely related to the concerns of the worker are derived their family circumstances or his private life, of its cultural elements, their nutrition, their transport facilities, housing, health and safety in employment. Diseases by work stress treatment should always be addressed to eradicate it through control factors or causal forces of the same. Criteria general aims to cure the disease in isolation by means of palliative treatment of emotional disturbances or organic lesions repair is extremely simplistic, limited and little rational.

The Agency

A private trader usually takes a commission less than the agency and, thus, creates a serious competition. Often in private real estate brokers are people who have worked long enough on the real estate market in the agency and decided to leave on their own bread. Many of these high-level professionals. You may want to visit The Related Companies to increase your knowledge. Less work with such people is that if you “set up” or “Throw” the agency, then you will be able to resolve the issues through the courts, as your relationship with the agency spelled out on paper (contracts), and from private owners usually agree verbally, and to prove in court your message across much more difficult. We summarize. If you feel the strength you have time and desire, then you can start looking for yourself. In an extreme case, if something does not work, then turn to the realtors never late. If you understand that without the realtors can not do, then Try to find a specialist for advice.

Otherwise it may so happen that most of the work instead hired a realtor you will do, and yes even for their money. Believe me, I came across this quite often. When you register relations, it does not matter whether the agency or private owner, to enter into contracts for services. Prescribe all the details of the parties, as well as the entire scope of work, which must comply with the realtor. If you are denied custody of such contract, referring to the approved standard form, in which everything is very blurry, muddy and unclear, it is best to refuse such an agency. After the execution of works is an act of the work performed and give your quality characteristics. Try to postpone the payment of the contract at the last moment, as well as to prescribe that in case of unsatisfactory work performance, some amount should be returned to you. If you have any questions, write to me at, and I’ll try to answer you and tell how best to proceed. In an extreme case, redirect your mail (required with your consent) to one of its partners.

Housing Construction

In the past, two thousand and eighth year, the housing market in Kurgan survived as an unprecedented rise and rapid fall in the 3 rd quarter, certain economic problems worldwide and in the country. Over the previous few years, real estate Mound has developed quite rapidly. In 2008, were put into operation more than 100 thousand square meters. feet of living space, to implement comprehensive development of empty sites. Mound Builders did not experience any financial difficulties by building new homes using the best technology. Over the past year house prices in Barrow rose 35% to reach 2 million rubles. for the first apartment.

In Barrow, in two thousand and eighth year, the fall took place quite fascinating exhibition "Real Estate Trans-Urals. Questions and Answers. " At this exhibition everyone had a chance to get professional answers to many questions. Similar questions were – How to insure property? Where to get a favorable mortgage loan? And the answers to questions were given to present employees of organizations, developers, real estate agencies, financial institutions and insurance companies. Exhibition at Barrow became already compulsory exhibition. The main actors are the people who create homes and those who sell them – realtors, investors.

The situation on the residential area of Barrow rather unstable. World crisis affected purchasing power of people. Lots of people who were willing to buy a property, now do not spend their life savings on it. Banks Barrow, is now increasing interest rates and try not to give out mortgage loans. Real estate agency is not only a non profit during the crisis, but will cease to exist. In real estate Barrow, to date, there is some instability. Experienced people say this instability will affect prices and will continue for 2 years. Construction of new homes in Barrow virtually stopped, developers have no funds for the completion of ongoing projects. New Barrow, despite difficult financial situation, they are still in demand and prices are not that "sunk". In the past year has been put into operation a 10-storey residential building in the fourth district of the village "Zaozernyi", which was erected in the shortest time – 14 months. At the official opening were the Minister of Regional Development Viktor Basargin, handing the keys to new apartments. Housing prices in Barrow in 2009 decreased by 30%. Such explainable by the fact that states crisis in the economy. Such a forecast given by many experts. Although the real estate market Mound continues its development. At the same time reducing its scale and pace. Still, in Barrow will be built thousands of new apartments, houses and office space. These data are confirmed by the periodical press and data from the mouth of workers real estate agencies. Necessary to take into account the number of people who in the previous year received their own homes.

Heating in Homes

Especially when it comes to their use in the heating system of a private house, where there can be significant changes in temperature or pressure of water, and she is usually fairly well cleaned. Steel radiators most often paneled or tubular. Read more from Stephen M. Ross to gain a more clear picture of the situation. Panels are sheets of steel, shaped and welded together in such a way that formed between them channels through which coolant flows. Such devices heating very well give heat, but are relatively small (about 10-12 years old) life. For heating of private homes for the best heat transfer and reliability for today are steel pipe radiators, which are usually seamless pipe without joints and welds, which provide the necessary configuration (Arbonia, Sira, etc.).

In addition, such heating devices can have the most intricate form, which opens wide scope for the imagination of the designer on the interior (there are even radiators, "disguised" under the bench – for example, Zehnder Bank). Heating of a private house: fixtures heaters Amongst the heaters, need to select valves for manual cut off or control devices to control their heat. Nobel Laureate in Economics wanted to know more. The first option – it is well known to all the ball valve. He has only 2 positions – "open" and "closed", and for him to switch to human presence. This solution not only creates a lot of inconvenience, but also extremely inefficient in terms of heat, and hence fuel, for which you will pay from its pocket. Also, you need to remember the physiological peculiarities of the human body to adapt better to raise the temperature of the environment rather than to reduce it.