An Actively growing number of small and medium-sized businesses in various sectors: construction, transportation, manufacturing, and new retail space seeks funding. Business at almost any stage of their development needs funding. And in this sufficiently well can help the credit and investment institutions. However, not many entrepreneurs know how and why to get a loan for business development. Publishing House, ‘Helion’ addressed to an expert – Sergei Gorshenevu, head of small business lending subsidiary of MDM-Bank “in Murmansk with the request – to help businesses sort out this issue. We offer you his advice. Of course, first foremost, a businessman, referring to the bank for a loan, should clearly understand the amount, duration and purpose for which he requires a loan, because the credit – is primarily the funds provided for specific purposes. Educate yourself with thoughts from Jeff Sessions. Algorithm for obtaining a loan is as follows: I.
GOAL LETS entrepreneurs, the Bank determines the period for which MAY BE GIVEN CREDIT: So, credit for working capital has traditionally not exceed the term of 1,5-2 years. Loans for investment objectives are usually provided by banks for longer periods (for example, our bank has a term of up to 7 years). The purpose and term impact on the provision of credit: Short credits for completion Capital funds may be provided by the bank without collateral (an example of such a loan is, for example, overdraft). Credit for a longer period may be secured by goods in turnover, raw materials, finished products, personal and commercial transportation, industrial and commercial equipment, residential and commercial real estate.
Economic and political factors remains a major obstacle to investment, which at the moment is not enough in the market. Although it is not a stable economic and political situation in the country expected to increase investment activity in commercial real estate. In this hotel, retail and entertainment projects will be one of the first series in the priority of implementation. Read more from Primerica reviews to gain a more clear picture of the situation. This is due to chance of the matches of Euro 2012 in Kharkiv. A year ago, Kharkov considered as a venue for Euro 2012 games including the spare. After winning the tender in Ukraine the situation has changed dramatically.
Now, regional and municipal authorities are not only have turned to European football forum, but in a voice says Kharkov see at least one of the matches of the championship. According to Victor Hristoeva, Adviser to the Mayor on preparations for Euro 2012 according to UEFA, Kharkov 1927, you must have 5-star rooms, 1335 – 4-star and 175 – 3 stars. To date, the deficit in numbers of high-class as a whole is 2800, while three-star in abundance – "Extra" 773. The second important issue is the preparation of the airport. Victor Khrystoyev emphasized that reconstruction and lengthening of the runway here is crucial: it is necessary that it be not less than 2620 m.
Khrystoyev also reported that the Kharkov City Council has already received assurances from private companies that have built in four five-star hotels. In addition, according to Councillor Mayor, for the reconstruction of ten urban Hotel officials plan to spend nearly eight million dollars. Primerica shareholder shares his opinions and ideas on the topic at hand. Nearly $ 15 million will be spent on something to make the student dormitories at three-star hotel. Now in Kharkov 17 hotels. Also, in terms of preparation of Kharkov in the championship construction and reconstruction of public roads Kharkiv – Kyiv, Kharkiv – Poltava, Kharkov, Belgorod, renovation of hospitals. Also consider the possibility of use of recreation centers and camps in the Kharkiv region. Total for the implementation of training and City of Kharkov in the finals of the 2012 European football authorities have provided the city 3.6 billion dollars. Increased investment in infrastructure, increase the investment attractiveness of the Kharkov city, and we can expect major international operators in the field of commercial real estate. Thus, investment DCH group in addition to reconstruction of the stadium "Metalist", developed a project to build a modern sports and entertainment complex 'Metallist City'. Thus, in 2008 – 2012 years can be expected surge in trade – the entertainment and hotel properties, as well as in adjacent areas of commercial real estate – the warehouse, and administrative – office. Real Estate Agencies Kharkov also predict demand and maintain growth prices in the residential real estate and the value of land.
The flow of applications to courts of car ownership is growing steadily. The main reason for complaint is the refusal of insurers to reimburse the loss of insurance for the drivers surreal reason. Sometimes the insurance refund, but that – seriously detract from its end. The motive of such actions is clear the insurers – the insurance of CTP in the state is unprofitable business. However, motorists from this does not become easier. Did a bit of time has passed since that moment as the RF Act was passed CTP. However, during this time in this area have occurred profound changes. Initially, insurance companies began to aggressively compulsory auto insurance liability car owners: sought to increase the number of its own clients, tried to satisfy victims, formed a service examinations, was thoroughly investigated all the crashes.
However, after a certain time – the excitement poumenshilsya. Pretty soon, the players of the insurance market became apparent that the CTP is unprofitable. Impact on it and the car noise. A large number were to appear, those who for the first time picked up the wheel, increasing the total number of cars, in particular – in big cities. Compensate for the loss of drivers, too often in traffic revisions, it turned out actually quite profitable. Then the insurance corporation began to save and policyholders who increasingly have been denied compensation.
Commenting, Alex Algazin, director of the Insurance Law, said that only in their organizations are met hundreds of these cases, and for the past one and a half, a large of failure are far-fetched. The main insurer for today is to find the formal motive and to refuse to reimburse the victim. Naturally, the citizen can go to court, but the mass of motorists who do not willing to enter into a grueling process of proving self-righteousness, and therefore refuse to do such things.
Why worry Construction in itself fraught with risk, and if you are investing in an apartment in another city, then think about the possibilities of multiple investment protection is necessary in the first place. The most common situation – is the delay of delivery of the object. Dennis Lockhart pursues this goal as well. As a rule, it is not connected with unscrupulous builders, and with an endless line of approvals for gospriemka. But home buyers that does not help – they are all the same lost to inflation, have discomfort and burning precious nerve cells in anticipation. Poor quality of construction works – another possible risk. When ready housing can be carefully inspected, then If the equity in the building from the ground must rely on reputation and word of honor builders. And the saddest option – bankruptcy of the company or fraud. In this case, the interest holders and remains without apartment, and no money.
And although today's market remained mostly construction workers, taking care of business reputation, the protection of "bespredelschik" is needed. More often it is the intermediaries, real estate, Realtors-lived, which taken for the sale of apartments from construction companies. Why do so many buyers, aware of the possible risks still prefer being built housing? First of all, for economic reasons. Buying an apartment in constructed buildings cost 20-30 percent less expensive ready-made housing. Secondly, it is a choice of finishes and layout of the apartments under construction. Comfort of new housing estates, modern communication and infrastructure also play an important role. Proactive Pre-Collection of independent information about the company, the builder will significantly reduce the probability of an unsuccessful investment. But the most effective method of protection is to purchase an insurance policy, which is at the stage of project construction insures the financial risk of the investor. Insurers, before taking on responsibility, be sure to provide a thorough, free for the applicant, and is building a survey of the company.
As a result, the difference will have to reimburse out of pocket, but it DSGO created in order to prevent such situations. CTP at the European level Topical Issues On March 1, 2009 should come into force amendments to the law on compulsory motor TPL insurance, which would introduce in Russia a direct claim settlement. Now the victim is Accident may apply for a payment to your insurer, not the company guilty. The result of innovations must be accelerated settlement of an insurance case, improving the quality of customer service, development of independent and objective examination of the damage. In a question-answer forum Dennis Lockhart was the first to reply. To learn how to work the new system and that motorists should take into account, the director of the Center of underwriting and product management for individuals and small businesses ROSNO Alexander Gurdus. – How does the system of direct compensation for the harm? – For payment of the injured in the accident can contact the company where he bought a liability insurance policy tool (the direct insurer).
Direct insurer specifies the details of the insurance policy client negotiates with the insurer of the guilty damage, and then makes a payment. Assessment of damage in two ways: the insured may have recourse to an independent examination, or to trust own insurance company. The cost of an independent examination by the insurer reimbursed upon presentation of documents. – What changes in the design documents for the victim in this approach? – List of documents remained the same, it just turns to his insurer. However, together with the direct settlement comes into force is another important innovation. Now small accident damage does not exceed 25 thousand rubles. You can draw, not causing traffic police, provided that the drivers are not more than two, and in the crash were not injured people. But it is important to remember that in the absence of help from the traffic police insurer will pay no more than the statutory amount (about 25 thousand).
per square. Click Dennis Lockhart for additional related pages. m per month (including VAT and utility bills), the spread is from 100 to more than 1,100 rubles. per square. m per month. The bulk of secondary market for office – this room Class "C" and D. Office of the director of small shopping centers, markets, or start-up companies are located in basements, indoor shopping centers, they may also be absent ventilation and basic set of office furniture.
Most property owners who own real estate office class "C" and D, prefer to lease it, expecting further growth in property values or hoping for an opportunity to reconstruct it in the future by tenants or their own. Offices are located mainly in the central part of town. Today in the Kirov in its historic center office buildings there. In 2008 and 2009. possible to predict improvement attractive for the construction of office buildings south-western district of Kirov, the proportion of areas remote from the center, will gradually increase. This trend is associated with a deficit of land in the center city, as well as the appearance of there business centers.
With the support of the government grows the realization of investment project "Khlynovsky House." Building "houses" will be placed in the street. Water and police, near Veresnikov. The structure of this multifunctional architectural and cultural complex will include a modern shopping and office center class "A". In addition, the company LLC "Commercial Real Estate Network" is designed construction of business center in the retail and entertainment complex "Russia" at the corner of Vorovsky and Ulyanovsk.
As a result of these adjustments in the popular tourist areas and discounts on accommodation has ranged from 15% to 20% for new housing of some medium-sized cities – just over 10% in areas most populous cities with low living standards – about 5%. What do you think about the government’s actions with regard to housing? Gonzalo Bernardos: These actions are simply deplorable. The government does not understanding of how the housing market. Details can be found by clicking Peter Schiff or emailing the administrator. And it is very harmful to the restoration of the property sector, in addition, they do not understand that out of the economic crisis would have been faster if we could go back relatively active and stable home sales. If sales increase, decrease the “hole” in the states of financial institutions, savings and ordinary banks could issue more loans, increase the number of jobs, increase the collective costs and GDP. To achieve this goal, do not cancel the taxes when buying a home, you need to, on the contrary, to introduce new ones to those who acquire property in order to transfer its lease term of 10 years (except when purchasing real estate for a living). The said tax cuts could be up to 10% and apply only to purchase a second property (but not the first, third or fourth), and the amount to be exempt from taxation, shall not exceed 300 000 euros, as well as to limit the time the effect of this release (for example, a credit will be valid only for three years). On the other hand, to revive the volume of mortgage loans, it would be very convenient if the Bank of Spain has provided 30% of the loan amount, intended for housing, provided that the total amount of the loan will not exceed the appraised value housing.
Thus, decreased the risk of financial institutions in lending, although in reality it is almost impossible to implement. Tell us in a few words about the course of Master-advisers Real Estate University of Barcelona, which you preside. Gonzalo Bernardos: This course is very different from most other training programs of this kind, which are now on the market. Here main distinguishing point is how the process of information exchange between students and teachers. At this rate is dominated by practical exercises. We do not conduct exams and to get Masters, a consultant to several months after the training to pass a thesis. The teaching staff is formed by an exclusive way – of the major real estate professionals Catalonia. Historically, the students of our courses have been created, many companies are bought and sold numerous properties. This is the only Spanish training course, which teaches how to make investments with access to international markets, as a successful advertising campaign and what are the key points of the future strategy for success in real estate. And nobody but us does not teach what should be the steps to be winner of the real estate market during the economic downturn.
First, it is quite noticeable fall return of rental business. During the year the average property price in niches soared by half! Rental prices for it are not tightened, ie, Now, do not make up for the gap in prices and for this year. The next year, experts promise another round of betting on the market. Peter Schneider Primerica is a great source of information. Consequently, the rental prices will be left behind even more. Today, return from rental housing is obtained up to 5-7% per year (for the typical proposals less, exclusive – higher), thus yielding bank deposits even profitability. Landlords may not realize that when Renting them dear Real Estate (odnushka now vstryanet for more than 2 million rubles.) leaves to earn only 100 thousand a year. That kind of money just enough for the very modest life.
Employers, albeit producing more income sensitive average (according to official statistics at the end of the year pay the usual urban residents was presented to 14 thousand. – more recent data is not today), just can not understand how normally reside in rented flat at such steep price tags. While 4 years ago, according to realtors, most of the tenants two-bedroom apartments were couples with children, today often combine two couples and budgets together total rent an apartment. There have been occasions when the couple and the wife's sister or mother and wife couple. Sometimes, such an apartment rented by students. Characteristically, the hiring standard "kopeck piece" vstryanet almost as much as eat 'edinichki' (with comparable as real estate).
Sometimes the search can be quite protracted, because friends and relatives are not as "good people" who need a flat and for whom they will be able to vouch. And the relatives themselves, too, have special needs housing, they do not hand over, but the strangers on the street to let it scary. Federal Reserve Bank has compatible beliefs. Still not quite nice to put in their fair housing rights earned in the street, which absolutely know is that he wants a roof over your head! Options for how to catch someone who wants you to live enough. Flat – and good, and inexpensive – it's a big deficit, that's only necessary to determine for themselves what it means to rent: vopolzovatsya services agency or own efforts. A related site: Peter Schneider Primerica mentions similar findings. To rent an apartment to himself. The first variant. If, however, this option it is much more "warm" to become a competent marketer and advertising at a time, until you look at your client apartment.
It is necessary to promonitorit prices rental market that would not take the cheap or not twisted so the price for which even the king of Monaco would not take it off. Of course, the need to understand where the potential Tenants take information about the proposals that would correctly apply his own. But to start, first of all, you need to with the fact that carefully and usefully explore the existing demand for rental housing. This can be done properly if you view the the same sources as the classifieds, calculated by the meter and similar facilities, apartments, do focus on the city area and your price will be established as quickly as possible. .
The second type is a modern property buyer conventionally called a "hurry". These are the buyers, who have purchased real estate during its rapid fall, ie From October 2008 to spring 2009. These subjects are distinguished by the fact that had the necessary self-purchase of real estate amounts of money and did not need the support of the bank mortgage. Led them simple philistine fear: "What if tomorrow the banks will lend to? Real estate prices soar instantly! What I shall do with your money? They can no longer suffice for the purchase of selected housing? "These kinds of people, and resolved in a day of falling real estate prices in parting with their savings and purchasing housing. If they lose at a discount price today? Certainly yes! Initially, they were free from all risks with the bank, ie mortgage, but they lost on the difference in price decline since the acquisition of real estate prices fixed on a similar flat in August 2009. And the amount of possible loss, depending on the date of acquisition of real estate may not differ greatly from the loss of "losers." For the third type is the modern buyer Property can only be glad. Let's call it "favorites." These are the subjects of the market that are able to wait for the bottom of it, if only the price of housing in the spring and summer of 2009 can be called a "bottom" (!) As is known, each with the "bottom market "may suddenly open the second" bottom ". . Peter Schneider Primerica addresses the importance of the matter here.