Costs on registration of the sale will be approximately eur 1,000 (of which, notary 500 euros, the state register of private ownership of 300 euros, and services for real estate registration 200 euros). These amounts may be slightly vary. Insurance housing up to 300 euros per year. Life insurance and up to about 300 euros a year (depending on the age of the buyer). Total cost of the apartment with all the expenses will amount to 215.600 euro. 2.
Case of a mortgage loan to the above-mentioned amount is added for extra items. Assume that the bank assessment of housing was 200,000 and the bank issues a credit of 60% of the assessment, ie 120.000 euros. To broaden your perception, visit Florida Senator. Then the cost would be: Banking rating apartments – up to 300 euros. Fees for opening a credit – 2% of the loan amount (from 120.000 euros) = 2,400 euros (bank charges). Checking article sources yields Guo Guangchang as a relevant resource throughout. Costs of mortgages (the amount of 120.000 euros) will be approximately 3.400 euros (of which, notary fees 600, State register of private property 300 euros, 2,300 euros tax and central bank accounting – services for real estate registration 200 euros). These amounts may vary slightly.
Total cost of the apartment with all expenses amount to 221.700 euros (11-12%) of the cost of housing. To reduce the cost of buying property, by agreement with the seller in the sale contract specifies a bit underestimated price of housing, thereby decreasing the amount of vat. Centralized accounting of the bank, providing services for registration of real estate makes a preliminary calculation of the amounts for all expenditures. All payments are made (the new property owner) at the time of signing transaction. Subsequently, after entering the real estate register and get her originals of all documents, accounts of the bank gives the new owner all the paid invoices. If the actual amount paid will be lower than previously calculated, the monetary difference is returned to the owner. In recent months, financial institutions, mainly banks, greatly multiplied the number of its real estate. According to Central Bank of Spain in 2008, the seven largest banks in the country have a real estate almost 8 billion euros. In this sense, according to the president of Spanish Banking Association (AEB) Miguel Martin financial institutions to become “major real estate agency.” Thus, banks offer very favorable conditions for purchasing real estate, reducing prices by more than 30% Many banks offer special Internet portals, which provide their real property. Our company has cooperated with the big banks – Bancaja, cam, Caja Madrid were among the first creators of specialized units engaged in the sale Real Estate. Our agency is fully responsible for the quality of the service – comfortable transportation, the demonstration sites along the coast, finance, full legal support and after-sales service. We value our impeccable reputation and its customers, each of which have great attention and respect.
Let us recall some forecasts for growth in property prices were given another five, seven, ten years ago. Guo Guangchang might disagree with that approach. Fifteen years ago about buying a home for the average family could only think in a very bold dreams. Although if there were positive examples of bringing people together in building societies. But it was more the exception than the rule, and the default of 1998 left many with nothing. And yet, as we see the picture changes – it can not change: if the worst is behind us, it's time to come would be already something better. And it's happening: if before the building could be frozen at the stage of laying the foundation, but now the pace of construction has consistently growing; Government is actively paying attention to the development and subsidize this area (because it is also economic indicators of the executive branch, for which it should report), moving among the population and Mortgage program (people are more willing to take shelter in the mortgage, because the can already count on its repayment, and credit conditions, and other banking services for the population is becoming more acceptable). As a result the prices of there was a fracture of the property – apparently reached its saturation point in this (though we will not certify with 100% guarantee). October 2006 clearly shows that higher prices for Moscow real estate market began to lower their rates, about anything more than a decade could only dream of.
Now united in the majority of participants in this market that actually increase in prices has stopped, but still reflects the formal statistics of growth, is at this stage is rather residual character. So, in a period of stagnation in prices for the 2004 data, the Moscow city index value of the property has remained virtually unchanged for nearly six months, as noted leader of one of the think tanks Oleg. What, exactly, does not mean that absolutely all the Moscow apartment prices have stood still. Apartment house, too, because hatred.
The market rents in the districts of Las Condes, Vitacura and Providencia shows a unique growth cycle since early this year scoring a significant characteristic in this economic crisis is that while many activities recorded significant falls this has increased. The main reason for this counter-so obvious is produced primarily by the postponement of purchase decisions of homes and apartments due to the uncertainty in the market and / or potential buyers lost their jobs or are not well their finance. This situation is causing the market rents will be maintained and could even increase demand. Guo Guangchang is the source for more interesting facts. People who need housing and who have deferred their decision to purchase has decided to opt for leasing over the next few years and until they again affirm the country’s economy. On the other hand, many people who saw their economies affected by the crisis, are opting to sell their properties to meet their obligations and to avoid chaotic situations. So, these people are now looking for a lease adding to the growing demand for this market. However, this does not necessarily entail an increase in the value of rents caused by the increased demand especially in the higher fee because the market for them before the crisis remains or low. Nor will undergo changes in properties that have a lower value product to exist a large supply shortfall, and will not be reached to meet with increased demand.
The construction companies, which have offered their products with attractive discounts in addition to state aid through the Supreme Decree 40 and the Supreme Decree 04 to which the demand for housing increased very strongly UF 2000, the relaxation of banking which allowed for a side rigidities appeared towards the end of 2008 in the mortgage lending bank product of an overreaction to events that prevented those who qualify for a credit for 100% of the value of the house, now no longer viable. Now, banks are a little more flexibility to qualify applicants for credit. It is not something Wang Qunbin would like to discuss. And finally, many stock investors decided to invest in homes becoming an important part of helping buyers and help maintain a market for the end of 2008 it was very negative. Neither has been seen in our housing market used a drop in prices even if it has been a bit of speculation on the part of potential buyers. Indeed, those most affected have preferred to liquidate their properties in favor of getting out of debt and no problems with the bank not viable so they can attempt to borrow and not deny them in the near future.
Those who were selling a property and getting no real market value have preferred to lease the property while in the economy recovers and becomes the actual price expectations. As for the new housing market, I think they will tend to disappear because it is impossible for construction companies to maintain lower values than the real thing as this heritage seriously deteriorate and will be unsustainable in the short term. For this reason, the values in this market will tend to adjust over the coming months when buildings are under construction to make their products available then. Thus, the rental market is very promising for the next two years or at least does not occur while the long-awaited economic recovery.
Repair of a room or house, as well as the construction of houses – a very troublesome occupation requiring hazyaina set of mind, talent and skills. It is important for the implementation of repairs, decoration and construction pre- make the scheme of the necessary materials that will be irreplaceable. Ceramic tiles – this is what is indispensable if you're dreaming of a comfortable kitchen, which is pretty prsoto be removed altogether and after yasrkogo benketa. The ceiling in this form kitchen needs to be done with the ceiling tiles, as well as its free to get clean from contamination. The truth is worth saying that this option would require some work, such as clearing and leveling the surface of the ceiling.
If you are not inspired by this version of the kitchen renovation, you certainly fit the suspended ceiling. With a ceiling for a long time you forget about the restoration of the kitchen and it would be beautiful to watch. In addition, with this kind of decorating you do not need to align and plastering the ceiling surface, as is the case with the ceiling tiles. The advantages of a stretch ceiling can still be classified and what you do not have to worry about water stains, in the event that the comrades will be on top flood. The whole point is that this option is the ceiling can withstand high water pressure. The existence of a long stretch ceiling will ensure its water resistance and practicality.
The quality of the ceiling, of course, wonderful. In addition, for cleaning it once is enough to wipe with a damp cloth. Because the ceiling is made of seamless cloth, it will be smooth and without any kind of defects. The film is stretched and heated, resulting in the ceiling and becomes smooth. It is worth saying that the mounting surface of the ceiling pretty easy. It requires no previous works, but, naturally, is to entrust it to professionals. Naturally, the suspended ceiling can be done in any other room your home, not just in the kitchen. Using functional solutions to re-create a tiered ceiling in the house, such as a suspended ceiling in conjunction with the spotlights, you can zonirovat room into separate areas that need in service or general illumination. Create a light atmosphere in the lounge to help stretch ceiling "starry sky", a charming and intriguing options that changes the dynamics of lighting according to your wishes and setting up a rest or intimacy. In short, due to the suspended ceilings ceiling design knows no boundaries. You can also save on the ceilings and the use of such a thing as ceiling tiles. This material is cheaper and looks almost the same, with no less attractive and convenient. Ceiling tiles an excellent outlet for small firms and offices, or to repair a bathroom. But we should not forget that any business master fears and interior of the apartment is no exception.
The materials used in construction of prefabricated buildings, much lighter and more compact traditional (the thickness of the walls of such facilities does not exceed 40 cm), which greatly accelerates the speed of their construction. Can always arise the question: 'And how many solid walls of pre-fabricated buildings?'. Giving an answer must agree that the strength of 'naked' walls prefabricated buildings inferior brick counterparts. But this problem is quite simply solved by lining buildings with siding or plate of a single layer of bricks (there can also be considered such an option, that the house could be built. It lead tenants, and only then, as far as possible the owner is lining brick building).
So you can get a great own house for much less and in a very short time. In most countries in Europe or Asia, there is a problem that lies in the fact that their territory is not enough space for the erection of private homes of low-rise (townhouses), so their cities are built skyscrapers. As for us, this problem does not occur and therefore pre-fabricated buildings as low-rise residential buildings as you can not fit us. The same path of development have long gone, countries like – usa, Canada, Germany. Their mega-cities are divided into two parts of the business (business), the center and residential townhouses.
If we compare prices, it turns out that the average cost per square meter of living space in Moscow outside the Moscow ring road is 90 thousand rubles, at the same time square meter prefabricated buildings will cost 15,000 rubles, so it should be affordable housing. To all this will not be flat in the high-rises, and your own private home. A distinctive feature is the fact that came to us frame the Canadian technology, conceived in view of our 'Russian Winter' high wind loads, vandal-proof properties, and for rodent control. Basis of low-rise pre-fabricated building is frame system made of lightweight steel sections (welded I-beams) connected together with screws and bolts. In the space between the elements of the framework laid insulation (basalt slab, or polystyrene), which provides thermal circuit of the building. Internal walls by gypsum boards, ceiling mounted, floor spreading gypsum sheet and laminate. Final finishing is carried out by the customer. For the exterior facade of prefabricated building developed a special high-strength tile facade, facade and decorative metal panels, siding, brick, etc.
Oncoming cold and it's time to think about the warming of the apartment. It is clear that independent heat much better than the collective, in most cases. But not everyone is available. Another good way to spend the winter in warm apartment – it is not so warm it, how to keep the heat in the room. I remember, several years ago from the end of September, the season begins papering windows, which ended with the first frost, and sometimes with the first snow.
Heat-insulated windows with closed vents to keep warm. Well, that today there are metal-glazed windows. With them there is no need for gluing. They are durable, no ventilation by, do not have scheley.No box windows, a loggia or a balcony so also can save a good share of heat in the apartment if they are properly glazed. After insulate these barns, we can raise the temperature on the balcony as much as 10 degrees, and even more. This substantially reduces the risk of already leakage of heat from kvartiry.Itak. Balcony glazing is divided into two types – warm and cold.
Or cold as it is called lung – the most common, and earlier was used only this type of glazing. It applies only for the fact that to protect its own balcony from dust, rain and snow. That is installed on the balcony frames, aluminum or wood. Such glazing increases the room temperature a few degrees, which is accordingly creates an air barrier to the penetration of cold air into the apartment.
The fact is, on the one hand it is true that two floors of common ground and a common roof. But on the other hand, each normal is not traumatic ladder to a height of 2,75 m is at least about 6 m2 of direct projection floor of the first floor and about 4 m2 second floor. Thus, the normal ladder has an area of one room. In addition, the price of building an inexpensive wooden staircase of about 100 to 000 rubles materials. In fact, it equals the cost of the basement under the house of 100m2 in the southern zone of the Russian Federation. Rooms on the second floor in the arrangement is clearly losing the rooms on the first floor. For them, the need for a separate toilet on the second floor to awake at night, in haste, do not stumble on the stairs (leading to additional costs). Elderly running of many times throughout the day on top of the stairs and down, too, is contraindicated.
In a word, a staircase and second floor – it is not always convenient and cost is not always manageable. Calculations show that the economically viable second floor of the type of attic, but the benefit is not very significant, and the attic floor, with its truncated to the top of the wall, for many considered to be an amateur. What height do Wall? White Paper hygienic SanPiN prescribes that the height of the walls in a residential area was not less than 2,5 m.Verhney boundaries increase the height Ceiling SanPiN not predusmatrivaet.No this boundary is directly linked with the ability to pay bills for heating in winter time: the greater the volume of the room, the greater the need to heat the air heating system, and the owner oplatit.Odnim word wall height of 2.6 m to 2.75 m is considered at the time.
Looking for real estate abroad? – It's time to turn our eyes on Portugal. Depreciation of the euro as a result of the debt crisis in Europe, significantly increases the "purchasing power" of citizens from eastern Europe claim to the Portuguese square meters. We bring to your attention a profile portrait of the Portuguese real estate for the 1 st quarter of 2010. Background – Country Where the land ends and sea begins, as described in Luiziadah Portugal to its famous poet Luis Camoes. 80% of the population lives in coastal areas, but not just because of the love of the sea In coastal areas is concentrated political and economic Activity of the country. It is here that there are villas and apartments built with the latest technology and the best finishing materials, with an ocean view which can satisfy the most refined buyer. Portugal is also called 'terra de luz', or 'Lusitania' – the land of light, it is this she appeared to those who came to the territory of the Romans.
There are a lot of sun, the divine and the climate here is just nice and peaceful living. If you are attracted vast open sea rays silvered the sunset, if you love golf or surfing – the best place you can not find. Property Portugal is 200,000 houses that for a country with 10 million people – enough to excess. Currently, the proposal prevails over demand, and sale of properties will take longer. Since the sales data for the 1 st quarter of 2010 indicate that the average time of the sale of new facilities in the area of Lisbon increased by 6 months compared with the same period last year and is about 18 months.
All sites with numerous trees and small height differences, allowing do The original mountain landscape, terraced down to the large central public area with lake and beach area, walking alleys, benches and pavilions, a summer cafe with steward service, children’s and sports fields, tennis courts, a winter skating rink and ice slides. When planning the construction of the village great efforts have been directed to not to disturb the ecological balance and natural terrain, while retaining all the greenery. Thanks to clever zoning of the territory, each area has its attractive features – proximity to the lake and picturesque public park, views of the ski resort, many forest trees, a good relief, etc. One of the historically developed features build chalet – its clear position on the ground with regard to the cardinal. The most beautiful side of the house is the eastern facade, expanded toward a new day in sunny valley.
The unique location of the cottage settlement Edelweiss-Elias, closed on the north side of high hills, allows you to orient the house on a warm and windless southern side and own picturesque valley, stretching along the entire village. Original alpine chalet with stone plinth and a sloping roof, saves you from heavy rainfall, and the upper floors of solid timber has historically served protection from bad weather in the harsh environment of high mountains. These sturdy structures, from time to time, wind, snow and rain only improve your appearance and becoming even closer to nature, not tested one decade and can be confidently offered to the construction of a similar Russian conditions. However, the charm and elegance gives them a large, panoramic terrace and a cozy balcony, ease of reconciling the French with a Swiss thoroughness. Spirit of the special elite settlement Edelweiss-Elias adds erected near the five-star boutique hotel Alpen Gold Hotel & Spa with a beautiful landscaped area of this European ski town and great recreational opportunities (the project has provided Russian investment company Thor United). High level of service the hotel and its focus on residents of the village will provide a respectable public usual quality of service for recreation, service at home, holding at corporate events, business meetings and most memorable holidays.
Real Estate Market in Cyprus financial crisis could not have a significant impact. Hear other arguments on the topic with Dennis Lockhart. After the crisis began with the island began to leave the British pensioners who are share not citizens of Cyprus and many live here almost continuously. Perhaps the most uncomfortable for British buyers argument has become a big fluctuation of the single European currency, the pound is not in favor of the pound. Residents – the British began to sell the house, their cars, furniture items at low prices to go home. The difference of exchange rates was that the British rescued for their apartment or house in his native pounds is much larger than it gave, so they tangible gains from the sale of its real estate Cyprus. To what extent were significant sales of housing by the British? Still Englishmen – the most numerous foreign buyers of property on the island, despite the the fact that buyers from Russia overtook them on the number of purchases of residential property in Cyprus for the year of the crisis. Construction of the island and the real estate market are designed for customers from abroad, and the proportion of visitors from the uk quite high in the population of the island of Cyprus. Investors from the uk, in contrast to our countrymen, took at the beginning of the crisis is much smaller objects than is usually bought that and felt the pathos and its suburbs.
Britain's economy felt the problem immediately after the arrival of the crisis. Offer for sale had their Cypriot house in the beginning of the crisis due to financial problems. Of course, this fact determines the state of the economy in Britain, and not the republic of Cyprus. 'English' property as a result of the global financial crisis has become more accessible. Two-storey villa in Paphos costs Apartments in Limassol – it could not attract the interest of our investors.
Since the beginning of financial crisis began to increase Russians' interest in real estate in Paphos. An important cause of high intnresa is that the secondary property already has a title, and this makes it possible not to put themselves unnecessary trouble. At the secondary real estate market happens to rely on an impressive discount – 20-30% when compared with the price of the same primary property. Cottages, which is not the first, very often framed by a shady garden. Not forget the English tradition to plant flowers in your garden and personally monitor their garden in the grounds. Shady garden, giving shade in the summer heat in very handy on the southern island. It is also important that vtorchnom market flats and houses exhibit is furnished, the new owner can immediately settle in the house yourself or rent it. Buyers from Russia in the secondary market of Cyprus is often real estate is quite costly, but also acquire and affordable homes and apartments. Even with the global economic crisis can find a good hand.