One of the government programs in Moscow aims to improve housing waiting list by providing subsidies from the budget for the construction or purchase of dwellings. And, as a general rule, the cherished Certificate for the subsidy, faced with the realization of this right. Where to go, who will help the whole period of some six months? Find real estate agency, which will help in realizing the right to grant, would be easier if look at the list, which provides the Agency to implement the housing loans and grants. Rung in by the agency, we can significantly shorten the way to the cherished goal – his apartment in Moscow or Suburbs. If you need to know the legal aspects of this problem, if you want to get an extra mortgage, if you want to get out of the room in a communal apartment in a separate flat if in addition to subsidies nothing, if you can afford to buy an apartment less than the specified area, if you do not want to lose Moscow's "residence", if there is no desire to go to a new building in the suburbs, which tend to offer to implement subsidies – take to help real estate agency. An alternative to a real estate agency will only patience, luck and the availability of free time..
If you can pay, can take an additional consumer credit and use it as a down payment. If owned by the borrower already has a property, you can choose a program with a delay of payment of initial contribution: there are programs that allow to buy a new home without paying a down payment, and within 6 months to sell existing apartment / room. Although, if you have owned property, the bank may issue a mortgage for a new apartment on the security available in ownership of housing with a minimum initial payment. Misconception 3. If the bank gives the borrower to permit a certain amount, then the client will receive exactly it, even if the price of the apartment will be less than this amount if the bank has borrower authorization for a loan, say, 3 million rubles.
The borrower expects it to this amount. However, the bank stipulates that a credit will not exceed 80% (or 70% – depending on the bank) of the purchase price. Then Thus, if the borrower has found an apartment worth 3 million rubles. The bank will give him no promise of 3 million rubles. and only 2,4 mln.
(80% of the purchase price). It must be remembered that the bank specifies the maximum amount, but the chosen mortgage program puts this amount limitations. Misconception 4. Getting credit is worthless When making a mortgage and registration of the acquired property, the borrower must be ready for significant lump sum payments, some of which are the bank, others – valuation and insurance companies, as well as real estate agencies.
In modern conditions the consumer is becoming more discriminating in matters of service. More and more people prefer supermarkets. They are willing to overpay, receiving for their money a comprehensive range of products and quality service. Despite the reasonable prices in small stores, shoppers tend to supermarkets. Real estate services in the real estate agencies are rather expensive, compared to the services of private intermediaries, working in the real estate market itself. In order for clients to see what he pays for money, quality services must be consistent with its high cost. In the process of providing real estate services task specialists Real Estate to find individual approach to each client, to take into account his personal requirements and capabilities to fulfill all obligations to him, to recommend the best and most profitable for him variant solutions mission, which he puts before them. Providing real estate services begins with the first call the client in a real estate agency.
An employee receives a call, creates the first impression a client of the company. The first sentence should sound greeting, company name and the name of the person who took the call. This initial information that customers need to continue the dialogue. To form a favorable impression on the customer companies need to develop standards for the reception and testing of incoming calls. Admit to working out proposals and advice customers need only experienced realtors who are able to do it professionally in accordance with the standards. Studies show that out of five customers who called the agency, three to go for services and assistance to the firm, which talked on the phone politely and correctly, and if the resulting information satisfy them! The following criterion for a client when assessing a company's office visit.