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You have already picked up space for rent and are going to conclude an appropriate agreement with the landlord? What do I need to pay attention! In preparation for the conclusion of the lease premises should pay particular attention to documentation landlord: View the original and a copy of the certificate of title to the premises, is not clarified whether it is in the mortgage and not be there under arrest. If you rent a room with a view to opening the new company and you need a legal address – please check with your tax office, is not the address of your new office address of the mass registration of companies, if so, there may be some difficulty in obtaining registered address. If you are renting office space or any other destination in the sublease, make sure that there is in the presence of the main lease premises from the landlord himself, which clearly defined terms rental and no restriction or ban on letting premises in the sublease. Carefully read the terms of the contract, make any necessary corrections are important to you. Rental of premises for your business is a major undertaking. Correctly written contract of lease is one of the bases in the foundation of civilized relations between you and the landlord. If you are having difficulty in finding accommodation or preparing the lease, you can always apply to specialized agencies, such as such as llc Rikomp. Employees of this organization specializing in rentals of offices and premises for other purposes for business and always ready to consult their clients on issues such as office rent and lease of premises for other purposes, to prepare a lease agreement or provide consultation on the already prepared documents and contracts.

Why do many people find it difficult to go for a mortgage, one of these reasons is the initial payment, which often ranges from 20 to 30 percent of the cost of purchased your home. Moreover, the higher you'll pay for your the initial payment, the lower will usually be your interest rate on your mortgage. But many of these 20-30% of the cost of housing can not be put right. Where they had to save those who have a salary that does not allow, or delay did not work (money, even if deep in the pillow, still want to get out and spend), or inflation or the immediate problems in life eats. You can certainly search the bank, which will be the initial fee, but then again look at the interest rates and other fees on a fee for related services.

In other cases, however, expect that the bank may give you a long-term loan as a mortgage without this contribution can only be those that have already formed an impeccable credit history many years specifically in the bank – as an indicator to them of your reliability. Again this story was supposed to take shape than loans for buying household tape. You must have been substantial loans. When the same kind of money and his bank has no mercy, and his apartment very well be, there are times when people decide on consumer credit for the amount of this initial contribution. Well, it just really has to be the most extreme option, because of consumer credit rates are significantly higher than the mortgage. And it turns out that we should pay immediately on the two loans – and a double bondage. Taking a mortgage you must currently be clear that this is a very serious step. Indeed, for many years you have quite a significant amount to withdraw from the family budget to cover all payments.

At present, buying a business property abroad has become routine and commonplace, as it was impossible to think, for example, during the Soviet Union. Such investments are profitable and fairly reliable, a fact recognized the enormous number of our compatriots. In the present small article we would like to talk not so much about investments, and more specifically – New real estate in the Czech Republic. Modern, civilized country with ancient history and unique traditions. Czech Republic is quite popular with Russian, many of our fellow citizens often rest on resorts of the country.

In the popular places are often easier to hear the Russian language than Czech. And indeed, the Czech Republic has many grounds popularity: Excellent food, unique identity, historical buildings and architecture, gourmet beer. Necessary to note the unique nature of the country, there amazing at any time of year – excellent choice for leisure and amendment of health, but as demand winter trails for skiers. Now think if you have your own beautiful home in this great country? Firstly, just want to say that Real estate here is not that already cheap compared with other European countries. price trend is noticeable for many years and likely to continue in the future – is reasonably good consolidation national crown and living standards of citizens of this republic. Nevertheless, the Czech Republic: Prices of luxury properties – a justifiable representation of the existing standard of living, but not fabulous prices in post-Soviet countries. Buying a home in the Czech Republic, you ensure the safety of their own sredst.

Czech Republic: the buying and selling real estate in Prague – a profitable and promising for modern people who want to start a business in this country. In this case, a person can get long-term permission to stay in the country, and then have the opportunity to apply and for a permanent residence. It is necessary to highlight the fact that year after year more and more successful people around the world are thinking about buying a home in the Czech Republic, it confirms its potential and the potential benefits. Another important aspect may be a matter of choosing the firm through which you can buy a home in the Czech Republic and execute all necessary permits. Professionals are advised to refer exclusively to the well-known and proven companies that have proven themselves in the market.

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.

For the Moscow housing market is from a few thousand to tens of thousands of apartments, depending on the selected databases and calculation step (weekly, monthly, quarterly). This is the number of equations is multiplied by another number of periods (eg weeks) during which the model is considered. In other words, the formulated problem is quite complicated and almost not be solved exactly. Therefore, its solution requires the use of various approximations. There are two main approaches to the construction of approximations. The first is the construction of approximate dependency Ak (pi) and Bk (pi) for each individual parameter on the basis of statistics for the period. Such as the function decline sales price of the distance to the subway or the value function of the kitchen area, etc.

As a result of knowing these functions and a set of prices Apartments for Ck (t, pi) at a given time can be calculated set of Gk (t), for a given time. Ideally, all Gk (t), calculated in this way must match. In practice, the observed scatter of these values for the different apartments, which is a consequence of the approximation. If the resulting spread is not very large, it serves as an indicator of adequacy of selection functions Ak (pi) and Bk (pi). As a result, the value of the function G (t) – cost index for the current date – we can calculate, for example, by averaging: G (t) = k (t)> where the symbols denote the averaging operation over all flats of the current period.