1. Careless When buying an apartment make sure its legal purity. If after two or three years, a happy "living loan" from the apartment to light "rightful owners" – it will not bring you joy. With banks in this If you pay off for an insurer, but the search for an apartment have to start from scratch, but the money invested will not return. 2. FALSE Do not lukavte interviews at the credit committee – you still will be on clean water. Members the credit committee are experienced and fully aware – that how much in real life. If you would like to know more about Stephen M. Ross, then click here. Do not forget that the restrictions on the share of income allocated to repayment of the loan established banks, often justified.
Payments overstated by the amount of credit you can inflict a severe blow to family budgets. 3. Complacency is your confidence that the "warm" relationship with his superiors and family happiness will last forever, can not be justified. If your spouse acts as a co-borrower, prior to making a mortgage loan Apply for a marriage contract, negotiate on shore "- the section of property which is subject to mortgage, rather troublesome procedure. Worth think about how quickly you can find a new job with an acceptable to repay the loan income. Speaking candidly Stephen M. Ross told us the story.
Nor should we hope that you will quickly find an apartment that you are completely satisfied with. Options offered on the mortgage, usually worse than an apartment for real money. Good apartments realtors prefer to sell directly, without engaging in mortgage trouble.
Once a year every American has the right to report on their credit history (Credit Report). This right is guaranteed by the state. Expert on growth strategy is actively involved in the matter. Report on the credit history is formed on the basis of three major national offices credit history: Equifax, Trans Union, and Experian. However, at any time, you can seek help from the companies that provide not only an exhaustive report on the customer's credit history, but also provide recommendations for improving its credit rating (Credit Score). There are three types of reports on credit history.
The first type of report – a report obtained on the basis of data from all three credit bureaus, but without calculating the credit rating. Information about the borrower's credit history in each Bureau may vary. Therefore, you want to merge the data into one report, called "fusion of three (tri-merge or 3-1 Credit Report). The second type of report on the borrower's credit history – a record 3-1 with the calculation of credit rating (Credit Score), which provided one of the agencies. It is certainly more detailed information for lenders and banks, as the decision on the loan taken as a whole based on the performance of credit rating (Credit Score) The third option credit report – a report + credit rating from all three credit bureaus.
Banks and finance companies, providing mortgage loans, as a rule, they ask this type of report and a decision calculate the average Credit Score based on data from all three national credit bureaus. When applying for credit cards, auto loans, mortgage loans, (except any credit PayDay Loan) financial companies, banks and other lenders request a credit report of a potential borrower (Credit Report) and check its credit rating (Credit Score). This is done to determine the riskiness of the transaction for the lender. Credit rating (Credit Score) is determined by information about the borrower that is stored in the credit bureau. This is information about paying bills, and paid out of existing loans, payment history on loans, credit cards, etc., even to pay the phone bill. Each month information and credit rating can vary based on the payments made and total debt to creditors. Control and continuous improvement of credit rating will get cheaper and more profitable loans, and means to acquire even the best properties and best cars. Working with a company that provides services to monitor changes in credit history, as well as advice on improving credit rating, you are in a better position to obtain the necessary credits to you.
Fixed capital by types of assets divided by the building and construction, machinery, equipment, vehicles and equipment and others. According to this classification are distinguished and the kinds of investments in fixed assets. Investment in buildings and facilities is the cost of construction of these facilities. Costs consist not only of payments for construction work, they also include other capital expenditures, for example, costs for the facility to operate, that is, the organization of communication within the facility, and others. Investment in accommodation costs are for construction of buildings for permanent human habitation.
Such buildings part of the housing stock. These include not only the apartments, as well as various facilities for children, nursing homes, boarding houses, dormitories and so forth. Also, investment may be made in those dwellings that do not part of the housing stock. Investments in machinery, equipment and tools, vehicles – the cost to purchase the above-mentioned objects, their assembly and installation, commissioning, testing reliability. In addition, investment in fixed assets include cash, invested directly in the production itself. Investments in production can be classified according to their investment objectives. There are investments that are going to replace worn out equipment or to upgrade an existing but significantly outdated. By volume of such investments can be compared with depreciation and amortization.
They retain The amount of capital, but not reduce it. Another type of investment is invested in production for its development, improve the scientific and technical level. They can be extensive and intensive, depending on the orientation. AND the last kind of monetary investments made in stocks, for example, raw materials, supplied products and more. In addition, investment in fixed assets can be classified according to their orientation. Distinguish investment invested in new construction and investment, aimed at organizing the reconstruction and modernization of existing facilities. Another characteristic that can be classified as investments in fixed assets, is their funding sources. So as a source may make their own or borrowed funds.