State Registration

This entails an inevitable return to its original position things and the return of all parties to each other resulting in the transaction. In the case of the preliminary agreement of all these problems can be avoided and obtain the desired result without fear for the fate of the future property. Finally, all steps are passed, and the parties need to come to the signing of the contract – the sale. As it is better to do? For most the answer is obvious – you need to go to a notary public. This is correct, but not the only possibility.

After the entry into force July 21, 1997 Federal Law 'On State Registration of Rights to Real Estate and Transactions' in addition to the notary is possible to formalize a deal agreement in writing. A leading source for info: Elie Rieder. Create it can both independently and with the help of a lawyer, referring to any law firm. The contract you provide passport details of seller and buyer, the object-sale (Land), legal documents (certificate of ownership of land and buildings, if any, and cadastral passport), the price for which the land is sold and payment arrangements. This treaty, after signed by the parties to the transaction, shall be a department of the Federal Registration Service of the district in which is sold by the object. Using this type of contract you save money on state fees to be charged notary, and have the opportunity to formalize a deal with less documentation provided. As can be seen from all of the above, there are many opportunities to minimize costs while various land issues.

By raising its own legal literacy and speaking to professionals working in this market you can actually not only save money, but also to avoid the negative aspects associated with the deficiency their own knowledge. It remains to wish all of us not to make mistakes, so it was not necessary in the future as they learn. And do not believe the myths, living in the real world in which information is expensive, and correct information – is priceless. Head of department of land and property relations of the "Regional Project" Dmitriy Ivanov. Our website:

Affordable Housing

DATA on the Eurostat, the cheapest housing in Europe is in Estonia and Bulgaria. Prices here start with Russian money of 100 thousand rubles. In the Estonian provinces, for example, called Pussi, for the same amount to buy an apartment area of 50 square meters. m, although it will require a major overhaul. But buying property in Bulgaria for 100 thousand rubles is quite possible in the area of Rousse – it will house the area of 80-150 square where immediately possible to live. Over 150 thousand rubles in Estonia town of Kohtla-Jarve can find apartments and homes in relatively good condition, and in Bulgaria, near Vratsa and Montana is quite possible to buy an apartment or a house, even the furniture. Russians usually prefer acquires real estate in Bulgaria.

The advantages are obvious. First of all, an excellent climate. It's paradise for asthmatics – healthy air, practically, does not develop the disease. Second, nature. In Bulgaria, there is everything from the sea and ending around the corner. Third, Bulgaria – a country of the European Union. No comments. In 2011, the country should join the Schengen area.

The only disadvantage of buying a house in Bulgaria is that the ownership of land is not directly at issue alien. So we have to create a Bulgarian company and arrange for her land. Philadelphia Condos follows long-standing procedures to achieve this success. In fact, the record Ltd. (similar to the Russian company) fairly fast, easy and cheap. And for the balance of 'zero' firms foreigners are created solely for the purpose of registration on their land ownership rights, there are plenty of accounting firms that for 'pennies' will take time for the owners Ltd. 'zero' balance sheets. In addition, according to EU direktevy January 1, 2014 Bulgaria should adopt a law allowing foreigners to own land in this country. So Bulgaria – this is the best option!

State Construction Committee

Get the latest information on parcels of land sold in auction in readable form – on the map, see the state of sites on the panoramic photos, find information on the Land legislation or ask an experienced specialist, read the latest news of the construction industry, see live video session of the Government of St. Petersburg in a mode online – all this and more can be found at St. Recently Richard LeFrak sought to clarify these questions. Petersburg State University updated site "Manage Investments" – interesting and useful resource investor. St. Petersburg State University "Managing investment" is an authorized institution shall: Organisational, legal and expert support for investment projects. Organizational and technical support functions of the State Construction Committee to prepare the necessary documentation for: – Providing real estate for building and renovating – bidding for the sale of land for construction – for the right to conclude a lease of land on investment conditions for the building; – Selling the right to conclude an investment treaty. Providing public services to the Construction Committee for the Review: – statements to potential investors the choice of land and preliminary location of the object – owners application of agreements on reconstruction and adaptation of buildings, structures for modern use, building land – of applications for property for renovation, adaptation for modern use. On site facilities you can find the forms and sample applications to get information on land legislation, see the regulations of the city and federal law. In the near future will be run application services to provide land or property and to determine the stage of approval of the investment project. Information presented on this site is always relevant and of interest not only to potential investors, but also to all who wish to be aware of trends in the real estate market and changes in land laws of the northern capital.

Housing Projects

Not so long ago people were shocked by the new Ukrainian news – no longer issue loans to purchase real estate. That was a blow to many. And I must say, not only for buyers. But experts promise that gradually enters its course by the autumn and will fall into place. Real estate in Ukraine has always been sufficient demand.

But, unfortunately, the reality is that not all borrowers are willing to do so by the banks. It is not always exactly the person calculates its potential and eventually to repay the loan for some extremely hard. And what they say now if the problem is most home mortgages, is in fact a problem of no return. Large losses can not affect the policy banks. Robert Shiller: the source for more info. According to forecasts by the spring volume of such loans will rise very much. In addition, many believe that is inevitable collapse of prices.

But it said out loud, this collapse properly be called the correction which would not be exceed 15%. It is possible that the apartment a little cheaper this year, but only mortgages 'will stand on their feet' and it will fall in price, the price per square meter will start to grow again. Real Estate Agency of Ukraine a decline in demand, though not as he fell to lower prices by 40%. You may want to visit Robert Speyer to increase your knowledge. And then it is worth considering that everything is more expensive. It touched, of course, and building materials. And, undoubtedly, the salary increase was the builders. And it says in the first and foremost that it is impossible to link this increase with a decrease in property prices. It follows from this – this situation is temporary panic early. But in the current situation in order to stay afloat construction companies have cut prices to attract customers and their funds. And it will unleash a new wave of demand. If, however, specifically address the Kiev real estate, the numbers following – investment growth dropped to eight. It should also be noted that the developers have stare at sites outside the city, apparently, the capital market is oversaturated. Let's hope that the new year will bring changes for the better.

Housing Mortgage Lending

Mortgage bank Uralsib now actively advertised on television and in pechanoy press consists of four main proposals – a mortgage on the finished housing, credit for housing under construction, the credit for the improvement of housing conditions, as well as a federal program jointly with the Agency for Housing Mortgage Lending. Terms of the mortgage bank Uralsib Uralsib not practice a mortgage with no down payment, so the maximum amount of credit in most cases can not exceed 90% of the cost of housing. Uralsib may issue a credit to 100% of property value only if you already have an apartment or house that can provide as collateral – this applies to credit to improve their living conditions. Mortgage Uralsiba provides maximum loan term – up to 30 years. The interest rate varies from 10.8% to 14% in rubles and from 9.5% to 12% in U.S. dollars or euros.

When considering an application for a mortgage loan Uralsib bank does not charge a commission. Mortgage Uralsib: Costs So when you make a mortgage loan at the bank Uralsib you wait for the following: the Commission for opening the loan account (other than the program with HMLA): 1% of the loan, minimum amount of commissions 3,000 rubles. or 100 U.S. dollars / euro, the maximum fee amount is 20,000 rubles. or 700 U.S. dollars / euros loan fees to the state registration of ownership of purchased housing: 5000 rub. or 200 USD / EUR fee for opening an account on the program AHML: 1.50% of the loan amount and the Commission for cashing money if the settlement of the purchase and sale of apartments will be made through a bank vault; Rent deposit box, if the calculations for the transaction of purchase and sale of apartments will be made through a bank vault, opening letters of credit, if the calculations for the purchase and sale of apartments will be made with using credit.

Buying Property Abroad

Features of the acquisition of property abroad Source: Everyone at least once in life, wondering – how to save money accumulated depreciation of that purchase and what to invest money? And here comes a lot of us thought – what if invest in real estate? We all know the phrase – the money must work! If before Russian citizens (out of ignorance specific foreign market) acquired real estate only in their country, but now more and more of our compatriots to invest in property abroad. To date, such investment funds is not only reliable but also very profitable enterprise. Grown in recent years the material welfare of Russians can buy land and property abroad, even ordinary the average citizen. Particularly active Russians acquire real estate on the Mediterranean coast. It's no secret that prices for apartments in Moscow are high. For example, the average price of regular 1-room apartment, which requires a fairly serious repairs in the area of art. Metro 'Novoslobodskaya' averages hundred and seventy thousand euro. For this price you can buy a beautiful villa with garage and swimming pool on the beach Bulgaria in the resort of Varna.

In all, over fifty five thousand U.S. dollars to acquire an excellent villa with two bedrooms and two bathrooms in Egypt in the resort town of Hurghada. Acquisition of real estate in Europe was very popular, especially in recent years. If we turn to official statistics, this picture is very well seen. Since 2004, demand for European real estate acquisition increased by 4.5 times. A percentage of Russian citizens increased to five. The most active Russian citizens to buy property in Bulgaria, Spain, and Montenegro.

Acquisition of real estate in Europe has its own distinct advantages. However, there are several difficulties that arise from our countrymen when buying overseas property. Try to examine in more detail, both advantages and problems. Thus, the main problems: 1. Lack of knowledge of the mentality country. 2. Poor knowledge, or ignorance of foreign languages. 3. Legal, economic ignorance. 4. Distance. 5. The visa regime. All these problems are solved elementarily. Benefits you receive when purchasing real estate in Europe, do not go to any comparison with these small inconveniences. Here are just a few of them: 1. Low prices. 2. Preservation and increase (in event of a sale, lease) investment. 3. The wonderful climate, fabulous leisure facilities and accommodation. Source:

Real Estate

"Buying a house or apartment in Turkey you must pay tax on the purchase – says Christina Tuzova, company EstateService – which amounts to 3% of the appraised value of your chosen property in Turkey. In addition, remember cost of registration – which is about 500 euros (notary, translator. Filing, etc. "In addition, about $ 230 worth obtaining residence permit is required to purchase a house or apartment in Turkey. But in addition to taxes, payable when buying property in Turkey, it is necessary to mention the content of the villas or homes in Turkey after the purchase.

Annual property tax is 0.3% of the appraised value of the property (house, villa, apartment – there is no difference in taxes). Ie buying an apartment, the official estimate of 50 000 Euros in Turkey, you will need to annually pay a tax of 150 euros. In addition to paying taxes and utility costs, the amount varies Depending on the complex in which you are buying property in Turkey and on – this apartment or house. The average figure the cost of utilities is only 500 – 600 Euro per year.

Mortgage Insurance

Social mortgage Moscow – one of the few initiatives in the Russian Federation, which can bring real benefits to the population. It is understandable, Moscow has long been one of European cities, therefore, and approach should be appropriate. In Russia the situation is different – much growth in housing under construction in most areas is not planned, as a result of problems with housing are maturing more and more. Despite the fact that mortgage agencies exist in any city of Russia, and the level of service to them is high enough, you should pay attention to the contract, which with them is, as well as some consumer rights to know and even mortgage legislation. Or at least consult with a knowledgeable lawyer. During a recent trial in the Amur region revealed a huge amount of problems that nobody had even thought to cover. Now the mortgage system in Russia could easily stand up to the threat of a new crisis, accompanied by a rise in mortgage rates and the introduction of new toughen rules for borrowers. After all, practice shows that banks can not tolerate the risk, if they can be avoided in some way.

Profiting from the Real Estate Market

One of the main advantages of the exchange is that it allows you to fix problems in its investment portfolio. For example, I once gave a loan to purchase a residential house and land in an area of four acres. But the borrower is bankrupt, and I had to start the procedure to withdraw any property for debts. It turned out that it hangs another debt. I bought it from a lender, received ownership of the property, and only then discovered that the house is in very poor condition. If I was going to sell it at a profit, it required large repair costs. Thus, in my arms was "sour lemon".

Before proceeding to repair to One of the meetings ekscheyndzherov I suggested that house with the land exchange in the state in which he was appointed to the price of $ 225 thousand dollars. It is unlikely that I would get that kind of money simply putting the house up for sale, even after repair. One of the attendees came up to me and said that this property may be interested in his daughter and son in law. As a partial exchange he offered me two plots of land. The first site was located in a very picturesque area fifty miles north of my house.

On it there was a building permit, but the problem was that it was located on a steep slope and down the road to defeat the only mountain sheep. To learn the site was required for a set of complex engineering works. I already had experience of this building, and the terrain I was not too worried, but the seller has serious concerns. I'm much more nervous about their property, which still hung redeemed me a loan of 150 thousand dollars. But the customer is quite happy circumstance, because his daughter and his family were going to use the house for personal residence. The second proposed site was originally intended to build a house for two families and was located not far from me, but it had some technical difficulties, and authorization construction stalled. Therefore, until all the circumstances of this area had only a very minor commercial value. I thought that this problem can be solved over time by holding it some of which can convince city officials that the border area, a supply of communications and drainage system meet local standards. Thus, and this site made me less concern than my own real estate. We have agreed to exchange. My partner gave me for the exchange of two plots of land worth 75 thousand dollars, and his son took over the loan of $ 150 thousand, which is in line with the amount claimed by me real estate value of $ 225,000. Thus, the operation was to exchange sugar, which turned sour lemon in my sweet lemonade. Shortly thereafter, I was approached by a young couple who needed a land for construction of houses for two families. My husband worked in the urban planning department and was able to obtain all necessary permits. As a result, his wife bought me this site for 50 thousand dollars. In the meantime, I were sold and the second section of 70 000. As a result, the exchange transaction has allowed me to get 120 thousand dollars, while sales running at home is unlikely to be brought more than 75 thousand. That's lemons into lemonade turn!

Brand New Housing

Now when buying real estate should be reserved as a patient, and some of my knowledge. There is a lot of nuances that are like invisible at first sight seem insignificant. But then in the course of acquisition buyers are reaping the benefits of such ignorance and inattention. This is especially true of registration papers. Sometimes it seems that after signing the papers becomes your apartment – and no problems. But in reality, it is important to know under what You subscribe.

After all cases, when the apartment is sold to many customers at once – quite common. So many people believe that it apply to real estate in Moscow, although the agency itself is be tested. Suppose you have made the right choice with a good reputation. Coming to a meeting with an agent, you should clearly realize what kind of accommodation you need. Let's say you decide to buy apartment. Speaking candidly Richard LeFrak told us the story. In this case, there are two options – a secondary market for housing or new. What's the difference? The relative cheapness of new building – well-known fact.

But it must take into account certain peculiarities. Think about it, if the cost less, then have to sacrifice something. And in this case, your sacrifice will be as follows: time, place, choice. Let's start with the time – to invest in such an apartment is less cost to sign a contract at the stage of laying foundation. Under this option, the lowest price (as well as the erection of a building cost of apartments will grow steadily). As for the place, then perhaps you might have guessed that in the city center you will not find a new building. Most likely, your future apartment will be located in any new area with poorly developed infrastructure. However, there are places and quite comfortable. And the last negative – almost nothing from which to choose. It is not necessary rely on a variety of proposals. As a general rule, municipal buildings, constructed in the same time a little, so the proposals, accordingly, not so much. But on the secondary housing market situation is radically different. In this If buying an apartment without any problems, just have to shell out far more than a new building, but there are obvious advantages – the minimum time and a great choice. Perhaps the single but significant (and above) minus such housing – the price of its much higher than for housing in new buildings. Choosing the best option for you is yours.

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