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Recently, there were many willing to buy property in Bulgaria with the help of a loan. Citizens of Russia can obtain credit to purchase almost all of the Bulgarian bank. The following features in obtaining credit Russian citizens: * The size of the loan depends on the policy of the bank - usually Bulgarian banks to release loans for the purchase of housing up to 200 000 * Interest on the loan is moving in the range of 6.25% to 9.9% * Maksilany percent financing for the purchase - 65% -80% * Terms of loan repayment different - the maximum term of repayment from 15 to 30 years * The provision of credit - mortgages * Repayment of the loan - a deposit of $ 12 contributions per year. In a deposit on and interest on the principal amount After selecting a bank customer must obtain prior approval, as a potential customer's bank. After that, the buyer of real estate, must collect and submit all necessary documents in the original. Thus, the client proves its creditworthiness. After leaving the bank considers the documents and within 2-3 days of the filing gives a preliminary response. Every Bulgarian bank gives its own set of documents. It is important to note that banks usually require that the documents were provided in the Bulgarian language. The documents, which the customer must provide a loan to buy real estate in Bulgaria: * Form-application, which is issued in the bank * A copy of passport of the person receiving the loan kandidatstvuyuschego * Credit report - digital value based on the analysis of the credit report, which is used by lenders to predict the possibility of repayment kreditotrebovatelya * The tax declaration over the past year * Bank references - information obtained as a result of requests sent to the bank for a loan kandidatstvuyuschego regarding the financial condition of kreditotrebovatelya * Receipt of wages - back on salaries, wages proves that kreditotrebovatel received and how much was paid for taxes and insurance * Power of Attorney - a document that represents a person who will represent kreditotrebovatelya * A certificate of marriage if there is / * Help with job credit, signed dozhnostnym person and certified in accounting Documents on the property: * The preliminary agreement on the purchase - a document that is a contract for the sale of real estate * The document on the property, which states a person is the owner of real estate * Document on "real gravity" - issued in the Agency on incomes in Bulgaria * The tax value of real estate - issued in the Tax Service of Bulgaria * The market price of real estate - real estate expert, issued on the recommendations of the Bank Some Bulgarian banks require foreign kreditotrebovateley provide phone contact in case of problems during the processing of documents. Also, some banks require that a guarantor who will be responsible for loan repayment on the loan at the bank.
We change the real estate in the city of Tula to the countryside housing without undue problems Bad ecology of Tula - the main reason to change a flat close to a spacious cottage in the Tula region. In Zaokskom an area of 98 km. from the capital is located cottage village Region. Asphalted roads, communication, protection of the territory, splendid landscape design - not all the charm of the cottage in the Tula region in the area. To buy one of 219 houses, located on 43 hectares of land will need about 3 million rubles. Remote cottages - present a proposal on the real estate market. Moscow residents only recently begun to absorb the neighboring areas in search of the "long holiday". At the border of the Moscow and Tula regions are cottage village "Nikolskoye farmstead. Buy a summer cottage in the Tula region - the perfect solution to forget at the time of city life and settle down comfortably in nature in a comfortable house. In the Tula region more environmentally friendly Zaoksky, Aleksin, Suvorovsky areas. Another solution of housing for the residents of the city of Tula - is to buy a cottage in Tula. This option is decided by the chief, and for some, and the only disadvantage of country houses - accessibility. Have a cottage in Tula - this is the best solution for those who do not want to change the city's bustle, but the dreams of their own homes without the annoying and noisy neighbors. If you decide to buy a suburban area in the Tula region, the best option would be to refer to the expert. Selling houses in the Tula region, as well as the sale of land in the Tula involved a significant number of real estate agencies. In order not to lose, and select a specialist there are a few helpful hints. First and foremost, is to apply to those professionals who advise your friends and acquaintances if they have successfully concluded a deal. Real estate companies to choose the best of its location. Typically, the most informed experts on the situation on the market in their area. And be sure - should trust only those agencies, a position which is firmly enshrined in the market of real estate services for several years.
Why Spain is a leader in the acquisition of real estate among our compatriots? There is no doubt that Western Europe better than Ukraine. That is why many of our countrymen from year to year, one way or another, seek to get there. Here arises the main question: how is not wrong with the choice of countries, because Europe so varied! Today it comes to solar Spain - not only the leader of sales of real estate and immigration, but also a country that is close to us mentality, where we really love and waiting. We shall give the floor to our guest, a man who knows firsthand about the Spanish, the head of a leading company in the field of real estate in Spain, the partner network «Gulfstream», Yuri Konstantinovskomu ... - Yuri, we generally have a picture of the pan features mentality, economy, social development, environment, etc., but there are original features, which will provide every country of the European community. Why, from your point of view, namely, Spain has become a favorite object of attention Ukrainians? - There are three main factors, which Spain is an attractive country for immigrants from Ukraine. First - this is a wonderful climate: a warm, steady, but divided into different geographical areas. There are high mountains with snegovymi caps and tender sea, on the southern shores by the year there is a hot summer. This really nemalovazhen housing for buyers in Spain: our climate baluet warm and not too often. And in Spain, 250-350 sunny days a year! At sea, you can go diving or simply relax on the fine golden beaches. And you can go to the mountains and to ski - all these charms next 365 days a year. The second attractive factor - is that consumer prices in Spain are not only affordable for the residents of the EU, but also to our fellow citizens. Fruits and vegetables in Spain is cheaper than in Ukraine, at least twice. For household appliances and cars again, prices are lower than ours. But the most important in this case: housing prices are much lower and often correspond to the Pan-priced housing in Kharkiv, and sometimes even lower. Of course, the big and expensive cities in the value of residential real estate above Kharkov, but Spaniards are far from Kiev. Is that in Madrid. While the recent trend is scheduled to cost, real estate, and experts predicted prices would rise in the future. But despite this, Ireland still remains a relatively cheap country. And if we add the sustainability of economic growth and legal support from the state, it becomes evident that this country is the most attractive for investment. The cost of real estate in Spain for the past ten years has increased at least threefold, and analysts predict the momentum of growth in the coming years. This country is very positive in economic terms: Spain - the only country in Europe, the economy is already 30 years in a row steadily going up without a recession. A slight slowdown in growth, such as now, is a short-term in nature and did not seriously affect the long-forecast. If even half a century ago that the state belonged to the category of poor European countries, it is already in 3-5 years, according to forecasts of economists, Spain catch rich western European nations such as France, Germany, Great Britain. And finally, the third. In Spain, unlike most European countries, is indeed very much like people from the former Soviet Union. There are two reasons. The first - our people are putting all their assets in banks in Spain and Spanish business. The second reason - history - the Spanish have not forgotten that in 1936-1939 he worked as a civil war. The Soviet Union has helped them civilians, their children, who saved the public, taking in the Soviet Union, where they grow, fed and loved. These children, later returned home, told his parents, children, grandchildren of the excellent relations of the Soviet people to them. Since that time, and started some sympathy to the Spanish people from former Soviet countries. In doing so, the Spaniards on their nature very friendly and hospitable (which, in general, tend to and Ukrainians - approx. Auth.), But if you do and say a few words in Spanish, it surely will become the object of obozhaniya. By the way, Spanish is easy and everyone who comes to live in Spain, very quickly learn it. - And how difficult it is to adapt the Ukrainians in Spain, far from home? After all, nostalgia, to varying degrees, typical of each. - In Spain, many Ukrainian shops of goods, the Russian and I do not say. In doing so, the Russian language in recent times is spread across the country, so you can find around a person who can help in terms of language, or simply to talk to you. - We found out why it is advantageous to buy real estate in Spain. The question is where, because Spain is a very large? - Yes, indeed, the country of the area took second place in Europe after France. 505 thousand square meters. km, 44 million people - that is, and the size and population of Spain is close to Ukraine. Regions vary in their characteristics. Spain has 18 kommunidadov (in our understanding - of the country), which are, in turn, to the provinces - a total of 57. There are different levels of living areas. The most popular such areas: the province of Alicante (Costa Blanca coast), Murcia, Valencia, Barcelona and the province of Girona (Costa Brava coast), in the province of Tarragona (Costa Dorada Coast), the province of Malaga (Costa del Sol coast), the Balearic Islands and the Canary Islands. When choosing your future housing needs to take into account the climate, the richness of nature, the investment attractiveness, prices and other factors. - Each country has its own architectural style, their preferences for the building, their traditions. How to build and where to live in Spain? - Of course, in Spain, has its own architectural style, which at the same time can vary quite greatly, depending on the region. The houses here are constructed of reinforced concrete frame in the piles, and then all the brick walls - a structure is seysmoustoychivym, because it is known that in Spain there are some minor earthquakes. On top of a house sheltering tiled roofs, often on the roofs do solarium and swimming pools. Constructed here, as in Ukraine, apartment houses, flats which are called «suites». Their main characteristic is the number of bedrooms, because the apartments have to be another room, one or more bathrooms, a kitchen and a terrace. Depending on the characteristics that made such apartments: studio - one room, with bedrooms, on our way, this studio apartment, a single - this is a two-room apartment, etc. Because the studio is not building, they can only buy in the secondary market as well, ranging from single, apartments sold as a second-hand, and the new. But if those same apartments are located in low-house, which is in a similar group with a total protected area, swimming pools, playgrounds, this housing is called «bungalow». Bungalow stands at 10-20 per cent more expensive than similar apartments, because the lower floor has always had its own plot of land, and the ceiling, respectively, their own sun deck. If you combine the first and second floors, it will be called «duplex». If a house is divided into several families, in front of us - «chalet adosado», or, as they are called in our, «Building a house». This, of course, a higher level of housing. These homes have a plot of land, swimming pools, playgrounds, recreational areas, parking, etc. Chalet adosado stands at 40-50 per cent more expensive than conventional apartments. - Yuri, and that Spain is considered an elite and expensive housing? - Most of the time - a separate house. Sites may be different in size - depending on this will vary and prices. If the plot to 5 hundred and shelter more than 150 square meters, it is called «house», as if the house is outside the framework, then it is «villa». Prices for homes start from 250 thousand euros, while the houses of 500 thousand euros, and almost indefinitely. Villa involves an individual swimming pool, garden, garage for several cars, etc. - There is no limit to perfection villas. - Tell me, which determines the cost of housing in Spain? - Prices for residential real estate depends on several parameters. First and foremost - the size of the real estate planning. The second - the location: the proximity to the sea, climate, transportation, infrastructure, light side, which went the window. Also at the age affect the value of homes and floor: the higher the prices. - Very often, the Ukrainians are interested in commercial real estate in Spain? What is the market and what its characteristics? - In the Spanish market of commercial real estate, there are many suggestions and options that can be broken down into several types. Locale - it is empty industrial premises, where you can organize any business. Locales may be in commercial buildings, where such facilities are many and sometimes can be on the first floor of a residential building or in a separate house built. There are ready to offers: shops, laundries, restaurants, offices, that is organized by the business. Most are sold so-called traspaso, that is finished with business premises, a room for rent to you for rent, and are usually given an opportunity to further redemption. Prices for commercial real estate largely depend on the size and, of course, the proximity to the city center: the closer, the more expensive. - Of course, not everyone can pay the full cost of housing immediately. As in Spain, the case with credit? It is advantageous mortgage granted to foreign nationals? - Loans to give the citizens of Ukraine easily. The amount by which you can claim - up to 60%, in some cases - up to 70% of the appraised value of real estate under 6-6,5%. Loans provide up to 25-30 years with the right of early repayment. Prerequisite for an apartment insurance, and many banks and life insurance borrower. In order for you to «okreditovali», you need to provide a number of documents: a certificate of income (in Russian or Ukrainian), a declaration from the tax identification code, confirm that in Ukraine there is a housing estate, securities and other e. So in real estate loans are more often than not, when want to buy something big and money is simply not enough, a person does not want to take out money from the turnover of the business. Sometimes the buyer is not willing to show their income to law enforcement agencies. But in any case, the loan in Spain, as we have seen, much less ours. Therefore, if the judge sensibly, the purchase of real estate loans in Spain cheaper and safer than in Ukraine. If your goal - investment, the choice is more than evident. - How much time can be a buyer of Spanish real estate in this country? - Every owner in Spain and his family are entitled to one year of Schengen multivizu, which can be in any of the countries of the Schengen zone to 180 days a year in any split, but not more than 90 consecutive days. And what is noteworthy that the visa of the Schengen countries only gives Spain. These visas in order uncontested annually renewed until the person has property in that country. Sometimes there are even such kazusy: a person buys a villa in Nice, but often can not go there - do not give a visa. Then he gets himself some simple studio in Spain to get the Schengen multivizu. - What are the costs of the residential real estate waiting for its new owners? - Real estate tax, which in each province and is considered on its own very complex pattern, but in practice, it is 0,2-0,5% of the value of real estate in the year. Plus, about 0.2% a year - a tax on individuals who own real estate. Fee for cleaning pridomovyh territories porch, playgrounds, etc. set collection of tenants and is usually between 50 and 500 euros in the quarter, depending on the class of housing. Utilities: For example, if a family of two people living in two-room apartment, they spent about 60-70 euros per month. Again, it all depends on the size and class of property. - It is known that many are buying real estate in the resort countries in order to lease it to. How difficult is the procedure for foreign nationals - resident of Spain? And what of the market rent? - Yes, the apartments are often in the mortgage and come here to relax for a few weeks of the year, while the rest of the time that the apartment is not prostaivala and somehow make up costs, rent of the lease. If a small kvartirka, you can pay off the mortgage in full, but if it is a huge flat, bungalow or villa, the mortgage will struggle in part. I want to immediately warn that receive income from the rental of real estate purchased in the mortgage does not work. There are two forms of the lease of residential real estate: in the year-round and short-term tourists. Of course, housing for rent to tourists at higher prices, but it is not guaranteed money: when dense, and when empty. - What you can provide major advantages for the purchase of housing on the primary and secondary markets? What are the price differences in these segments? - Let us in turn. The advantages of buying an apartment in the primary market. The choice of housing in this segment is much greater. Options for finishing, sometimes the options you can choose a layout for my taste, but not to his liking last owner. In addition, the buyer of new apartment construction is given a guarantee of 10 years. The advantages of home buying in the secondary market. The possibility of finding an apartment in a specific place: in each city, region, neighborhood home. And, not least, the vast majority of apartments on the second hand is already furnished. As for prices, the re-housing a little bit cheaper than the original. Whew. - Yuri, thank you for this interesting and educational conversation. - Please! And before the meeting in Spain!
Reverse (back) loans still have a title or RAM Home HECM. With this loan Lender (financial institution) makes periodic payments, a borrower with a fixed pletezhom using the borrower's property as a guarantee. What would get back the loan, the borrower must be no older than 62 years. This type of loan is used to provide cash income for pensioners. The calculation of payments for the loan does not require a certain period until the property is not sold as well as in the case of death of the borrower. Income from loan oblagaetsya not taxed. Margin added each month to the main credit. Subordinate financing - this is a loan or line of "Junior Lien", a priority for many low-income families. These loans are given after the first payment of the loan, even if you took a loan washing machine .. The most common form of Subordinate financing is a loan that allows the borrower to take an advance payment of the approved limit. Another group of loans is, the so-called, Ancillary products, such as: Balloon Mortgage - This loan allows borrowers to make small monthly payments, but only for a short time (15 years) and the last payment for the whole balance at the end of the term loan. The last and final payment is called a balloon. The loan may be, as with a fixed monthly payment based on 30 years of depreciation, and floating the scheme. Equity Line of Credit - This type of loans, mostly for 3-5 years, with variable payments. The mechanism of this loan is very similar to a credit card with a "final payment" at the end. Growing Equity Mortgage (GEM) - a loan with a fixed reytom and change the size of payments (they grow), which leads to rapid acceleration of depreciation. This is convenient for borrowers who have the desire to repay the loan faster. Graduated Payment Mortgage (GPM) - as the previous type of fixed-reytom and replacement rates of payment. And the size of the payments in the early years of the loan, zero, that would ukazyvaetsya period and rank. This type of loan is created, that would help the borrower to obtain a loan at the time of high interest on loans. Negative is that the low payments lead to negative amortization in the early years of borrowing. 100% Financing. Is very popular nowadays. It may be of two types, and without your personal contribution in the first. The first type - 100% LTV, which you pay a private insurance. The second type - it is 80% - 20% LTV. Under this option, 20% down payment to pay for the borrower, and also made two loans (80% and 20% - the percentage is higher than the first loan of 80% LTV). Due to the fact that 20% (as at least) the first payment had been paid for the borrower and are almost always 100% financing with 80% - 20% LTV will naivygodneyshey loan scheme, if you want to buy real estate in the United States.
The crisis of real estate in Spain, or as well take advantage of the situation in the real estate market of Spain ... In recent years much has been said and written about the crisis in the real estate market in Spain. Does this mean that the urgent need to sell their flats in the country until it is definitively not depreciated or otherwise buy, while the low prices? A year ago, realtors positioned Spain as a country with a stable economy and the annual increase in prices by 10-15%. But the situation changed last year, when America began a liquidity crisis. U.S. mortgage crisis has affected the UK. This led to the exodus of customers from Spain, England, is about 80% of foreign buyers of Spanish property, but in general, their share was equal to about 40%. This has led to some reduction in housing construction. At the same time, banks have tightened the conditions for the issuance of mortgage loans, fearing the American situation. And while interest rates rose slightly on the mortgage. Therefore, sales declined as a secondary or new housing. Prices slowly polzut down from private owners do not have enough money to pay the mortgage, while construction firms do not have the means to complete the construction. Banks, who previously were willing to meet a client, is now much more careful and give mortgage loans. According to all forecasts in November - December 2008 the decline in real estate prices reach the peak, and buy real estate can be very inexpensive, and in some cases almost to the cost of construction. That is the situation at the moment. Does this mean that the real estate market in Spain to become illiquid? Definitely we can say that the Spanish real estate has been and remains a liquid. And there are many reasons. First, it is difficult to imagine that an apartment or a house on the Mediterranean coast could devaluation. Secondly, analysts at the beginning of 2009, prices will go up again, but after 2-3 years to be a sharp jump in prices. Moreover, despite the fact that the Bank of Spain with caution issued credit, it does not mean that they have ceased to issue them, as interest rates rose just under 6% per annum (which can not be compared with our 15-19%). In connection with this is a very good time to invest in Spanish real estate. All the more so that this year the ruling party of Spain lowered taxes, and the advantages of living in Spain and the rest are simply not perechest. Those who are already thinking about buying a Spanish real estate can give advice hurry and not miss your chance is very advantageous to buy a house on the coast Lazurnom, as always a pleasure to know that you have your own piece of paradise.
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