Most often, you need only tell his name, first name, apartment address, the name of bank loans (each of them – their claims to the evaluation report), contact numbers and preference to the inspection of the object you pledge. This information is entered in the text of the treaty, after which the appraiser tells you his details. Sign a contract with his hand, you can in a convenient time for you. Usually large companies have standard forms of contracts for appraisal services of housing, thus making the document does not take much time. But do not underestimate its importance. By signing the contract you enter with an estimated by a civil relationship that gives rise to both sides not only rights but also responsibilities. You need to provide an appropriate set of documents that provide access to expert examination apartments, as well as pay for evaluation services.
In turn, the assessment organizations have an obligation to quality and timely to evaluate the object of pledge. It should be noted two important points. Get all the facts for a more clear viewpoint with Jeff Flake. First, in case of failure (or poor performance) the appraiser of its obligations, which could lead to a denial of a loan, the absence of agreement allows the company to evade the assessment of compensation to you for damages. No agreement – no formal relations, there is no compensation. Even the money spent on evaluation (which technically was not), in which case you can not return. The second important point concerns the payment for evaluation. If the office appraisal organization does not have a cash register machine, the better to pay an assessment after any time convenient to you bank, accepting payments from individuals.
And bored and sad, as the poet said, to see in the ads would-be sellers of phrases such as: ideal for …, and then follows an impressive list that starts a pharmacy, and ends with the exhibition center or farm economy. Exaggerating, of course. But in this case understood the significance of this step is to assign the final price. It is clear that the "pharmacist" maximum value will be different than the owner or Venue discount network. By virtue of their different features, the volume of future production based on the object and, of course, the significance, for each of them, the size of this amount, compared to future earnings, and prospects for development other reason. Okay. When the collection and analysis of all data on your situation will be made fully and correctly, you'll know, and it will be your personal belief as to the capacity in which the most promising and beneficial for the future owner will be sold by you to use the object. Here it is necessary to clarify the concept of "evaluation".
By definition and in fact. In the words of vocabulary – an opinion, opinion or comment about anything. And in fact it is simply conclusion drawn by someone on the basis of some data. Conclusion! Ahtung! – This is interesting! What conclusion? Who made? Why? What are these? What are they really? What is the purpose of the creator of this conclusion? This data is personal observation? Or they based on someone else's opinion? And so on and so forth.
UEFA puts rather stringent requirements for quality and quantity of hotel room stock in all the cities participating in the EURO 2012. Kiev, Kharkov, Donetsk, Dnipropetrovsk, Odessa and Lviv have shortage of hotels. However, increasing the number of rooms by building new hotels is not always possible because of the financial crisis and lack of funding. Although, for example, projects have been put into operation seven 5-star, 10 4-star and 17 2 and three-star hotels in Kiev, it was planned to repair and construct 9 12 hotels in Dnepropetrovsk, six 5-star, eight and ten chetyrezvezdochnyh 3-star hotels in Kharkiv, 11 hotels in Donetsk. Most likely, this plans will be hard to come true. Possible solution could be apartments, Kharkov, Donetsk, apartments, apartments in Dnipropetrovsk, Kiev apartments, apartments in Odessa. Consider more detail apartments in Kharkov.
During the preparations for the EURO 2012 the hotel "Kiev" and "Kiev" will be closed for reconstruction. Given that in Kharkov is not such a large number of good hotels, apartments Kharkov ceychas increasingly in demand. To date, this business has grown from small businesses to large companies that have concentrated their efforts to provide guests with quality accommodation the city. Apartments in Ukraine – Kiev apartments, apartments in Donetsk, apartments in Dnipropetrovsk, Kiev apartments, apartments for rent in Odessa, the Crimea apartments, apartments for rent Zhitomir, Kiev apartments, apartments in Vinnitsa, Poltava apartments are the best option for guests who have limited budget but who want to rent a comfortable home in central cities of Ukraine.
Analysts say the growth in prices is a combination of four factors. growth in world oil prices, growth of the Russian stock indexes, the arrival of ‘long’ money from abroad and resumption of bank mortgages. In this case, according to Elena Golubeva, prices for cheap apartments (most popular) will begin in March 2010, all the rest – letom.Pervichnoe housing market buildings affected by the crisis most strongly: the developers appeared shortages bank loans, while demand from buyers has fallen sharply. As a result, many buildings had to be frozen, as well as to postpone the sale had not yet begun projects. Major lost the characteristic of the recent pace of development. But by the end of the year of investment and construction sector is no longer feverish, market professionals have become accustomed to the necessity of the existence of a crisis conditions and fully revised strategy. Force developers were left to the completion of already initiated projects. One of the highlights in the primary market is the emergence of new projects dumping prices, which shifted to his side of the demand. In recent months, an increase in the activity of buyers, as evidenced by a significant increase in the number of deals with new buildings.
In this regard, has recorded a gradual decrease in the volume offered for sale flats. Experts believe that the segment of new buildings will be influenced by the crisis last longer than second homes. Just as in 1998, when restoration of activity began with a finished housing, and only then, as the exhaustion of supply in this segment, customers in areas of interest include ‘a primary’. ‘2010 Year will be a transitional year in which the majority projects will be in the process of designing and still not be ready to provide the market with their products, – said General Director of Analytical Consulting Center ‘Miel’ Vladislav Lutskov. – It is expected deficit proposals on the primary market in an increasingly consumer activity, which will necessarily affect the level of prices in the second half of 2010.
This also applies to the segment of expensive housing. ‘What to expect next year’s Builders – to necessary to bring the initiated projects to a high degree of readiness, although it is not so easy because of low demand and funding difficulties. Buyers from those who purchase a home in the first half – to feeling of deep satisfaction from the right to purchase the selected date, all the rest – to the realization of the fact that the price ‘bottom’ of missing and buy an apartment at the lowest price will not succeed. Sellers of secondary residences, Despite their poor suppressed desire to raise prices, it is recommended to prepare for the fact that in the first half of this impulse is not explicitly supported by demand. So they have to control myself about to fall.
According to data released by Knight Frank in its regular Global House Price Index, annual global growth in housing prices, except in Dubai declined to 3.8% in the third quarter of this year, while in the second it was 4.8%. Average quarterly prices lost 0.3%, this is actually the first quarterly drop in prices decrease average quarterly prices were recorded for more than half the countries represented in the index for one-third of the countries was also fixed annual price fall Investors are again close to an active acquisitions According to the head of Knight Frank International Studies, Nicholas Burns has now become clear that none of the parts of the world can not be avoid the credit crunch, property losing value in many parts of the globe. Despite the strong growth in 2007, housing prices in more than half the countries represented in the study fell in the third quarter of 2008 year. For even more analysis, hear from Icahn Enterprises. Expected to continue this trend for most regions while maintaining a zero or negative quarterly index by the end of this year. Dubai, being a newcomer to this list, it seems, will confront the general trends, but recent data for the second quarter of the year did not reflect the sudden shifts in the balance of supply and demand in the future figures are likely to bear witness significant growth slowdown prices .. Russia and a handful of Eastern European countries in the third quarter looks pretty cool, recorded a slight increase in growth of average prices in the Czech Republic. However, there are signs and that some of the strongest members of the circle begin to weaken. Thus, prices in Bulgaria in the third quarter rose by only 3%, which is only half of the indicators of the previous quarter.
Lithuania, Canada, Norway and United Kingdom saw the largest price drop of about 5% in just three months. The quarterly decline in home prices in the states at around 2.8%, the loss amounted to about 21% compared with the price index registered at its peak. While property owners may not agree with that statement, but the extent and rate of decline in prices are also positive, as investors can buy today are finding that some markets offer the acquisition on terms comparable to those before the crisis. Against the background of frustration caused by the state of the stock market and the painful uncertainty as to the segments of the banking sector, real estate is them safe enough and sufficiently tangible home for investment.
If we believe the statements made by Russian banks, lending to small businesses – one of the priorities of many of them. However, in practice, a small company to take credit is rarely possible. Banks dissemble in order to attract customers, and borrowers, in turn, often conceal their real income. Meanwhile, the development of bank lending to small businesses will benefit both parties. Risks of lending to small businesses have each of the parties rather good arguments. Representatives of banks embarrassing lack of collateral, small scale business, which is difficult to assess his condition, poor quality of elaboration of business plans and the low level literacy of the borrower to adequately complete necessary documents. Small businesses often can not use the 'tempting' offers banks because of high interest rates, short term maturity, lack of seed capital, complexity and duration of the procedure for obtaining credit.
In addition, small businesses are reluctant to reflect the actual financial results reporting, which reduces the likelihood of obtaining credit for working capital and investment purposes. This is the current situation in banking lending to small businesses. However, over the past few years in the Russian market began to appear lenders ready to go to meet entrepreneurs. Cricket Banks for Small Business First, work with small businesses set up small regional banks, already entrenched in this market and specifically working with entrepreneurship. Secondly, it's big banks, which have become actively enter the market. According to the Association of Russian Banks, no less than 80 large banks are already lending to small businesses.
November 14 in the conference hall of hotel "Central" was a business forum "Financing, credit and insurance small business region. Prospects for development in the context of the global financial situation. " At the conference, were representatives of leading banks, such as OTP Bank, Bank VTB 24 "," NOMOS Bank, support fund for lending to small and medium-sized businesses in Moscow, a group of Renaissance Insurance, as well as chairman of the Nizhny Novgorod Regional offices SUPPORT Russia and representatives of ITC NSU them. NI Lobachevsky. Average and small business in Russia is developing, but the main problem is lack of funds for its development, and one of the best its decisions – lending. In the current global financial crisis, it has become very complicated, and every day in business there are more questions about lending to small businesses.
Birman Dmitry Petrovich, chairman of the Nizhny Novgorod regional branch of the SUPPORT of Russia, said that the proposed large complex of measures to resolve the situation (tax-free installments for 1 year various moratoria) and it is possible that some of them will be approved by the state. In any case, the crisis has already happened, and that we do not change, and in any case he would ever end. Many writers such as Technology author offer more in-depth analysis. Therefore, the important thing now is to remain calm and protect your health. Foundation for Assistance to Small Business Lending in Moscow stands surety for the issuance of loans to entrepreneurs. Its leading specialist, Karpel, SG, introduced the guests to the statistics and highlighted the main directions of this foundation. After the speeches, representatives of banks, the guests had many questions. Now one of the most urgent problems is to raise interest rates on loans. Bankers tried to explain that the growth rate is inevitable, because bank is the same shop, and prices there are also increasing.
Amid the global crisis it is impossible not to tighten the requirements for borrowers. Interest rates will rise, and there's no getting around it. AND this is a forced measure, not speculation. "Therefore, the time will have to reduce their appetite for loans," – said Karisalova NA, vice president of Bank VTB 24. Source
May 27, 2010 at 16 o’clock in the discovery of Business Incubator of the Academy of National Economy under the Government of the Russian Federation held a press conference: “Business Incubator – a new pillar of innovation.” The press conference is attended by: Vladimir Mau, Rector of the Academy of National Economy under the Government of the Russian Federation, Alexei Komissarov, head of the Business Incubator of National Economy under the Government of the Russian Federation, a businessman, a teacher in the Kingston MBA ANE, Alexei Teleshev, Director of the Seed Fund Russian Venture company; Igor Chesnokov, head of analysts Integrum a report “State of the Russian market for innovative start-ups and venture capital” Press Conference will bring together the brightest Representatives of innovative business: innovators, investors, carriers of ideas, startup, business people working in the innovation sector. You will have the opportunity to learn about the real state of the Russian business incubators and their role in the innovation course of Russia – from ‘first hand’. Business incubators – a new phenomenon, but has been firmly subsumed into the Russian reality (daily, Yandex. News “appears at least 5 news of business incubators across the country). The purpose of the press conference – to provide information about the different types and purposes of business incubators, the status and trends of innovative industry, on projections of its development.
The event is to open a business incubator in the ANE Presentation of the Government of Russian Federation will continue bright start-up projects, presentation of successful businessmen working in the innovation sector. Details on the website:. The press conference participants are waiting for a delicious symbolic Surprises Date: May 27, 2010 Time: Beginning Press Conference 16:00 17:00 Presentations Start Address: Moscow, Prospekt Vernadskogo, 82. Academy of National Economy under the Government of the Russian Federation (1 case) LOCATION: The public transport: 1) Metro Station “South West”, the last car from the center out of the subway – to the left and on the street on the right stairs. The main landmark – a blue glass building in the form of crystal that you want to bypass the right side. Immediately after the glass buildings is a passage of the Academy of National Economy.
5-10 minutes walk. 2) Metro Station “South West”, the first car from the center out of the subway – to the left and on the street on the right stairs. Further, one stop on the bus number 227 or the number 667. By car: By Vernadskogo from the center toward the metro station “South West”. Before reaching the subway station “South West”, turn right at the traffic lights on the street. Koshtoyants, then – to pass the ANE. Reference: Business Incubator of the Academy of National Economy under the Russian Government – a non-profit site designed to help budding entrepreneurs and innovators. The objectives of the incubator are: Provision infrastructure and comprehensive services to budding entrepreneurs, Implementation received ANE students in learning knowledge; Promoting innovation economy of Russia; Incubator is open, ie his residents can be both students and alumni of National Economy, and people who had no prior relationship to the Academy. Head of the Business Incubator – Alexey Komissarov. Contacts for accreditation and additional information: Press Secretary Olga Shevchenko +7 (903) 117-32-23, (495) 723-68-55 o@msk-pr.
Precautions recommend using methodologies that the time parameter is chosen intuitively, for example: the average, moving average, Holt and Brown, Winters and indicators. The experts suggest that average neosmyslenno, by selecting one of the proposed values – 25, 14, 5 days and use the selected option as long as it works effectively. In a survey of players and own attempts to adhere to this recommendation, it became clear that while we intuitively choose the parameter, the market is generally unchanged. So it makes sense to use technical analysis indicators avtomasshtabiruemy time parameter or the averaging method is sensitive to incoming data. With regression analysis, which has become very popular today, is not so simple.
It is necessary that all independent variables, including the hidden or difficult to measure, were included in the model. Otherwise, estimates of the regression coefficients (in the nonorthogonal case) will be biased (Gauss – Markov becomes impermissible). Regression equation with biased estimates of regression coefficients does not have any sense – it is nothing more than self-deception, supported by the authority of mathematics. Local approximation method has many in common with autoregressive methods, but has clear advantages over autoregressive: at any given time know the exact number of variables, which gives us the fractal dimension, the search for its integral part of the method of the aircraft. Also, instead using the globally-linear (uniform for the entire series) is characteristic of autoregression, piecewise linear approximation that can successfully predict irregular time series. Therefore, not to wait for the immutability of the system during the entire observation time, but for LA, in contrast to autoregression that is not required. Despite the availability of advanced modern methods of technical analysis, there a huge number of supporters and fundamental analysis and is not quite correct to say that between adherents of the above theories is a dispute about the effectiveness and universality of each of the theories. It should be noted that dispute mainly focuses on the applicability of technical analysis. Compromise in the dispute, is an attempt to combine the methods of technical and fundamental analysis.
2. Cadastral valuation of land we have worked federal agency – and its Rosreestra FSUE rather than local assessors who know the local market. This led to the fact that the cadastral value of land is rarely corresponds to the market value. The author spent an independent private research relationships and the market value of land in an area of well-developed market of land nearest suburbs. From this study it follows that the individual site a well-developed market, the cadastral value is different by 12-15 times, as in bigger or the smaller side.
This is the result of years of work, employees ROSZEMKADASTRA Rosnedvizhimost-Rosreestra. There was great hope that the changes in legislation to correct this situation. However, this did not happen. Cadastral valuation of real estate, as before, will deal with the structure Rosreestra. Thus, the second condition is not satisfied. 3. As the main method in the methodology of land evaluation land officials adopted a method of comparing sales in the variant of correlation-regression analysis (CRA) price proposals. The same method will be used in cadastral valuation of real estate.
For this purpose a special software as open source software "black box". That is, the third condition is not satisfied. 4. In accordance with the regulations of the "quantitative and quality characteristics of properties required for T-bills, "evaluators should represent" the body of cadastral registration. " However, these data have "agency cadastre" in sufficient amounts to Currently, no, and when they become known. Do not even know how much we have all of the property.