Once upon a time in Russia was a reliable system for their own insurance, but after its submission to the State This system could not resist. I'm talking about the Soviet , which collapsed with the Soviet Union. And why? State insurance was not Self-and there was no other like him. A lack of competition breeds stagnation. Now in Russia revives insurance giant steps since the market opened to foreign capital. What it does Russia? New jobs, cash flow and infrastructure development as a means better to use here. In recent months, AgustÃn Coppel Luken has been very successful. There were many campaigns as the 'Russian' and Western. The difference is that big Western companies are not hide the fact that in Russia, their company only daughter. A daughter is fully subject to the Western and involved in a huge lump of cash that gives it stability in the Russian and world markets. Until only power citizens to pay attention to insurance. Lean advertising such valuable tools as a cumulative life insurance remains in the shadows. Indeed, the cumulative insurance multiplies and does not burn money their clients and this ensures both Russian and international zakanodatelstvo. Due to generated hundreds of years of money grow as the apple tree in the garden and give the fruit – just only to plant and maintain. As patient gardeners and ladies – these women are engaged in is not an easy task in Russia, like life insurance. In the face of Russian public organization "Business Women of Russia 'business women willing to share their experiences and not only tell, but invited to cooperate and to teach financial literacy. Indeed, in today's world we must be able to think not only about his condition and his family today, but tomorrow and in ten years.
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Now Mortgage
If your home is a new building, the increase in your home’s value will be very serious. The math? 1.5 * 0.4 = 0.6 million rubles per year. Over 10 years: 0,6 * 10 = 6 million rubles. ” Now let us compare costs with the addition of value: 6-3,45 = 2.55 mln. Now we think we dispelled the myth of the expensive, because in reality, the mortgage – a profitable investment! Besides all these years you will live in his apartment, and will not pay the rent housing.
And, as opposed to the first misconception, is a polar view of the group of people: the mortgage – it is very affordable. Take it – and enjoy the benefits of free money! We hasten to call to your mind when you are fan of the idea. Before taking a mortgage, is to weigh all the pros and cons to think about their financial position for the duration of the loan repayment. Calculate it yourself! Do this several times, and then you will understand if you can pull the mortgage interest. There is another popular misconception, which is based on “awareness” of people that soon the mortgage will be very cheap. One has only to wait, and here they are cheap and easy to return the money! Have to disappoint you.
Sharp decline in interest will not. Interest rates on all loans that offer banks that are closely tied to the Central Bank refinancing rate, which in turn formed according to inflation. Now inflation in our country is quite high, to the same American liquidity crisis is not the best way possible impact on the domestic economy. There are other myths of mortgage. One of them is related to age, which is determined by the Bank in respect of borrowers. The average age of Russian borrower – 30 years. But do not think that if you’re 40-45, you will not be able to enter into mortgage relationship with the bank! You work, get a steady income, before the official retirement of more than 5 years? You definitely can count on getting a mortgage. But the possible conditions you better in the bank. More one serious error is associated with mortgage insurance. It is believed that it is not very profitable, expensive. Yes, of course, the insurance – it is a serious waste, but we can not say that this is an unnecessary expense. All people, to Unfortunately, maybe fortunately, it is not working arrangements, and can add up so that a person, which bears the burden of repayment mortgage loans, lost his ability to work. In this case, the insurance company to help. So, Insurance – a necessary item of expenditure. In any case, whether to take a mortgage, or not worth, it’s up to you. This question requires a delicate and balanced solutions. Well, as a result of events almost entirely dependent on the soundness of the preliminary analysis of your opportunities, because you only under the force correctly evaluate them! Therefore: The cool head, a calculator, a family council and clearly thought-out decision.