Домашнее настроение

О способности цвета влиять на наше самочувствие, вызывать определенные эмоции и ощущения знают все. Этот эффект широко используют дизайнеры при разработке колорита интерьеров. С помощью оттенка можно изменить геометрию помещения и даже температуру в нем — сделать его теплым или прохладным, просторным или уютно небольшим, а также поднять потолки, раздвинуть стены или добавить солнечного света. Цвет и его восприятие Известную поговорку про вкус и цвет можно переформулировать иначе: сколько людей, столько и цветовых предпочтений. Более того, они не остаются постоянными на протяжении нашей жизни, меняясь с возрастом. Молодым нравятся яркие, контрастные тона, людям постарше — пастельные, спокойные. Выбор оттенка определяется и характером. Так, сочные цвета предпочитают люди энергичные, общительные, а приглушенные — особы, погруженные в свой внутренний мир. Еще замечено, что чем более развит интеллект человека, тем более сложные тона и тонкие переходы цвета ему нравятся. Однако есть и общее в цветовосприятии самых разных людей, то, что вызывает природные ассоциации: синий — высокое небо и прохладная вода, желтый — тепло солнечного света, а красный — жар огня. Отсюда и «температурные» характеристики. Спектр делится на теплые и холодные тона в районе зеленого цвета, который, как известно, состоит из теплого желтого и прохладного синего, и «температура» зелени повышается с увеличением желтой его составляющей. Палитра интерьера очень важна, так как она может сделать помещение не только теплее или прохладнее, но и создать у находящихся в нем людей определенное настроение (радость или уныние, раздражение или покой) и даже изменить самочувствие (вызвать прилив сил или усталость).

Итоги и перспективы развития рынков жилой, коммерческой и загородной недвижимости Петербурга и Ленобласти

Cегодня, 29 января 2008 года в 12:00 в зале "Глинка" отеля Radisson SAS Royal Hotel (Невский пр, д.49/2) состоялся круглый стол "Итоги и перспективы развития рынков жилой, коммерческой и загородной недвижимости Петербурга и Ленобласти". В круглом столе приняли участие: - Илья Еременко, генеральный директор ООО «ЦРП «Петербургская Недвижимость»; - Михаил Бимон, директор департамента маркетинга и развития Корпорации; - Сергей Дроздов, генеральный директор агентства «Петербургская Недвижимость» - Ольга Трошева, руководитель загородного отдела департамента маркетинга и развития; -Алексей Чижов, директор по консалтингу Praktis СВ; Это была презентация исследований по всем секторам рынка недвижимости, под общим девизом: «4 сезона – 6 сегментов». На мероприятии была представлена аналитика рынка. Данные были получены на основе регулярных исследований первичного, вторичного и загородного рынков жилья, а также рынка коммерческой недвижимости Петербурга. Как эксперты рынка выступили руководители компании «Петербургская недвижимость», были подведены итоги минувшего года и озвучены прогнозы развития рынков в 2008 году. Первичный рынок по-прежнему находится в стадии равновесия между предложением и спросом, при этом растет популярность малогабаритного жилья. Рост цен в 2008 году будет зависеть от сегмента. Более всего будет дорожать элитное жилье – здесь прирост может составить 20% и более в течение года за счет выхода на рынок новых объектов, где стоимость квадратного метра составит свыше 500 тыс.

Рынок недвижимости на рубеже 2007-2008 гг. Итоги и прогнозы

Прошедший год в сфере недвижимости был богатым на события, которые повлияли и еще повлияют на дальнейшее развитие отрасли. Были приняты новые законопроекты, произошли существенные изменения в колебании цен на недвижимость, увеличилось предложение ипотечных программ, появились новые возможности для развития риэлторского бизнеса. Начало нового года – самое время подводить итоги года ушедшего и делать прогнозы на новый 2008 год. Представители Росрегистрации предоставят данные о регистрации недвижимости за 2007 год, сравнительные оценки изменений на рынке. Профессионалы риэлторского бизнеса обсудили перспективы развития отрасли, сделали прогноз о динамике цен и предложении на рынке недвижимости в новом году. По прогнозам аналитиков компании «Петербургская Недвижимость» в 2008 году цены на жилье массового спроса на первичном рынке будут расти, но динамика будет небольшой. Рост стоимости жилья в этом сегменте составит порядка 0,5-1% в месяц в сопоставимых ценах. То есть за полгода жилье массового спроса подорожает на 4-5% в сопоставимых ценах. В сегменте класса «комфорт» жилья также будет дорожать, но неравномерно. Дифференциация цен будет обусловлена ряду параметров, характеризующих жилье в данном сегменте: местоположение, планировки квартир, особенности дома и др. В сегменте элитного жилья рост цен будет наиболее существенным – 7-10% за полгода за счет выхода на рынок новых объектов, где цена за квадратный метр составит $15-20 тыс. и выше. Такой заметный рост цен обусловлен дефицитом участков под застройку в центральной части Петербурга, так как критерий местоположения по-прежнему останется самым основным ценообразующим фактором.

Коттедж с отделкой: за деньги вас избавят от хлопот

Девелоперы давно освоили создание организованных коттеджных поселков самого разного класса и уровня комфорта. И уже сложился определенный стандарт услуг, основанный на ожиданиях клиента. В их числе появился новый сервис — полностью отделанный и готовый к новоселью коттедж. И это не просто так: по экспертным оценкам, теоретически примерно половина потенциальных покупателей не хотели бы ничего достраивать и ремонтировать в своем доме. Хотя на практике желающих купить дом "под ключ" гораздо меньше. Как рассказала корреспонденту Интернет-журнала о недвижимости Metrinfo руководитель отдела проектов компании «ТЕРРА-недвижимость» Надежда Гребенникова, обычно клиенту предлагается приобрести участок определенного размера, размер которого зависит от класса будущего жилья – от нескольких соток для палисадника у крылечка в «экономе» до нескольких гектаров с корабельными соснами и голубыми елями в «премиуме». Вот как примерно можно классифицировать коттеджи по степени «роскоши»: Эконом-класс: общая площадь коттеджа обычно не превышает 150 кв. м. На первом этаже расположены небольшая гостиная с камином (от 20 кв. м.), кухня или кухня-столовая, санузел. На втором этаже — несколько жилых комнат, желателен балкон или второй санузел. Бизнес-класс: общая площадь коттеджа составляет 200 – 350 кв. м. Гостиная с камином гораздо больше (40 – 50 кв. м.), возможен холл и кабинет на первом этаже. Обязательна столовая или большая кухня-столовая (от 20 кв. м). На втором этаже – не менее трех жилых комнат, балкон, возможна мансарда или зимний сад.

Как грамотно оформить перепланировку в новостройке?

«Собственник» подробно рассказал о перепланировке в уже обжитой квартире, а теперь речь пойдет о более сложном случае – новостройках. Главная особенность процесса в домах-новостройках в том, что на момент его проведения большая часть граждан не имеет на руках согласованного проекта перепланировки квартиры и решения органа местной власти, осуществляющего такое согласование. Что делать с таким несовпадением? Связано это, как правило, не с отсутствием понимания важности согласования, а с тем, что его безумно трудно взять без зарегистрированного права собственности. Не секрет, что право собственности на квартиру в новостройке владельцы могут получать годами. Меж тем нужно где-то жить. И лучше в родной, хоть и не оформленной по всем правилам недвижимости. Возникает следующий вопрос: что правильнее – обживаться в квартире, не удовлетворяющей ни эстетическим, ни практическим потребностям, а потом когда-нибудь, после получения необходимых бумаг, переделывать ее уже «набело» или не тратить время и силы на двухразовое обживание, а по-простому, без согласования, сразу делать жилье под себя (бог даст, потом утвердим и перепланировку, и все что нужно). Естественно, большинство новоселов идет по второму пути. А потом сталкиваются с проблемой: составленный постфактум проект переделки квартиры не удовлетворяет Мосжилинспекцию. Чем это чревато, все мы знаем. Как рассказала «Собственнику» Татьяна Филиппова, заместитель начальника управления информации и контроля поручений Мосжилинспекции, в отсутствие права собственности жителю необходимо представить всю цепочку документов (от инвестиционного контракта до акта приема-передачи квартиры) и согласие застройщика на перепланировку.

Домашние долгожители

Ритм современной жизни становится все быстрее, поэтому спокойствие и уют домашнего очага ценятся все больше. Ведь место, где мы живем, – особенное. Все предметы интерьера и материалы должны сделать дом комфортным, а его обитателей - счастливыми. Создавая уют, можно пожертвовать некоторыми модными тенденциями. Тем более что в дизайне интерьера они меняются не так часто - по мнению специалистов, один стиль сменяет другой примерно раз в 5-10 лет. Современный дом По мнению психологов, человек, входя в помещение, прежде всего, обращает внимание на потолок, затем на стены, а потом на все остальное - мебель, оборудование, декоративные элементы убранства. Рассмотрим названные элементы интерьера подробнее в том порядке, в котором происходит их восприятие посетителями дома. Современные технологии не стоят на месте, и все большую популярность сегодня приобретают натяжные потолки. Они изготавливаются из винила или ПВХ, которые могут быть выполнены в любом цвете и рисунке. Стоит взять на заметку, что материал долгое время не выгорает и не меняет цвет (срок службы натяжного потолка - 20 лет). Благодаря применению натяжных потолков, кроме всего прочего, помещение будет надежно защищено и от протеканий. Например, если у соседей сверху прорвет трубу, то вода потечет не по вашим стенам, а будет скапливаться в натяжном потолке. Это поможет избежать ремонта помещения. А собравшуюся в пленке воду откачает специалист компании, установившей покрытие, после чего поверхность снова будет выглядеть как новая.

Офисная кухня

Все больше времени сотрудники офиса проводят на работе. Ведь офис сегодня это не только способ зарабатывания денег, но и общение с приятными тебе коллегами, а иногда и шанс устроить личную жизнь. Как сделать так, что сотрудникам было максимально комфортно в их "втором доме"? Конечно же, обустроить место их пребывания. Если замечена тенденция, что люди часто задерживаются после окончания рабочего дня или не успевают пообедать в ближайшем кафе, то это первый и важный сигнал: пора обустраивать офисную кухню. Для начала нужно выбрать место. Во-первых, кухню не рекомендуется размещать рядом с рисепшн. Все-таки, еда - это немного интимно. Какому менеджеру будет приятно, если клиент застанет его за поеданием бабушкиных блинов? Во-вторых, ни в коем случае не совмещайте кухню и курительную комнату - даже если там установлена мощная вытяжка. Табак и еда сочетаются только в дешевых американских триллерах. В-третьих, все кухонное пространство должно быть устроено так, чтобы место использовалось максимально эффективно. Не скупитесь и потратьте несколько часов на планирование кухни. Если вы не уверены в собственных силах - обратитесь в один из больших магазинов мебели - очень часто там есть толковые консультанты, готовые предложить несколько вариантов планировки. Причём эта услуга бесплатна. Вот несколько моментов, на которые обязательно обратят ваше внимание: Напольное покрытие. Кухня - одно из самых популярных мест. Здесь бывает гораздо больше народу, чем, скажем, в кабинете главного босса.

Необычные перепланировки обычных квартир

Сегодня пространство для фантазии в квартире ограничено лишь законами перепланировки, требующими не посягать на устойчивость и надежность конструкций всего дома и права соседей. Для творческого порыва эти рамки не помеха, и человек может преобразить жилище, сотворив свою собственную сказку. У большинства жителей постсоветского пространства нашей Родины слово «квартира» неизменно ассоциируется со стандартным жилищем от одной до трех комнат. Маленькая прихожая с громоздким встроенным шкафом, антресоль над коридором, балкон, отделанный в начале 90-х вагонкой, по одному окну в помещении Облик квартиры передавался из поколения в поколение: на кухне — уголок и двухъярусная линейка из пластиковых шкафчиков, в гостиной — тройка мягкой мебели и «стенка», в ванной — фаянсовая подвесная раковина, узкая ванна и стиральная машинка, мимо которой протиснуться можно только боком… Все до боли знакомо и до такой же степени наскучило. Наверное, именно поэтому с появлением в недавнем прошлом понятия «дизайн интерьера» граждане принялись с большой охотой переделывать свои жилища. Почти классика Любой москвич сегодня знает, что надо сделать с недавно купленной недвижимостью: снести стенку между кухней и гостиной, закрыть облезлые потолки гипсокартоном или металлическими рейками, куда встроены круглые светильники, совместить туалет с ванной, поставив между ними номинальную перегородку из стеклоблоков, организовать в спальне вдоль одной из стен зеркальный шкаф-купе Однако немногие задумываются над тем, что вышеперечисленная «классика» — лишь вершина айсберга, а интересных и функциональных изменений в квартире может быть гораздо больше.

Новый формат жизни: нанимаем хозяйственного "управдома"

Представьте себе территорию вокруг вашего дома: ухоженный двор с детской площадкой и изящными скамеечками, цветущие газоны. Подъезды сверкают чистотой. Сантехники, дворники, электрики поражают вежливостью и точностью. Все они готовы прийти на помощь по вашему первому звонку и никогда не возьмут с вас денег за свои услуги. Потому что вы их уже заплатили. Ведь вы навсегда расстались с ДЕЗом и наняли управляющую компанию. Как же это сделать в реальности, а не в мечтах? О том, какие сложности могут возникнуть на пути жильцов, желающих заключить договор с управляющей компанией и как с ними справиться, нам рассказал директор департамента жилищной политики управляющей компании ООО «ПИК-Комфорт» Николай Яценко. Новоселам придется ждать Основа отношений между управляющей компанией и домовладельцем — договор. Приобретая квартиру в новостройке, вы заключаете его как бы «автоматически»: застройщик назначает управляющую компанию, и приходящему за ключами домовладельцу предлагают подписать с ней договор. Обычно люди так и делают. При въезде в новую квартиру важнее всего получить ключи, остальные вопросы отходят на задний план. Иногда будущие собственники квартир в строящихся домах создают ТСЖ, а затем выбирают УК и заключают с ней договор. Но чаще всего в этом случае они опять же получают помощь от застройщика. Лишь в единичных случаях людям удается самостоятельно создать ТСЖ (другие формы управления на этом этапе закон выбирать запрещает). Но тут важно заметить вот что: создать ТСЖ будущие собственники могут только в строящемся доме.

О состоянии уюта

Внешний вид квартиры, состояние уюта и комфортности зависит не только от планировки, типа и расстановки мебели, но и от отделки стен, выбора осветительных приборов, декоративных тканей. ЗАНАВЕСИ И ДЕКОРАТИВНЫЕ ТКАНИ. Занавеси и драпировка являются одним из основных элементов украшения квартиры. Занавеси могут в значительной степени зрительно смягчить недостатки окон или дверей в комнате – удлинить или расширить их. Например, для того чтобы окно выглядело шире, занавеси и драпировки вешают по обеим сторонам оконного проема, захватывая часть стены справа или слева. При желании сузить окно, занавеси прикрепляют к карнизу, соответствующему величине оконного проема, а длину занавесей доводят почти до пола. Очень красивы занавеси и драпировки, если они лежат густыми сборками или складками. Для этого ширина занавесей должно быть в полтора раза больше ширины оконного проема. В комнате, где стены окрашены или оклеены обоями без рисунка, для занавесей и драпировок можно использовать ткани с рисунком, причем желательно, чтобы фон или рисунок ткани соответствовал окраске стен, был с ними одного цвета, но другого оттенка. Для тех помещений, стенные покрытия которых имеют рисунок, используется преимущественно мелкоузорчатые или гладкие ткани. Если в комнате на окнах висят и тюлевые занавеси, и драпировки, то либо драпировочная ткань должны быть гладкими, без рисунка. Если крупные вещи стоят в маленькой комнате, то их также обивают гладкой или мелкоузорчатой тканью. Иначе они будут выделяться.

Дизайн кухни

Чем меньше времени человек проводит за непосредственным приготовлением пищи, тем больше времени он уделяет обустройству собственной кухни Современная стремительная жизнь оставляет нам все меньше свободного времени, и с каждым годом мы становимся все свободней от всевозможных домашних обязанностей вроде приготовления обеда или мытья посуды. На обед или ужин вполне можно отправиться в ресторан, а большинство европейцев уже даже и завтракают вне дома. И хотя эта традиция у нас еще не прижилась, в скором времени это, видимо, произойдет. Однако, несмотря на такой нерадостный «расклад», каждый дизайнер с именем считает своим долгом заняться проектированием кухонь. Дизайнерская кухня – это несомненный признак хорошо вкуса. В ней все должно быть сбалансировано, выверено по цвету и составу, приправлено новейшими тенденциями – прямо как в фирменном блюде от шеф-повара вашего любимого ресторана. Поэтому, пока мы хотя бы завтракаем дома, не лишним будет сориентироваться в кухонной дизайнерской моде, чтобы сделать пусть и краткое, но крайне значимое времяпрепровождение на собственной кухне максимально комфортным. Законодатели стиля В дизайне кухонь лидерство принадлежит итальянцам и немцам. При этом отличить кухню итальянскую от кухни немецкой довольно просто. Представители Апеннинского полуострова делают ставку на чувственность и экспрессивность, стремясь покорить потенциального покупателя с первого взгляда. Немцы же апеллируют к рациональности и основательности – визуально их продукция выглядит куда скромней, однако находит ничуть не меньше поклонников.

Квартира. Когда ломать труднее, чем строить

К сожалению, желание улучшить свою квартиру, сопровождающееся изменением первоначальной планировки зачастую приводит к печальным последствиям. Мнение собственника о том, что со своей квартирой можно делать все, что угодно - явное заблуждение. За нелегальную перепланировку полагается внушительный штраф Любой ремонт, выходящий за рамки отделочных (косметических) работ, требует согласования проекта, контроля его проведения и регистрации всех нововведений. Однако многие граждане вспоминают об этом, с явным опозданием, - когда сталкиваются с "неожиданными" проблемами. О том, как не попасть в ловушку собственных улучшений стоит поговорить подробнее. Разберемся в терминологии Согласно новому Жилищному кодексу, введенному в действие с 1 марта 2005 года, следует четко разделять два понятия - перепланировка и переустройство. Под первым понимают изменения габаритов помещения, числа комнат, размеров дверных и оконных проемов. Под вторым проведение новых сантехнических коммуникаций, систем отопления (или реконструкция прежних), а также замена и (или) перенос стационарного электрооборудования дома. То есть установка новых раковин, душевых, ванн, проведение канализационных труб (изменение направления прежних), добавление дополнительных радиаторов отопления, водяной обогрев пола за счет мощности центрального отопления дома, проведение новой электропроводки и пр. Для проведения и тех, и других работ требуются соответствующие разрешения и полное соответствие утвержденному проекту. К сожалению, многие жильцы не видят разницы в том, сколько радиаторов будет в их квартире или не хотят понять почему нужно с кем-то согласовывать установку объемной ванны с гидромассажем, а также почему нельзя путем изгиба прятать в несущую стену канализационную трубу стояка… А это только несколько часто встречающихся проблемных ситуаций (проблемными они становятся после завершения ремонта, как правило).

Арифметика новосела: сколько стоит ремонт

Жизнь покупателя новостройки весьма многотрудна. Его хлопоты не заканчиваются после приобретения квартиры. Ведь в ней еще невозможно жить! Так что одна из главных задач новосела – сделать ремонт в своих хоромах. И не просто обойки поклеить, а зачастую после строителей приходится выравнивать стены, потолки и исправлять прочие огрехи. Как это сделать грамотно, и главное - экономно? Разобраться с ремонтными проблемами Интернет-журналу о недвижимости Metrinfo помогает советник президента Финансово-строительной корпорации «Лидер» Григорий Алтухов. Панель или монолит – в чем разница Стоимость и ход ремонта зависят, в частности, от того, в каком доме вы приобрели квартиру: монолитном или панельном. Так, в «монолите» приступать к отделочным работам можно сразу после возведения дома, благо конструктивная жесткость сооружения позволяет сделать это, равно как и установить тяжелое бытовое оборудование. В панельном доме начинать серьезные работы желательно спустя год после завершения строительства. «Панельные дома сдаются «под чистовую отделку». Это значит, что без предварительной подготовки можно проводить ремонт, близкий к «косметическому» в уже эксплуатируемой квартире, при минимальных затратах – порядка 300 у.е. за кв.м. Для проведения ремонта в монолитных домах необходимо будет сделать стяжку, поставить межкомнатные перегородки. В квартире есть внешние стены, окна, подведено отопление, а к стоякам – вода и канализация. Нет электричества, и для его подключения по постоянной схеме потребуется заказывать специальный проект.

Евроремонт по всем правилам

Понятие «евроремонт» давно стало расхожим. Даже тот, кто никогда в Европе не был, уверенно его употребляет. Многим кажется, что они отлично представляют, как именно должна выглядеть квартира после подобного обустройства. Дорогие обои и кафель, ванна с гидромассажем, арки, натяжные потолки – примерно таков распространенный стереотип. Что же представляет собой евроремонт на самом деле? С приставкой «евро» Где бы не жил человек, в городской квартире или в собственном доме, рано или поздно он задумывается о необходимости ремонта своего жилища. И дело здесь не только в износе коммуникаций или элементов отделки. Иногда просто хочется сменить обстановку. Наших соотечественников заняться переоборудованием места своего обитания часто заставляет стремление к индивидуальности. При этом многие вспоминают о таком понятии, как «евроремонт», ассоциируя его, прежде всего, с необычным, эксклюзивным декором. По мнению дизайнера Натальи Митиной: «Российские заказчики в первую очередь ценят эффектность, внимание к деталям, дороговизну интерьера. Для русского человека это способ самовыражения, возможность показать себя. Когда видишь такие интерьеры, складывается ощущение, что в помещении не осталось ни одной чистой плоскости: каждая часть стены, пола, потолка обязательно декорирована, занята, задействована». На самом же деле суть евроремонта совершенно в другом. Европейцы больше всего ценят эффективность: грамотную планировку, экологичность и энергосбережение, функциональность жилья, его удобство и экономичность.

Островок тишины в шумном городе

Присутствие постоянного звукового фона (так называемое шумовое загрязнение) стало настоящим бедствием для жителей современных городов. Шум является причиной стрессов, повышает утомляемость и снижает работоспособность. Иногда он может вызвать физиологические нарушения в организме, привести к психическим расстройствам, повышению артериального давления, вызвать частичную потерю слуха. Поэтому сегодня в городской застройке предусмотрены специальные решения для изоляции источников шума. Кроме того, медики настоятельно рекомендуют горожанам позаботиться о звукоизоляции своих квартир. Звуки, которые нас окружают В течение всей жизни человека сопровождают различные звуки. Даже находясь в условиях «абсолютной тишины», мы слышим шелест листвы, движение воздуха, наконец – собственное дыхание. В качестве единицы громкости (звукового давления) используется относительная величина – Децибел (дБ). Человек с нормальным слухом ощущает слабые звуки, начиная примерно с 0 дБ, и может различить изменение громкости на 1 дБ. Однако звуки разной высоты мы слышим не одинаково хорошо: лучше всего среднечастотные, близкие к диапазону речи, а более высокие и низкие – хуже. Поэтому для измерения уровня шумов используется кривая равной громкости – специальная шкала (шкала A), учитывающая эту особенность человеческого слуха. Уровень громкости по этой шкале обозначается дБА. Громкость различных звуков, измеренная в дБА, одинакова для человека, независимо от их высоты. Например, шелест листвы имеет интенсивность в 10-15 дБА, а разговор двух людей – 30-45 дБА.

Естественная терапия – сон

Спальня – одно из немногих мест, где можно забыть о проблемах и тревогах дня, оставив за порогом все заботы. Поэтому очень важно, чтобы атмосфера спальной комнаты помогала человеку расслабиться и успокоиться. Ведь крепкий и здоровый сон - непременное условие продуктивной деятельности в активное время суток. Здоровый сон является одним из необходимых условий нормальной жизнедеятельности, в этом состоянии человек проводит до трети своей жизни. Нарушения сна могут привести к ухудшению памяти, внимания, снижению физиологического тонуса организма. Для большинства людей сон – одно из наиболее эффективных средств борьбы с нервными перегрузками, возникающими в течение дня. Во время сна восстанавливается функциональное состояние организма. Участки головного мозга, работающие днем, во сне снижают свою активность до минимума, отдыхают и восстанавливаются. Известно, что сон не является однородным состоянием, он состоит как минимум из двух сменяющих друг друга фаз: «медленной» и «быстрой». Отклонения в продолжительности фаз быстрого и медленного сна, постоянное недосыпание, отрицательно влияют на здоровье человека, его трудоспособность и эмоциональное состояние. Обычно здоровый сон длится от 5 до 10 часов. Его продолжительность зависит от характера человека, его темперамента, возраста, пола и образа жизни. Как отмечает кандидат медицинских наук Анна Давыдова: «По своему опыту могу сказать, что «долгоспящие» люди - более нежные, хрупкие, со слабой нервной системой. Сон для них своеобразная «палочка-выручалочка».

Insurance losses from the apartment, why not take its customers?

The introduction of foreign experience in Russia - a process that is very different. Somewhere in all the great thing is, our citizens, for example, learned how to ride well on foreign cars, eat hamburgers and watch on TV idiotic talk show. In another - the problem. Say, did not take root in our real estate title insurance. However, strange as it seems at first glance: when reading the specific realities of surprise as a matter of evaporation. What is it? In view of the low public awareness, to begin, you should probably with the most elementary questions. Thus, title insurance - a protection against the risk of losing the rights to this property as a result of the impugned by third parties. In other words, the physical risks (fire, flood, etc.), and legal. The point is, no doubt, right. Some time ago at the initiative of the corporation "BEST Real Estate," was held on theme "round table", which was announced by a curious figure: only one month in Moscow, was delivered on 27 court decisions, which resulted in good faith purchasers of the housing lost their apartments. And this is bona fide purchasers - the transaction by which they got an apartment by themselves blameless. The trouble is that the real estate market in this country for almost 20 years, and many apartments are passed from hand to hand several times already. And if in this chain of transactions "curve" recognize at least one - this is sometimes enough to the current owner (even a thousand times in good faith) lost his apartment.

Seasons for repair

It has long been a tradition to repair a house or apartment in the summer. This time of year could be described not only the resort, but the construction season. Of course, this is the explanation. Even the most inexperienced person it is obvious that in the summer just to make repairs easier. For example, nothing prevents easy to open windows and ventilate the room while continuing to work. Finally, in the warm season, during the repairs, you can send their children and loved ones to rest or to move to the country. There are technical restrictions on certain types of work in the cold season. However, this does not mean that in winter, spring and fall you can not do anything, even more so if the need for repairs caused by, for example, change of residence, there was at that moment. Moreover, in recent years, many new technologies and materials for use in a variety of conditions. A more detailed examination of some specific situations will help you understand what work can be done at any time of year, and which perform better when it's warm and dry. Weather Restrictions-related repairs in the winter, mostly due to two reasons. First, the use of certain building materials requires compliance with certain temperature and lack of adverse weather conditions such as rain or snow. This applies above all to the outer works: facade, roofing, etc. Recommendations for conditions of use of materials is usually marked on their packaging or documentation.

Has been tested - ready to eat

At all times the dwelling occupied by one of the main places in the concerns and aspirations of its inhabitants. It should be safe haven for many generations, able to protect the precious atmosphere of domestic comfort, to protect against bad weather, to help survive tough times. Returning home, he leaves the threshold of the problems and troubles of the big world. It is not surprising that most people are concerned about the safety and durability of their habitats. According to the survey conducted by the fund "Public Opinion", 67 percent of Russians are concerned about the state of their homes. At the same time 27 percent of respondents believe in the need to replace communications, 14 percent complained of leaking roofs, 9 percent - on the condition of the basement, 7 percent say the need to eliminate cracks in the walls, 2 percent fear the collapse of the balconies and the same number of respondents believe that the house in general could collapse. The topic reliable and durable housing takes on special urgency. Gain confidence in the durability of materials and structures helps to mandatory certification, which are an integral part of the test. My home - my castle built good home for years to come. Therefore, the basis of its design must be items that can properly serve several generations of residents. First of all, we are talking about building blocks, roofing, plumbing and heating pipes, windows and doors. Walls - the foundation of any structure. Replace them during the operation is impossible, so the materials from which erected the walls - concrete blocks, panels, slabs, bricks, etc. - must be tested to prove their durability.

Repair - smart savings

Many are planning to make a solid, high-quality repair of the dwelling, but not everyone can put these plans into reality. Obstacle to such a venture often becomes not fear complex "manufacturing process", and the fear of an endless line of displaced spending that could undermine the budget of any family. However, the conventional wisdom that the repair is similar to a natural disaster, the devastating purse, inherently wrong. As in any other case, determining importance here are a rational approach and reasonable economy. A well-designed and well-planned maintenance can not only avoid financial problems, but also to recoup the costs incurred. And the reference point in this approach is well-compiled estimates. Estimated household income on guard to make a correct estimate, you need a good understanding of the entire scope of work, their specificity and the necessary materials for their performance - not just a list, but the number. So, to be able to properly assess the condition of the apartment or home and know what to do really is necessary, and without which you can do, what materials to use. To calculate all need a lot of experience in organizing and carrying out construction and finishing works. Therefore, the calculation should make performing maintenance staff: contractor or foreman. There are two key points. First, the estimate should be comprehensive, but the final figure - to take into account all costs, excluding the likelihood of unplanned expenses. Specialists are required to keep within the amount that they have fixed, whether it is a complex work or on their individual part.

Quality control of his hands

Repairs to the house or apartment - a complex process consisting of several stages for the implementation of each of which correspond to the respective professional profile. It is not always the result of their work can be estimated "by eye", especially an inexperienced person. How to choose a specialist you can trust the arrangement of their homes, on what criteria to assess the quality of their performance? To answer these questions, we must consider the process step by step repairs and touch on some of its details. Stages of a long journey rather difficult to make repairs without professional involvement. Of course, the "cosmetic" work you can do yourself, but here's capital arrangement or reconstruction of homes made without the help of professionals are unlikely to succeed. In the construction market there are a large number of proposals from both companies, as well as from private owners. The latter makes sense to use only if it is possible to pre-assess the quality of their work, for example - on the recommendation of friends or acquaintances. At the same time, usually limited to a verbal agreement, so timing may be impaired. The number of specialists in private teams is small, so a variety of work, as a rule, perform the same people who are spending much more time. Specialized repair and construction companies always provide warranty work performed during the period of which we can require elimination of detected flaws. When choosing a company should pay attention not only on price but also on the list of works included in the price, terms of their performance and guaranteed quality.

Wooden house: a reasonable solution

The construction boom of recent years has shown that economic, environmental and socio factors play an important role today. As we reflect on the construction of intrinsic homes or cottages, people began to prefer natural materials, llamas, first of all - wood. During the construction of wooden houses can be not only in the flesh, the most daring architectural ideas, but also to create an enabling environment-ing atmosphere. This trend holds both for Russia and for the most developed countries. Wood is one of the main building materials in many countries. For example, in the USA, Finland and Canada, a lot of wooden private houses - 95, 90 and 83 percent respectively. Indicators of Russia is more modest: according to various estimates, from 30 to 40 percent. However, given the similarity in climatic conditions and relatively low cost wooden structures, it is only a matter of time. As the director of "Russian House" Alexei Terekhov, "this sector housing have yet to form-hsia, so the potential is high." According to some reports, over the past 20 years, the volume of domestic wood construction grew by an average of six times mainly due to individual-tion building. As the CEO «Farm House» Taras Nechi-porenko: "If four years ago in Moscow there were only three of the village of wooden houses, vyannyh, then at the moment there are about fifty. Waiting-It turns out that by the year 2010 will be inaugurated 10 million m2 of housing made of wood. " All the prerequisites for this are.

Winter and summer fight with depression can color

In early December, the Moscow school children were allowed to draw on the walls. The unusual master class graffiti on environmental issues was held in the natural reserve "Sparrow Hills". As a result, a gray concrete wall 200 meters pupils turned into a real forest green. Such an event is not only aesthetic, but, as it may seem strange, the therapeutic effect. It has long been known that the winter blues called "greyness" of people surrounding environment. According to researchers, the most cheerful people live in tropical countries with a rich color palette, and the pessimists more often found in northern latitudes. "Perk" will color therapy. "Treatment of color, though not universally accepted therapy, but can not call it false - sure a corresponding member of the International Academy of Psychological Sciences, associate professor of social psychology at Irkutsk State University, Ph.D. Sergey Byshlyaga. - Color Therapy is focused on the emotional sphere of man. It's like music. " A man must surround himself with bright colors as often as possible: indoors and outdoors. "The colors warm colors - yellow, orange, emerald green, red - fill the space with light and warmth. Try to update the palette of your home: buy a bright curtains, cushions, bed linen or simply plates, and you will feel recharged with energy and optimism "- says art therapist Elena Smirnova. For more great effect "paint" you can not just separate parts, but the whole interior, causing colored images to the suspended ceiling or acquiring unusual furniture.

New life for old site

The unfolding financial crisis has forced many residents to reconsider their views on buying a new home. However, if the situation for its acquisition today is not very favorable, one can wonder about the transformation of the old apartment. It does not require a one-time investment of money, but can often achieve significant improvement in living conditions. Anyway, the dream of a new apartment is much nicer in the new comfort. Converting interior space of the old Can I flat do something completely new? Yes, if you do its redevelopment. In carrying out such works are not only technical details, but also a certain course of action, as well as mandatory compliance with certain formalities. Remodelling - an event regulated by law, it is performed on the previously approved sketch or design. Sketch can be avoided if it is a relatively simple operations: permutation of plumbing in the bathroom, disassembly of the lungs (not bearing) walls, the elimination of doorways, etc. Agree on such alterations at the BTI can be yourself, that will cost 5-15 thousand rubles. If the apartment will be the union of the premises (for example, a kitchen with living room), to increase the area of ​​rooms by the addition of loggias, transport and bathrooms, etc., then to negotiate, you must first prepare a detailed project, as well as to gather a lot of additional permits and certificates. Do it all on its own is difficult, therefore, easier to apply to a specialized organization such as architectural office.

An unconventional approach

Windows - a key element of the architectural style of home and interior design. Modern window technology allows to realize a variety of ideas using a variety of custom options for glazing. Subjected to all sorts of changes as a form of windows, and their construction. The result of these transformations we see on the covers of fashion magazines architecture. However, each window has its own non-standard features, details of which can be very helpful to prospective customers. This will help in advance, even during the design house or apartment, to provide the best options of glazing. A variety of forms acquired enormous popularity in recent years, various shaped windows. For example, arched design, which give the house a special nobility and greatly increase the illumination of premises. In addition, such solutions can bring unusual architectural ideas, for example, the total box on two floors. Most often figured windows make PVC, as it is much easier, faster and cheaper. In addition, the flexibility of plastic allows more freedom for the imagination of designers. "Non-linear" structure of PVC are produced and installed in the same way as normal, except for one feature. Because the arch is formed by bending a heated profile in this part of the frame there is no reinforcing metal frame, so the rigidity of its slightly lower. This imposes certain restrictions on the size and configuration of the arch. In particular, the height should not exceed half the width of the window.

Modern materials and methods of finishing more accessible and more profitable

Stretch ceilings are gradually moving from the category of expensive exotic and common way to perform high quality repair or decoration of ceilings with minimum loss of time and effort. This article will help you to understand the variety of proposed materials, technologies and choose the best option finishing ceilings. Advantages over conventional suspended ceilings and plaster "gypsum plasterboard" are obvious - and this is the ideal surface geometry, and absolute uniformity of color, not to mention the speed of installation and minimal amount of debris remaining after application. The undoubted advantage of tension structures is the fact that they do not susceptible to shrinkage deformation and subsidence of buildings, which are particularly common in new homes. Stretch ceilings can save your repair, if the neighbors or the element will flood you with the upper floors. But there are also disadvantages. Basic - this is insufficient strength of stretched ceilings with mechanical damage by sharp objects. If the ceiling on fabric for cuts is just a hole, which can mask the laths or label, then burst PVC films and webs have just changed. However, it is fairly rare cases, remember how often do you having fun, throwing knives in the ceiling and a screwdriver? In general, ceilings are practical, convenient, and very beautiful. There are two main types of suspended ceilings. This is a product of polyvinyl chloride (PVC) films and ceilings on fabric. PVC ceilings are manufactured in Europe for more than 30 years.

Repair of a long-term investment

In the same way as the minds of engineers and scientists excites the problem of creating a perpetual motion machine, mind Other people do not give rest to the question of "perpetual repair." Such that "once did and forgot all." This is especially significant today, when family budgets are literally cracking at the seams, and the prospects for future earnings is very vague. Of course, such a repair - a dream, realize that in practice it is hardly possible. But here's a bit close to it - completely. Will this modern building materials and construction, many of which are able to serve their masters more than one year. When we - the deluge Perhaps we can start finishing ceilings, because here the past few years, a most novel materials and technologies. Everyone knows that the most common solution - painting. it will cost about 2-5 thousand rubles. 20 m2 of surface. However, after about 5 years is a covering, likely to be upgraded. Can be used to trim laminated ceiling tile glue Styrofoam. In this case the square meter will cost about 150-300 rubles. - no more expensive than painting. But the most economical option - special wallpaper. Their use will meet only 50 rubles. per square meter. However, all of the above methods is finishing one thing in common: the ceiling surface requires preparation - putty, alignment, and primer. And if you're not a professional plasterer, then most likely, for this purpose will invite experts .

Frequently asked questions about plastic windows

In the early 90s in Russia is literally "broke" new materials and technologies that have turned our understanding of the construction and repair. Among the most notable new products are energy efficient PVC windows. By the time they have for decades been actively used worldwide as a highly effective way to reduce heat loss in buildings. New windows and loved by Russians, tired of the old cracked frames, which need regular paint and seal up for winter. But, in practice, we still believe a lot of misconceptions about plastic windows. Our fellow citizens are poorly informed about what is a modern window systems and what are their advantages. We decided to gather the most frequently asked questions about plastic windows and asked to respond to these experts in the manufacture and installation of translucent structures. What is PVC and why it is used for windows? "Polyvinyl chloride - a polymeric organic material, a variety of plastics, - said Vladimir Serbin, head of the laboratory" KrasNIIproekt. " - For the first PVC was synthesized as early as 1872 by German chemist Eigen Bauman, but only with the mid-twentieth century, it began to be used for mass production of pipes, window and door profiles, floor coverings, films, cable insulation and many other products. " Such popularity is simple: this material is characterized by low prices, safety and durability. Unlike wood or metal, he is not afraid of moisture, does not warp, rust or rot.

Repairs without extra dirt

Repairs - a thing difficult. His result is usually a feeling of pride and satisfaction, but the process is often intimidating. One of the main reasons for "remontofobii" - tons of dirt, debris and dust that seems to inevitably have to fill your home. However, familiarity with modern technology and decoration using some simple guidelines will get rid of those fears. Outset: absolutely "sterile" means the repair has not yet been invented. Nevertheless, thanks to modern solutions can at times reduce the amount of debris and dust, even during the traditionally dirty work. For example, which replaced the cement, sand and alabaster dry mixture is allowed to prepare a working solution quickly and with minimal water usage. Their constituent binders provide an effective receipt of a homogeneous adhesive mass optimum consistency, after which the application is not dirt and stains. A special additives, including epoxy resin and, at times reduce the time of "setting", and Drying composition. Due to its qualities, dry mix today and spread extremely widely used for the preparation of putty and plaster (in particular, is the familiar and Vetonit Rotband), tile adhesive (for example, Unis), grout (Ceresit, Atlas, etc.), as well as other compositions . When the mixer is not needed if the "dry" technology for finishing the walls already widespread, then as a basis for the floor is still mostly used screed of cement-sand mortar.

ABC of community management

One of the main features of the Russian housing reform - the emergence of independent operating companies (CC) - structures that act as a mediator in the calculations between homeowners and suppliers of communal resources, as well as carrying out of residential buildings. Today on the shoulders of the Criminal Code lays down the burden of all the accumulated problems in the industry. The experience of reform has shown that not every of them copes with its tasks, but there are organizations whose work confirms that a successful business in the utilities still possible. On the morning of the pipe, in the evening money Modern Housing Code requires that the market should remain only commercial MC, competing for the maintenance of apartment buildings. In turn, the owners of premises in such buildings must choose one of three ways to manage their assets: the direct (general meeting), to form a legal entity (HOA) or a housing cooperative or a management company (under contract with the owners). However, in the first two cases, tenants do not have to serve their own home, and hardly possible (in the case of an apartment building). In practice, most often at home services under contract with the owners involved in the Criminal Code. It should be noted that in fact the management company - it's billing structure, carrying out and coordinating settlements between homeowners and resource providers (water, heat, electricity), and selected contractors for maintenance and repair of buildings and engineering systems.

Deficiencies in the new building: to call or be tormented by the builders?

State of the market buildings today is such that the customer as happy as a clam at high tide to get the coveted apartment into a different form. Numerous scandals defrauded real estate investors that have already become "tradition" delay deadlines homes for 2-3 years led to the consumer - when he was still flat yield - prefers "not to watch horse in the mouth." Although the "horse"-in this case is clearly not received as a gift - for him paid for his blood. What are construction deficiencies and marriage, how they can fight - these issues were dealt with reports online magazine about the property Metrinfo. Baptist Ravshan do not know how much it can soothe consumers 'unfinished' apartments, but the "shoals" in the building have always existed. The most famous example - Leaning Tower of Pisa. This case is probably unique in the history of the building when the marriage failed to benefit. It was a right - no one would not know about it! And then turned into a tourist attraction worldwide. You can find more ancient precedents. For example, recent studies have shown that problems arose during construction of the famous pyramids of Cheops in Egypt. Its central part - the "King's Chamber" - supported by granite beams. They found cracks on them, but for a long time believed that they appeared at a later date - after all, 4500 years old house. However, computer simulations showed that the beams sagged when the height of the pyramid was only 120 m (its final height - 146.6 m). Further it is clear without further ado: the scene of the accident came to the chief architect (even history has preserved its name - Hemiun).

Comfort in the flat: how to let fresh air into the house, do not suffer from street noise and not become ill

Residents first repaired the program repair homes happy: it got warm, clean ... But I can not say that they breathed a sigh of relief. Sealed and insulated windows, insulated facades turned into a kind of flat "gas vans". It has become damp, stuffy. By the morning of malometrazhkah - just breathe. In winter, the window is not particularly something and uncover - cold. And tenants roadside homes and would be happy to open the window, but the noise is such that and not fall asleep. What's going on? All the matter in the ventilation system, organized in our homes. The role of ventilation in the present conditions was enormous, and, unfortunately, are still undervalued. Where the wind blows In general, "our" people often are not aware of the principles of communication multifamily dwellings, and often neglect to treat them. We drive to the already-built house - unless we someone explain what and how it should operate? Gas, electricity, water works - fine. "Kids in school need to talk about their environment - that is, about the House, whether residential, whether it's public house. What there is engineering systems, and how to exploit a person to live in comfort, easy breathing, - says Galina Stomakhin, chief of JSC "Mosproject." - We are 90% of his time indoors! If properly operate these facilities, then folding them in climate can cause disease. " A careless attitude to the ventilation systems in residential buildings is fraught with even tragedies. Because only a tightly closed with a gauze of cockroaches air vents in one of the apartments Solntsevo killed a child and adult residents become seriously ill. "It happened due to multiple exceedances of the air a flat concentration of harmful substances (mastic for flooring available): dirt have nowhere to go was," - says the expert.

Building a vacation home: use the summer season, exploring new technologies, heed the advice of experts

Summer - a traditional time for the activity of suburban real estate market. People who have not yet got ready to land or a house, try to do it until very nature "shows good person" - in the green and without snow. Those who is already a happy owner of a country the object, try to use the summer for construction. The fact that both are now on the market, which offer consumers new developers and builders, and understood magazine columnist Metrinfo. Why summer? Summer - the "high season" is not only to sales of "fence", but also for all kinds of construction work. The reasons for this are both subjective (in humans as little more than a hunting go all over the Moscow area in warm weather, and not through the slush and drifts) and quite a objective. "There are two obvious factors, - says Andrey Martinovich, CEO FreeDom Works. - Above zero temperatures and longer daylight hours. " First, according to experts, provides an opportunity to work with any construction materials. Pour concrete, install bituminous shingles, engage external painting of the facades - to do all this in the cold if not impossible, it is much harder and more expensive, and in summer - no problem. Also, heat can do without a number of additional costs: heating huts, winter clothes, a more complicated delivery of construction materials, maintenance of equipment. As to the duration of daylight, it gives workers the opportunity to work longer - and, therefore, perform a greater volume of work per day.

Cleaning of the apartment

To clean the apartment - to perform its quality, and your healthy body will always be a healthy mind! No one will argue with the fact that the cleaning of the apartment is not easy and tedious. On this you can say any housewife. Do not have time to wipe dust from furniture and vacuuming, as all need to start over. A garbage, because it accumulates so quickly. Well, if you live in an apartment a large family with children, and even pets such as cats or dogs, then cleaning becomes more and more often required to carry it. After all, allow the accumulation of dust in the corners and flat under the furniture can not be because it's not only aesthetically unappealing, but also provokes attacks of allergies that are caused by dwelling in clusters of dust mites. Of course, clean the apartment, especially if it is large it is difficult, but it is a necessary sanitary and hygienic procedure. To help people in the cleaning of homes, comes a familiar household appliances like an old friend of the vacuum cleaner or the latest scrubber. Using the latest, to help save time and greatly facilitates the work. Modern scrubber technology can be successfully used for carpet cleaning and polishing the floor. A multi-functionality and compactness of the household equipment makes it extremely attractive for acquisition. When cleaning use all possible detergents. The range of household chemicals is very wide and varied. Some of them are designed to clean dust and dirt from glass surfaces, while others are suitable for furniture made of wood, etc.

Free insurance transaction: real estate tricks or warranty for home buyers?

This year, just two major players of the market realtor said about news relating to insurance. Earlier this year, "MIAN" together with the insurance company (IC) "ROSNO" has launched a program of insurance of all transactions in the secondary market of Moscow. In May and June, the program branches connected "MIAN" in Kazan, Voronezh, Ufa, Chelyabinsk, Tver. And in June on a similar program (also in conjunction with "ROSNO") today announced the company "NDV-estate" - the insurance cover applies to all purchased with the help of an apartment, not only on the secondary market, but also in new buildings. What is the cause of sudden interest in real estate to insurance, that will come out of this - with such issues were dealt with magazine columnist Metrinfo. Little or a lot? Actually, the question should not put the "why real estate companies interested in insurance?" And "why they did so late?". Title insurance (ie protection is not physical, such as fire or flooding, and legal risks) - widespread throughout the world measure. Participation on the acquisition of real estate insurance agent in the West is as natural as a realtor or lawyer. And we? According to that shared with us a press service agency "MIAN" in 2009 in Moscow service title insurance through real estate agencies have used less than 1% of home buyers. In absolute terms - no more than 150-200 policyholders. Among the reasons for this state of affairs is traditionally called the mentality of people - our people, they say, did not trust the SC, do not understand why they should pay the money "for nothing." "Try," and then do insurers: visited recently, one of the forums on the Internet, this author found a lot of interesting stories on the theme "Insurance should pay, but does not do it."

Muscovites flee from the heat, renting a house in the country

The demand for holiday homes in the suburbs grew by a quarter - and this is only the first two weeks of July, analysts have estimated the portal "Gdeetotdom.ru." Now, according to them, in the proposed 730 homes - a 24% lower than in June. Especially prized objects in bodies of water. The excitement helped the owners of such real estate to raise prices. For example, a 10-kilometer zone from Moscow the official average monthly cost of the lease is already 176 000 rubles. (Plus 3.4% for the June index), 30 km from the ring is equal to 127 000 rubles. (+ 4.6%). Those who are able to go to Moscow for 60 km, can expect to rent a house for 70 000 rubles. (+6.2%). Settle in the country on the 60th kilometer of the capital can be 20 000-50 000 rubles. a month. According to Olga Bashtanovoy, head of the suburban real estate lease office "Sretensky" company "Incom Real Estate", with the coming heat wave in the capital of its residents to quickly seek refuge outside the city. Lucky for those who cared about it in advance and signed a lease in the spring for 3-5 months and then six months or more. Those who are busy looking for suburban housing for the remainder of the summer, now can not find a suitable option, as landlords willing to rent a house for just one month, almost none. And those that have, or offer unattractive options (with facilities in the street, without protection, away from water) or by a sufficiently high price. Actual offer - it's not too little liquid remains, 80% of people rented cottages ahead of time, back in March - April, agrees Konstantin Kovalev, Managing Partner at Blackwood.

Homeowner can be evicted for public debt

A bill on improving the management of apartment buildings, before leaving on vacation to the deputies did not have time, deferring to the autumn session. And perhaps for the better, as some provisions of the instrument caused heated debate and professionals clearly need improvement. The bill is important and necessary moments, said yesterday the deputy Galina Khovanskaya. For example, it eliminates the difficulty in changing the "power" in the house. Today, if, for example, tenants, property owners banded together in partnership and decided to change the management company, the standard is a situation where "of delayed" house manager mends all sorts of obstacles, does not provide accounting documentation at home. The amendments provide for liability for such fans put a spoke in the wheel. It is also widely homeowners faced with the fact that they get a "house manager" reliable information about its work, the calculations on the cost of services, work plans at home and so it is simply impossible. The bill would give property owners into the hands of a serious "stick": managers who are "filtered" information and thereby mislead people, now threatens to do a crash with the market - the court may deprive them of their right to engage in professional activities. At the same time most controversial item in the bill (and it has already attracted attention and aroused heated discussions) - the proposal to toughen the penalties for the worst defaulters for public services including the possibility of eviction from their own homes and billing meters freed up for sale.

Spend to save

Own spacious house with a garden and vegetable garden - dream of many Russians, yutyaschihsya cramped and stuffy city apartments. But when overcome all obstacles to the desired housing in the open air, the house was bought or built their own hands, it turns out that the content of its leaves for a pretty penny. And one of the most expensive items of expenditure (well who would have thought!) - It's heating. What kind of sums we are talking about? Consider, for example, the average individual house is 150 square meters. m, located in central Russia. The heating season in this climate zone lasts up to 7 months. During this time, the cost of heating with wood, LPG, diesel fuel or electricity will be from 40 to 75 thousand rubles! However, if carried to the house gas line, pay for a "warm winter" will have much less - not more than 7-10 thousand rubles. But the gas network is not everywhere, and non-recurring expenses for the gasification of the house may reach hundreds or two thousand. Thus, much of the family budget that could be usefully spent annually flies "in the pipe." To deal with such waste can and should be! This is now the subject of many publications, which are advised to conduct a deep modernization of the heat at home, warm fronts and roofs, etc. Alas, this is certainly useful work rather expensive. We also consider the measures with relatively small investments FINANCING can significantly reduce the heating costs of a private house. Automation on all sides to get started is to raise such a way of reducing heating costs, as the optimization of systems of autonomous heating homes.

Bath trouble

Infinite love Russians for a couple of hot healing has long been a byword. A Russian bath acquired the status of an integral part of our culture. From time immemorial, to develop the land begins with the construction of the bath. Here and washed, and treated for ailments, and gave birth, and while the house was built, it became a temporary haven for the whole family. Nowadays, the tradition of classical Russian baths do not live only in remote villages, but in most modern cottage communities. Moreover, they are actively supplemented by foreign borrowing all sorts. A lot of the owners of country houses Acquires own Finnish sauna, Turkish hammam, Japanese ofuro and with the most incredible designers construct their hybrids and combinations. Modern materials and technologies also bring fresh ideas to the ancient procedure, not diminishing their therapeutic effect. In this connection it is interesting to see what trends in the construction and arrangement of saunas are now the largest response in the hearts of the inhabitants of cottages and summer homes. Classical and Modern When we hear the phrase "Russian bath", before the eyes immediately appears an archetypal image: on the picturesque banks of the river or lake is a stocky frame, pyatistenok with small windows and a gable roof. It is these buildings were built hundreds of years in the Russian villages. Ironically, in this age of glass, steel and concrete, many Russians would like to see on your site do not build a brick or foam blocks, and the old-fashioned, out of logs.

Surprises of a new home. Endure the discomfort of home, but we get a modern housing for less money

It is well known that the existence of a person who has bought an apartment in the building, in the first years of not really improved. There is the fact that the whole is called a "streamlined life." What exactly these problems are, and whether anything to them about it - the answers to these questions are looking for magazine columnist Metrinfo. Under the sign of "ne". Punch "Life on factory whistles" - such lofty words began one of the books of Leonid Brezhnev, in his time must read. People today, thank God, the factory whistle a little familiar, but here is the existence of inhabitants in buildings with something like: A new day begins for them with the roar of the perforators. "Most of the apartments in new buildings are sold without finishing, and, of course, begin massive repairs - says Peter Vasyutik, deputy director of the agency Great reality. - The speed of the work are different. Then the fun begins: the part of the tenants have settled in new homes, and other repairs still underway. " The most obvious disadvantage afforded by repair - this is noise. But not only. First, always turn off the water and heating. When any of the apartments or plumbing change the battery, the appropriate communication overlap. Frost on the street or not - this kind of question usually does not matter. As a result, residents of apartments above and below (ie, those with common risers) are forced to go without water and heat. Sometimes for several hours. Second, a serious risk represent many workers - as a rule, the "guests" from the southern republics.

Housing will insure forcibly

In Russia, may be compulsory home insurance against fire, in any case, the views is information that the government is working to prepare amendments to the legislation. Experts believe that there is a chance to make a massive voluntary insurance of apartments and houses, and today's efforts - this is just the first step in this direction. The fact that Russia could return to compulsory insurance of residential fires, President Dmitry Medvedev recently at a meeting on the financial sustainability of agriculture. "Now I'm waiting for proposals to change existing law regarding a possible return to the construction of compulsory insurance against fire," - he said, recalling that of compulsory insurance of property against fire had to be abandoned because it was "believed to be not quite in the nature of insurance as a voluntary commitment. " Dmitry Medvedev believes that the insurance housing in rural areas should be massive. "It turns out that some pretend to insure, and others - that pays compensation in case of force majeure," Recall that the criticism of the current system of insurance was made president in late August at a meeting on the development of insurance market in Russia. Insurance should not replace state aid, and called it, while the government to eliminate the impact of fires this summer has provided billions of rubles. At the end of summer fires was that of the burnt houses were insured for only 15% (for the whole country covered by insurance, only 10% of real estate).

The new bill will allow property owners to evict for utility debts

State Duma Committee on Civil, Criminal, Arbitration and Procedural Legislation proposed to take up the House bill, which will severely punish those home owners that have become chronic debtors and regularly do not pay for communal. The problem of delinquent rent is very serious. Often, people ignore the years of receipts for utilities. With such debtors now easy to understand if the apartment is on municipal property. For non-payment within a few months, you can get a subpoena and to lose the usual housing. Instead, get a room in a hostel "in health standards." And the situation with debtors - apartment owners has not been solved so far. The law prohibits eviction for nonpayment of those citizens who have a house - the only one. This rule has an exception. Court allows to select for the debts of an apartment if it is the only, but was taken on the mortgage. Incidentally, this is the norm, according to the authors of the law, has significantly reduced the risks of banks. The new bill regarding the debtor - the owners of square meters. The document number of important points for those in particular who is or will be included in HOA - Homeowners. A debtor will be useful to read the position paper regarding the eviction of those who forget that public services cost money. Bill wrote deputies and in the explanatory memorandum stressed that the inability to fully collect the fee for the maintenance and repair of common property and utilities - is not just a sore point.

Air conditioners are working illegally

Agree to install them in the capital several times more expensive than buying the device itself. On the "sleeping" laws of Moscow - to bypass the middlemen are not almost impossible, but to become a violator simply - "Izvestia" wrote repeatedly. This summer, under one of these were thousands of citizens, urgently, often with large overpayments have established in the midst of heat, air-conditioned apartment. Hanging beneath the window of the iron box in the capital is equated to the facade and reconstruction of houses, like any redevelopment of this kind requires approval. Thus the cost of matching times more expensive of the air conditioner. So that heat can be a small problem compared to the ability of future troubles - an illegal punishable by a fine installation and dismantling of equipment. In the south-eastern branch Moszhilinspektsii people virtually none. Help on the stand trying to find a list of documents required for the installation of air conditioning. To no avail. - Air conditioning refers to the coordination of complex redevelopment apartment - comes to the aid of a consultant from the "single window". - Are there many applications served to legalize conditioners? - Are interested in inspecting officer. - Ask a lot. Organizations that operate at home, require landlords to show permission to air conditioning. If the equipment is installed properly, its noise can interfere with the neighbors, and condensate - drip on window sills or other tenants destroy the facade of the building. The official term for consideration of applications for the installation of air conditioning in Moszhilinspektsii - 45 working days.

Warm balcony

Put on the balcony lounge chair, plant flowers or loggia equipped with a studio - this is the dream of many Russians today. Fortunately, the market for modern construction materials can translate this idea into practice. But the "modernization" of the balcony is not as straightforward as it might seem at first glance. So before you start it, it is necessary to weigh the "pros" and "against" to analyze the costs and complexity. "To carry out refurbishment balcony at any time of year. But it is better to do it in dry weather at positive temperature - advises Julia Mikhailova, a leading specialist in architectural and construction of "Art de facto." - Damp and cold have a negative impact on the quality of building materials used in the repair and decoration. " It is worth noting that, according to statistics, in the winter in the old panel houses a significant portion of the heat (70%), "goes" it is through the balcony and "warms" the street. In this case the insulation will save an apartment balcony from the cold and will be a step towards reducing heating costs. So, let's step by step look at how to "transform" ordinary balcony into an oasis of comfort and warmth. Starting step for the conservation of heat as one of the priority measures, many experts distinguish glazed balcony. Indeed, through the window is "lost" 40% of the heat that would warm the tenants. Today's construction market offer window systems made of different materials - wood, aluminum and PVC. What are their advantages and disadvantages? Modern wooden windows do not solid wood, and of laminated veneer lumber.

Not enough money? Mortgage can wait

Entered into a loan agreement for the mortgage, the borrower is always thinking about the good - the new home, cares about pleasing arrangement of the house. The bank just in case expect the worst and are assessing how to get your money back if the borrower fails to repay the loan. Such is their job. If you do not protect themselves from possible risks in a crisis situation the bank will have no money, and his staff - a job. That's happened to fall in the U.S.. Anyone who takes the credit, is not immune from trouble or misfortune. You can get into an accident, be laid up with heart attacks, to be in hospital for several months, become disabled. Clearly, in such a situation, not everyone will be able to withstand the schedule of payments on the loan. And irreparable happens: people are killed or dies for any reason. His family is left alone with the bank in which laid flat. Road insurance unfortunately these cases are very tragic, but at the same time the least problematic in terms of consequences, because it is such a situation provides insurance that the borrower draws simultaneously with the credit. Payments are made on it mostly in favor of the bank. Only if the balance owed at the time the insurance reimbursement is less than the amount of on-the premium, the difference will be given to the borrower. In case of death or disability (or very long term) insurance company agrees to pay the bank the remainder of his debt or portion of this debt (if the disability is found to be temporary, and after some time the borrower will be able to extinguish the loan itself).

Mortgage: a step forward and one step back ...

Despite the many problems inherent in the domestic mortgage market, last year it could not be called inert. The crisis in the mortgage market, the U.S., has come to Russia, as well as high real estate prices did not prevent the banks give borrowers is 1.5 times more mortgages than in 2006 in the first half of 2007, the mortgage market in St. Petersburg has developed quite actively. Relative price stability and steady demand for housing has led to many banks have stepped up work on mortgage schemes, slashed interest rates on loans, eased the requirements for borrowers, expanded product lines. By the end of last summer, the city banks have issued about 11 thousand mortgages - as many have been issued for the entire fall of 2006, many banks offer mortgage programs that have had to tighten the requirements to customers and to increase rates. Since the Russian crisis affected the field of the mortgage market in the U.S.. Thus, 2007 was for the banks under the sign of the struggle with reduced flow of requests for potential borrowers and simultaneously to improve the quality of this stream. Optimistic statistics last year at St. Petersburg's mortgage market, the experts noted some positive trends. Today in St. Petersburg, the proportion of transactions involving mortgage funds is about 10% of the total number of transactions of sale of real estate. Compared with 2004 this had risen almost five-fold. The average size of housing loan at the beginning of the year is 2.5 million rubles.

Mortgage in Russia: Golden Age or the beginning of the crisis?

At the disposal of the PRIME-TASS have been recorded on the number of mortgage transactions in 2007 to market a secondary property in Moscow according to the FRS. Yet in the service of neither confirm nor deny the figures could not. Or would not? Nevertheless, the fact that, besides the usual data on the amount of the mortgage market the Russian public for the first time in public can look at a mortgage from a different perspective - is an event. Although Mosregistratsii referred to the fact that this data is for internal use only, and later the agency received their confirmation in the department of housing policy and housing in Moscow. What are the results of 2007, mortgages for real? Of course, the analysis of quantitative data should be aware that the volume of loans are rising. This is evidenced by reports of some banks as well as the message "HMLA". But the aggregate data collected not just because Not all banks are working with AHML, and the time taken to receive the data on each bank, can be calculated for months. Even if the FRS to agree when to report data on mortgage amounts, to operate these figures are unlikely to be possible, as all sales transactions conducted through the cell. A sum in the cells are clearly superior to those indicated in the documents. "The main reason for this can be called a global liquidity crisis when Russian banks, heavily dependent on foreign funding, have closed their mortgage programs and went to the Moscow of the mortgage market", - said Head of Retail Lending Bank "MIA" Igor Nagorskii.

About the "marriage" with the real estate mortgage

Home of the Year 2008 was held in the Russian real estate market under the sign of the mortgage. Many banks have offered their program, and very interesting. And it is clear that the real estate market is now entering its next phase, when its development will determine the mortgage. In the distant past go controversy that affects whether a mortgage on real estate market, with its then-negligible fraction, if affected, how? According to different market participants cited in the press at the end of last year, the share of mortgages from 15 to 40%, and some participants even estimate it at 50% of all purchases. Each, rather, judging from my own experience, but it is clear that we are dealing with a new force and major provider of real estate market impact far greater than in 2006. Then, I remind you of theories as to why the market suddenly soared so dramatically, there was also this: mortgage buyers in search of the apartment created additional demand for their calls, inquiries, and thereby stimulated to raise prices. The real deal was not enough. Version is more than doubtful, and last year it rejected: mortgage buyers was much larger, and prices were falling rather than rising. This is just one episode in a recent outbreak (by the standards of history) in the Russian history of the "marriage" of finance and real estate, which have different origins, but that without each other, not to live. Prior to AMD that take place in foreign markets, they are still far away, they still really do not have time to get married, not that smack each other commitments and time to break them all ... And about the scandals in the noble family has not yet been heard.

4 errors when buying new construction mortgage

Technology apartment purchase on credit, especially in a newly built house, in some ways similar to the work of the miner, step right, step left - and with the purchase you can say goodbye. "Owner" asked the experts about the most common mistakes along the way. The main problem is probably that the federal law № 214 "On Participation in the shared construction of apartment buildings and other real estate" is not working fully. Therefore, having received approval for a loan at a bank, you can not buy an apartment in any house under construction. However, many borrowers do not know about it and admit serious errors, which entails a loss of money or time (or of both). How to avoid these pitfalls, experts will tell. When experts talk about Non-law, it is understood by this that the sale of this law is not actually implemented. The problem is that the entire package to prepare documents for the facility in accordance with the above FL Few developers can, and implementation of new buildings is on the high-risk schemes such as promissory notes. Because of the significant risk that the house will not be completed or that the ownership of the borrower to the apartment will not be formalized, banks declare that not make loans on such objects. However, the new building to buy on credit is still possible, just do not violate established in the Moscow market technology purchases. What is often mistaken buyers? Error One: The new not accredited by the bank is the most common mistake borrowers. Man sent to one or more credit institutions is necessary documents and receive approval for a loan.

Promise mortgage business

Will the business take advantage of the mechanism mortgage when buying a commercial property, including offices, warehouses and so on? On this question tomorrow will answer the deputies considered the draft law amending the law on the mortgage. The bill proposes that article 77 of the Law "On Mortgage (mortgage)" in the new edition, particularly by extending the mortgage houses and apartments for the mortgage non-residential buildings and premises. The authors of the bill argue that a law will help create an efficient mechanism of lending to small and medium businesses to acquire real estate. For it is proposed to establish a mechanism for objects uninhabited purpose of the kind provided by Articles 61.1, and 77 of the law on the mortgage. Recall that these articles state that the objects of housing and land that are purchased with borrowed funds, are deemed to be pledged with the lender after the state registration of ownership of the borrower to the appropriate property. With respect to the non-residential buildings, structures, premises, such provision of law is absent. Law enforcement practice, the authors say the bill is on the way of non-expansive interpretation of the provisions of the above articles of the law of mortgages and, accordingly, does not recognize the possibility of a pledge in favor of a credit institution under the law when purchasing a building, structure or non-residential premises at the expense leveraged lending institution.

How to choose an apartment on the mortgage

Even if you overcome all your fears and doubts, went to the bank for a mortgage loan and even got the approval, it does not mean that the apartment will be bought on credit. Quite a lot of cases, when the deal breaks down, for example, because the bank does not approve of your chosen apartment. How can this be avoided? After receiving approval from the bank for a sufficient amount of the loan, borrowers will go to see the announcement of the sale of apartments on the secondary market (for self-purchase is necessary to make sure, when working with the agency - probably in an optional order, but will also have to). Only at this point people realize that to find an apartment, suitable for buying on credit is not easy. In addition to their own wishes, the borrower must take into account those requirements that banks and insurance companies push for property transferred as collateral. These requirements can be divided into two categories: technical and legal. Technical requirements for credit institutions differ in more than legal. Requirements for building start from the ground, what would have to pay attention when watching ads - with the location, type, age and number of storeys of the building. Stipulate that we are talking mainly about the Moscow region. Housing should be situated in the city or within 50 km of it. The house should not be in disrepair or be registered on the formulation of major repairs, demolition or reconstruction of relocating. The Bank does not endorse the apartment, located in apartment buildings, barrack-like (though hardly any of the borrowers hankering for such housing) and home of the "hotel" and "community".

Hostage loan

When you contact the borrower's mortgage to the bank for a loan bankers carefully assess his credibility. But the happy owner of your own apartment or home has the right to expect special treatment from the bankers. Mortgage loan he can get at more attractive rates. With the pledge of more and cheaper Bankers do not hide the fact that the conditions for consumer loans secured by real estate favorably with those of an unsecured loan. "This is due to the fact that, given the lower level of risk, the bank can issue a credit to the client for a large sum for a longer period and a reduced interest rate" - explains the deputy chairman of Absolut Bank Oleg Skvortsov. "If we compare the non-earmarked loans secured by real estate with our consumer loans, the interest rates on loans to non-target a little lower, but its terms are substantially different, - the director of marketing and merchandising UniCredit Bank Sergei Tropin. - Loans secured by an apartment on credit can be issued up to 10 years and spend the money for any purpose at the discretion of the borrower. A consumer credit we give up to five years. And there is one major difference: The maximum amount of loans to non-target much more - up to $ 100 million or up to 2.5 million rub.. " The annual rate GE Money Bank mortgage range from 10.9 to 12.2 per cent per annum and the loan in cash - from 17 to 25 percent per annum. But in this case, the bank must require a certificate of the official income of the borrower, while loan with cash, it is not necessary.

Mortgages: in search of legal purity

At what moments bank notes, studying for an apartment mortgage lending, "owner" told last week. Continuing the theme, tell you what the requirements of the bank to legally clean the apartment. The first and most important condition - the apartment should belong to the ownership of the seller. The second - the bank will not allow to conclude transactions between close relatives. If the owners of the flat is minor and incompetent persons to conduct mortgage transactions (as well as any other) "necessarily requires the resolution of custody or other organizations. If such permission is obtained, then the presence of minors and disabled persons among the owners of the apartment is not an obstacle for the loan, "- says Oleg Skvortsov, Deputy Chairman of Absolut Bank. Another issue that a permit - a separate bureaucratic procedure. Real estate at the time of the sale should not be in the use of third parties, including under a lease agreement or lease. Exception - if the collateral for a registered encumbrance, and the client has provided documentary evidence of the possibility of its removal with the simultaneous state registration of the pledge in favor of the bank. In the documentary history of the apartment as legal documents should not be a judicial decision, which appeal period has expired. The apartment must not be under arrest, as well as be subject to claims of third parties.

Bankers are dissatisfied with the decision to cancel the life insurance YOU for your mortgage

Banking community has expressed dissatisfaction with the decision of the Supreme Arbitration Court, which in turn invalidated the mandatory life insurance for a mortgage loan. We recall that on 25 January this year, a panel of three judges of the Supreme Arbitration Court refused to hand over to the Presidium to review the case Amur Mortgage Agency, a division of the Agency for Housing Mortgage Lending (AHML), loser of three courts Rospotrebnadzor the Amur region. Thus, the EAC decided in favor of consumer protection. Determination of EAC in the case of Board is final and can not appeal it. Interviewed representatives of the banks active in mortgage lending, strongly opposed this decision. According to the Managing Director of the block "Retail Business" Bank of Moscow Alla Tsytovich, life insurance in the world is now a universal standard. "Together with our clients suffer from this decision, and the banks, as in this case, the bank has additional risks, increases risky component, respectively, will rise and mortgage rates," - said A. Tsytovich. According to a board member of City Mortgage Bank Michael Busygina, the legislation has created yet another obstacle to the development of the residential mortgage market, while the state sets the task of issuing 1 million of mortgage loans in 2010. "This will be possible only if the formation and functioning of an effective market for mortgage securities, which we still in the embryonic stage.

Mortgage organizations are afraid of failure

Mortgage credit institutions in Russia fearful crisis erupted in the U.S. mortgage market. They call to protect the Russian market, in order to avoid defaulting on mortgages. Over the past five years the volume of mortgages in Russia increased 73 times, but the penalties on these loans was not more than a tenth of a percent. While, in the opinion of the community, the Russian legal practice is not ready for the challenges of the mortgage market. Over the past five years, the volume of mortgage loans increased by 73 times. The volume of loans amounted to about $ 25 billion, or about 600 billion rubles. The number of penalties on him in 2007 did not exceed 700, whereas it was issued approximately 400 thousand loans. "Banks will survive stressful time, but they want to be sure they will get their money back," It would seem that there is no reason to worry. However, participants in the mortgage community concerned. "A few years ago, defaulted mortgages seemed theoretical problem, but last year showed that we, Russia, repeat the path of other nations. More than 1 percent of mortgages were Defaulted, though not all require the eviction, "- said the president of the board of the National Association of Mortgage Market Participants, Vladimir Ponomarev. The seriousness of the issue and said the vice-president Valery Kazeykin MAIF. "The West mortgage crisis has arisen because of defaulting mortgages, - he explained. - People could not pay on time with the banks, because the terms of the loans were not adequate to their level of financial support and market development. " But in Russia, above the requirements and standards of the Agency for Housing Mortgage Lending (AHML) harder. "In Russia, too, began to provide loans with no down payment and confirmation of income, but when the Western market showed what it could, such programs have been phased out," - reminded Kazeykin.

Trends and prospects of the housing and mortgage markets in Russia

The largest non-bank refinanced the company "ATTA Mortgage" summed up the development of housing and mortgage markets in Russia in 2007. The housing sector continues to be one of the most important and, unfortunately, the problem areas of the Russian economy. The mortgage market in 2007: state of the mortgage and housing markets in 2007 in the wake of the liquidity crisis the fall of interest rates to a halt. Previously expected market liberalization (reducing down payment, reducing the list of documents required for the acquisition of real estate, reducing the time for consideration of applications for loans, etc.) delayed by at least a year and now depends on the requirements of investors. Thus, growth in the number of transactions involving mortgages, has slowed. The amount of transactions with borrowed funds in 2007 amounted to slightly less than 1 percent of projected GDP. According to optimistic forecasts, in 2010 this figure will rise to 2-2.5 percent. "These figures allow us to two important conclusions: first, that the Russian mortgage market compared with other countries is now at zero, and, secondly, most importantly, the development potential of his very high. Mortgage in Russia, despite all the difficulties encountered, continues its development ", - summed up the general director of" ATTA Mortgage "Alexander Chernyak. Problems and prospects of current market conditions continue to make the company the creditor to tighten requirements for borrowers and collateral. Nevertheless, despite the current market situation, the urgency of the mortgage as a tool for solving the housing problem in Russia, no doubt, and a return to the stage of intensive development of mortgage lending and refinancing loans - this is only a matter of time.

Inflation against the mortgage

The Central Bank - the first time in several years - raised the refinancing rate. Direct impact on the mortgage market, this measure will not, however, experts believe that the Central Bank thus warned financiers: easing in monetary policy should not wait. The refinancing rate increased from 4 February to 0.25 per cent. Characteristically, the week before the leaders of the U.S. Federal Reserve announced a reduction of interest rates immediately by 0.5 percent. Economists believe that the "bear campaign" encourages the growth of consumption and the economy as a whole (for that is often necessary to pay off high inflation), while the rate hike is aimed at reducing the money supply in circulation. The fact that control of inflation - one of the main objectives of the Central Bank recently announced the Central Bank first deputy chairman Alexei Ulyukayev. (Actually - especially given the increase of salaries to state employees and pensions.) However, this strategy may create additional liquidity problems: in other words, if some banks run short of money, securities, of course, will come to their aid. But borrowing from main bank in the country now will cost more. In addition, from March 1, changing reserve requirements. In particular, banks are required to keep the Special Account 4, and 4.5 percent of the amounts drawn on the deposits from the public. According to experts, from the bank circulation, thus, will be displayed from 20 to 40 billion rubles. Managing petersburg-sky subsidiary Absolut Bank Vitaly Demidov believes that the subprime segment of the measures stated securities that are not directly affected by the "main regulator, thus indicating that the refinancing rate close to the level of world figures, and nothing more."

Mortgage insurance in 2008. become one of the fastest growing insurance products

The situation in the mortgage insurance market discussed at the round table in the Agency Business News on Thursday, February 7. Experts estimate that by the end of this year, premiums for mortgage lending will increase from 3 to 4.5 billion rubles. Along with the growth of bank loans will also increase fees for mortgage insurance as well as buying an insurance policy is a prerequisite for obtaining a mortgage loan. At the end of 2007, premiums on insurance risk mortgage borrowers is about 2.5 billion rubles. "Mortgage insurance this year will be one of the fastest growing insurance products", - thinks the representative SC "Russian World" Marina Bogdanova. The vast majority of mortgage programs include three types of risk: title insurance property, life and health insurance and the borrower's property to be acquired. "Property insurance, life and health of the borrower - the mandatory conditions of the loan. Title insurance - risk of loss of ownership of real estate - gradually fades into the background. And some banks will not need this type of insurance," - said director of sales from the "Region" Michael Mezhenik. According to him, the cooperation of banks and insurers have recently begun to develop more actively: "Banks are moving away from a narrow range of accreditation and insurance companies are beginning to take certificates of different companies." The expert believes that the development of cooperation between banks and insurers primarily benefit borrowers. "Companies entering the competition, are forced to offer more attractive and interesting for the customer's terms," ​​- said M. Mezhenik.

Mortgage rates will rise in Russia is inevitable, but only slightly - the experts

The cost of mortgages for the citizens of Russia in the current year will inevitably increase due to the crisis in international financial markets and the growth rates in loans to banks, according to analysts polled by RIA Novosti. U.S. mortgage crisis that erupted in August last year, has led to serious financial problems in the world. Many major international banks and investment companies have suffered significant financial losses, in particular, because of unsuccessful investments in mortgage-backed securities. These institutions have begun to reconsider their investment strategy, withdraw funds from riskier assets, including developing countries, to minimize the amount of new investment. The international market for corporate securities such as Eurobonds and bonds issued in securitizations, was closed for most issuers. Many Russian banks and companies are having difficulty refinancing. Hardest hit by the federal and Moscow banks middle managers, whose main part was planned to create liabilities due to foreign loans. Get these loans, they were either in principle, impossible, or their price is significantly different from that proposed. Could raise funds only by large state-owned banks (Sberbank, VTB, Gazprombank), or banks with foreign participation, and those whose parent companies have not experienced difficulties with the money. With the increasing cost of money and the difficulty in obtaining them, "a number of banks tightened requirements on borrowers or increased mortgage rates, and some even abandoned this product," recalls director of retail banking products, "Absolut Bank" Emil Yusupov.

Index Fosborn: the best rates are rising again

The leading mortgage broker in Russia "Fosborn Home" calculated the index Fosborn - weighted average of the best offers on the mortgage - the January 2008 result - the weighted average mortgage rates increased. They have not yet reached the level of November 2007, but in comparison with December, when it registered a decline, have increased in absolute terms by 0.06 per cent in U.S. dollars and 0.16 per cent - in rubles (details in Moscow). Index Fosborn made in the Moscow region, 9.96 percent in U.S. dollars and 11.48 percent - in rubles. In Fig. 1. Dynamics Index Fosborn in January 2008 (Moscow and Moscow region), as expected at the end of 2007, January was marked by fairly large-scale adjustment of mortgage programs, and changes have affected all areas of mortgage: the primary and secondary market lending suburban real estate and mortgage lending . This happened because the banks knew - in the near future expect to end the liquidity crisis and stabilize financial markets is not necessary. Banks are obliged not only to seek resources for the continuation of the lending programs of the population, but also to protect themselves from potential losses. Thus, the rates increased following credit institutions: VTB-24, City Mortgage Bank (GiB), Russian Mortgage Bank, Uralsib, the Moscow Bank for Reconstruction and Development (IBRD), RosEvroBank and Bank of Moscow (several programs). The average rate increase was 1 percent. Recall that the index Fosborn for several months, from August to November 2007, showed growth rates that was explained in the first place, a general increase in mortgage rates due to liquidity crisis.

The future of the mortgage market determine the "crisis" borrowers

The mortgage market in major changes brought about as the mortgage crisis in America, and the January stock crisis. What are the borrowers in the current troubled times can rely on credit, found "owner." "A number of borrowers who were quite interested in the banks in early 2007, now can not count on getting credit," - said at a news conference controlling unit director "Retail business" of the Bank of Moscow Alla Tsytovich. Basically it refers to the businessmen, as well as to people with unverified income. The head of the company "Fosborn Home» Vasily Belov said that in the autumn of 2007 tightened underwriting and potential borrowers to the banks began to scrutinize. "Currently, the market for more stringent requirements of banks to the quality of borrowers checked all the data" - the head company of mortgage center MGSN Mikhail Romanov. "Banks today are interesting borrowers with fully verified" white "or income with most of the" white "income, good assets" - describes the tendency Rzayev Christina, director of sales NBIK. "Salaries are not keeping pace with prices, so the circle of buyers" from scratch "has been steadily shrinking," - adds the Deputy Director General of "National Realtor group» (NRG) Alain Kiprielova. Another important trend is the beginning of 2008 - increasing the down payment. "Significantly reduced the number of programs with no down payment," - says Vasily Belov. Many banks have increased the size of the borrower's down payment from 10 to 20-30 per cent, notes Alain Kiprielova.

Mortgage for a free artist

In recent years, many experts have freelancers: they are not registered in the state of a company and earn a one-time orders. Income for free bread can be quite sufficient for obtaining a mortgage loan, but there is a chance to prove it to the bank? Monthly earnings of remote workers sometimes even several times larger than the salaries of professionals that are prepared in the state. The catch is that, as a rule, employers do not support their relationship with the freelancer in the workbook. The contractual relationship is not always drawn on paper, do not pay taxes. The money passed from hand to hand or through electronic payment systems. It turns out that there is no official confirmation of employment. Meanwhile, lenders impose strict requirements for employment of the borrower. Among the documents that must be presented to the bank to pass underwriting, a copy of the work book, its the same borrower is required to regularly provide throughout the loan term. According to Andrew Trutko, a specialist mortgage brokerage division of "Credit Max," "as a rule, banks are very selective work with such clients, and some do not work at all. The absence of a potential borrower's employment record indicates that he is not employed. " In free-swimming mostly go by representatives of professions that are not associated with a permanent presence in the office of the advocate, programmers, designers, journalists, translators, photographers, artists, and artists.

Mortgages: rates rise, the nuts are twisted

The life of the mortgage come unsweetened times. Recall that in January there were two notable and not very pleasant event. First, the central bank acknowledged that the liquidity situation does not matter: because of the crisis in global financial markets, our banks, occupying low-cost funds in the west, or have lost this opportunity, or they will accrue money on more stringent conditions. Secondly - The Supreme Arbitration Court ruled that banks can no longer require the borrower to insure his life. Bankers said they then have to raise rates. Internet Journal of Real Estate has decided to ask Metrinfo mortgage market professionals about how to affect the mortgage rates of a liquidity crisis and a decision on the illegality of EAC requirements to insure the life of the borrower. We asked the experts the following questions: 1. Due to what the banks will join "their coffers" - will draw funds from the public, will develop a secondary market for mortgage-backed securities? 2. Will the domestic ruble mortgage because of credit difficulties in the West? 3. Will increase if mortgage rates for these reasons - financial crisis and the solutions YOU? 4. Will the tightened requirements on borrowers? Banks will be released to the world standards Ilya Zebari, the head of the block, "Mortgage loans" Alfa-Bank: 1. Banks strengthen efforts to attract private deposits, raise interest on deposits. In addition, renewed efforts to sell mortgage portfolios. 2. On dollar loans is likely rate hike, it is connected with the "fall" of the dollar, and the mortgage crisis in the U.S., which led to a rise in foreign debt.