Insurance is peace of mind at a discounted price

The owners square meters in an apartment house shall be responsible for the overall property, and, of course, can not help but think of "surprises" in the form of his accidental injury or death. The burden of that and say, palpable. But it can be alleviated by dividing the insurance company and the Government of Moscow. From the kitchen to the attic More than half the apartments in the First Throne now insured under the city program - that is available and reliable. However, fire and water are also not spared roofs, basements, attics, elevators, stairwells, communication vnekvartirnye residential buildings ... In short, everything that experts call the objects of common property in apartment buildings. We recall that in accordance with applicable law, except insurance of premises, which has become customary for the majority of Moscow households in the capital for several years a program of insurance of common property in apartment buildings. Its purpose - to provide comprehensive insurance protection for all residential buildings. Budget support will happen if the local state of emergency events (for example, burst water pipe, lit loft), indemnify the flood or fire have out of pocket. Unless, of course, have not been established culprits of accidents. Metropolitan government gives owners an opportunity to take advantage of Insurance with the financial backing of the city budget to compensate for losses in the event of destruction or damage to common areas in apartment buildings. The situation of this kind of insurance approved by Resolution of the city government from 13.06.2006, № 391-PP "On measures to promote the general insurance property owners of the premises of apartment buildings."

Debtors' mortgage is deprived of flats

Until now, an extreme measure - the loss of an apartment - seemed more terrible dream than hard reality: the bankers acknowledged that the law is a hard option, of course, requires but a single instance of the practice could not remember. And now - started ... In Moscow, there was a conference organized by the National Association of Mortgage Market (NAUIR). Representatives of banks, mortgage funds, state structures discussed the problems of loan recovery and unscrupulous actions on the borrowers. - According to the second half of 2007, more than 1protsenta Defaulted mortgage loans were - Chairman of the Board NAUIR Vladimir Ponomarev. - This means that borrowers were found unable to pay. Banks in such cases are entitled to a refund of their money through the implementation of mortgaged apartment. To do this, the creditor must apply to the court, which rules specifying how the implementation of the mortgaged property (as a rule - for sale at public auction), the initial purchase price and the amounts payable to the bank. Of revenue for the apartment and deducted legal fees and expenses for the organization of public auction. But now to the point where the debtor shall bring to the court and forcibly evict in connection with the sale of apartments, reaches no more than 50 percent of the cases on Defaulted loans, say representatives of the banks. How much is this in specific numbers? - Today, in many regions there are from 3 to 10 cases in which banks are sued for foreclosure on the apartment borrowers in debt - said the president of the Association of Mortgage Companies (AIC) Aleksander BUYANOV.

The percentage is not waiting

From the beginning, mortgage rates have raised Alfa Bank, Moscow Bank, City Mortgage Bank (GiB), World Bank, the First Czech-Russian Bank - an average of 0.25-1 percentage point. Last week they were joined by "VTB 24" and "Uralsib". The first increased the interest rates on loans with no down payment at 0.75-1 points. Now housing loans on the secondary market to give it a 12.5-13.5 per cent per annum in rubles and 10.5-12.5 per cent in dollar terms. "Uralsib" upped the ante on ready housing loans in rubles at 0.4-0.8 points to 12,3-12,9 per cent per annum, in dollars and euros - 1.3-1.5 points to 11.5 - 12.3 per cent per annum. What will happen to house prices? Most analysts believe that the sharp rise in property prices observed in January - a temporary phenomenon. "The expected growth this year, Moscow real estate prices are 10-20 percent, it seems, will be played mostly in the first months of the year. Beginning in May, may come stagnation and even correction. In 2009, also is expected to grow at 10-15 percent, "- expresses their opinion leader of the analytical center IRN Oleg Repchenko. But news agencies Rway CEO Alexander Krapina thinks differently: "By mid-2009 the price of the Moscow housing may be reduced by 30-40 percent, so I would recommend not to hurry with the purchase of housing." Banks have become wary of borrowers with a gray-income countries. Thus, in GiB rates for such borrowers increased within 1 point. In January, the index of mortgage broker "Fosborn Home" (reflecting the weighted average rate at which it was possible to get a mortgage through the broker) has grown in comparison with December by 0.06 §