Department of housing policy and housing the city of Moscow has developed two basic schemes of social mortgage for Muscovites in need of better housing conditions.
Various experts converge in the estimates: about 90% of transactions in Russia's real estate market takes place in round 214-FZ 'On the joint construction `. At the apartment, sold for `gray 'schemes, there are buyers who want to minimize a cost per square meter. Builders get cheap money in the form of individuals, but officials turned a blind eye to alternative sources of funding in exchange for a `bureaucratic costs`. However, building owners insist that despite the established system `` kickbacks and bribes, tax optimization, bills, and preliminary contracts will leave the market of alternative financing schemes of construction: either they simply legitimize or develop the practice of physical persons investing through real estate funds.
First floor apartments do not like just for many reasons. Somebody does not like the proximity of streets and courtyards, someone that anyone can look in the window, someone bleak view from ground floor windows and the need to install gratings to protect against thieves. `If the number is busy highway, the first floor for residents is becoming a real challenge, as well as constantly approaching and departing vehicles in the yard '- notes Dinara Lizunova, a spokesman for the company MIAN-Real Estate.
Buy an apartment for half or even a third of the cost possible. This will conclude a contract of annuity instead of real estate, that is, in essence, buy a house together with the former owner or owners: single pensioners. Such transactions legitimized the Civil Code, namely, chapter 33, articles 583-605.
You can do it. Loan security of available housing - a service not only prevalent in the West. In our country, many banks offer their customers the option of credit.
Under the assignation of rights to understand such a transaction, when the rights and, importantly, the duty to pass from the developer has entered into an agreement with the developer for a new person. Assignment of rights under the contract is possible regardless of what was originally contracted with the developer. `The possibility of signing the contract of assignment does not depend on circuit design, respectively, is possible under any schemes' - explains Pleschitskaya Hai, head of legal department` MIAN-real estate agency `. The transfer is possible under the treaties of investment, co-investment, pre-sales contracts, etc. If you originally signed a contract on joint construction - it will go set it right, if the preliminary contract of sale - then right on it, co-investment agreement - the right to co-investment agreement, etc. In exchange license in addition to the transfer of the preliminary contract of sale must occur negotiation of a bill, by making a transfer labels (endorsement). If payment for Construction of apartments used insurance scheme, it has to change and the insurance contract.
Today, sellers of apartments in new buildings use multiple schemes. The safest for the buyer - the conclusion of the contract in accordance with the law `On the 214 participating in the shared construction of apartment buildings ...`. However, this scheme is the most unpopular with developers. And since today is the seller dictates the rules of the game, the buyer has no choice but to take him on a leash and enter into a contract, which he will propose. What the scheme offers sellers and where to find the trick?
According to various estimates, the average increase in prices for primary housing market was 25 - 30% in foreign currency, said deputy general director for marketing "of the Moscow City Property Services (MGSN) Sergey Vakhrameev. At the same time, incomes are not increased in similar proportions. "Talk about the glut in the market until you have, but the ratio of effective demand and supply have changed significantly in the direction of increasing the latter," - says Vakhrameev. Analysts of the Moscow real estate investment agency "(IIAS) is also confident that demand growth is not keeping pace with rising prices and volumes of construction. "But the lower prices while not necessary to speak, - said deputy director of the agency Oleg Repchenko. - The reason for this is not.
In the Northern District - more than 19 thousand families waiting. Every year, provided shelter for about one thousand families. If the pace to go further, then reduce the waiting time in queues of up to 10 years will be impossible. How then can make a difference? Recently, the Moscow government issued a decree on the medium-term program of housing construction. So, comparing the number of waiting area and the number of residential space, which will be built by 2010, we concluded that the problem is quite real. But to do so to provide housing for those waiting, who went on record before 2000. This also applies to beneficiaries, and those who stand in line with general practice. Now in the district of 13 224 families.
Along with the evolution of technology have changed dramatically and the requirements of inside buyers of apartments to the infrastructure. For example, in the seventies, it was considered best to have an apartment in every room with two electrical outlets, one outlet in the kitchen (plus one more a force - if the house was electric), well, plus a number of telephone sockets (diluted to the same right over skirting ever break in two at the most unexpected moment solid wire). Naturally, the whole house was also cut by a black television cables.
