Of course, the amount estimated for construction in reality less than actually charged with co-investors or co-investors, as they are called. The builder is insured against inflation, rising prices for energy and building materials, and most importantly - do not forget about our own benefit, the amount of which is often veiled all sorts of costs. But even with this purchase `unfinished 'disproportionately profitable than buying an apartment in the already built house.

Moreover, the earlier interest holders making money, the cheaper the cost for a future apartment. The most advantageous from a financial point of view - making money on the initial stage of construction, in other words 'buy' over the air trench.

However, with the apparent attractiveness of this investment, there are many disturbing and arresting factors.

They are all associated with risks.

For example, a bare construction site and have already standing on her 3-5 floors - two big differences, as they say in Odessa. In the first case, the probability to see the completed building is lower than the second. For this reason, many fear unfinished, are interest-holders only when the building lacks only the roof. But while the purchase will more expensive.

In addition, the validity, sadly, is replete with examples of unscrupulous firms design contracts (selling participation in the general construction).

How to protect yourself from fraudsters and risky proposals?

Here, first of all, you should inquire about the company offering to sign the relevant paper (actually collected the money), even if it seems a party building. It is possible that before you firm, formed recently. In this case, count on the continued implementation of its commitments, at least, funny. Moreover, in no case can resist the entreaties of `sign 'in the interest holders as soon as tomorrow` buy into the' have to be more expensive (of course, is only one possible incitement).

And most importantly, what should be remembered each potential co-investor - the presence of a developer a building permit. Without this document, there can be no question of making any money it was (with rare exceptions, discussed below).

The developer may offer future investors a preliminary contract, the essence of which lies in the fact that in the future will be a party to the contract holders. In such a contract is not prescribed for the financial obligations of the parties to each other. It is therefore extremely important to carefully study the subject of the contract.

To date, get permission to build a very not easy. You must collect and arrange a portfolio of documents. This requires money, which before the law 'On Joint Construction ...' came into force on April 1, 2005 to appear due to payments to the first holders.

The fact is that prior to April 1, 2005 were allowed to bring money to co-investors are not waiting for their building permit. Now this source of funding is not (own funds and are not at all). And the developer either uses the borrowed funds - is taking a bank loan (if the costs of this will be hanged on the shoulders of our buyers), or resorting to all sorts of tricks to circumvent the law.

The second option should be considered in more detail.

Known `legitimate` tricks and illegal. Immediately, we note that the last is more dangerous for consumers. It is directed against them, `The Law on participation in joint construction ...`. Determine the insidious proposals - is easy. You can name a lot of reasons that can not now see a building permit. In addition, you will be denied the documents confirming the absence of good reason for this permit.

Suffice it to present itself among the victims of fraud, nazhivshihsya on investments honest citizens, and the desire to participate in dubious deals will disappear once and for all. Another thing to be ignorant and act rashly unintentionally.

To avoid this, you should carefully examine all proposed to you the documents (or copies thereof) and not to sign any paperwork if you have something does not suit, wary, or some item called into question, or do not you all can understand - even a single word. Do not be afraid to seem ignorant or illiterate - it is better than to stay with the `nose`.

Ask for clarification! Consult with an independent lawyer and a realtor! Moreover, even if you absolutely everything is clear and understandable and show the paper to people you trust, perhaps they have any questions about which you have not thought of. Only after removing all questionable or controversial issues can put your signature.

But back to the acceptable methods of care of the Act and the signing of the treaty prior to obtaining a building permit. The right to conduct construction work may be assigned to another company. And, if this is the company signed an investment contract with a local (district) administration prior to April 1, 2005, her actions do not contradict the legislation. Find this company sometimes easier than to obtain a building permit. But do not forget that the increase in companies involved in the construction project (physically or financially) complicates the scheme of construction and involuntarily delays the period of construction of houses.

In addition, to understand what purpose was in fact carried out the assignment very difficult. If you find money needed to start work - this one. But if the real reason lies in the financial contrivances, it is better to not participate.

Another clever scheme - the provision of bills. This document is usually recorded as the amount equal to the price at the time of signing the bill. After a certain period in the instrument holder should get an apartment ... But, unfortunately, the bill is not an investment agreement and financial commitment, in which there is no mention of the issue of future apartment, its size and other characteristics ... Under the rules, the bill can be paid that amount, and the apartment for some reason is not provided. That is, it suggests that by becoming a holder of a bill, you do not know that you will get: an apartment or money that may already be impaired.

Thus, at present share in the building remains quite risky and requires a thorough study and intelligible advice.

Minimizing risk is possible only if the signing the bilateral treaty equity, which is in accordance with all rules in the office of a serious and stable company.