When their own money to buy the apartment is not enough, it is logical to contact the bank for a mortgage loan or try to take a loan from a housing cooperative. And if we consider the conditions for granting loans to cooperatives, they are much more accessible and more profitable for its members, rather than conditions for the issuance of bank loans. Nevertheless, cooperatives remain even if more accessible, but less reliable way to purchase housing.

Housing Cooperatives - Housing Cooperative (housing cooperatives), formed in the period since 2000, attracting money to borrowers, and those funds are buying apartments for their shareholders at the primary and secondary markets. Cooperatives looks like. Member of the cooperative is open to any citizen over 16 years. Upon entry must submit only one document - the passport. Earnings certificates, registration, and sponsorship of third parties is not required. Application to join the board of the cooperative, usually consisting of a chairman and two or three alternates, will be considered within a month and for a positive decision to issue the necessary orders. The newly introduced shareholder in cash cooperative 30-50% of the cost of housing or accumulate this amount, being a member. As the entry fee must immediately make a 3-5% cost of housing. These funds were used to pay costs associated with the activities of the cooperative.

Peaks (mortgage consumer cooperatives), in contrast to the housing cooperative, which operate only as amended by shareholders in the amounts and attract more mortgage loans, which take in banks.

Under the law, since the entry in the housing cooperative to be eligible for the allocation of loans must pass at least two years. In the peak period of accumulation is often reduced to six months. But the Bank transfers the money to clients immediately after a positive decision on a mortgage.

After the waiting period specified in the contract between the shareholder and the cooperative shareholder receives the missing money to buy housing from the most cooperative and working with other members. The law requires shareholder is entitled to receive an amount equal to the one he made to the housing cooperative. When you join the cooperative down payment the borrower typically makes 30% of the price, the remaining 20% of it accumulates on the individual schedule. Accumulated 50%, he gets a loan, which then puts out the same for individual scheme. In this case, however, the maturity can not exceed more than half the time of primitive accumulation.

The stakes in banks on mortgage loans vary from 10 to 14% in currency and from 12 to 20% in rubles. In cooperative rates are lower - 1.6% per annum in foreign currency, depending on the value of purchased housing, and they are called there membership fees, rather than lending rates.

Comparing the conditions for obtaining and repaying loans, mortgages and cooperatives, it becomes clear: in the latter they are much more attractive. This is suspicious. More favorable lending conditions due to the fact that the cooperative - a nonprofit organization. His goal - to provide housing for shareholders, rather than a profit.

Thus, the scheme of co-operatives like pyramid scheme - they can prosper only as long as the money comes the new shareholders. However, in cooperatives and do not conceal that their welfare depends on the confidence of shareholders. Members of the housing cooperative or peak for credit cooperatives and other members, and a guarantee of safety of drugs and eventually get an apartment in this case is the integrity of the cooperative. Therefore, shareholder does not interfere with self-insure the transaction.

In the housing cooperative apartment becomes the property of shareholder only after payment of its full value, up to this point belongs to the housing cooperative. In the case of flat peaks can be transferred to the ownership of shareholders and to pay the full cost, but only if a mortgage loan through the PIC. This accommodation is subject to the pledge.

It turns out that reliability is important for a creditor or shareholder ZHSK peak, and not to the borrower on the mortgage. With banks more or less clear: if the bank went bankrupt, with debts will take its creditors. Under the law, worsen conditions for borrowers (including mortgage) lenders are not eligible. Borrower of the mortgage would have to sign a new paper and transfer the money already on another personal account.

With CAV and peaks in the event of bankruptcy will be harder to understand. Well, if the money you'll need. There can be no doubt: the successor of a bankrupt quickly explain where you must now transfer funds. But what if the client has not yet managed to get the missing amount for the purchase of housing? According to market experts, given the high risks associated with the scheme of co-operatives, they are not widespread.

Unique

Almost unique project of a modern house, built a kind of cooperative - a successful club project Agalarov `House`. But this experience has been so controversial that Aras Agalarov abandoned the idea of further construction of apartment houses in Moscow.

`I was there so nahlebalsya that did not want to continue, - says Mr. Agalarov .- Make a good product without finishing, I think it is wrong. Calling the elite housing concrete without a single provodochka switch and even the language is not rotated. And do what you think is right, it is very difficult, because the construction process there are buyers, and they start from my point of view, to spoil his apartment. What was in my house: I managed to build it, made the minimum decoration, were the American kitchen, home appliances. Residents began to make repairs in all apartments, with two or three times. That is, make repairs, will drop to a neighbor, to see what he has, and the new. And when they begin to say, my mother-in-law or wife so good designs, this begs the question: `Who is your wife? Designer? Architect? Senior researcher, but brilliant designs? `We the people of meticulous, they also all want to penetrate. There is one tenant, a very famous man. He took out a wall of bricks, carried to the Institute of Physics, checking them on the thermal conductivity, the floor stripped granite, in the Kurchatov Institute for radiation wore checked and the windows are studied on the thermal conductivity, and security.

And, to his surprise, he came and said: `All exceed State Standards and norms'. Solid jitters! And still ridiculously comes. At our house is a bouquet of flowers in the lobby. Entrance door - a chandelier, round table, a beautiful vase and a bouquet of fresh flowers. Here is a bouquet of flowers is still the subject of debate. Regularly asked to transmit Agalarova that the house is not a cemetery: Why are the flowers? `

It turns out that an agreement with officials of the construction was easier than finding a common language with residents. `There are things that can influence - explains Aras Agalarov .- Residents are not applicable. Therefore, to build housing just uninteresting. For me better develop what is the continued existence: exhibition and trade centers, hotels, offices `.

Many similar

As of summer community, realtors note that this form of partnerships is becoming more common in villages near Moscow. According to specialists, most of the freely sold in the Moscow area of land - this land is in the status of agricultural (up to 69% of the entire Moscow region). Less often they do, but the last one or several stages of processing, such as: registration of documents for land in the legal or natural person, transfer of agricultural land in individual house-building, cottage, or status under the farm, supply communication, organization cottage community. The lower plot was being prepared, the cheaper it will cost the new owners.

The average value of the Moscow Region land covering 10 hectares, will cost several million dollars. If we take into account the prestige of direction (Rublevo-Uspenskoe, for example), the cost will increase to several tens or even hundreds of millions of dollars.

Head of the Department of consulting in the sphere of land relations law firm of Legge `` Igor Kukin: `Our corporate cooperatives - at least in Moscow - a greater emphasis on the suburban building.

Deficiency of potential building sites in the capital, bureaucratic hurdles and the high level of corruption is not able to fully develop the cooperative movement. Such cooperatives exist, but are not of mass character. Our company has been the experience of legal support organization dacha construction cooperatives with a view to acquiring a lease-purchase a large plot in the Moscow region. As a result, the goal was achieved, but to achieve it left a year and has required considerable financial costs. Subsequently, the land was divided into 43 smaller area and sold piecemeal. I think at a substantial profit. As far as I know, outside Moscow are at least five of these cooperatives, organized this year. All the five selected plots in the Moscow area, and I think that all five ultimately rasprodadut land in parts `.

From an economic point of view of the cooperative, of course, benefit: cost savings for construction and other costs in this case is not less than 30%. But from another point of view, such a path requires more time, not to mention the nerves. It is a matter of personal choice - either savings, but time and nerves, or a solution, but the increased cost.

Organize cooperative - the easiest of the challenges that will face his backers. It's no secret that to start construction in Moscow requires enormous respect and no less colossal money. In the Moscow region on the granting of land (especially in unpopular areas and at a considerable distance from the capital) can be solved relatively easily - initially quite an audience with the head of administration in the rural districts.

However, to solve administrative problems cooperator, of course, better and much safer to turn to the professionals. But again the question arises, what is more important - saving or absence (minimization) problems.

The organization of the cooperative, the allocation of land, construction permits, construction itself, the connection to engineering communications, acceptance into service, the registration rights subsequent livelihoods cooperative - all the way you can try to walk independently, with no guarantee of the outcome and with considerable time-consuming (for Moscow Region to three to five years). Either increase the cost by 10-15%, but to ensure a healthy sleep.

There are some special legal issues before the participants of this cooperative is not worth it. Corporate co-operative in terms of current legislation does not differ from non-production environment. At the stage of organization and in the process of problem there is an agreement between the members of the cooperative.

`After a preliminary study of the possibility of redemption station during an audience with the heads of administrations of districts and in the department of architecture and town planning committee on Land Resources revealed that the site may only get to rent - and with some effort on the right of redemption - a summer house construction , - says Igor Kukin. - All other variants have been associated with changes in land categories, and this regional competence, respectively, unnecessary costs and unpredictable time. After consultation with the customer was offered the following version: the organization of house-building co-operatives (DSC) from the staff of the company, application for land lease, a breakdown of the land into smaller ones with a view to their redemption DSC members.

DSC is easily arranged, after obtaining an order for the site have a lease, registered at the time in the Moscow Oblast Registration Chamber. After registering the lease over land committee made partition of land into smaller and their distribution among members of DSC. After this adjustment of the plan, resulting in the architecture and zemkome instead of one plot were recorded data on 43 plots of land and public use (roads, lots for public buildings, etc.) `.

More should collect statements from members of DSC and take them to the local administration, as well as formalize land ownership, to get a resolution to grant, contracts of sale. After completion of all legal-bureaucratic procedures, members of the summer community had sold their plots are so beneficial to them was the sale of land at market value in comparison with actual costs.

`In my practice of combining several cases of people to buy Country real estate was not. In general, cooperative approach is completely inapplicable to the expensive real estate, - says Joan Lebedev, Head of suburban real estate company Welhome. - Sometimes, it is true that companies are building settlements for their employees. One of the few examples - `p` Chigasovo built on Rublevo-Uspensky highway company Media-Most .