Realty news

The news that the new property tax will be introduced, possibly in 2013, the year, and in some areas before, just not happy people. People fear that the tax would be unbearable, they see no particular benefit from it either for themselves or for the country and suspect that will benefit from the innovations only officials. But the promises of various ranks of responsible persons, that, well, everything will be fine and the new tax you just do not notice people do not believe. Do not believe because of the state are waiting for a trick and perceive it as a system aimed at only one thing – to take money from people and nothing to offer in return. These conclusions were reached by the magazine www.metrinfo.ru, after he summed up the opinion poll conducted.

Before turning directly to the report of this study, it is worth recalling what was going on. The fact that it is necessary to introduce a new tax on real estate, discussions are underway for a long time, ever since the nineties. The current tax that we pay in accordance with the law “On taxes on personal property,” is small – a few hundred rubles. The basis of calculation takes the value determined by the Bureau of Technical Inventory (BTI), and it differs from the real market of tens or hundreds of times. It turns out that they pay little everything and the owners of expensive chorus, and the owners of modest homes, which of course is unfair. People who can afford expensive housing, should be paying and tax, filling bins homeland.

The situation could be remedied new property tax to replace the two existing tax immediately – on property and land. Expect it will be based on the cadastral value, close to the market. As stated in an interview to “Rossiyskaya Gazeta” Economic Development Minister Elvira Elvira, the tax will be introduced in 2013, and in regions that have time to prepare for its introduction earlier (that is to inventory valuation), he may begin to be used in test mode since 2012 city??(see “Elvira: the market will introduce a tax on real estate not before 2013″). “Hour X” is coming, but the state still can not definitively determined the basic parameters of the tax.

The first question – what will be the tax rate? Elvira has promised that the size of the rate – 0.01% of the cadastral value or “a little bit more.” It turns out that the owner of an apartment worth 5 million rubles. Will need to pay only 500 rubles. And if the apartment is worth 50 million – 5, 000 rubles. As a little suspicious. Recall, recently discussed the power rate is 10 times more – 0.1% of market value.

The second outstanding issue – credits and deductions. Nabiullina promised that they would be required, but did not specify what, explaining that the problem is discussed. Previously suggested to provide a benefit to owners of apartments area not exceeding 50 square meters. M and land no more than six acres.

Remains an open question and pensioners, who hold a good apartment. For example, one person lives in a three-room apartment on Kutuzov Avenue, Moscow. If the tax rate will be higher than the one that says Elvira, and pensioners from the tax will not be released, then that person will be in difficulty. Today, incidentally, retired property tax is not paid.

And now more on the results of a poll conducted by www.metrinfo.ru. As it turned out, they know that the state is going to soon introduce a “market” real estate tax – 42.2% of the respondents, that is not too small (usually up to date, “the semi-official” information is somewhere in the third of study participants). In this case 76.5% believe it is necessary to introduce incentives for disadvantaged taxpayers, 4.9% voted against benefits, 6.9% – have a different opinion, and 11.7% – were undecided.

Survey participants were asked to consider what measures should be taken to protect the poor people in the event that the tax will be introduced. Among the measures proposed were made as follows:

- To introduce subsidies, which could offset the expenses of citizens in taxes;

- To increase the pension;

- Combine the increase in pensions and subsidies;

- Leave the tax unchanged;

- Introduce low interest rates;

- Calculate the tax based on the area of?? the apartment.

In addition to these “protective measures”, was proposed by another, which was designed to replenish the treasury:

- To introduce higher taxes for government officials.

At the end of the survey people were asked to answer whether, in their view, to introduce a new tax or not. 57.8% of respondents believe that the new tax, you need not, as they believe that in any case, payments would be prohibitive, and someone even have to move to the worst apartment.

In addition, people suspect that officials impose this tax for themselves, so you can have more “cut” the budget. The new tax, according to people not yet fully understood, and it is unclear why he entered, if there is need of him to release a lot of people – where, one wonders, is the logic? Opponents of the tax also think that its value can change – to grow along with the price of real estate.

8.9% of respondents believe that the new tax is needed, since it must pay the owners of expensive spacious housing, which in the country quite a lot. Respondents found it difficult to answer (33.3%) or no interest in this issue or argue that the state still do as it sees fit, and do not even think about this bump.

Thus, despite the reassuring statements by government officials, people suspect that the new state tax on something wise. In this respect their views to some extent those of the analytical center “Indicators of the real estate market.” According to analysts, which is contained in the article “Property tax hits the poor, not rich,” the state can now enter a new property tax with a “gentle” rate 0.01% of the cadastral value. For a while, the owners of the “normal”, low-cost housing will continue to pay a few hundred rubles a year, and owners of expensive meters – a few thousand. However, the break in the scheme in practice, the state can take and raise this rate to 0.1%. And then all the issues of benefits and deductions for low-income population will be precisely relevant.

Especially be affected, noted in www.irn.ru, owners of dilapidated, substandard housing. Today on “beteishnym ’standards these apartments are not worth nearly nothing, but when determined by their market price, the tax for their owners may simply unsupportable.

But on the other hand, the “real” sensitive property taxes can benefit the market. It can be a good potion of the price “bubbles” in real estate. Bubbles have a tendency to swell, when just a lot of people are buying housing “rainy day” with the investment objectives. This property is basically “idle” – none of these apartments do not live and nobody passes. If the investment is too expensive meters have, then the owners will have to put them on sale, but helps to increase the supply always calm down prices.

Finally, property taxes will replenish local budgets, because these revenues will be engaged in landscaping, gardening, building and children’s playgrounds, repairing roads, etc.

So if a new tax on to the mind, to take into account all the nuances that liberate it from those who need it, and collect tribute from those who can afford to pay, then it will proc.

Whether the market stability, or uncertainty

By the end of May the number of registered transactions in housing, according to Rosreestra has fallen compared to April to 21.7%. But the price fixed by a majority realtor agencies have not changed, recorded only minor variations. This indicates that seasonal congestion on the secondary housing market has begun, experts concluded the analytical center “Indicators of the real estate market.”

And he started to really not even in May. In May, mostly made out of the transaction, in fact, concluded in April, and prepare them started in March and earlier. Still, to make the transaction of purchase and sale of housing – it does not go to the store for cake, for an hour or not oberneshsya.

Volumes and Trends

In total, the assessment of “The Alphabet of housing”, in Moscow in May exhibited about 59 900 apartments in the secondary market, the volume of deals compared to April in the capital fell by 5.3%. For comparison, analysts’ NDV-Estate “assess the volume of supply of approximately 39 900 apartments and a fall of 4.4%. “Inkom-real estate” – respectively in the 53 700 objects and 3.2%. However, “Relight Invest” referring to the data base of real estate WinNER estimates the volume of proposals in May to 64 600 flats and said vice versa, its growth of 1.7%. But in any case – just Rosreestr recorded 7247 transactions, and it became a slump for more than 20%.

However, the main question – whether this is due slowdown vacation period or the market froze in anticipation of the autumn of events – is, in general, open.

As the head of the analytical center “Indicators of the real estate market,” Oleg Repchenko in the “Review of the real estate market by the end of May 2011″, “On the one hand, short-term symptoms observed in the real estate market the last two months, speak in favor of stagnation: the weekly rates of growth of prices for April-May, have fallen, growth by segment expensive housing take precedence over low-cost segment. This seems to be quite fit with the seasonality factor – during the summer of excessive demand can hardly be expected. If you talk about the medium-term forecast for the coming year, it is rather the opposite – all factors for ensuring that prices for apartments in Moscow next May to have added up to 15-25%, especially in the segment of economy class quality. ”

The data and opinions

Market participants in their analytical reports, in general, come to similar thoughts, and confirm it with their own data.

For example, “NDV-Property”, as www.irn.ru, estimates the average price increase for May in the secondary market in the region of 2%. “The Alphabet of housing” gives an even smaller estimate of 0.1%. “However, in May this year was no” failure “, but rather on the contrary, showed fairly good activity for this period. Moreover, the current situation is favorable for buyers: prices have not increased, but the proposal fell only slightly, “- says Andrey Bannikov, head of the secondary housing,” Housing Primer. ”

“Incom” On the contrary, even a slight price decline in records in sentences (at 0.1%), however, such deviations can easily find the statistical error (data in absolute terms, the current cost per square meter of housing in the capital can be seen in “Index of the real estate market week “or calculate a specific reference to the apartment with the help of online-calculators from IRN.RU).

“In May we saw a traditional seasonal lull. Moreover, the low buying activity did not substantially affected the cost per square meter and the total supply. Later, the secondary housing market will remain stable situation: fluctuations in the price per square meter in the summer months is unlikely to exceed 2% “, – says head of the analytical center of the corporation” INCOM “Dmitry Taganov.

However, some market participants show greater optimism, allowing not only to talk about stability but also growth. According to the call-centre «Relight Real Estate” in May, the activity of buyers and sellers of residential real estate is not only not diminished, but also saw an increase in the number of calls by 5.2%, says Marketing Manager Olga Markova. “The number of calls to customers has increased over the month by 31.3%. In general it may be noted that buyers were more active in spring sales – she said. – In May, the number of hits on the acquisition of housing exceeded the number of calls about the sale of apartments by 61.5%. ”

Small bar

In the already cited “Review by the end of May,” Oleg Repchenko stressed that grew the least in May one-bedroom apartments, and most large-area flat – “treshki” and multi-room apartments. “Coupled with the greatest increase in prices of expensive homes there is no type of time is marked on www.irn.ru picture of the transition to market stagnation. During periods of acceleration in the rate of price gains are knocked forward the cheapest apartments, and expensive housing and less liquid behind. During periods of deceleration and stagnation of the market is reversed. More information about this criterion can be read by the example of previous years in “Expensive and low-income housing: the index bundle of the real estate market.” Accordingly, the present distribution of price changes by type of housing means braking and stopping the price increase, as can be seen weekly on the dynamics of the indices. ”

If we talk not just about multi-room apartments, and segments of the business and premium class, the primary housing market premium over the last three months, maintained a consistently high demand. But on the secondary market for the month, the company recorded a decrease in the average IntermarkSavills offer price by 2.5%. Director of sales department of urban real estate IntermarkSavills Dmitry Halin believes that “this is partly due to the desire of many sellers to realize the apartment before the summer vacation season.”

But there are other explanations. Firstly, the fluctuations of 2.5% to less expensive segment of the market can easily be caused, for example, that the market “has gone” a couple of very expensive objects, and accordingly, the “average” price slipped a bit. Or to market new objects of these segments, but lower price point. Given that the total supply in these segments is incomparably less than in the whole of Moscow, these phenomena may well be. For comparison: according to IntermarkSavills, only the initial offer premium amounted to 1, 000 apartments, were the primary of 45 transactions in this segment. Cumulative initial offer business class apartments increased by 17% and amounted to about 2, 700 objects.

In general, the market is slowly returning to pre-crisis indicators, the general director of “NDV-estate” Alexander Khrustalev. “We are confident that in the near future due to shortage of supply of new buildings in the segment of the demand shift to the apartments on the secondary housing market”, – he said.

Swimming – this is fun, especially if it is properly arranged. Bathroom could and should be comfortable – it’s the perfect place to relax, relieve stress and be pampered in a pleasant atmosphere. In the book, the famous interior designer Fay Sweet “Bathroom” you can find many options for layout, design and equipping of modern bathrooms, and rational use of space, placement of cabinets and washing machine. The book contains a lot of theoretical and practical advice – like podstarit furniture, paint their own tiles to your liking, oblitsevat of the wall, hanging shelves, to make a wooden lattice at his feet. The author offers you even work out in the mural – the truth, in the presence of at least minimal skills.

Many people are planning a renovation and design of the apartment, paying much attention to the selection of household appliances, and sometimes very costly. And often overlooked such an important thing as a safe supply. But when sudden power surge is quite possible failure of the appliance.

That’s why making the choice of equipment but pay attention to simple things such as quality required voltage. This way you protect yourself from possible trouble.

For some reason, it is thought that a realtor clock time. Teach clients to call from, say, 9 am, or make last call at least 22x, my pipe dream. And the thing is that the client, the last with his realtor all the circles of the psychological, bureaucratic, and other hell, becomes a member of your family. Starting to work with a client, a professional immersed in the family relationships of the customer,

Acquainted with almost all members of his family, because he (the realtor) helps customers solve a major problem in life is the purchase (sale) property.

Often devote a realtor in the relationship between the partners, secret and sensitive actions with equity participation in business associations and property. A good realtor is often the bearer of such mysteries, which are known only to a narrow circle of relatives and friends. A good realtor will never reveal the name of his client, who buys (sells) an expensive luxury real estate, even if a want to brag to his friends. He is always with an enigmatic smile says: “One of my regular customer…”

Realtor-charge d’affaires. He serves as arbitrator if the conflict flares up in the family and the case is nearing divorce. Or performs the functions of parliament, when it is necessary to solve the delicate and sensitive issue. A good realtor-friend, comrade and brother of the client. He not only hold talks with potential buyer (seller), it is the only 100% motivated in the transaction.

One of my patron, if he needs my services, in principle does not go with me to negotiate, even if I beg it. His crown phrase: “You do not want to spoil you all I?”

What am I doing? I’d like to see this dream become a reality realtor)

Price dynamics in traditionally prestigious and less prestigious highway

Decreased by 11% over the last year the average price of cottage settlements in traditionally prestigious areas of Moscow region. But do not think that the developers have moderate appetites. The main reason is the growing share of economic housing in these areas. Most of the new settlements being built here now for the 50th kilometer from Moscow, where the average cost per meter is considerably lower than near Moscow.

According to the analytical center “Indicators of housing market”, in II quarter 2010 index of average prices of cottage settlements in traditionally prestigious areas was 95 900 rubles. Per square meter, but now – 85 600 rubles. Per square meter.

Note. By the traditionally prestigious areas of Moscow region are the Western Highway (Ilyinskoe, Minsk, Mozhayskoye, Rublevo Uspenskoe) northwest highway (Volokolamskoe, Leningrad, and Novorizhskoe Pyatnickoe), the northern highway (Altufievskoe, Dmitrov, Rogachev) and south-western highway (Kaluga and Kiev). Less prestigious areas of Moscow region and are considered to Gorky Shchelkovo highway (east), Yaroslavl highway (north-east), and Egoryevskoe Novoryazanskoe Highway (southeast), and the southern areas (Warsaw, Kashirskoe, Novokashirskoe and Simferopol highway).

As noted in www.irn.ru, the last year (with the II quarter of 2010 II quarter 2011) the number of cottage settlements in the suburbs, which provides electricity and gas rose by almost 14% from 276 to 314. This means that along with the recovery in demand in 2010, the volume of deals in the most sought after segment of suburban housing in the suburbs began to grow again.

According to “market research cottage villages near Moscow for 2010-2011″, significantly increased the number of objects in low-cost areas near Moscow. During the year the number of organized cottage settlements here has increased from 81 in the II quarter of 2010 to 99 in the II quarter of 2011, nearly 22%. The leading positions are occupied by Simferopol highway with 37 objects in the sale, as well as the Yaroslavl and Kashirskoe – 20 and 17 villages respectively.

The choice of villages grew and in traditionally prestigious road in the spring of 2010 there were 195 facilities, and by the summer of this year, the number of settlements increased by about 10% – up to 215. Of these 66 villages are situated on the popular New Riga, the second and third place is occupied Kyiv (38 objects) and Dmitrovskoe (34 objects).

Ratio of cottage settlements in traditionally prestigious and less prestigious areas remained almost unchanged for the year: 70% vs. 30%, respectively. Although the differences in the cost of cottage housing in these segments declined slightly. According to the analytical center “Indicators of housing market”, in II quarter 2010 average price of a meter, including the cost of land in the settlements in traditionally prestigious areas was about 95 900 rub. And at less prestigious highway – about 42 000 rub. Or 2.3 times cheaper. A year later, the price difference has decreased to 2.1 times: 85 600 to 40 100 rubles. Respectively.

The reason lies in the fact that last year the average cost of a meter in cottage settlements in traditionally prestigious areas declined more than the less prestigious road. This was a consequence of increasing the share of cost of housing in the more expensive segment of the market of cottage.

For example, in Novorizhskoye highway, where the approximately one-third of all settlements in traditionally prestigious areas, for the year was received on the sale of 17 new objects. The average price of a meter in these villages in the II quarter of 2011 amounted to about 50 500 rubles. For comparison, the average price level in the townships, which came to market in the previous periods have not been sold out by this summer, in II quarter 2011 was 102 300 rubles. Per square meter. Double the price difference is due to the fact that most of the new settlements (about 71%) is located at 50 kilometers from Moscow.

Increased percentage of cost of cottage housing in Novorizhskoye highway led to an average cost per meter is down by almost 15%: from 107 300 rub. In the II quarter of 2010 to 91 800 rubles. In the II quarter of 2011 This is according to “Market Research of cottage villages near Moscow for 2010-2011″. And since one third of the highway Novorizhskoe villages located in traditionally prestigious areas, lower average prices for the New Riga led to a negative correction of the average cost of a meter cottage housing in prestigious areas in general.

According to the results of marketing research, a stable price level remains at less prestigious road, where the average cost of 1 square meter cottage housing a year is held at 40 000 – 42 000 rubles. According to analysts, this is due, firstly, the constant demand for low-cost supply of country houses. Second, the absence of severe price movements at the Simferopol highway, where implemented, approximately 37% of all villages in the less prestigious areas. The average cost per meter of suburban housing on this road in the II quarter of 2011 amounted to about 31 100 rub., Whereas a year ago this figure was 32.8 thousand rubles.

To date, the lowest price level in country houses in the suburbs. The most expensive towns, as before, are offered on the ruble, where the average price of 1 square. M is about 153 000 rubles. And the cost of houses – about 94.3 million rubles.

For more information about the specifics of individual areas, as well as projections on the dynamics of a country market as a whole and its individual segments of the analytical center “Indicators of Real Estate Market” provides a framework of investment consulting.

“Accounting for clients” – is a simple and easy to use CRM – customer management system.

CRM (Customer Relationship Management) – a strategy of business organization in which the relationship with the customer at the heart of the company. The main purpose CRM-strategy – to identify the most “profitable” customers, learn how to more effectively work with them to prevent their “care” to a competitor, and thus increase revenue.

“Accounting for clients” – is a flexible CRM-system, customizable to fit your business.

The program is designed for automation of the sales department, finance department and other tasks that can be flexibly configured.

Key Features

“Keeping the customer base of

The database contains comprehensive information about customers, a complete history of working with them.

History of business contacts with the client is displayed as soon as the cursor is stopped at the selected client. In the same window in the child tables showing contacts selected customer, customer orders, the contents of orders, contracts with clients, billing and customer payments, planned activities. Each client is assigned to a responsible manager.

Depending on the frequency of contacts, clients are divided into “hot” “warm,” “cold” and “failure”.

Provides convenient ways to sort and filter data.

Managers with an effective tool for collecting, storing and retrieving data about customers to plan their work.

“Accounting for customer contracts

The database contains complete information on all contracts with customers. Specifies the type of transaction, the transaction amount, currency, discounts on transaction start and end dates of the contract, etc.

In this table shows the products (goods or services) under contracts and agreements for the application (usually it’s the extensions of the contract or the addition of services).

“The control of financial transactions. Accounting for debtors to pay

Create a list of invoices to clients. Pay for them can be tracked in the same table, but you can enter a separate table of the actual customer payments as they come. The latter option is useful if customers pay by installments in several stages or pay multiple accounts at once.

It is possible to see the balance of customers (accrued-paid) in a separate table.

“Formation of the transaction documents accompanying

“Accounting for clients” – is a handy tool for automatic registration of contracts, invoices and other documents.

On the basis of a table containing a list of invoices, you can create a template account, and print accounts of the program exhibited. Similarly, based on a table with instruments you can create a template of the contract.

Given that the program is a flexible CRM-system, customized for your business, you can change the data structure, add the appropriate types of documents (invoices, reports, etc.) and, accordingly, to create their templates.

“Analysis of the managers

Easy sorting and filtering on any field makes it easy to analyze the work of managers – what kind of customers they are conducted, how many orders and how much decorated, there are no debts to pay.

“Recording and analysis of marketing effects

“Accounting for clients,” allows the analysis of marketing campaigns and events – newsletters, publications, Internet advertising, seminars and any other impacts on customers. On the basis of these data determined the effectiveness of marketing.

System Benefits

“The ability to create templates of contracts, invoices and other documents

Used generation of Word documents based on templates (contracts, invoices and other documents).

The first time you’ll be doing the export of any record in your database MS Word, «Accounting for clients” will create templates for reports on all tables. You can open a template and modify it.

“The ability to change data structures – add tables, fields, relationships

“Accounting for clients” – a CRM-system, customizable to fit your business. Accordingly, the data structure can be easily changed according to your requirements. You can: Remove unnecessary fields and tables, to hide / display fields and tables, create new fields (as stored or computed), and tables.

For example, a table with a list of products (goods or services) for each product displayed his picture with a photo. If you do not need it, you can delete this field. If you want to implement a new feature of the system, it is necessary to create new fields or tables. For example, you can create a new table “False.”

Go to any tables, you can assign different types of subordinate table relationships (”one-to-many” or “many-to-many”). It is easy to determine the list and the values??in them.

“Easy ways to sort and filter data

“Accounting for customers” makes it a convenient interface to build complex logical database queries. For example, you can get a list of contact persons who belong to a particular industry is not in St. Petersburg, were interested in a particular product in the past two years. For this purpose filters.

When you need to select the data fields with the same value, instead of a table with filters is easier to use data tree, setting the field for his level (twigs). For example, the first level – executive, the second level – industry, etc.

Sorting the data necessary, it is possible to calculate the results by any field (sum, average… Or formula).

Sorting and filtering data allow you to quickly create a targeted group of customers, analyze the work of managers to account debtor to pay, as well as solve the specific problems that will need you.

»Multiplayer

The right to view and edit the information in the system configured by the administrator depending on the functional responsibilities of each user.

Multiplayer mode allows you to distribute areas of responsibility: sales makes the contracts, finance bills, controls the payment, the production department ensures that timely updated information about services provided by the organization, etc.

The result is a coherent work of employees of various departments with customers.

“Customizable user interface

The user can configure “under itself” form of tables and dimensions of form, and then save the settings, to work every day in the system, taking into account all their needs and habits. For example, you can set up rules tsvetovydeleniya lines.

PC “GRAND estimate” allows organizations to completely automate the preparation of estimates of all the existing methods of calculation, to carry out examination of estimates and production of construction documents for all types of work.

Benefits of the program budget, “Grand-Cost”

Simplicity and convenience. Using the program is the order quantity surveyor daily activities. “GRAND-estimate” – is a convenient and efficient tool to perform usual activities. The software package has a flexible adjustment to the conditions of a particular company.

Preparation and verification of local budgets (the form N4, N5):

* Consideration of the scope of work performed in the month since the expansion of entries and Materials (Form 2B, KS-2, Form CF-3, M-29 form, the form of COP-6);

* Drawing Object estimates;

* Calculation of material requirements to object to the estimate, made in the amount of work on several objects, some estimates;

* Work with the regulatory framework;

* Resource estimates, methods for calculating local estimates of: resource, basically, an index, resource-index, the base-to-back;

* Punch list.

Normal program to buy a car on credit is not interested in either the borrowers or the banks that offer more special programs with reduced rates and the amount of down payment. This is not altruism – the competition requires. In early spring, the Bank of Russia registered the first bank of a foreign automaker – Toyota Bank. And by the end of the year fighting for a Russian client may begin a few banks owned by foreign automakers.

Until recently, except for universal banks, which, along with other products offered and auto loans, money to buy a car to get it almost anywhere. Borrowers are reconciled to the fact that it was necessary to make 20-30% of the cars bought on credit from their own funds, and put up with an interest rate of 10-13% in foreign currency and short terms loans.

Notable changes began after the arrival of the Russian market of financial departments of foreign car manufacturers are developing joint ventures with banks, credit schemes of the population, subsidizing interest rates. From this scheme, everybody wins: the manufacturer increased sales of a particular model of car, the bank acquired a clientele that can offer other credit products and get paid for servicing the loan and the borrower received a more favorable credit conditions.

The most famous and illustrative case in point is the “Ford Motor Company”, a spokesman for Ford in Russia. It was the first to partially subsidize the interest rate on loans to buy cars of its own production. The program has since appeared in other companies – BMW Financial Services, DaimlerChrysler and others, “I believe that to enter the Russian market for new participants – foreign banks with cheaper resources – will further intensify competition. But it is important to consider the fact that the Russian market for car loans is growing rapidly, offering borrowers exciting new programs and additional preferences. Theoretically, these banks can offer their customers more interesting credit conditions and additional services as important for them to aggressively bring to market new, “- says the director of retail banking products” Absolut Bank “Emil Yusupov.

Independent financial units of output of foreign automakers in the Russian market did not wait. In March last year at the Geneva Motor Company president, “Toyota Motor” Tomoaki Nisitani announced that Toyota Motor Corporation opens in Russia own bank. It was assumed that Toyota will retail bank lending to individuals buying cars Toyota and Lexus, as well as credit dealers Japanese concern. Passed only a year, and April 4, Bank of Russia registered Toyota Bank in Russia. According to Head of Marketing of banking products and Russian Bank for Development, Dmitry Orlov, the entry of lending to financial departments automakers – is the most obvious trend this year. “Now it is RCI, Nissan Finance. GM offers credit programs with Alfa Bank. The intention to enter the Russian market say BMW Financial Services, Bank of PSA and others “, – says Dmitry Orlov.

Even the “Russian Standard” in its quarterly report with the Securities for the first quarter of 2007 indicated that the emergence of banks by foreign companies could “adversely affect the bank’s activities.” In this report, along with such negative phenomena as’ growth ‘bad debt’ fraud on the credit card market “,” Russian Standard “has called” the expansion of the Russian market for car loans of financial institutions affiliated foreign car. ”

“Right now, the Russian market for car loans out a lot of financial departments of large foreign automakers, offering lending services of physical persons on more favorable terms than Russian banks. This is achieved by a relatively low cost of foreign resources, so that the client offered more favorable (dumping) the conditions for credit programs than they can afford to Russian banks, “- says the head of the development of loan products Binbanka Anton Rud.

In early May, the State Duma deputy Anatoly Aksakov told reporters that the financial division of Concern “Ford” is going to open a subsidiary bank in Russia. According to him, a subsidiary bank will be engaged in lending to consumers to purchase cars, “Ford” in Russia. The desire to open a subsidiary bank in Moscow said, and representatives of the BMW Group: the main task will be to provide bank loans to buy cars BMW. Until the end of the year on the market can also be a bank of DaimlerChrysler – DaimlerChrysler Bank.

According to Anton Rud, financial units of foreign automakers could oust Russian banks are only in the segment of new cars. “The market for loans to buy cars of domestic production will continue for the Russian banks,” – he adds. Today, virtually every bank has a loan program to buy cars with mileage, and auto both foreign and domestic production. True, the purchase of a used Russian car loan is much less profitable than used cars: in the case of the domestic car above the interest rate on the loan and the size of the down payment.

There is another subtlety that applies to all used cars. Despite the fact that credit can be issued for up to five years, in fact it is difficult to do. The fact that all banks operating the vehicle age limit for termination of credit. As a rule, bought by car should not be older than seven years at the time when the borrower is fully paid off the bank. For example, if the borrower wants today to buy a car in 2002, the bank will approve a loan only for a period of two years, ie until 2009.

Another product that is at an early stage will not be able to offer banks by foreign companies – is a credit to not only buy a car without a down payment, but also to protect it. The so-called program “All inclusive” can get a loan for a car, while making a down payment and without incurring any costs when buying a car. The amount of the loan is not only the total price of the car, but insurance and comprehensive insurance, and payment of bank credit on registration. This credit can provide, “Absolut Bank” and the Russian Bank of Development. In the last in April this year, the loan amount was increased to 130% of the cost of the machine. “These additional 30% can be used to pay for the hull and the acquisition of additional equipment,” – says Dmitry Orlov.

For foreign companies, they continue to cooperate with banks and offer special programs with reduced interest rates. For example, the rate on auto loans in the BMW Financial Services depends on the model used car. So, until June 30, 2007 when buying a BMW 1-Series loan interest rate will be equal to 2.9%. And the BMW 3 and 5 Series and BMW X3 and the BMW Z4 will be sold to the client under 4.9% per annum.

The company DaimlerChrysler Financial Services Russia and International Moscow Bank (IMB) under the “Elitkredit” offer special terms for the purchase of cars Mercedes-Benz. The interest rate is 6.9% per annum regardless of the duration of the loan, down payment size and shape confirming the borrower’s income. The maximum loan period can be up to five years.

Some dealers are developing their own deals for clients. For example, before May 31, “Panavto” offers to buy the car brand Mercedes-Benz A-Class at a reduced rate of ? 1 = 33.5 rubles. That, depending on the configuration makes it possible to save around ? 1,000. A similar program promoted and authorized dealers BMW: for example, “BaltAutoTrade” is a special offer on course for the BMW 7-Series, but the truth, 2006 edition. When you purchase a model car price will be calculated based on the ratio of ? 1 = $ 1. And in “Boris Hof” when buying a BMW 3-Series offers deposit service at the dealership. The term of the deposit is unlimited, but the amount depends on the cost of car.

Until July 31 “Avtopassazhe” you can buy Land Rover through the IMB to credit at 2% per annum for the first year of the loan and 9% annually – for each subsequent year. Rate again does not depend on the shape of the borrower income verification. However, to take advantage of this program, you need to make from their own funds 50% of the value of the car. However, such a significant amount of down payment compensated by the possibility to insure bought Land Rover at a special rate Casco 2% of the value of the car.

Ford Motor Company introduced in Russia a new facility, which allows you to buy Ford Focus with a 40 percent advance payment or car Ford Mondeo, Ford Fusion, Ford Fiesta and Ford Focus C-Max with a 50 percent deposit. In this interest rate is 4.9% per annum. This credit can be issued in Gazprombank, MDM Bank, IMB, Raiffeisenbank and “Uralsib”. Ford also announced the extension of the insurance program. Buyers can insure your car for 5% of its value with a deductible of $ 200 for the first year of insurance or for 6,8-6,9% of the vehicle without a franchise.

Along with special programs on certain brands and models being developed and so-called standard software, which can take the money in the bank on any machine. The only condition – the car must be purchased from an authorized dealer. Some banks have canceled initial fees on the loan, almost all the loan terms have increased from the usual three to five years to six or seven. The increase in the loan term can significantly lower your monthly payments on it, making the actual buying a new car for almost every family. “Long-term loans are more affordable, as with the term of the loan is reduced monthly payment. Consequently, more people can afford to use credit to buy a car “, – says Dmitry Orlov.

Indeed, with the introduction of extra-long auto loans minimum payment declined by almost half. For example, for a new Mitsubishi Lancer Sedan 1,6 Invite a $ 17 200 for an initial payment of 20% ($ 3440), taking credit for three years, you will have to pay $ 450 a month. When you register the same credit for five years, monthly payments are reduced to $ 290, and a seven-year loan allows you to spend to repay the loan for only $ 220. Important point: to get the approval of the bank’s car loan is possible only under the condition that the payment will not exceed 40-50% of gross monthly income. So, take a three-year loan for Mitsubishi Lancer Sedan can only family with a monthly income of at least $ 1120. Five-year loan for this car can arrange a family with an income of $ 720 per month, and salaries of $ 560 allows you to buy Mitsubishi, taking a seven-year bank loan.

With regard to interest rates on credit products, a classic car, here, in the opinion of management development loan products PSB Sergei Krizko, they have almost reached its minimum. This is especially true in the currency rates. “FAS for its part is trying to stop the concerted actions of financial market participants, namely to prohibit compensation for interest on car loans by insurance companies. As a consequence – the banks will be forced to compensate for these losses by raising rates or imposing additional charges on at least certain of their products “, – said Sergey Krizko. On the other hand, in his opinion, raising or lowering interest rates on loans depend primarily on bank liabilities. “Now some banks have already implemented or plan to securitized loan portfolio. And if the bank has managed successfully to her and get their hands on long, the resources it can afford to lower rates on loans. Bearing in mind the above, as well as a strong-willed tendencies to reduce the refinancing rate of the Bank of Russia, we can conclude that the abrupt changes in interest rates on car loans by the end of 2007 did not happen, but it may be gradual decline in the ruble rate to 1-1.5% “, – says Sergey Krizko.

Interesting enough tile for the walls provides a well-known design house “KAROSA”. This tile is different from their counterparts that are made by hand from a mixture of marble and colored cement paste. In figures, wall tiles, floral motifs of Greek and Arab murals, African carving, fabric pattern, stylized animals, and other fancy designers. Recent collections for the “KAROSA” Denis Colomb established Italian and Hilton MakKonniko designers associations Gita.

Available in sizes 15h15sm tile. If you do not mind the need for careful and regular care of the tiles for the walls, is, however, only a very frequent washing the surface, you can safely stop at her own choice in the selection of materials for building a country house. A brick or ceramic blocks are ideal domestic. Quality to international standards.

Granite pavers will be safe for pedestrians

In Vladivostok, work continues on the reconstruction of the pedestrian zone in the area streets Admiral Fokin, which the people habitually referred to as the regional center of Vladivostok Arbat. There has already been completed and the relining repair utilities that pass beneath the earth.

For new beds filled concrete bases, updated five fountains. Admiral Fokin on the street again returned to the trees and shrubs. Many of them already planted, the rest will appear after the completion of construction works. Eye of the citizens will enjoy apricots, chestnuts, maple Manchurian fir barbed, Rowan Amur and other trees.

As reported by experts MUPV “VPES” – the general contractor of reconstruction – are now working stack of granite paving stones. This natural material has been selected by experts in their durability and beauty, light bluish-gray and pink shades of stone will make street smart. The surface is not slippery cobblestones, which is important for pedestrian safety, assured the press service of the Vladivostok Administration.

In the near future on the Arbat set new cast-iron lamps with LED energy-saving lamps and benches.