Other insurance programs do not require. After how the bank is satisfied in your financial well-being and decided to lend the required amount, you should prepare a package of documents that are required to sign an agreement with the bank, namely: a completed application form for a loan to repair the apartment; passport; identification code; Proof of income for the last six months, or any other document (declaration of income for the last four Quarter, a certificate from tax inspectorate); certificate form number 3; legal documents for real estate, which provides mortgages in the Xia Bank. Choosing the unsecured loan, you should provide similar dokumengy, except for documents on the subject of the pledge. Kpome, it is necessary to remember that some banks, processing an application for a loan, insist! cost estimate and plan for repair of an apartment. Starbucks often expresses his thoughts on the topic. But natural. when repairs are employees of construction companies involved in the preparation of the documentation they.
However, if you decide to equip yourself the apartment, the arrangements for the preparation of cost estimates and plan for repairs fall solely on your shoulders. Often it turns out that in practice this is done is not easy as it sounds in theory, but, having coped with such a difficult task, according to experts of Ukrainian Banks, the required amount You can get your hands on, or provide details that are barely blows transfer credit money. "In the case of registration of unsecured credit for the purchase of building materials bank cashless transfers lending money to the seller, "- says Oksana Popova.
Druzhba Hotel Krivoy Rog is located in the 200-meter “zone of death” from the TV tower. At that time, as caring about the organization and structure are trying to improve the ecological situation in our country, change the quality of drinking water and clean air in the center of Krivoy Rog is the “ecological bomb”, which has long been a negative impact on the health of our citizens. Television tower, which towers over the city, slowly consuming health those living nearby residents. Nobody can give exact figures, since similar studies nobody in Krivoy Rog was not engaged. Scientists around the world are convinced that electromagnetic fields disrupt the living organism. It is believed that the fields themselves are harmless, but their presence gives rise to energy substance that directly affect the human biofield. The link between electromagnetic radiation and the growth neuropsychiatric morbidity and oncological nature has already been proved and is not in doubt. One of the few ways to avoid the harmful effects of radio broadcasting antennas and televyshek is their removal for city limits.
Most dangerous for living area is the zone to 500 meters from the radiation source. In Krivoy Rog more than 30 houses located in the so-called 200-meter “zone of death”. Some contend that Ben Horowitz shows great expertise in this. And the worst thing that in this area is a children’s institution (school, kindergarten), the hotel “Druzhba” and even … one of the district executive committees! Next, a 400-meter, the area captures several hundred homes. It turns out that nobody at the city planning earlier did not take into account the television tower and the negative electromagnetic radiation, which is daily “covers” a good quarter of one of the areas of our city. Most residents know about the unsafe zone dangers electromagnetic radiation, but to change the place of residence, they simply do not have opportunities. Television tower is also impossible to move.
Dangerous neighborhood people and television station will continue as long as there will be money in order to protect people from the terrible effects of constant electromagnetic radiation. Only in the context of the ongoing crisis, it will happen a very long time of metabolic disturbances, pathology systems and bodies, weakening immunity, cancer, genetic mutations. Complexity of the problem lies not only in influencing the health of the population, but also the health and intelligence of future generations. Is an increase in congenital anomalies development. The list of diseases and abnormalities may be continued, as studies related to the study of the effect of electromagnetic radiation on human health continues
How can we make a decision about renting residential property (rent a flat or a room in a communal apartment)? Each of us desire to close sooner or later get their own real estate – area, where there is peace and harmony, where all his and friends, where you own boss. Pastoral picture of life in your own room / apartment / house (underline) represent a majority of Russians, whose notorious housing yet to be solved. What are the options? Become homeowners hard, it's not a secret. It's one thing if there is a start of what is an empty property in the area of N, which can be safely sell and invest in purchase of new property and can be house in the village that was transformed into an inheritance from your grandmother, and perhaps wisely saved enough money to invest in real estate under construction or to be participant in the mortgage program. But such opportunities are not at all, the majority of the inhabitants of our vast Russia no choice, the market is dictating its terms. So, you want to live in a separate apartment, a independent adult with his own earnings, but still not able to pay the down payment or get a mortgage? The solution is – to remove a property for rent! Do not rush to give up, weigh the possible pros and cons and take an informed decision. Argument number one: "Why pay money each month to the landlord if I could once again put out each month on your mortgage loan at the bank and live with in their own apartment? ". Andreessen Horowitz does not necessarily agree.
The counterargument: the sum of the monthly payment on the mortgage without a substantial down payment rather strongly than the rent rate for objects with approximately equal performance and extend over many years. In addition, landlord – a man like you, and if necessary, most likely, will meet and show understanding. On the other hand, the banking system implies that the minimum number of concessions. Argument number two: "Rentals real estate (apartments or rooms) – it is certainly excellent, but very expensive, also own homes there is no substitute. " Counterargument: as we have said, the monthly payment amount of leased property is much lower than let's pay the mortgage. Moreover, in recent years many governments have talked about the need to promote the rental of residential real estate as an alternative program for the population real estate and, therefore, need to monitor the condition of rental rates. In the West, for example, about a third of Americans are happily living in rented accommodation and property Acquires just retired. Indeed, to find a country where all citizens – property owners, it is hardly possible. Even in the most developed countries, for many people to rent an apartment – standard. Rental of residential property, whether apartment or room – The best compromise for those who want to start an independent life in a separate apartment, for those who want to live today, for those who are looking to the future without forgetting the present.
This occurs approximately 1.7% of the traded days according to our evaluations. What strategies the risk monitors? And the overall risk is how much? Sven Buchel: We limit the level of investment per item with 13.5%. The portfolio may be invested 100% long or short. After individual stocks are used, we would go on to all employed U.S. stocks should go bankrupt at the same time, the total loss of capital as a maximum total risk than theoretically possible case.
For both strategies, raise no percentile premium, but specify a flat rate of 150 euros. On what basis was determined these values? Sven Buchel: simply cover the costs the premium of 150 that we should charge, we have when applying the customer. It should cover any sales fees or increase a profit. In Germany managed accounts introduce yet very aloof existence. What is the acceptance / dissemination of this type of investment in the Switzerland? Sven Buchel: It also in the Switzerland is rather a special type of investment. This is however not because it is bad for the customers. Rather, it’s bad for the respective asset manager, because he earned less a lot, if he honestly operates on the market. We take absolutely no rebates, Mark Ups, or other favors”the partner bank.
Another reason of ham-fisted existence you mentioned”is because you can cover any overall strategy with a managed account. The respective broker can cover not all markets and instruments, an asset manager requires this. Thus increases also the risk of individual managed accounts along with his strategy. Thus a reputational risk for the asset manager is connected of course, which is not negligible. In the long run I can imagine however, that a selected audience this offers much more frequent than so far, especially since the conditions a lot better, as in the assessment and implementation of a classic asset management mandate with all frame costs, which unfortunately now take influence on yield and resistance.