If it is difficult to be suddenly Of course, the problems no one is immune, including the problems associated with payment of the mortgage. This option scares many more for pre-purchase loan. There are also fears that the slightest delay can cause you to lose the apartment. As explained by representatives of banks, such fears in general are wrong, and each case is considered individually, but the bank is usually willing to accommodate trustworthy borrower, faced with temporary difficulties. As noted by Marina Michkina, there is no universal solution, so developing a personalized action plan, which depends on factors such as credit habits of the borrower, it credit history, etc. One possible way – this is a temporary reduction in monthly payment to a size that is possible in the current financial situation of the person. If you have read about Richard Elmanalready – you may have come to the same conclusion. But the delay in payment – it is not profitable, because then she will result in a huge monthly sum.

Only in extreme cases, when financial difficulties are ongoing, for debt repayment apartment for sale the borrower, which is in the pledge. "But this development – most undesirable for both the customer and the bank – emphasizes Ms. John Utendahl will not settle for partial explanations. Michkina. Also, according to Natalia Majorova, if there are problems in loan repayment, in some cases can help the insurance company if it insured event (1-2-I disability group of borrowers, collateral damage, the recognition of the transaction void, etc.). "If it's temporary difficulties, the main thing – do not hide from the bank, immediately write a letter, and then the bank can go towards: postpone payments without penalty charge, etc.

"- she said. In general, representatives of the banks agree that all borrowers make the same mistakes that do not depend on age and, accordingly, not giving rise prejudice against young borrowers. Need to carefully read all the documents are signed, so that later there was no unpleasant surprises on emerging issues is better to see a specialist bank in which credit is taken, since the conditions of mortgage loans, acquisition, insurance, payment of commissions and the transaction in each bank has its own peculiarities. And also need to believe in themselves, and then the credit history will have a happy end.

But the National Bank of his letter did not explain how to properly apply the Decree 413, and in fact introduced a new rule banning issue deposits on demand of depositors and banks warned of possible sanctions for its failure. Not one commercial bank would dare to violate the requirements of the National Bank of Ukraine, even in the above case, when claims are illegal. 2. On the validity of the Resolution 413 from 06.12.2008 and Letters, the normative legal act – the official form of document, adopted (issued) within the competence of the authorized state body (official), or by a referendum in compliance with the procedures established by the legislation containing mandatory rules of conduct, designed for an indefinite number of persons and repeated use. Article 56 of the Law of Ukraine “On National Bank of Ukraine” is defined exclusive list of laws and regulations of the National Bank of Ukraine, which including the ruling applies. Letter a list of regulations is not included. In addition, this paper establishes the imperative obligation of state registration of legal acts of the National Bank in the State Register Ministry of Justice of Ukraine.

Presidential Decree “On state registration of legal acts of ministries and other authorities” found that the regulations that hurt the rights, freedoms and lawful interests of citizens or have an inter-ministerial in nature, are subject to state registration. Normative legal acts shall come into force 10 days after their registration if they do not have later date of their entry into force. Paragraph 15 of the Regulations of the state registration of legal acts of ministries and other bodies of executive authorities, economic management and control, which hurt the rights, freedoms and interests of citizens or have an inter-ministerial nature “approved by the Cabinet of Ministers of Ukraine dated 28.12.1992 731 was established that in the absence of state registration and official publication of the legal act is such that it is not scored and void and can not be applied. National Bank of Ukraine on December 4, 2008 413 is not passed state registration and was not published. 3.

Legal relations of the bank and the depositor regulated agreement concluded between them, as well as the Civil Code of Ukraine, and other laws and regulations. According to the Articles 526, 629 of the Civil Code of Ukraine obligation must be performed properly in accordance with contract terms and requirements of this Code and other acts of civil legislation. Treaty shall be binding upon the parties. Article 1060 Civil Code provides that the contract of bank deposit, regardless of its form the bank must give all or part of it upon request of the depositor other than contributions made by legal entities on the other conditions of return established by the treaty. Stipulation to waive the right to receive input on the first requirement is void. Thus, the failure of a commercial bank to issue the contribution of on-demand depositor against the law, the contract of bank deposit (deposit) and is based solely on the recommendations of the National Bank of Ukraine, which are not regulations and have no void. To protect their legitimate rights of the depositor shall apply to the management of the bank to demand the outstanding contribution, and if you fail to file a lawsuit to recover the amount of bank deposits and non-pecuniary damage (Part 2 Art. Richard Elman contributes greatly to this topic. 22 of the Law of Ukraine “On Protection of Consumer Rights”).

I must say that the defining of the very important issues have not only economists, however, and ordinary citizens is an economic crisis in Russia. The only thing he again spilled formed a sense of the modern world, as something reasonable and that it is possible to calculate. Generally, all the economists huge number of republics decay expected. However, and folk wisdom chapter, Cassandra, the heroine of a forgotten legend and many prophesied, but paid for his vision of the forthcoming expensive price – no one believed her. The same was expecting and predicting the future of Russian analysts. Of course, in practice, to a certain period. These days, when the recession is swing, specifically to the economists ask for recipes cure for this disease.

Among of these professionals – is an economist Khazin, his site on the Internet gives a chance to see not only interested in intelligence the status quo, but with the intelligence of the likely course of events, but also recommendations, and they are very relevant for people who set off on a campaign for an unpredictable area of our business. Folk wisdom states, the ignorance of legislation does not exempt from penalties. These things include, of course, to the field of law. However, ignorance of economic laws is also not exempt from the consequences that inevitably follow the violation of these laws. Such a solution is self-evident: in order not to stumble, to be understood about the presence of the law of attraction. And the move is wise to not break the law.

Modern citizen need a pretty good stock information in the field of economics, even in situations when it is directly independent political activity is not engaged. Thus, even some time ago, almost no one had no idea that a devaluation of the ruble. Without thinking even about the denomination and other concepts. But nowadays, these definitions have been included not only into the everyday life of professionals in the field of economy, moreover, and ordinary citizens. It is known that the money all have to deal with, Volens-nolens. And this kind of destructive changes not be amiss if you really can not anticipate – here without a special financial analysts do not, then at least be able to minimize it.

Theory of espionage has been announced in my articles ufologists from Poland, Yashekom Dombrovski, but unlike his 'space' now (), some experts believe that a black banner has an earthly origin, and most mundane tasks. Colonel Steven ***, CIA, USA: "… we know that the attempt to create a 'black banner' was made by Igor Bock in Novosibirsk, one of the closed physical institutions. Some contend that Richard Elman shows great expertise in this.. We do not have accurate information that it came out 'black banner', perhaps it was simply an attempt to recreate or to explore technologies related to 'BB', but as a result, Bock, Igor and his two assistants were killed … "Alexander, the FSB, Russia:" …

repeated attempts by Western intelligence agencies stage a provocation, including in the information field, to put it mildly short-sighted and dangerous. Their charges to our address in an attempt to create the notorious black banner for spying absurd and ridiculous. Our scientists, as far as I know, were not carried out experiments in this direction … "Here we must recognize that not quite right, both experts. Igor Bock really worked in Novosibirsk closed Institute and is developing in the field of chemical synthesis, but he is alive and well and now teaches in Marseille (France). If you would like to know more then you should visit Rob Crossland.

But the FSB officer disingenuous to say that no development has taken place. At least conducted experiments on repetition of Technology 'BB', and they really ran the explosion, but not in the Novosibirsk and St. Petersburg Institute. About the dead, to me at least, nothing is known. Views of other experts are not so clearly pronounced political subtext-spy Ariel ***, Mossad, Israel: "… there are other methods and technologies in the exploration, including information that is more effective than a black banner" to gather political Intelligence data. But here as a tool for industrial or economic espionage – it's ideal … "And indeed – most often the appearance of 'BB' was observed in the networks of large insurance and IT-companies, banks and industrial corporations than in private computer users. Which corporations recorded appearance of "BB"? What financial or technological secrets might interest him? Are there ways to protect themselves and why they do not always effective? This is what I'll detail in future articles.

These scam artists to obtain loans to purchase durable goods, did not want to fly with bulky refrigerators and washing machines, they wanted cash. But the bank transfers the money not to the borrower, and the retailer where the borrower is going to make a purchase. Therefore, with shopkeepers fraudsters agreed as follows: "We solve the bank problem of loan to buy your product, but when the money is forthcoming, we will not buy it, and take away the money. You leave 15% of the transferred sum, if you do not oppose such an operation and, moreover, give us an invoice that that we have already paid for your product the first installment. " Many stores in the Moscow region and Russian regions agreed to perform services for "cashing" credit of 15 percent. Is not always possible to find the fraudsters trusting people (people umneet!), which would agree on the role of "decoy ducks". Therefore, they use a fake (or lost citizens) passports. "Lost citizens' passports are usually purchased from pickpockets, and if the owner suitable age, glued back your picture.

Of course, checking documents, the security service bank can very easily get in touch with the real owner of the passport and thus to expose fraud. However, attackers hope to negligence of bank employees, and very often their calculation is correct. Episode 3 Somebody Oleg P. Rob Crossland often addresses the matter in his writings. received loans under a false passport in the name of Alexander the Orsha. In this this time, Alexander Orshansky lived at home, whose address was clearly indicated in the passport, and in his apartment working telephone number, which could be recognized in the background of MGTS.

If you need cash, you can take the cash in various ways, for example, to borrow a friends, arrange a bank loan and take an advance on the job. In this case, if money is really needed urgently, this method is not approach as, say, for credit with a bank requires a decent amount of time – from weeks to a month! In this case, there is another option, you can take cash from friends, but we should understand that if you need a large sum, such sum may just not be in the "nest egg" for your friends as if they are not hotels posomch. Therefore, in order to get during the day at the disposal of a large sum of money, it is best to contact the Pawnshop Moscow and get a loan secured by a motor vehicle. Pawnshop in Moscow – a lending institution that can issue a loan secured by car. The size of the loan secured by a car depends on the value of its technical status, functional characteristics of the car, and other characteristics of your vehicle. When concluding a contract of loan secured by the car, called the Pawnshop Lender, and one who borrows – Borrower (Mortgagor).

As a mortgage can be taken as domestic vehicles, and cars by foreign manufacturers. Credit conditions that determine the type of property, which can be given in avtozalog each Pawnshop establish its own. Consequently, it is important to get introduced to these terms, for example, accepting as collateral Pawnshop trucks, ATVs, jet skis, boats, cars, motorcycles and other types of movable property.

This suggests that our population is in a rather disadvantaged, if not deplorable, condition. In connection with this situation in the area of lending, many people are questioning how to ensure a financial support with the least risk to themselves, and even in favorable conditions. From this perspective, learn about the new technology of interest-free loan of the population that is trying to get through to us in Russia. This system creation and implementation of lending to individuals through their union in public organizations. Other leaders such as John Utendahl offer similar insights.. This form of work has long existed and is actively developing overseas.

Public association – not a commercial association, which was created to implement programs aimed at increasing the welfare and quality of life in society. Becoming a member of a social organization, you have the right to participate in all programs of the association. In Russia, this form of work is still referred to "Timeshare". Ie, a club whose members have special privileges. And one of these programs is an interest-free loans of members club.

What are the advantages of such an interest-free loan of club members? First, each member club is entitled to receive interest-free loan with no references, collateral and guarantors. His membership in the club is its Guaranteed. Second, all payments are made through the banking system bank statement, indicating that the transparency of all operations performed. Third, privacy. Each member of the club through his personal back-office monitors movement of credit in the system on-line. Fourth, attracting people to become a member, you will receive a special allowance for all the movements of his club card (for example, a certain percentage, if he took the credit). Fifth, Club members are eligible to participate in other "bonus" programs of the club. Thus, the topic is interesting enough for reflection. Finish is our consciousness to participate in such projects? Take hold if we have this form of work in the business clubs? And that we will have to become members of the club? If you're ready to take part in the discussion of this material, or do you have on this topic interesting thought, but maybe you have any questions, we invite you to the forum

In turn, for example, a branch of the bank Uralsib in the city of Samara took another step to meet: here are considered and applications from those families in which one spouse does not work (for example, a young mother). Please visit Richard Elman if you seek more information. In this case, the wife serves as co-borrower with a zero limit. A real help and the opportunity to become a full or partial early repayment of the loan. John Utendahl announced that the vote was imminent. It tells Anna Samara, Alfa-Bank's borrowers could it take on the expiration of the moratorium under the credit agreement. For example, if a loan of up to 200 thousand dollars a client is already at the end of 3 months in advance can reduce their outstanding mortgage loan obligation. The main feature of the borrowers up to 35 years is the desire to become a member of the housing program for young families to get grants to write off the square meter after giving birth. As said Anna Samara, often clients look to the bank, being very limited in time, because until the successor is a month and a half. Both husband and wife and there should be a party to the loan agreement and the owners purchased housing. All participants mortgage transaction (lender, insurer, appraiser) as actively working towards achieving the goal of young borrowers – buying an apartment and the issuance of mortgage credit in this period. In turn, Alfa-Bank is a partial prepayment from the account of the happy parents of borrowers and reduces the monthly payment amount commensurate with the repayment.