PostHeaderIcon Main risks when buying an apartment in the secondary market

June 1st, 2018Author: Justin

The secondary real estate has its advantages: the house is already built, the area is habitable, and the infrastructure is developed. But the risks when buying an apartment in the secondary market, perhaps even more than in the case of new buildings. Here are the best tips to find your property.

  1. Purchase under false power of attorney

Black realtors do not slumber; their victims can be lonely old people, people who are dependent on alcohol or drugs, orphans. This is their apartment swindlers reissue on front men and put up for sale, the owners are discharged and resettled in the deafness. Since scammers need to act quickly, they usually underestimate prices. Although the low cost of housing is only the first sign for the buyer.

  1. Illegal privatization

Each apartment in the secondary market has its own history. Begin testing after the privatization of housing. The fact is that in this procedure all those who were registered in the apartment were to participate. And if one of the members of the family has forgotten about the rights, for example, the mother privatized the real estate while the son was serving a sentence, then as a result you will suffer as a buyer. The deal could be declared void due to illegal privatization. Watch out if at the time of the transaction the spouse or spouse of the apartment owner is declared disappeared. An absent relative can appear in a few years and claim their rights to the apartment.

  1. Uncoordinated sale

Find out how many apartment owners have. For sale, both spouses (or former spouses who were married at the time of buying the apartment) must agree. If there are underage children among the property owners, the bargaining and guardianship authorities should approve the transaction. In other words, absolutely all apartment owners must say a decisive yes. If one of them does not do this and after the transaction declares his rights, it is recognized as invalid.

  1. Unaccounted-for inheritance

Check how many times that apartment was bought and sold, how it got to the last owner. The apartment could be donated or inherited. It should be clearly checked on the documents, cannot other relatives also be the heirs of this apartment. If the rights of these people in the sale of real estate will be violated, the transaction may be declared void.

  1. Debts on contributions for capital repairs

Finally, after buying an apartment, it may turn out that the previous owner owes a decent amount for a major overhaul of the house. Unpaid contributions for capital repairs of mono-apartment buildings are transferred to a new owner of housing. Therefore, check the existence of debts before the transaction is processed.

PostHeaderIcon Great Ideas for the best Mortgage

July 7th, 2018Author: Justin

Banks are the most loyal to borrowers with a bad credit history. Of course, this is not about malicious defaulters, but rather about borrowers with rare or objectively conditioned violations of credit obligations. These banks can approve the borrower’s application with overdue more than 90 days, but he will need to provide an explanation of the reasons for the debt or close current loans, rarely – even correct mistakes in the credit history when the borrower is credited with “non-existent” violations.

Belong to the number of banks that give feedback to borrowers with a bad credit history – they argue their refusal and suggest ways of solving the way out of the current situation as said by the mortgage broker GeelongĀ .

How do banks check applicants for mortgages in practice?

Can an officially unemployed person take a mortgage?

Rating of banks on the level of loyalty to low income of borrowers

Commercial banks

As a rule, they adhere to the “50 to 50” rule and approve a loan amount, payments on which should not exceed 50% of the total income of the borrower.

State-owned banks

They use a more flexible income assessment system and often endorse the maximum possible loan amount for borrowers, at which about 70% of the total income can go to monthly mortgage payments.

Early repayment due to the reduction of the period, but the bank accepts only as a reduction of the monthly payment. If you need to reduce the period, we proceed from the fact that the monthly payment does not actually change, therefore, if the bank can accept the early payment only as a result of reducing the payment, we correct this decrease. Monthly early payment so that the payment remains fixed, so you will simulate a permanent payment, this increase will increase monthly on a monthly basis. Payment will be reduced.

All these tips require internal discipline and responsibility, because the bank will ask less and need to force it to give more, but in general they will allow you to feel more free and less loaded with a credit burden.

Principle Seven

This item is very important for women, but men often can do without it. Allocate a certain amount for … bullshit. This includes shopping with sudden small purchases, going to the movies and so on.

 

Be sure to have funds for unforeseen expenses. This includes gifts, visits to doctors, and unexpected breakdowns of household appliances. It is better if it is a fixed percentage, but you can proceed from the remainder.

There it is, the most important moment! Check if your expenses exceed your income. If this is so, count it all over again, make corrections; think about what you can refuse.

Now you have calculated your monthly expenses and can plan the amount you are willing to save to buy an apartment or an initial mortgage payment. Make the amount you put aside with an untouchable stock (for example, transfer it to the bank into an account from which you cannot withdraw money within a year). You will get used to part with this money, and in the future it will be easier for you to make a monthly payment on the loan.

PostHeaderIcon True Opportunities for the Right Laminate Flooring

June 10th, 2018Author: Justin

Laminate is a multi-layered synthetic product, fused together in the lamination process. This type of flooring can accurately simulate almost everything – wood, stone, even photographs or scanned images of everything that you can imagine – by coating photographic layers with applications with a transparent protective layer. The inner layer usually consists of melamine resin and fiberboard.

  • Laminate floors are constantly gaining popularity. They were invented in Sweden in 1977 under the name “Pergo”and then arrived in North America in 1994. Due to its durability, natural hygiene, ease of installation and maintenance, laminated floors have become a cheap alternative to parquet, stone and tiles.
  • Glue-free laminate (laminate boards knocked down without gluing tongues and grooves) was invented in 1996, also in Sweden. Nevertheless, the system for joining the panels was developed by a competing Belgian company and released a year later. The use of the good cheap laminating flooring is now here.
  • Laminate, as a rule, is packed on several tiles, which can be pressed into each other.

It is vitally important to keep the laminate clean. Dirt and other particles can scratch the surface in places of mass congestion. It is also necessary to keep the laminate dry, as stagnant water can cause deformation or swelling of the laminate, although some brands are made with a waterproof coating. Protective caps on the legs of furniture also protect the laminate coating.

To facilitate your task and simplify the cleaning of the house, we decided to collect the best household. In this post you will find budget ideas for replacing expensive detergents, and even learn how to extend life to your favorite things and easily get rid of stubborn stains.

All in express mode

Everything with you

A small plastic box is an indispensable assistant during the spring cleaning. It will save you from having to walk from room to room with the detergents left. Put them in a box and carry it with you. A well trained part time cleaner is important here.

Full order

To simplify and speed up household cleaning, put things in order in the kitchen cabinet, where you store detergents. Hang the hooks for rubber gloves; carefully fold up the rags and brushes – now you will be much easier to find everything you need.

In the fight against greasy stains, use folk remedies – for example, alcohol or soap solution. Be sure: they will cope no worse than an expensive purifier. Simply moisten the sponge and boldly go on the offensive.

Clever disguise

Did you lose your favorite leather chair? Rest with shopping, because the shoe polish is the perfect remedy for scratches and abrasions. Just do not forget to let it dry.

PostHeaderIcon Drive out mice successfully

June 9th, 2018Author: Justin

What helps against mice? Are there any remedies for mice that can drive mice out of the body without a risk? If you are sure that you have mice in your own home, you should first keep calm and not rush into hustle and bustle.

Mice find their way into people’s homes mostly via cable ducts, cellar corridors or supply lines. The strong sense of smell makes it easy for mice to find even hidden supplies. The thoughtless storage of food and supplies thus favors a mouse affection as well as too careless handling of garbage.

Here you will find information and valuable tips on how to do mice removal and which home remedies for mice are suitable for preventively preventing immigration and the nesting of mice.

Means and tips against mice: what really helps!

What helps against mice? In order to be able to drive out mice, one should first find out how they were able to penetrate their own home at all and what specifically attracted them. The first step is therefore to eliminate possible damage and weak points such as masonry openings, open basement windows, etc.

When it comes to the question of what helps against mice, it is also about rethinking their own handling of food, supplies and waste. Objective: The food sources of mice must be removed. If you follow the following tips against mice, it should at least succeed in the future to drive out mice and prevent another infestation.

Mice evict: removal of building damage

Door columns – mice already meet minimum door cracks and wall holes to penetrate into the building: already pencil-thin holes of 6-7 mm ranging from mice to squeeze through. Therefore: In order to sell mice sustainably, doors should be equipped with so-called brush strips or door rubber lips.

Wall and ceiling openings – joints in areas of wall or ceiling openings between rooms and floors, especially for supply lines, should be sealed and sealed with suitable materials. Also tube cuffs can help here. Another means against mice is the sealing with suitable metal sheets, especially in wood wall and ceiling openings.

Shafts of lifts – Lift shafts may also be the reason for the spread of mice or rats. Rodents are excellent climbers and can even run up smooth walls In this way, mice spread over cables, risers, etc. at lightning speed throughout the building. The field of drive motors in lift shafts often offers mice a relatively undisturbed area for nesting.

Other – There are other ways mice invade the building. A tree approaching the building can be just as much the cause as affected goods deliveries.

PostHeaderIcon Perfect Curtains Now Available In Singapore

June 3rd, 2018Author: Justin

When choosing fabrics for curtains, it is important to remember that in certain lighting and in combination with different colors of decoration, textiles will behave differently. Therefore, to begin with, select in the cabin several samples of suitable tissues and take the final decision already on the site.

  • You can also choose textiles in the process of rough repair, if there are samples of finishing materials on the site: floor covering, wallpaper and furniture finishes. For the best curtains in Singapore you will need the best options now.
  • When choosing textiles, one should pay attention to its practicality in application and further care. For example, natural fabrics have shrinkage properties, so it is worthwhile to provide an additional stock to the height of the product.
  • Virtually all fabrics tend to burn out in the sun, so the lining is a compulsory part of the drapes. Synthetic fabrics are less whimsical in grooming than natural ones, so keeping them in perfect condition is easier.

Treatment for Jaundice

At various kinds of jaundice in national medicine of the countries of South East Europe the following phytotherapeutic agents are applied:

50 g of the root of the root of the thorn, add water (0.75 l), simmer over a low heat to a volume of 0.5 l. Take 1 glass 3 times daily for half an hour before meals for 5 days. In the next 4 days, take a decoction of alder bark (20 g per 0.5 l of water) 2/3 cup 3 times daily before meals. There are more options that are good atĀ  jaundice home treatment.

Mix 100 grams – roots of nettle and barberry, grass of basil and garden chabera, celery, walnut and lemon balm. 3 tablespoons of the ground mixture pour water (0.7 liters), simmer on low heat for 10 minutes.

Chilled broth strain, take 75 ml three times daily for half an hour before meals for 7-10 days.

Collection of 5 grams of peppermint leaves, sage herb and angelica roots, 4 grams of ivy leaves, budra grass, wormwood, dandelion roots, 3 g of herbs mill, pour 1 liter of water at room temperature, insist 5 hours, then heat on low heat to a boil. “Cool 15 minutes. Filter and take 1/3 cup 3 times daily before meals.

Collection in the composition of crushed yarrow, sweetheart, mountain shepherd, shepherd’s bag, leaves of birch, the roots of gentian pasta, 2 g of althea roots, leaves and petals of calendula, the flowers of the multi-leafed pourer are poured with water (1 L), insist 5 hours, boil for 5 minutes. And cool for 15 minutes. The filtered product is taken 2/3 cup 3 times a day before meals for 1 week.

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