November 2015 ~ Mortgage Insurance Low Loan Attorney Risk Management Donate

Mortgage today - financial slavery or the winning ticket?

Mortgage today - financial slavery or the winning ticket?One of the most important financial topics today remains a mortgage.This is a great decision to change their living conditions in a very short period of time.It is important to understand that the financial dependence of the bank may not be oppressive on the psyche of bondage, but a real opportunity to get what you've always dreamed of.To little to dispel the clouds in search of the truth and...

Rrates! Long live the HMLA!

HMLA reduced rates! Long live the HMLA!Question: "How to lower rates will be reflected in the mortgage market"?In answering this question, it makes sense to talk about the different time intervals.If we consider the time interval 2 - 3 months, the mortgage market is not affected almost nothing.It will be easy-lung revival of demand, not more.Why?For mortgage lending needs stability: a stable job, a stable salary and confidence in the future.Such...

It is funding the developer increased risk for the bank.

It is funding the developer increased risk for the bank.Banks actively lend to real estate investors, so they bought an apartment from the developer, becoming participants of shared construction.But few banks have issued loans for the construction of apartment buildings directly to developers.Why is this happening?What are the risks they see banks in financing real estate developers?What additional risks occur in connection with a possible ban of...

Association Akon launches associated with informing the citizens and professional community in the field of housing.

Association Akon launches associated with informing the citizens and professional community in the field of housing.On the website of the Association of companies serving the property (Akon) to the end of August this year it is planned to create a special section, which will come all the questions related to the subject, and housing problems. Priority Akon is planning to advise and support the professional community: management companies -...

How to get the approval of the bank for a loan

How to get the approval of the bank for a loanChoose banking program with the most favorable interest rates - is half the battle, because the more important to get approval: what's the point in a low interest rate at which the loan will, but do not you?By submitting documents to the bank should take into account several factors:1. Clothing should be neat and match the position. Not in the sense that if you, for example, a house painter, you...

Requirements for the pensioner for a mortgage

Requirements for the pensioner for a mortgage:1. It is no secret that in retirement, many continue to work for a long time. Accordingly, the first requirement - it is the experience at the same place must be at least 6 months.2. Your income must be sufficient to repay the loan and a comfortable existence.3. As a rule, banks are considering pensioners, if they turn to the bank before the age of 65.Mortgage pensionersGet a mortgage pensioner difficult,...

The criminal case on the accident. What possible punishment and where to go for help?

The criminal case on the accident - perhaps one of the most difficult types of legal practice. The driver who has violated the rules of the road and caused harm to the health of another person, and witnesses of the incident are often diverge in the testimony, and they do not always do it on purpose.Blame can be a normal shock, which, however, very difficult to parse circumstances. The situation is complicated when it is clear that an accident may...

The lawyer for an accident in Moscow

The lawyer for an accident in Moscow Why you may need the assistance of counsel for the accidentIf you own a vehicle, you should always remember that you are solely responsible for their lives and for the lives of the passengers are with you. Being a law-abiding party movement should be everyone, but no one is immune from the emergency. If you are involved in a road accident in Moscow, there is no need to panic and spoil the nerves. Just call...

How to pay less for the loan?

How to pay less for the loan?There are situations in life when due to unforeseen reasons, deteriorating financial condition. As a result, there is no possibility to pay the fixed amount of the loan. In this case, better to go to the bank, rather than wait until it submits a complaint to the court. There are several ways to reduce the mortgage payments.1. RestructuringThe lender agrees to make concessions, at the request of the borrower. You can ask...

5 professions, representatives of which will not give mortgages

5 professions, representatives of which will not give mortgagesRegularly resorting to short-term consumer loans, the majority of Russians do not think that trying to get a large sum from the bank with great maturity, for example, a mortgage may be doomed to failure, despite the sufficient amount of stable earnings. The fact is that every bank there is a list of professions, representatives are not mortgage loans. And in this case we are not talking...

Financially illiterate customers for the benefit of the bank or the problem?

Is it profitable to bank financial illiteracy customer?Every year, our banking system and maintenance causing increasing resentment and mistrust on the part of their clients. On this evidence the reviews submitted by our visitors. Hardly has any sphere of financial activity (except trade binary options) boasts so many angry statements and "curses" These responses suggest potential bank financial institutions that 'clean' banks in our country have...

Financial System

The night WatchThis in the history of the Russian financial system did not exist. Central Bank raised its key rate in the night and once at 650 basis points - up to 17 percent per annum. It is clear that if he did this afternoon on Monday the economy would not escape the collapse yesterday. And most to the Bank's Russian political scandal. However, that did not happen on Monday, it is now unfold in the coming days.The night of 15 December 16 will...

Credit insurance

Credit insuranceOn October 1 in Russia come into force amendments to the law on motor insurance. Now, car owners were able to buy policies over the Internet. As planned by legislators, this measure should increase competition between insurance companies and eliminate cases of denial of registration of mandatory policies. However, nearly twice risen in price the service became available. But a growing number of false forms of insurance.Obuem All RussiaThis...

Work with an insurance company: a promising and profitable

Work with an insurance company: a promising and profitable InsuranceToday in Ukraine there are about 250 insurance companies, and many experts believe the insurance business one of the most promising and fastest growing. In this industry you can be fast enough to make a career.It is very important that many companies are actively recruiting young people with no or minimal experience, because the staff is just not enough. So, if you are a young...

Tasks underwriter for an insurance company

Tasks underwriter for an insurance companyInsuranceUnderwriter describes, evaluates and classifies the risk. Underwriter - a person whose signature is to literally worth millions.Underwriter - a specialist in the field of insurance. Literally, "underwriter" means "signature on the risk." Underwriter describes, evaluates and classifies the risk, forms the insurance portfolio.The duties of the underwriter enters Sight on behalf of the insurer's insurance...

Insurance agent - seller "drugs from fear"

Insurance agent - seller "drugs from fear"InsuranceToday, the agent - the main person of any insurance company. Rare client comes to insurance companies alone, it is necessary to find and motivate.This is what these experts are engaged, by which sold more than half of policyholders.It so happened that many insurance agents associated with the employees once the only one of its kind Gosstrakh. In fact, the profession is much older - even before the...

Insurance details

Insurance detailsInsuranceThe insurance business was developed in the early 90s. Then employees of insurance companies were universal: to enter into contracts, estimated the value of the objects and the risks involved in payments. Today in this area there is a clear division of labor.In general, any insurance company employees can be divided into two major groups: the front office (those who have direct contact with customers) and back-office. The...

Insurance agent: duties InsuranceInsurance agent - representative of the insurance company. It operates on the conclusion of contracts of property and personal insurance.Learning regional conditions and the demand for certain insurance services. Analyses of the regional contingent of potential customers, serving individuals and entities representing the institutions,...