Posts Tagged ‘financial’

Spanish Red Cross

Climate – unique: sunny days per year, about 300, and rainy – not more than 20-30. In the summer there is no heat in the winter – cold. Excellent wines, fine cuisine, beaches, sea, holidays with carnivals, architecture, museums, the "Real" with "Barcelona" and, most importantly, very friendly people. Well do not wonder that the inhabitants of Europe, and now our Russian people choose this fertile country – Spain – for the rest of your family and friends of business, making investments, and even the choice of this paradise for permanent residence. The latter, incidentally, the Spanish make is much easier than any other country in Europe. What man in the new location must first place? Sure, housing, Spanish real estate. Agree, sounds good. "Apartments on the Mediterranean coast!" Why not? But look at everything in order.

Frankly, most preferably to acquire housing in the suburbs, or in other words, outside the city limits. Here has its advantages. At the same improvement and infrastructure – the quiet, green, quiet neighbors and, most importantly, lower cost favored by your home. More profitable If your house is unfinished or built recently. Due to an increase in property prices in a few years you can, if desired, by selling it to recover their money, receiving an amount exceeding two-time spent. Prices Property in Spain are growing at 15% per year. Demand is not falling for years. Speaking of the apartment.

Do not be afraid of such a gorgeous word. It's just an apartment, and the cost of new apartments is around 250 000 euros, and bought on the secondary the market can cost 4 times cheaper. When you go into a house you liked, you will not find that all that can be removed or broken, former owners had already blown. So, unfortunately, made in Russia. Here, you will not have once buy a lot. The apartment is equipped with a heater is always water, kitchen furniture, bathroom fixtures, built-in and wall cabinets and shelves. Education and health in Spain tweaked perfectly. Itself a level of service professionals from medicine will depend on your ability to pay. If you do not have any insurance documents, emergency departments will have in the Spanish Red Cross. However, having a view of the residence, we can already count on the free basic medical care and emergency medical care. A lot of it. The education of children begins with three years of compulsory schooling but – with five. After studying for six years, Your child goes to secondary school and after graduation, to take courses that prepare for undergraduate degrees. This status will allow him to pass the exams at the university. That's all: real estate property in Spain issued, children are arranged. A new life begins.

Banks Will Help Start A Business

Last week 'Sobinbank' issued its first loan to start a business – entrepreneurs have received from the Bank of 5 million rubles for opening a beauty salon 'Person' for the franchise. 'Credit for biznesa.ru' asked the bankers to assess the role this event for the development of bank lending to small businesses in general. Dmitry Melnikov, head of the Directorate of Client Management Small Business Bank URALSIB I do not think that this event will become a kind of impetus for the Mass lending start-up in a small business, all banks that are serious and not declaratively engaged in lending to small businesses – are universal, rather than investment. It is unlikely that they will start handing out en masse credits for opening his business – a strategy not the same. Another thing is that some transactions will take place in the framework of special programs adopted by banks. Most often, these transactions will be ad hoc, as far as possible be conducted in partnership with the parastatal Assistance Fund lending to small businesses, either through established banks themselves venture funds – especially for lending to start-up high-tech or manufacturing goods and services with high added value, as well as in areas with below-average level of competition. By the way, and the state nasozdavav funds to support small businesses, not too actively sponsors the kind of clients. Perhaps the only exception – a venture fund created by the Department of Small Business of the Moscow Government and AFK 'system'.

Hong Kong City

In the future, the ruble should strive to rise in price, but this should happen radical restructuring of the economy Russia, it must be completely re-engineered to create high-tech. 23.6 rubles per $ 1 – a course that we saw in the summer of 2008, was the limit. Further appreciation of the domestic currency simply would have led to closure of many Russian enterprises. At 17 rubles to the dollar before the crisis the Russian economy could not exist. By the way, from the January index implies that the euro is overvalued against the dollar: the euro area, Big Mac worth 24% more expensive. The most expensive Big Mac sold in Norway, where they cost $ 5.79 – this means that the Norwegian krone overvalued by 63%. For more specific information, check out Spurs. The most undervalued currency is Malaysia, “sandwich” it’s cheaper by 57%.

In South Africa, Big Mac Malaysian expensive just seven cents – $ 1.66. Still remains undervalued currency of Hong Kong – 52%. The biggest drawback to “Big Mac index” in that it reflects the value of national currencies still not exactly, because not take into account that different countries have very different consumption patterns. In addition to its famous Big Mac International Corporation McDonald’s is notorious for conducting a thorough investigation investment climate in the city and region, where it plans to open a restaurant. Therefore, the decision to open a restaurant “McDonald’s” – a kind of international recognition of the economic and investment successes such territory. An example is the Tver Oblast city favorably situated between two Russian capitals, with a population of about 500tysyach people (with a smaller population of the city attractive to McDonald’s very rare) a McDonald’s does not have (high rent and taxes, low purchasing power, etc.). Regional administration and city say anywhere on the investment attractiveness of the city and region, but This appeal is only in words.

McDonald’s in Tver, yet only one intention. Administration of Pskov region Pskov with a small (200,000 people) made a valiant effort, to interest the McDonald’s, but the project has not yet received. Even a whole country such as Ukraine, for several years did not meet the criteria of McDonald’s. International Corporation McDonald’s long doubted stability of the economic situation in Ukraine, and only in 1995 concluded that the favorable conditions prevailing in the country for its activities only if there were Ukrainian company McDonald’s with a network of 85 restaurants.

Kreditmart Presented

Today, the company Kreditmart, the first professional financial supermarket, is the analytical index of the state of the Russian mortgage market of new buildings – Kreditmart Index. New development "for December 2010 "Kreditmart Index. New development "shall be calculated by analysts the company Kreditmart based on an analysis of proposals of 14 banks that are major players in the mortgage market of primary housing market and included in the Top-25 largest mortgage banks. The index includes a weighted average of the absolute value of fixed rates in rubles and U.S. dollars on mortgage loans to buy apartments in the primary housing market in the construction phase (Prior to the registration of real estate), a growth of these values in absolute terms, the difference between the weighted average interest rates during construction (prior to the registration of property rights) and interest rates after the registration of property rights, market average loan options: the market value of the maximum rate loan / mortgage and loan term. "Kreditmart Index. New development "published by on a monthly basis, along with "Kreditmart Index.

Mortgage "and" Kreditmart Consumer "with November 2010 According to December 2010: The minimum average market interest rate during construction loans in rubles credit for the purchase of apartments in the primary housing market in December 2010 was 13.60%, maximum – 16.75%. Average market rate for mortgage products in rubles in December 2010 declined by 0.37 percentage points and amounted to 15.18% * (November 2010: 15.55% *). * (Pp hereafter in the text – percentage points) The minimum average market interest rate during construction loans in USD for a loan for the purchase of apartments in the primary housing market in December 2010 was 11.22%, maximum – 14.64%.