4.1. Considerations on housing loan
Housing loan is a mortgage lending and real estate that valorificǎ units offered by the market or other companies willing imobiliarǎ sǎ construiascǎ them and these types of loans favorizeazǎ really so important for Romania. Desemneazǎ mortgage loans for real estate investments that type of loans from financial institutions authorized to finance "construction, acquisition, rehabilitation, strengthening or expanding the purpose buildings housing, industrial or commercial." But a necessity that requires "free and unimpeded access the dwelling of every citizen. "
Locuinţǎ credit is a bank loan and mortgage. Housing credit is a bank loan because they provide a medium and long term and is a mortgage that is granted based on collateral or other property.
One of the possibilities for buying a home is to contact a locuinţǎ credit, now credit offered by many banks in Romania. Since this is a great investment that spans a long-term (up to 30 years), a loan for locuinţǎ should be only after a thorough needs analizǎ beneficiary of its financial and existing offers on the market.
If "entropy" of information is a process creditǎri properly understood and appreciated by customers and then will see the essential role that credit plays in the regeneration of our society's economic balance, especially for housing credit.
Even if the mortgage loan is a variant of the property, banks offer are enough differences between the two. Differences between the two types of loans are given to three factors: the guarantee required by the bank providing credit, financing and insurance amount required share the same bank. Mortgage loan financed property is guaranteed only with property which ipotechează future for the bank, so that the person seeking credit will be required to ensure that property and real estate loan can be guaranteed and other dwellings, such as property or applicant another person, of which its value can be greater than the residence to be purchased.
To make an investment bunǎ should we consider the specific indicators of various industries and fields and also construction-specific indicators (referitorii gradulde surface and its occupancy). An understanding and appreciation of the best parameters which must be the future location makes the investor to be more peaceful and more convinced that the election will do when investing a large sum of money. Also offers an attractive location bunǎ money invested and a further assessment if they intend their desire to recover the money by selling or lending sells easier and faster that building or location that previously achiziţonată. An investor can choose îtotdeauna correctly and if not less careful sandstones.
4.2. Bidders for housing loan
4.2.1. Housing Bank
"Investments have different meanings from one to another persoanǎ" but every man has some money invested in properties and that there should appeal to those who have to sell or mortgage properties and especially housing. Bidders credit to purchase homes are bǎncile, Naţinalǎ Housing Agency, mortgage funds, mortgage companies and other financial institutions authorized by law but is typically provided housing or other older investors or companies who build new homes. By law must be ensured "to the possibility that housing may be purchased by loans from banking institutions, loans are secured by mortgage on that home purchase.
Commercial banks are banks with universal character set as its main business in mortgage lending, but they must remain primarily banks are universal, ie to provide the products and services but also their specific housing lending activity November is obigatorie condition for restoring "the budget to finance new housing construction, default on developing a youth housing program, rental.
All relationships between bǎncii and other credit institutions on transfer of money disponibilitǎţi formǎ specifies that capital movements and fructificǎrii formeazǎ "capital markets or credit markets."
4.2.2. Transylvania Bank Offer Housing
BT, in addition to product offerings, has a wider objective to classify the needs and opportunities as other criteria as specified below. Some of the various proposed encouraging Trabsilvania Bank for credit:
1. For new construction housing or recreation, including modernization of existing facilities or completed:
- Act land ownership or building or its consecionare appropriate, proprietary act of construction that is modernized, arranged or ends.
- Construction permit issued by the municipality under the law, project general estimate works with advice from utility providers;
- Estimate the remaining works to complete the housing started earlier.
2. To purchase homes or holiday homes:
- Precontract of sale (if applicable)
- The contract of sale logged done with natural or legal person who sells home, stating that its value efecuat sale dwelling acquired, how the advance payment and transaction.
3. Required to pay damages sought credit resulting from a court, a trade agreement, a voluntary act of sharing will require the following documents:
- Irrevocable judicial decision (recorded in CF rights judgments constituents), thereby establishing the equivalent amount;
- Exchange contract concluded under private or authentic form as appropriate;
- Act of sharing or voluntary settlement agreement, transcribed in the land.
4. Purchases of land intended for housing:
- Precontract (if applicable);
- The contract of sale authentic, made with natural or legal person who sells the land, stating the amount to which efectează sale, its location, topographic position, method of payment and amount paid in advance.
Should they be seen closer to infer that it did BT restrisţionistǎ policy more credible and that bancǎ urcǎ bunǎ slowly towards more housing recovery has been a landmark for those less committed to offering diverse portfolio of offers accepted by the bank.
4.2.3. National Housing Agency
A.N.L. also is a public institution with legal personality, coordination of funding sources in the field of housing, with financial autonomy, operating under the authority of the Ministry of Regional Development and Tourism, the agency has also formed due to the need of certain social categories facilitate certain tasks and some of the NHA are:
- Support for mortgage purchase new homes by former tenants NHA;
- Implementation of financial mixurii allowing easy access to housing as NHA;
- Attracting and managing financial resources for construction, purchase, rehabilitation, strengthening and expansion of housing, including those operated under lease;
- Develop a youth housing, rental, based on projects approved by the Ministry of Regional Development and Tourism;
- Acquisition of land for housing construction;
- Making investments for housing construction or existing interventions.
Under the Law (no. 152/1998) establishing a National Housing Agency, as amended by Emergency Ordinance no. 105/2005, may receive credit for building a house by NHA individuals Romanian citizenship residing in Romania, regardless of age. According to GEO 51 of June 28, 2006, the State supports access to housing, personal property by granting a subsidy from the state budget 30% of homes built. Subsidy paid to young people or other social categories that they fit the requirements NHA programs may not exceed the equivalent in lei of 15.000 EUR, calculated at the exchange rate RON / EUR communicated by NBR for the day ended contract to build the house.
4.2.4. Other bidders for housing loan
Mortgage funds under Law Enforcement nr.190/1999 regulations on mortgages for property investment, mortgage funds is that funds are closed under a contract of civil society or private company, by a minimum of five founding members natural or legal persons, Romanian or foreign, to respect their legal system on their legal capacity, mortgage funds are intended exclusively for mortgage debt and acquisition activity inside the institutions approved financing on mortgage securities, real estate construction and issuing securities in the portfolio of mortgage debt held.
Law no. 34/2006 defines authorized institutions as banks and mortgage banks universal. National Housing Agency, mortgage companies and any other entities regulated by special laws for mortgage loans for property investment. As a separate idea, mortgage banks, whose business and operation is governed by the recent Law no. 33/2006 will be able to conduct all the activities they carry a universal bank, except to attract deposits and their lending activity is limited to loans for which collateral shall constitute a real right of mortgage.
4.3. The importance of housing loan
To make housing financing available for a large number of families, specialized financial institutions asumǎ their responsibilities to fulfill in good condition, the function of diversification of methods to attract funds temporarily available to this area and encourage public-private partnership in solving the housing problem.
All property types of decisions reached and major financial issues that can decisively influence the decisions to be taken in this area. Darwin's idea that saying "replicate varies, let the strongest survive and the weak perish" is not against the idea of turning the property sector as a sector about which lucuinţele be well made example for new homes and damaged homes to destroyed leaving room for new goals.
Managing real estate financing is a vast field in which investment decisions can be rent or mortgage. An initial condition of funding required to begin the analysis is to determine the responsibilities of real estate used to secure the sufficient income to support it.
Domestic investors are engaged in the use of property is particularly interested in non-financial aspects because directly fructifies their use and less on financial, investing because they require living space of commercial buildings or other locations tipurii and investors make foreign direct investments in particular stocks and bonds very rarely buy as individuals will appreciate the risks and opportunities, their only reason being to gain something more than elsewhere is strictly concerned with the financial investment .
4.4. Need new real estate projects
Companies are pawns pricipalii generating financial resources but need not be "grandiose ideas" to make a deal with property, but requires that firms' financial balance and management capacity of the available capital management company. Romanian governments encouraged 'savings and credit mechanisms in collective housing system "but are dependent on investment and population will need to decide positive development through the purchase of new homes available and the only way money can move favorably naţinal GDP growth .
Real estate development offers a new architectural concept as a result of market demand for housing and even banks leaves an imprint on how new buildings should be designed, specialists and evaluators dealing position value certain places emphasis on building orientation on the structural quality on quality of materials used to finish and even the number of customers who would like a home in that building.
To develop a housing project in the center of a city or town is enough to own the land under a future building project and tabulated by an architect or designer authorized previously approved by the Authority that the bank is prepared immediately to get the capital needed to finance building a new building to European standards that the market offers enough customers to buy well-made flats.
Agencies specializing in residential real estate working with banks, forensic experts and developing ANEVAR construction firms and real estate projects in November, putting great emphasis on the quality of the proposed business plan can provide an extra chance if the person who made and who should go to prove that he is able to carry out business.
Investment project is required if the company's activity is based on credit for investment in construction, assembly or other types of real estate investing involving a bank loan. Business plan is actually funding the project along with portfolio and details on prospects of economic and strategic value of business conducted on the project quality baseline.
"To clarify the concept of project components there should know:
- Terms of start and completion terms;
- Investor budget;
- Referituare quality specifications;
- Work desfǎşuratǎ respectivǎ company;
- Aim for strategic investment;
- Project team;
- For itself which urmǎreşte;
- Business cycle viaţǎ carried by the proposed project.
Investment project is required if the company's activity is based on credit for investment in construction, assembly or other types of real estate investing involving a bank loan firm.
Marketing your business can establish standards to be achieved for the investment to have a secure future and also may be based on:
- Investment analysis;
- Risk Analysis;
- Identify the target site;
- Design Strategy Project;
- Develop plan of advertising;
- Implementation of the strategy;
- Management of sales.
Of developing new projects to make money especially if you have a good positioning of the building but recommended greater fairness in respect of the project especially the details of structure to avoid collapse of ceilings or other dangerous defects for future beneficiary of the property.
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