Archive for June, 2009
Thursday, June 11th, 2009
Who makes a home insurance policy protects your home from damage, repairs, replacement of all or part of the property or in case of:
Abduction and non-violence.
Non-liability.
Expenditure or loss of tenancy.
-Electrical and electronic equipment.
-Acts of authority.
-Explosion, strike, water damage.
-Earthquake, earthquake, volcanic eruption.
Accidental-death, waiver of premium, accidental breakage of glass.
-Removal of debris and auto update on the renewal.
From what level can ensure your home and contents?
You can insure your house from 25 million to 350 million pesos and the goods it contains between 10 million to 150 million pesos.
What is the average value of this insurance?
The price paid for insurance against this risk is 1.5 per thousand. For a building of 100 million policy would cost 150,000 pesos plus tax for one year of protection.
Thursday, June 11th, 2009
A fire at a care center will be this Wednesday Hermosillo central theme of the meeting of the Standing Committee, where the benches of the PRI, PAN and PRD will present various points of agreement.
The bench of the Partido Revolucionario Institucional (PRI) asked for a hearing with the owner of the Instituto Mexicano del Seguro Social (IMSS), Daniel Karam, to explain the policy for the provision of childcare or day care, its evolution over the past eight years and official standards that guide the operation.
The fraction Karam also required to report the pattern of such establishments operating in the country both by the IMSS and individuals, as well as tendering procedures or assignment of this type of service to individuals.
In addition, PRI senators also proposed that the appearance holder of the National System for Integral Family Development (DIF), Cecilia Landerreche, and the head of the Social Development Secretariat (SEDESOL), Ernesto Cordero, to report Program Nursery and childcare for the unit.
Similarly ask the government of Sonora and the Attorney General’s Office (PGR) to speed up investigations into the incident of child care, determine responsibilities and to report on the outcome of investigations.
Meanwhile, legislators of the Partido Acción Nacional (PAN) require the PGR do an impartial, accurate and deep, “completely independent of the authorities interfered, and that whatever names finques responsibilities, levels of government officials or private responsible. ”
He also sued the IMSS, the Civil Protection Unit of Sonora, Hermosillo, and the mayor of the Attorney General of Justice of the state to work with the PGR to establish responsibilities and determine the causes of the events recorded on Friday, June 5.
It also urges the DIF, IMSS, the Institute of Security and Social Services Workers Esatdo (ISSSTE), the state and municipal systems, governors and individuals that enhance safety and security measures in the homes of cots, shelters, orphanages , homes, kindergartens and schools.
In turn, the legislator Tomás Torres, of the Democratic Revolution Party (PRD), ask the IMSS, which delivers to the Standing Committee a detailed report on the state you are in the area of childcare and welfare benefits. Torres will also require working with the federal Congress to push for a review of the field of childcare and social benefits of the institutions responsible for social security in the country.
Thursday, June 11th, 2009
Oswaldo Roldán, brother of the deceased, said that a few months ago, the insurance gave them half the money (three thousand dollars), but the rest is still pending. He explained that because the hospital needed a Verdi Cevallos Balda, which is given but not the details, which the insurer rejected. “I made several requests to help me with what I requested, but was not so dismayed that I had friends ingeniármelas to rummage in the hospital without permission in the area of statistics and draw me a copy of the medical history of my brother “he said.
Now the document is with the insurer and is expected to be in a month efectivice the rest of the insurance. Roldán Quilachamín family, with the first three thousand dollars, was able to retrieve several aircraft that were committed, in order to feed themselves and meet their diseases.
Quilachamín Mary, mother of the household suffers from diabetes and his health was unstable, so you need constant medication. Don Ramón Roldán, who is older, no longer has the strength to work. On site is also home Cristian, younger brother who suffers from mental retardation, who has died of serious depression Francisco.
The family is considering making the exhumation of the body, because the procedure could charge six thousand dollars of insurance.
Thursday, June 11th, 2009
The Orange Mortgage from ING jump directly from Euribor +0.75 to +1.20 E. Almost half a percentage point bump. It is clear that neither want to lose around the 3% interest on mortgages or mortgages are to give at all.
And eye to the data: before did not require life insurance and now. Drops from 18 th to the sad sad 24th in the comparison of mortgages, penultimate.
Thursday, June 11th, 2009
Santalucia closed last year with an increase in their volume of written premiums of 9.25%, which amounted to 1067 million euros, of which 925.47 million are non-life, which represents 86.66% of total business. Highlight the Combined Home Insurance premiums recorded 190.48 million euros, 9.95% more, with over one million policyholders in the portfolio. In Life, written premiums amounted to 142.42 million euros (+11.56%).
The Ordinary General Meeting of the organization on Wednesday approved the annual accounts and the consolidated group in 2008, which ended with a profit of 65.69 million euros after tax.
Santalucía clarifies that the amount of capital, reserves and provisions stood at 2626.41 million. “The total volume of business of the group amounted to 1185.41 million. Insurance group, during 2008, gave employment to 610 persons and other entities in the group employed 2699 people, “added the insurer.
Wednesday, June 10th, 2009
Holiday period is approaching, which means it’s time to start thinking about home insurance.
Insurance of property of citizens are very cheap: from 1 hryvnia per day with the amount of the insurance 20 thousand hryvnia. With a good selection of the insurer and the correct insurance contract of insurance of housing can be very profitable even writes magazine «money».
Ability to insure the property for a small period of time (a month or two) as there is in the classic programs (with inspection of the property), and specialized Express products, “sharpened” by holiday periods, and to sign a contract without the inspection of housing, but with a fixed sum insured and limited set of risks.
Risks are borne by both types of policies, standard – it is flood, fire, explosion of domestic gas, natural disasters, criminal acts of third parties (burglary, theft, etc.).
Express policies cover a limited set of risks (for example, only the fire and flooding), are cheaper, but they cover fewer – between 20 – 100 thousand.
Despite the crisis, not property insurance went up: the cost of even the annual insurance starts from 0.01% the sum insured.
Wednesday, June 10th, 2009
Banks have raised the requirements for borrowing so high that without the promise of loan applicants remained even with a very good salary.
The volume of mortgages three months of 2009 decreased by 80%. This statement was made Director of the Agency for Housing Mortgage Lending Alexander Semenyaka. And according to the CBR, the amount issued for the January-March 2009 the housing loans fell by more than fourfold compared to the last quarter of 2008: 24.438 billion rubles to 105.1 billion in the first quarter of last year were granted loans at 150,8 billion rubles.
The fall, banks have raised the bar for 1-5%: for example, Sberbank is the mortgage “is” 13.5% per annum in rubles (July 2008-th – 12.5%), and the “Societe Generale Vostok” – 16, 75 % (11,5%). At the same time, tightened requirements for borrowers, said Director of Business Development Company Kreditmart “Paul Shmarenkov. Today, it is impossible to obtain a mortgage on the new. The first installment – not less than 30% of the cost of housing (last fall asked 10%).
Now, banks only offer mortgages to borrowers with white wages – it should help confirm the 2-NDFL. “If the 2008-m high-quality clients consider paid manager with an income of 25 thousand rubles, then by the end of the year, requiring at least 40 thousand”, – the director of marketing department of Fosborn Home Viktor Afonin. According to “Trud”, experts are now many banks keeps out applicants who earn less than 80 rubles.
“Zarubit credit may be due to incomplete higher education, lack of equipment and, of course, delays on other loans, even if you have a couple of days late with a payment of 200 rubles. Shorten the time of lending. Previously, the payment could be spread out over 25-30 years. Today the term is 10-15 years. “With these instruments, banks manage the flow of applications for mortgages to reduce the risk of default”, – stressed Afonin.
Who will not give loans
Banks are likely to deny a borrower requesting a loan for the purchase of new buildings. Chance to get a little money, even from those who earn well. After New Year it was enough to get 40 thousand rubles, and now – no less than 80 thousand. Moreover, the income necessary to help confirm the 2-NDFL. If the borrower does not have the soul of the machine, its round the corner, or a bank account, then there is no point in trying to borrow money. For a chance to appear, it is better to earn 50% on the first installment. And be prepared for what is asked to return the money within 10 years.
Wednesday, June 10th, 2009
Already there is a treaty comprehensive insurance cover with the company «Spasskiye Gates», negotiations with other insurers.
Buyers of real estate in the secondary market are rarely insure that risk – because of the high cost of services, or simply from the fact that it was not aware of its existence. Meanwhile, according to the Office of the Federal Registration Service in St. Petersburg and LOT, a month of 4-5 thousand of deals around 1 thousand are questionable, the result is an exclusion or suspension registration. In addition, according to experts, the market is increasing the proportion of transactions committed by nationals of their own, without the participation of realtors. All of these real estate operations are at heightened risk.
Protect the rights of bona fide purchaser could have title insurance. To make it more accessible and popular, realtors plan to give each client as a bonus policy of title insurance for a year. Then if you want a citizen would be able to extend it at their own expense (the limitation period for transactions in Russia is 3 years).
This arrangement is suitable for all market participants. By teaming up with realtors, insurers have a large number of customers wishing to insure the title. In addition, as the director of the Academy of Sciences «Bekar» Sergey Kozlov, they minimize their risks, because the transaction through the agency legally much cleaner ones that people make their own.
This is Sergei Kozlov said at the conference «Actual issues of real estate development business», held in the exhibition-seminar «Housing Project».
The growth in demand for title insurance, coupled with a reduction of risk necessarily lead to lower tariffs on title insurance, which would benefit consumers. Realtors also be able to protect its customers against the risk of loss of property rights.
The initiative to insure the clients at the expense of Realtors made the first real estate agency. But soon they may join other companies.
Wednesday, June 10th, 2009
Scary to imagine this: a fire, flood, explosion of domestic gas … And thieves may Pokus on your property. And so, as the saying goes, you have to? It has long been known for a way to avoid such losses. Assess risks, identify the most likely one of them and develop them to the insurance protection – for this, and there are special insurance programs, which are today and we’ll talk.
Three groups of risk
These are:
1. Damage due to external influences (fires, explosions, water damage, natural disasters, terrorist attacks, falling trees, construction cranes, aircraft, mechanical damage, etc.). And also because of illegal actions of third parties (theft, etc.).
2. The civil liability of the property for an injury to property, life and health of others.
3. The loss due to deprivation of property rights to the property (due to the recognition of the transaction null and void as a result of the division of property due to divorce, inheritance, etc.).
1. Damage from external influences
Each of the existing property may be caused by different damage. For example, if you talk about the apartment, house, cottage, they may be affected by risks such as:
- Fire;
- Explosion;
- Damage by water;
- Natural disasters;
- Terrorist attacks;
- Falling trees, construction cranes, aircraft;
- Collision of vehicles;
- Damage caused by major repairs or redevelopment in the neighboring apartments, etc.;
- Wrongful acts of third parties.
Of course, there is more than probable risks, and there are – the less. For example, such a situation: you go to the new, and for your neighbors even in the midst of repairs, or in the yard dostraivaetsya second building houses. The risks of damage from major repair or from falling cranes you will be much higher than if you lived in this apartment for several years, and all the neighbors are already «repaired», and a nearby building safely built.
With regard to fires, explosions, wrongful acts of third persons, etc., it is clear that these risks are substantially lower if you have installed alarm systems, secure entrance doors, new electrical, water, intercom, or there is a concierge, a number of adequate (viable) neighbors, protected area near the house, etc. Insurance companies tend to lower your rate even under conditions of insurance apartments, houses, etc.
How useful insurance against the risk of theft, looting and other acts? It is easy to verify. Imagine that you have lost the most expensive property in his apartment, a house – what does this mean to your financial situation? If the presence or absence of a property to you does not really matter, then this risk can not insure. In other cases, this should be considered. Especially if your property expensive, rare and / or represents a great value. And while you still live in an area with an unfavorable criminal environment, apartment, where you keep valuables, not the door is equipped with a reliable, safe, etc.
Protect yourself
You need to arrange insurance of property (apartment, house), which includes protection from fire, explosions, wrongful acts of third persons, and other risks that feel substantial.
Insurance Program to provide protection to the extent that the damage to property in the maximum amount has been paid to the insurance amount for the reconstruction of an apartment or purchasing a new replacement of lost.
When the cover?
Then, when the above risks could significantly affect the financial situation. They tend to lead to significant costs for the removal of their consequences. And in the worst case – flat, house or other dwelling would be simply unusable for a long time.
This means that to insure a flat, house, etc. from such risks, it makes sense if:
- You do not have substantial savings, which have enough to rebuild your home from scratch and pay for accommodation in another apartment if you have only one apartment in the property;
- Your income is largely provided by demise, and its damage can significantly affect your financial stability;
- You want to refer your family capital in the form of real estate the next generation, as if with a flat something happens, insurance will help to compensate the heirs of this loss.
Wednesday, June 10th, 2009
Azerbaijan Mortgage Fund (AIF) with the Central Bank of Azerbaijan (TSBA) will begin the process of issuing mortgage loans by authorized credit institutions», – told journalists the head of the Central AR Elman Rustamov.
«There is an idea to an agent bank AiF preference in issuing mortgage loans to purchase housing on the primary real estate market. However, I believe that a mortgage can be, and apartments on the secondary market. Please take note », – said E. Rustamov.
The head of the Central Bank emphasized that the conditions for the issuance of mortgage loans will remain unchanged. But they may undergo some changes after the world’s financial and economic crisis.
«There is a huge public interest in the mortgage. But against the backdrop of the current global financial and economic crisis the issuance of mortgage loans must be carried out under more stringent conditions. In particular, banks, agents must carefully verify the solvency of borrowers. So the loans will be able to take only the most serious, reliable, healthy financially citizens », – said E. Rustamov.
Recall that the June 1, re-state mortgage lending in Azerbaijan suspended in June 2007, the National Bank of Azerbaijan (today – the Central Bank of Azerbaijan). Restoration of the issuance of mortgage loans is one of the anti-crisis measures the Government of Azerbaijan. On the social mortgage from the state budget in 2009 allocated 14.5 million manats.
According to the head of the Central Bank, A & F Ministry of Finance asked the country to obtain funding for the social mortgage, provided the state budget. «Restoring the practice of mortgage lending will help revive the market for real estate and construction sector», – believes E. Rustamov.
Funding from the state budget will be implemented only social mortgage. The Foundation has sought to obtain funds for the social mortgage, and expects to receive the funds in stages.
Remember that mortgages Standards AIF can be obtained through 18 banks-agents. This is the International Bank of Azerbaijan, «Azərdəmiryolbank», AGBank, «AtaBank», «Bank Avrasiya», «Bank of Azerbaijan», «Bank Standard», «Bank Respublika», «Gəncəbank», «Kapital Bank», «UniBank», « Paşa Bank »,« Muğanbank »,« Texnikabank »,« Turanbank »,« Xalq Bank »,« Zaminbank »and« RoyalBank ».
It also approved a new list of authorized insurance companies. Their 12: State Commercial Insurance Company of Azerbaijan Republic ( «Azərsığorta»), the insurance company «Alfa Sığorta», «Atasığorta», «Atəşgah», «Başak-İnam», «Beynəlxalq Sığorta Şirkəti» ( «International Insurance Company»), « MBASK »,« Paşa Sığorta »,« Standard İnsurance »,« Bakı Sığorta »,« Xalğ Sığorta »and« Az Sığorta ».
Mortgage Loan Standards AIF should be issued in national currency – the Azerbaijani manat (AZN) Azerbaijani citizens from 3 to 25 years. The loan amount shall not exceed 50 thousand manats, the annual interest rate on the loan should not exceed 8%. Also, the amount of the credit should not be more than 85% of the market value of real estate, secured by a mortgage, the date of issuance of the loan. Monthly payments on mortgage loans should not be more than 70% of monthly gross income borrowers. Life and the borrower’s ability to work as real estate, secured by a mortgage must be insured on the basis of market prices, but not less than the amount of the loan. Age of the borrower to extend the deadline for payment of the loan should not exceed a specified retirement age in the legislation. Real Estate, secured by a mortgage, should be judged by an independent appraiser. Principal and accrued interest on the loan must be paid monthly in equal installments (annuity).
The social mortgage will be issued for up to 30 years, the maximum loan amount will be 35 thousand manat rate – up to 4% per annum.
According to E. Rustamov, commercial mortgage will come from funds raised from the issuance of securities. «In our opinion, such an arrangement granting of mortgage loans will lead to investment in the construction sector, on the other hand to meet the housing needs of the population», – said E. Rustamov.
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