Credit relations have become part of our lives and are already an integral feature. At present it is difficult to imagine a situation in which we would not really offer any credit offers from banks. Even in under the most acute phase of the recent financial crisis, financial institutions offering loan funds, of course, the very stringent conditions, but nonetheless. But in this situation do not blame any party, here market dictates the rules of the game. And in that market forces other conditions could not be. Why credit is so popular? To answer this question, let's use some terms of economics, namely, basic element of the market – supply and demand. These two concepts determines the value and cost of something. Now let's apply them to our topic of discussion.
The demand for borrowed funds have been and will be. It is a fact. And this huge demand. Credits enjoyed by all – business people, government, and even the banking institutions. After all, credit product – this is a special commodity. You could even say that the loan – a tool for each subject of his own, to achieve specific purpose of this subject.
Thus, borrowing – is more than just a product or service. This is a stronghold of a successful economy and, accordingly, each individual of its subject. For its part, supply of loan funds is based, of course, on demand, because, like last time, and determines the first. The logic is simple – if the borrowed funds are not wanted, then offer them no one will. We have already discussed the value of demand for credit. So, this value provides a broad, even very broad, business opportunities, that is to make money. And those possibilities have created serious competition in the debt capital markets, creating an incredible number of offers of bank loan products. As a result, satisfied and borrowers (the competition generates a reduction in interest rates and a large selection), and the banks (since the bulk of banking income – it is a credit activities). And all this thanks to the market mechanism.
Many people, when it comes to buying a home, having analyzed the market and come to the conclusion that it is better to buy an apartment in a newly built house. For this solution there are several compelling reasons: apartments in buildings under construction cheaper. Moreover, the degree of earlier construction, the cheaper the rent, ie price at the level of the pit is much lower than the price when more than half built house, you get a brand new apartment in which no one ever not live; modern housing under construction, are generally more comfortable, ie plan is better than the old housing stock left over from the Soviet Union; infrastructure of the area more modern, comfortable and diverse, more or less predictable neighbors, because at current prices for housing, an apartment can not afford to buy only a man of middle and higher class, which means that you will most likely be spared from the neighbors drunks falling in the evening with furniture, drunken fights and other attributes of the worst "proletarian" heritage. For more specific information, check out Boy Scouts of America. But is it all just peachy and? First, if you take an apartment during the digging of the pit, then wait for the completion you will have 1-1,5 year, and this time it is necessary to live somewhere. Second, build a house that's half of the case, it is necessary that it took gos.komissiya, but this is not a very fast process. Then setting the house on the balance of the operating organization and connection to utility networks. Chase Koch may also support this cause.
If you Car repair manifest latent defects and damage will be greater, the insured will have to take the rest. So if you are not sure that it is able to accurately assess the extent of damage, call the traffic police. – These improvements make significant changes to the work of insurance companies. Is everything ready for you to move to a new system? – Knowing that the direct settlement in demand worldwide and, ultimately, life is easier for customers, two years ago, we were the first company in Russia, who volunteered to policyholders by CTP, the victim in an accident, go directly to ROSNO. For a nominal fee our customers can purchase an additional policy "Euroservice" relieving the victim from having contact with "foreign" by the insurer. So our company can reaffirm its commitment to this work. Although, of course, to the new system work effectively, is important the absolute commitment of all stakeholders. – What new types of liability insurance of car owners you are planning to offer its customers? Vitaly Knyaginichev, director of comprehensive insurance "Ingosstrakh": – "As above, so now we recommend that in addition to the policy issue CTP policy of voluntary motor insurance.
Additional coverage of $ 500 thousand cost, For example, a client of "Ingosstrakh" in 900-1400 rubles, depending on age, driving experience etc. It's not so much money compared to potential harm. As for new programs to hull, then last fall "Ingosstrakh" has launched a "Autoprofi", which is designed for experienced drivers who prefer a neat style of driving. Buying a policy "Autoprofi" in Moscow and branches "Ingosstrakh", the motorist will save 20% or 36% of the insurance risk of "damage". In the first case, the policyholder chooses the form of compensation for loss, including after the accident: the payment of repair of technical centers and authorized dealers the world's automakers, or cash payment.