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No Doubts with the right Mortgage Process Now

The law on mortgage clearly states that property insurance is mandatory, unless otherwise stipulated in the mortgage agreement. The creditor may, but is not obliged to, offer options with apartment insurance and without it. Certain problems can arise if one or more insurers are imposed with non-market (increased) insurance rates. But this is quite successfully fought by the FAS, which regulates such agreements on cooperation between banks and insurance companies. It is important for the borrower to know that evasion from insurance of the pledged property in case the creditor insists on its binding may lead to the creditor’s demand to repay the funds ahead of schedule: this law was given to him by the same law “On Mortgage”.

The insurance of the construct, according to the mortgage broker Geelong  is mandatory in the bank, and in this situation it is necessary to read the loan agreement. If the phrase “If the insurance is not implemented, then an early return is required”, it will be so. This point is not regulated by law, therefore, only the contractual basis operates.

How to refuse insurance, making out a mortgage?

Responds to the director of the company

According to the legislation of the Russian Federation, property insurance pledged under a mortgage agreement is carried out in accordance with the terms of the contract, while insurance of the construct is not a prerequisite. However, it is important to pay attention to the contract with the bank. If the contract expressly states that in the event of the waiver of additional risks insurance, the interest rate may be increased, this requirement will not conflict with the norms of Russian legislation.

Banking insurance for mortgage lending includes two main points. The first insurance of the real estate object, which is pledged to the creditor. In other words, the bank is insured against unforeseen circumstances: fire, floods and other causes of loss of the facility.

The second item includes life and health insurance of the borrower. So, the borrower cannot abandon the first insurance. According to Article 31 “On Mortgage”, the client is required to insure “the pledged property in full cost and at its own expense from all possible risks”. In other words, you have no right to refuse this insurance.

Insurance: property, liability, mortgage insurance

Mortgage without down payment: where, how, how much?

But from life and health insurance you can refuse. According to Article 935 of the Civil Code of the Russian Federation, life and health insurance is an exclusively voluntary procedure, the bank can not demand it from you. However, there is one but. In case of your refusal, no one forbids the bank to increase the interest rate. The creditor honestly warns about this in a mortgage agreement. And the growth of interest on the loan can be from 1% to 7-10%, which actually forces the borrower to extend the full insurance. Thus, absolutely legally you cannot insure life and health, but be prepared for the fact that monthly payments will increase. And you cannot challenge this decision of the bank.

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Smart Options For the Best Distribution Now

Recently, in connection with the crisis, as a business consultant, many clients ask questions related to the increase in sales. Businessmen almost do not have questions related to the search and purchase of materials or finished goods, as well as the organization of production. It’s no secret that today half of Russia is engaged in resale, and the second half dreams to do it. So, first of all, everyone cares about the question: how to increase sales.

The Right Projects

In addition, when we conduct projects related to the organization of the accounting system, with the introduction of CRM and other software products, we also come across these issues. In the process of working on the project, we constantly communicate with business owners, managers, and heads of sales departments. We get a lot of information about how different companies conduct sales, how different groups of goods are sold, what methods of sales organization are used in this or that way, what ideas lead to success, and which decisions turn out to be unsuccessful. For Hobby Lobby – Sell to Hobby Lobby this is essential.

The Problems

When we faced the problem of increasing sales, we realized that these issues are poorly covered on the Internet. There are no normal sales materials. In the network you will find either fantasy on the topic: how to increase sales for 14 days, sales scripts and other similar information, or various books on marketing and pricing, but they are not relevant for small and medium businesses (how will the book help you increase their sales of Coca-Cola?)

  • In this article, we decided to talk about tools that lead to increased sales. My advice is practical in nature and requires organizational rather than financial costs, which is very important when revenue falls.
  • We will, first of all, talk about improving the efficiency of work with the existing client base. Searching for and attracting new customers, promoting the company on the Internet and offline will be the topic of a separate article. Even a Convenience store distributor is useful in this work now.
  • Some of the solutions discussed below will work in a complex way, i.e. will not only increase sales, but also attract new customers. But still this will not be the main direction of the article. Here and now we will talk about increasing sales volumes.

All the ideas and decisions that we will talk about are tested in practice by my clients. Nevertheless, we recommend that you carefully treat this or that advice and implement it in accordance with the realities of your business. Some solutions are intended only for manufacturers, others are suitable for almost everyone.

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