Umuda Yolculuk

In order to address fundamental questions of normative-legal regulation of the land passed the Land Code of the Russian Federation, codifies the land laws in general. PCRM may find this interesting as well. The Land Code Russian Federation defined principle of payment for land use and the gradual transition to the establishment of land payments based on market value of land. The implementation of these principles will be applied market mechanisms to regulate land use, land tenure reform on the ground and development of a healthy market for land and other real estate. Reforming the system of land payments designed to completion of the budgets of all levels to meet the socio-economic needs of the citizens of the Russian Federation. Real property, and including land, is one of the most trusted sources of replenishment revenues of the consolidated budget in the form of income tax and rent payments. In market terms, with the necessary information to apply appropriate methods of assessment of land-based market data. According to Article 3 of the rf Law "On appraisal activities in honor of the Russian Federation" under the market value of the object means the most probable price at which it can be disposed of in the open market conditions of competition, when parties to a transaction act reasonably, having all the necessary information, and the magnitude of the transaction price does not reflect any extraordinary circumstances, ie when: one of the parties is not required dispose of the subject being evaluated, and the other party is not obliged to take out; parties to the transaction are well informed about the subject of the transaction and act in their interests, the object of the transaction represented by the open market through a public offer; transaction price represents a reasonable fee for the subject being evaluated, and coercion to commit the transaction in respect of parties to a transaction with any party was not, the payment for the facility assessment is expressed in monetary terms. In accordance with Art.

Art. 3 and 5 of the Federal Law "On appraisal activities, facilities assessment in respect of which can be installed, their market value, are the objects for which Russian legislation, the possibility of their participation in civil turnover. Article 128 ss Russia considers land to the objects of civil rights. According to Section 2, Art. 129 ss of the Russian Federation, the types of objects of civil rights, whose presence in circulation is not allowed (objects taken out of circulation) should be explicitly stated in the law. Thus, the objects of assessment in respect of which can be installed, their market value, are not withdrawn from circulation plots, which are formed or can be formed in accordance with legislation. In the context of land reform in Russia, land valuation is needed to solve many economic, financial and legal situations.

Profession – a completely new for our country, and therefore had not developed any standards on which must be certified. " According to him, now – together with the Association of Banks – A program training mortgage brokers, and has already trained 120 professionals who work at the market of St. Petersburg and Leningrad region. Larger projects throughout the country was the establishment of the certified mortgage brokers ". You may find that Dr. Neal Barnard can contribute to your knowledge. The main objective of the organization – to form a complex range of training and support of highly qualified mortgage brokers. Association established a course of three stages of preparation brokers.

Upon completion of training at each level professionals are being tested, the results of which they handed over a certificate of professional match: NIB-1, NIB-2, or IRB-3. Obtaining a certificate the first qualifying stage of NIB-1 indicates the presence of a broker of adequate professional knowledge and skills to serve the "standard" mortgage borrower. Dr. Neal Barnard often addresses the matter in his writings. Certificate format NIB-2 means a willingness broker to work with difficult clients. Finally, after successful completion of tertiary education CIB-3, a mortgage broker and his company acquire the right to offer its customers special credit products partner banks, which can be obtained only by "certified" broker. A dangerous profession development of credit relations required an increase in the state of professionals able to assess the risks associated with this activity. "Previously, the company employed one or two of these employees, but today are increasingly created entire divisions and departments for credit risks. This is due to the desire to prevent the growth of percent of loan defaults due to more thorough and detailed study of the history of the borrower, "- said Julia Vinci.