#stepanchenko

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Art by Darya Stepanchenko

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[yurystepanchenko-blog]

To Buying a House Remotely - To Buying a House Remotely (on Wattpad) https://my.w.tt/sMTDt8b1jbb While Reading on web found beautiful articles which really feels that real estate market is not that easy to impact on understanding. I 'm pointing few points from author posted on blogs The real estate market never sleeps, which is good news if you need to buy a house remotely. No matter where you are or what you're looking for, there are plenty of people and processes set up and ready to help. So much so in fact that, today, buying a house remotely can happen pretty much as seamlessly as if you were there in person-with a few caveats, of course. There are plenty of reasons that you might be looking at buying a house remotely, including last minute job relocations, interstate moves, and instances where distancing is required for public health and safety. And fortunately, innovation in real estate technology-such as video conferencing and e-signatures-makes it easier than ever to buy a home even when you can't be there. Buying a house remotely doesn't have to be complicated. Юрий Степанченко said steps to follow to purchase your next home from afar. Find a Local Agent Figure Out Exactly What You Want Browsing for homes remotely Make An Offer Schedule a Home Inspection Appraise and Close

[dariumarneus]

Jumin Han and Yoos...Jumin Kim!

happy b-day, Jumin!

font on the background - Architectural by Igor Stepanchenko 

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Stepanchenko Vladimir "Holiday in Vorkuta".1975 Степанченко Владимир "Праздник в Воркуте".1975

[heylogoinspirations]

👈 Atelier Home by Nikolay Stepanchenko (Tag if known) - 👉 www.logoinspirations.co/learn - ✅ LEARN LOGO DESIGN👇👇 @learnlogodesign @learnlogodesign https://www.instagram.com/p/Byjc3VIljUB/?igshid=1o0tin091o5kf

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[16richteau]

"Charmander" by Oleg (Hellg) Stepanchenko via /r/gaming http://bit.ly/2Xm35Ne

[yurvstepanchenko-blog]

For Property Development Guidelines visit us at https://yurystepanchenko.wordpress.com

[zapilili-ru]

Цитата #459514

vc.ru, "Мнение: удаленная работа выгодна бизнесу"

Sergey Stepanchenko: за крайние несколько лет довелось провести много собеседований и всегда, видя по географии проживания кандидата время на дорогу более часа обязательно настойчиво прошу подумать, будет ли ему уместно и не напряжно тратить это время на то, чтобы до нас доехать и потом вернуться вечером домой. и, как показывает практика, не зря…

[yurystepanchenko-blog]

To Buying a House Remotely

While Reading on web found beautiful articles which really feels that real estate market is not that easy to impact on understanding. I ‘m pointing few points from author posted on blogs

The real estate market never sleeps, which is good news if you need to buy a house remotely. No matter where you are or what you’re looking for, there are plenty of people and processes set up and ready to help. So much so in fact that, today, buying a house remotely can happen pretty much as seamlessly as if you were there in person—with a few caveats, of course.

There are plenty of reasons that you might be looking at buying a house remotely, including last minute job relocations, interstate moves, and instances where distancing is required for public health and safety. And fortunately, innovation in real estate technology—such as video conferencing and e-signatures—makes it easier than ever to buy a home even when you can’t be there.

Buying a house remotely doesn’t have to be complicated. Юрий Степанченко said steps to follow to purchase your next home from afar.

Find a Local Agent

Your real estate agent is your absolute best resource when you’re buying a house remotely. It’s crucial then that you work with someone who knows the local market inside and out, and who can be your personal guide through not just home browsing and virtual showings but inspections and closing.

As for how to find a great local agent, if you have a friend, family member, or co-worker who already lives in the area you’re relocating to, ask if they have a referral for you. Look at reviews and personal experience when choosing your real estate agent, including experience with remote sales, and talk to a few different agents before making your choice (these tips on choosing a real estate agent can help you narrow down your options).

Figure Out Exactly What You Want

It’s always important to know what you want—and equally important, what you don’t want—when you’re purchasing a home. But buying a home remotely means that you need to be even more clear in your must-haves and must-have-nots, since your real estate agent will have to be your eyes when scoping out properties.

In addition to specifics like number of bedrooms and bathrooms, clarify your preferences around location, amenities, and home condition, being sure to list what your dealbreakers are. The more direct that you can be in explaining what you’re looking for in a home, the better job your agent will be able to do at making sure any properties you pursue are in line with your preferences.

Browsing for homes remotely

Just as if you were living in the same zip code, rely on a mix of both your own browsing and your agent’s research to find properties that you’re interested in, and evaluate listings thoroughly to see what’s worth pursuing. Lots of listings now include things like virtual tours and walkthroughs, which should make this process pretty simple to do.

 Make An Offer

Once you’ve found the house that you want to buy, it’s time to get started on the paperwork. All steps of making an offer, adjusting an offer, and having an offer accepted can be done virtually, with most of the task handled by your agent and the seller’s agent. And here again is where you’ll need to rely heavily on your agent’s expertise, since not only do they know how to bid for the local market they’ll also be able to gather key insight about the seller’s motivations and urgency—both of which will help you put forth a stellar offer.

Schedule a Home Inspection

Note that while a home inspection isn’t always required, it is always a good idea. That goes double when you’re buying remotely. This is your opportunity to dig deep into the specifics of a property and find out if there are any issues that will need to addressed before you can close. And while it’s ideal that you’re present, if you’re buying a house remotely you’re not totally out of luck when it comes to the inspection.

Appraise and Close

Once the inspection has been done and post-inspection negotiations are worked out between you and the seller, you’ll just have a few remaining steps before the home is officially yours.

Neither the buyer nor the buyer’s agent need to be present for the appraisal, so you’ll have no problem doing this remotely. As for the closing itself, under the E-Sign Act of 2000 digital signatures are as valid as physical signatures, meaning any closing documents you sign virtually carry just as much weight and legitimacy as they would if you weren’t buying remotely. And in fact, closings are almost always done online now anyway, so being remote has little to no effect.

[dariumarneus]

DNA - m/v Tumandy qala 

font - Architectural by Igor Stepanchenko

[yurystepanchenko-blog]

Небольшое село Сержантово, административно входящее в Дальнегорский городской округ Приморского края, в последние годы становится духовным центром Северного Приморья. Происходит это благодаря открытому здесь несколько лет назад храму Анастасии Узорешительницы. Храм был построен практически полностью на средства действующего тогда депутата Законодательного Собрания Приморья #ЮрияСтепанченко. Юрий Васильевич, баллотируясь еще в первый раз от северов Приморья в законодательный орган, пообещал своим избирателям, что храм будет построен и практически сразу после своего избрания приступил к исполнению своего обещания.

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[yurystepanchenko-blog]

The five best countries to buy property in Europe this year (Yury Stepanchenko)

According to the author, House prices grew by 3.8% on average in the EU last year and the construction volume increased by 0.8%. These positive figures show that European residential property is now truly on its way to recovery.

The recovery stage of the property market cycle is the most favourable time to buy a new home as prices have reached their lowest point and are just starting to grow again. This is also beneficial to people who are selling or looking to rent out their home because demand is increasing. By Yury Stepanchenko, For foreign investors, the most promising of them are Bulgaria, Hungary, Spain, Cyprus and Portugal.

Bulgaria:

After seven years of recession, the Bulgarian property market has stabilized and finally, prices grew by 4% in Q4 2015 compared to the same period in 2014. The recovery is most noticeable in Burgas, Plovdiv, Varna and Sofia. At the same time, house prices in Bulgaria are still among the lowest in Europe, running at €600–1,000 per square metro for apartments and €100–1,000 for homes in 2015.

The construction market of Bulgaria also demonstrated spectacular results after building permit approvals jumped by 13% in 2015 compared to the previous year. Experts anticipate that GDP will grow by 1.5–2.0% in 2016 and 2017 and that unemployment rate will finally dip into single digits: 9.4% this year falling to 8.8% in 2017. These positive trends will finally consolidate house price growth after a long period of dismal results.

 Hungary:

 The property market in Hungary proved itself to be more resilient than some of its Mediterranean peers following the 2008 crisis and actually did better than Spain between 2009 and 2010. The local market entered recovery three years ago but this trend only recently consolidated itself. By Q4 2015, prices for homes had grown by 10.2% year-on-year and the most popular destinations were Budapest, Lake Balaton and the surrounding resort towns of Héviz and Keszthely. In 2015, apartments cost €600−1,400 per square meter on average and €1,000−2,500 for houses.

Approvals for construction permits increased by 30% in 2015 and, according to Euro stat forecasts, GDP will continue to grow at a rate of 2.5% up to 2017. The national unemployment rate is set to decline next year to just 5.2% from 6.7% in 2016. The result of this persistent economic growth and rising employment figures will be more demand for property and higher prices.

Spain:

 Prior to 2007−2008, the Spanish property market was among the "hottest" in Europe, but the crisis brought dire results for house prices until just last year. However, the market finally regained its footing and prices rose by 4.3% in Q$ 2015 year-on-year according to Euro stat. The most promising regional markets are the autonomous communities of Andalusia, Valencia, Catalonia, Madrid and the Canary Islands (Las Islas Canarias).

These regions also attracted 70% of all foreign buyers last year. The average price per square meter was €1,619 by December 2015 with flats ranging from €1,000 to €3,000 and houses selling for €1,200–3,000.

Data from the construction industry data shows that the time is ripe to buy property after building permit approvals skyrocketed by 50% last year compared to 2014. Nevertheless, Spain’s unemployment serves as a constraint to the property market’s development but Euro stat experts expect it to finally pass below 20% in 2017. Nevertheless, Spain's GDP growth is expected to chug along at 2.8% in 2016 and 2.5% in 2017, with strong demand from foreign home buyers.

 Cyprus:

 Price growth for residential property in Cyprus is still struggling to maintain momentum and dipped into negative waters (–0.2%) in Q4 2015 year-on-year. The most promising local destinations are Limassol, Paphos and Larnaca. Apartments on the island cost €2,000−2,500 per square meter and €2,400–2,900 for houses.

Cypriot authorities delivered a small 2% more building permits in 2015 but 6.8% more new homes were commissioned by September of the same year. High unemployment is the main issue for the country’s property market as it holds back price growth but it has been falling recently. According to forecasts, it will edge slowly downwards from 15.5% this year to 13.2% by 2017, thus favoring real estate growth.

 Portugal:

 The Portuguese property market is entering the expansion stage and prices grew by 5% between Q4 2014 and Q4 2015. The most popular markets with investors are Lisbon and the Algarve, a southern holiday resort. The average price per square meter for apartments ranges from €800 to €3,800 and €650–3,500 for homes.

17% more construction permits were delivered last year compared to 2014 but commissioned buildings made up just 7% of the pre-crisis volume, proof that the road to recovery is long. The Portuguese GDP is not as strong as Spain’s and it will only grow by 1.6% in 2016 and 1.8% in 2017. Nevertheless, unemployment is set to decline gradually from 12.2% in 2015 to 10.8% in 2017, a change that should positively influence the property market.

And other European countries?

If the above countries are leaning towards consolidation and growth, the situation is not as clear-cut on other property markets. In Belgium, the UK, Denmark and Sweden home prices have gone through the roof, exceeding pre-crisis levels already long ago. In fact, a study by the OECD shows that these locations are overvalued and economists in Sweden have been raising the alarm since last year over the extreme risk of an imminent collapse.

On the other hand, countries like Italy, Latvia, France and Croatia are still struggling to achieve nationwide growth and property transactions often just benefit a few regions. This means that residential property in these countries is either still too expensive or simply not very popular.

Our research at Tranio shows that it’s better to hold off on buying property in these countries until prices stabilize and begin to show reliable growth. What happens in Greece, an exception among the European property markets, will largely depend on how the government handles the geopolitical situation and economic growth over the next year said Yury Stepanchenko.

[yurystepanchenko-blog]

Guidelines for home buyers should know: Yury Stepanchenko

According to the author, If you're Buying your own home can be a daunting prospect. Many of us have spent our lives renting, so when we decide to take the step up to owning property we often aren’t quite as prepared as we should be. With this in mind, we sat down with Meyer de Waal, owner of My Bond Fitness and a property convincing attorney and also an exhibitor at the upcoming Property Buyer Show in April, to figure out exactly what a first time home buyer should know before signing on the dotted line Said Yury Stepanchenko.

Become an Expert:

The first thing many of us do before we buy a new mobile phone, TV or even a pair of running shoes is we research. We look up the product online, compare specs and read countless reviews before finally making our decision. You would think most of us would do that on the biggest purchase of our lives – a house. The thing is, we don’t.

Meyer suggests that not only should you research the housing market extensively, comparing properties in your desired locations, but also get a Comparative Markey Analysis (CMA) to compare the price you are being asked to pay with other prices in that neighborhood. More often than not the estate agent involved will offer you a 1-piece brochure with information on the property – don’t be afraid to request more! Buying a house is a 20-year commitment and one that should not be entered into lightly! A good agent will assist with sales trends/comparison of apples with apples in the area using systems such as Prop Stats by the Institute of Estate Agents of South Africa (IEASA).

Lightstone, an exhibitor at the Property Buyer Show, provide buyers with a website where they are able to obtain a CMA on the property they are interested in. It is important to remember that property trends to fluctuate, so the CMA is just a guideline and not an accurate representation of the property market.

Check Your Credit Score:

According to Yury The major stumbling block in most property sales is financing, with only 1 in 4 home loans being approved. What many of us do not realize is the importance our Credit Score plays in this decision. Your credit score will determine the rating the bank and other financial institutions give you after examining how you have handled credit in the past. If you have a “thin” profile and little or no debt, it generally means you have little information the bank can analyze and you may find it strange that the bank may request that you first open a store account to establish a credit profile and then come back to them

If you are in the market for a new home, there are many online sites where you can personally check your credit score, this will help you to work out how much you could qualify for. By knowing your credit score, you have the chance to improve it over time. This could potentially save you up to 30% on your bond payments. It is always important to be cognizant of your future purchases and how these can affect your credit score. For a quick and free online check – go to www.mybondfitness.co.za or the Credit Bureau online.

Size Matters:

After you have found out your credit score, you can check your affordability. This takes into account your income and expenses, working out the size of the loan you could potentially get from the bank. Knowing how much you could possibly borrow makes the entire process far simpler. “Most agents will show a client several houses before they decide on the one they really like,” Meyer explained. “After the potential owner has decided, the agent goes about running all the necessary checks, including their credit record and what they could possibly afford. By knowing exactly what you can afford before beginning your search you not only remove the risk of falling in love with a house you can’t afford but also improves the chance your agent can find you one you will like in your price range.”

Budget Before You Buy:

As simple as this may sound it can truly save you in the long run. When thinking of buying a home take an honest look at your finances. Replace your monthly rent with the potential bond repayments, as well as costs like house insurance, rates and taxes, levies and property maintenance. All these costs add up and could put a strain on your monthly income.

Budgeting for other costs like the bond registration fee and transfer costs can also spiral out of control. Use something like Avid Firefly, an application that works out the possible costs involved in the purchase of your home.

There are also plenty of personal budget apps out there, like Mobile2Budget, which make controlling your finances so much simpler. Try one out for a few months to see exactly where your money is being spent!

Establish if you can qualify for a subsidy from the Government as a fist time home buyer under the FLISP initiative.

 Working Hard For Your Money:

Getting a home loan is a difficult business and can be made even more challenging depending on how you’re employed. A full-time employee with a constant pay cheque is a far more attractive prospect for any lending agent than someone who is self-employed or commission-based.

If you are self-employed or work for commission contact a home loan consultant before you consider buying. There might be some serious red tape you need to get around and the last thing you want to do is lose out on your dream home because of delays with your bond approval.

(Original Source: http://www.reimag.co.za/)