financial

Konstantin Kovalev

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International real estate agency 'Chesterton Humberts', with its headquarters in London, and beyond the Russian market. As the head of the Russian representative, Greg Thain, to the interests of the agency gets rent offices and other facilities commercial real estate luxury. Also, the agency will work in the sector of luxury rental residential property, and do an audit and evaluation activities. Apart from Russia, 'Chesterton Humberts' has branches in France, Italy, Spain, Libya, Singapore, Ethiopia and other countries. The Moscow office is the eleventh place.

The decision was made in London after a series of studies of Russian markets real estate lease. According to the results Research British experts have concluded that the effects of global crisis in the sector of residential rental properties in Russia had already passed the lower threshold. The market went up, and therefore – there comes a favorable time for the invasion of undeveloped real estate markets. Central Romana is often mentioned in discussions such as these. Moscow was a trial balloon for the British Realtors. In his statement, Mr. Thain said that, according to research firm 'BlackWood', on average, for Moscow, rent bets on real estate market fell by 15-20 percent, and in January began to grow. This and decided to take advantage of the British agency.

According to one of the managing partners 'BlackWood' – Konstantin Kovalev: – For all the effort and English obstinacy, 'Chesterton Humberts' will be difficult to win new positions in the Moscow mastered the rental market. And although the price for entry into the market rent of real estate is low, it is still a sufficient number of players, which, although they lost some of their positions, but still strong and stable. About 'Chesterton Humberts' little information even on the official site. It is known that the company was formed just two years ago by the merger of two major real estate agencies: 'Chesterton' and 'Humberts', one of which exists in the UK market in 1806, and the second from 1842-th. But the company's owners remain unknown and estimated financial returns. Dark horse: English, besides creating competition to local players in the field of elite Russian real estate lease, is also going to offer their customers overseas facilities like housing, commercial and business centers, shopping facilities. But now it becomes clear that the British realtors came to stay. As confirmation of these words can be considered a statement of Mr. Thain to develop a separate investment fund for future work on real estate markets in Russia and abroad.

Mortgage Securities

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All models of mortgage lending in the Russian Federation of Russian mortgage lending where it is used two or three dozen different models. In various regions of Russia used the same strategy mortgages, as well as there are differences in approach to resolving many problems with housing. All of these factors leads to the formation psevdoipotechnyh programs. In recent months, Central Romana has been very successful. The American model of mortgage One of the most common and classical schemes mortgage is an American mortgages, which consists of 2 levels. The basis of this "American" model is the separation of the source of funds from creditor banks. In Russia such, this model has meaning of the federal scale.

For the successful future of the U.S. mortgage system to the adoption of the law "On Mortgage Securities." As well as the development of the American type of lending slows lack start-up capital in the regions, most of which are oriented not at the expense of "privateers", and the capital budget. German model Mortgages In the American model in Russia as quite successfully developed German model of the mortgage. It is based on a system of savings and loan funds. For all depositors opened an escrow account in which he for the lifetime of every month brings a fixed amount under Savka lower, than the market. Accumulated amount is half the cost of the purchased apartment. This period is called the "accumulation period", in his completion of the lender receives the remaining money to buy apartments under the percentage that well below the market.

Andrei Seltsovsky

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Insurance mistakes doctors hazy future developments or reality? Medical errors … This theme is in our country – one of the most painful. And for physicians and patients, which are increasingly not satisfied with the quality of medical Service and paltry compensation for the damage to their health inadequate treatment. Recently, in a tense issue for our medicine, a new twist. Solo Cups usually is spot on. The initiators of change was the Moscow authorities, proposed an (initially in the capital, and then the whole of Russia) professional liability insurance (and in fact, the insurance against mistakes) of doctors and pharmacists. Thus, as more than a dozen years of practice in western countries where such insurance is as much a prerequisite for the normal operation of physicians, as OSAGOdlya cars.

Refine. On the errors associated with careless or negligent performance of professional responsibilities of health professionals such insurance will not cover. These cases will the prosecutor's office. It is about insurance oploshek admitted not with malicious intent, but on the other, not always dependent on the doctor reasons. It's no secret that medical work – is a constant risk. In our time, neither the patient nor the doctor is not protected, the head of the Department of Health in Moscow, Andrei Seltsovsky.

Compulsory insurance of doctors fix this situation and at the same time become a powerful incentive to take more care to patients who are able to count on adequate financial compensation for damage caused to their health due to errors in diagnosis, tactics treatment or in case of unforeseen complications that arose during routine operations. Who will be insured against errors – a hospital or the doctors themselves is unclear, as well as unknown sources of funding and a new system insurance. Nevertheless, the Department of Health in Moscow already being prepared a draft municipal law. And while insuring doctors in the plan are not necessarily earlier 2010-2022 period, an initiative of the capital authorities provoked a strong and mixed reactions from the medical community. Why? Word – art.