LovesTheTeam.com

You will need

• - passport;
• - pledge agreement;
• - Notarial document on the liquidation of the contract;
• - receipts for payment of debt obligations;
• - loan agreement;
• - application to the FUGRC;
• - receipt for payment of state duty;
• - photocopies of all documents.

Instructions

1

If you plan to return pledge, contact the bank or your creditor,which you have issued a large amount of debt. Write a statement, attach a receipt for payment of the entire amount of debt, a passport, a second copy of the design contract pledgea, a loan agreement and photocopies of all the above documents.

2

Agreement pledgeand is always made in a notarial form withmandatory registration in the Federal Office of the State Registration Center. Information on the restriction of rights to purchased or available real property is entered in the single register. All the time, while your property is in pledgee, you do not have the right to dispose of real estate without a notary permission of the lender for the transaction. Return pledge means to liquidate the contract and make changes to the register on lifting the restriction of rights to real estate.

3

Elimination of the contract pledgebut produced in a notary's office, in whichthis contract was concluded. Contact there in person, along with an authorized representative of your creditor. If you can not personally apply to a notary to carry out the liquidation of the contract, issue a notarized power of attorney to the name of your authorized representative. On its basis, all legally significant actions, signatures can be made without your personal presence.

4

Contact the FUGRTS, fill out the application,pay the state fee. In the single register will make changes that will be a documentary confirmation of the return of the pledged property. After that you can dispose of it at your own discretion without getting a notarial permission from the lender.

5

In the event of any disputes with the creditor on the liquidation of the contract pledgeand you have the right to apply to the court and resolve the conflict situation in accordance with the procedure established by law.

Instructions

1

Determine what collateral can provide the loan in case of non-return. It is desirable that the cost pledge was not lower than the loan amount. Determine the market value of the property can be independently or use the services of appraisers, which are paid by the borrower.

2

Choose how to store the collateral. It can stay with the borrower or be transferred to a mortgage lender. In the first case, it is desirable to require insuring the loan subject in case of property damage and loss of its market value. In the second case, an act of acceptance-transfer in a mortgage is drawn up, in which the parties' data, grounds, contract pledge and the name, quantity and value of the transferred property.

3

Make a loan agreement, which specifiespassport details of the parties, loan amount, maturity, interest rates and force majeure circumstances. Also worth noting penalties and fines in the event of default by the borrower of its obligations in a timely manner.

4

Make an agreement pledge. It is drawn up in writing and signed by the pledgor and the pledgee. If as pledge real property, the contractnotarized and registered with the appropriate authorities. In the agreement it is necessary to refer to the loan agreement, indicating the date of its drawing up and the loan amount. The subject pledge, its cost, accepted obligations and terms, as well as the order of their implementation. After that, it is indicated where the collateral will be located before the debt is repaid.

5

Remember that collateral can not betransferred to the lender. In case of default by the borrower of its obligations and non-payment of the debt in the established time, the pledge is realized and the loan is repaid at the expense of the funds received from the sale.

You will need

• - a computer;
• - the Internet;
• - writing accessories;
• - The advertising budget;
• - specialist in advertising;
• - Branding specialist.

Instructions

1

Create a brand of your products. Hire a branding specialist and think over the name of your brand. This is the most important step on which the success or failure of an enterprise depends. It is a catchy and memorable brand will be heard by people. Then your product will become very popular, which will bring great profit.

2

Study closely that market whereyou and your main competitors work. You must be constantly aware of the state of things in your sector of production. Carry out a comprehensive study of the company either by yourself or by a third party (consultants or firms). Write down the answers to the following questions: What does products company competitors attractive? What methods do they use to promote it? What can we take from their activities?

3

Make your products different from competitors,but at the same time - more qualitative and in demand. It is important to achieve a state of affairs in which it will sell itself. Take the very best that your competitors have on the market and synthesize with their unique offer. Thus, you can achieve this task.

4

Develop your unique advertising strategy. It all depends on your initial budget for the campaign. Also an important factor is the specificity of the products. If you offer products for health, then it is advisable to create more banner ads both on the Internet and on the streets of the city. If your product is clothes or disks, then you should consider the option of merging with partners who sell similar products. This method of positioning is called cross-marketing.

5

Conduct a large-scale short PR-action. Its difference from advertising is that it requires investments only for a certain period, for example, for a season (3 months). But anyway, such actions need to be planned in advance. They can be discounts, sales of the same goods, bonuses (incentives) for attracting customers, etc.

Instructions

1

Choose an appraisal company. As a rule, banks strongly recommend contacting specific firms with which they have partnerships. It should be noted that you can choose an appraiser yourself, but at the same time choose the company that has a good reputation and has long been working in this market.

2

Check with the employees of the valuation company for a listdocuments, which are necessary for registration of the contract and drawing up of the report. If the collateral is an apartment, you will need a sales contract, a certificate of ownership, a cadastral passport and a plan from the BTI, a copy of the owner's passport and documents that confirm the encumbrance.

3

Sign an appraisal agreement. This procedure can be performed at the office of the valuation firm or directly at the location of the collateral. In this case, as a rule, it will be necessary to transfer an advance payment of 50-100% of the total cost of work. Do not forget to ask for a cash receipt, which will confirm the transfer of money for the service. It will be needed in case the appraiser does not provide a report on time.

4

Agree on the date and time of the assessmentpledge. In this case, a detailed inspection of the property will be carried out and the main points will be photographed. If you give an apartment as a deposit, then you will also have to look around the porch and yard. It is advisable to inspect the inspection for daytime, so that the photos of the object are clear and bright, because some lighting may be blurred due to poor lighting, which may affect the evaluation.

5

Get a ready report on the conduct of the assessment of collateral. All pages must be stitched and numbered, at the end should be the seal of the enterprise and the signature of at least two appraisers. Another copy of the document is sent to the bank in which you intend to issue a loan.