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17 Sep 2024 - 10:20 am

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В конце декабря в Москве по инициативе депутатов Государственной думы Сергея Крючка и Олега Нилова прошел круглый стол о перспективах жилищной кооперации для решения жилищной проблемы в России. Большой интерес вызвала модель жилищных кооперативов, обходящегося без государственной поддержки и подразумевающая покупку только готового, а не строящегося жилья.

Депутат Государственной думы Олег Нилов подчеркнул, что кооперативы существовали еще в советские времена, это позитивный опыт, который нуждается в государственной поддержке — ведь это способ беспроцентной покупки объектов недвижимости вскладчину. — Опыт Германии свидетельствует о том, что он очень эффективен, — заявил депутат Государственной думы Сергей Крючек, — Там очень большой объем жилья приобретается за счет кооперативного финансирования, а не ипотеки. Это альтернативный источник финансирования решения жилищного вопроса.
Присутствовавший на круглом столе практик жилищной кооперации — председатель правления жилищного кооператива "Бест Вей" Роман Василенко подчеркнул, что возглавляемый им кооператив как раз является примером решения квартирного вопроса без государственного финансирования и при этом с минимальной переплатой.

— Квартира, приобретенная кооперативом, обойдется существенно дешевле ипотечной. Переплата, связана с внесением вступительного и членских взносов, по наиболее типичным квартирам — стоимостью 3,5-4 млн рублей, составит примерно 10-15%.

По его словам, жилищная кооперация в России имеет давнюю историю. Дореволюционная Россия была первой в мире по числу кооперативов в мире. Жилищные кооперативы были распространены и в советское время. В пореформенный период был избран американской путь — акцент на ипотеку. Но он себя не оправдал — так как ипотеку получить довольно тяжело и число нуждающихся в качественном жилье сокращается медленно.

Кооперативное же финансирование получить, наоборот, легко. Нет таких требований, как хорошая кредитная история, не требуется подтвержденный доход.

Что касается возрастных ограничений, то пайщику должно исполниться 16 лет, верхних ограничений для вступления в кооператив нет. Залоговой частью выступает сама квартира: пока пайщик полностью не рассчитается с кооперативом, она находится в собственности кооператива, то есть в собственности всех пайщиков. Как только пайщик рассчитался с кооперативом, он получает право регистрации перехода права собственности на квартиру.

— В развитии жилищных кооперативов нужно правильно расставить акценты: выбрать форму, нуждающуюся в приоритетной поддержке. Есть жилищно-строительные кооперативы — это как раз случай Су-155. И есть жилищные кооперативы. Нет рисков, характерных, например, для ЖСК — рисков того, что ликвидный объект недвижимости, гарантирующий выплату пая пайщику, который примет решение выйти из кооператива, не будет создан — потому что дом по тем или иным причинам не будет достроен.

ЖК, сказал Василенко, покупают только готовые квартиры — на первичном или вторичном рынке, с зарегистрированным правом собственности, причем, квартиры, прошедшие тщательную юридическую проверку и независимую оценку рыночной стоимости. Это наиболее безопасное вложение. Достоинство ЖК, по словам Василенко, в том, что они не привлекают кредиты и не нуждаются в госфинансировании. Они способны решить проблему доступного жилья. У них одна-единственная задача — приобретение квартир для пайщиков, — заметил Василенко, — Они не имеют права привлекать заемные средства.

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17 Sep 2024 - 04:49 am

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17 Sep 2024 - 03:34 am

Tatuaż róży z wieków raduje się ogromną popularnością, także wśród adeptów sztuki ciała, kiedy a muzyków tatuażu. Jego istotna symbolika oraz piękno sprawiają, iż jest zatem pewien spośród niezwykle świetnych i powszechnych sensów w tatuażu. W funkcje z sztuki oraz tekstu, róża prawdopodobnie odczuwać wielorakie znaczenia, co organizuje ją fascynującym wyborem dla pań potrzebujących przedstawić siebie za usługą sztuki tatuażu.

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Warto dodatkowo pamiętać, że tatuaż to rola na całkowite życie, dlatego niezależnie od aktualnego, czy zdecydujesz się na specjalne studio, czy prywatne wykonanie tatuażu przy zachowaniu wyboru do tatuażu, ważne jest pomyślane rozwiązanie do schematu oraz symboliki, jaką wybierasz wydać.

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17 Sep 2024 - 12:50 am

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16 Sep 2024 - 11:44 pm

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16 Sep 2024 - 11:39 pm

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16 Sep 2024 - 11:22 pm

Scientists who discovered mammals can breathe through their anuses receive Ig Nobel prize
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The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.

We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”

In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.

American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.

Jeffreyhog

16 Sep 2024 - 10:45 pm

Scientists who discovered mammals can breathe through their anuses receive Ig Nobel prize
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The world still holds many unanswered questions. But thanks to the efforts of the research teams awarded the IG Nobel Prize on Thursday, some of these questions – which you might not even have thought existed – now have answers.

We now know that many mammals can breathe through their anuses, that there isn’t an equal probability that a coin will land on head or tails, that some real plants somehow imitate the shapes of neighboring fake plastic plants, that fake medicine which causes painful side-effects can be more effective than fake medicine without side-effects, and that many of the people famous for reaching lofty old ages lived in places that had bad record-keeping.
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The awards – which have no affiliation to the Nobel Prizes – aim to “celebrate the unusual, honor the imaginative – and spur people’s interest in science, medicine, and technology” by making “people laugh, then think.”

In a two-hour ceremony as quirky as the scientific achievements it was celebrating, audience members were welcomed to their seats by accordion music, before a safety briefing warned them not to “sit on anyone, unless you are a child,” not to “feed, chase or eat ducks” and to throw their paper airplane safely. There were two “paper airplane deluges” during the ceremony in which the audience attempted to throw their creations – safely – at a target in the middle of the stage.
Among those collecting their prizes was a Japanese research team led by Ryo Okabe and Takanori Takebe who discovered that mammals can breathe through their anuses. They say in their paper that this potentially offers an alternative way of getting oxygen into critically ill patients if ventilator and artificial lung supplies run low, like they did during the Covid-19 pandemic.

American psychologist B.F Skinner was posthumously awarded the peace prize for his work attempting to use pigeons to guide the flight path of missiles, while a European-wide research team was awarded the probability prize for conducting 350,757 experiments to demonstrate that a coin tends to land on the same side it started when it is flipped.