Map of New York, Street map of New York

New York City includes the island of Manhattan Island Staten Island, the western part of Long Island, part of the North American continent - (Bronx), and several small islands in the New York harbor. New York is about 40 ° north latitude and 74 ° west longitude. The highest point in New York is Todt Hill-Hill, a height of 125 m, which is located on Staten Island. Staten Island - the hilly, spacious and least populated area of ??the city. In densely populated Manhattan, on the contrary, the land is limited and expensive, which explains so many tall buildings and skyscrapers. According to U.S. Census Bureau, the city has an area of 1214.4 km, of which 785.6 km - land and 428.8 km (35,31%) - water.

Mortgage credit

Mortgage credit

In March, against the construction of the crisis, Prime Minister Vladimir Putin has suggested the possibility of building a savings bank. "German" model of the accumulation of housing has proven to be effective in Europe, even in the most critical periods. And whether it suits us? Experts with whom we consulted, one thing in common: only government guarantees will make this idea viable.

In the past two years have been trying to bring under stroysberkass Institute (SSK), the legislative framework, but each time the State Duma has postponed consideration of the draft. The intention of the document from the "Fair Russia", the scheme of this funding mechanism is extremely simple: the accumulation of 20% of the purchase price the investor will be able to grace the long-term loan at 2-3% per annum for the remaining amount. If the depositor will deposit funds on hand amounting to 70 thousand rubles from the budget (municipal or federal) on the same account will be credited 20% of this amount, but not more than 14 thousand rubles.

Mortgage at 15% per annum

Mortgage at 15% per annum

Yesterday, General Director of the Agency for Restructuring Mortgage Loans (ARIZHK) Andrew Languages, said that the government intends to lower the rate on mortgage loans of up to 15%, reports Prime-Tass. According to Mr. Yazykov, taking into account Russia's inflation rate it will be reasonable for the support of the Russian mortgage market. According to bankers, the rate reduction is certainly a boon, but one is not able to support the mortgage market. Banks need better mechanisms for refinancing loans, and borrowers - to improve the welfare.
According to Andrei Yazykov, the mortgage can not exist in the double digits, "A reasonable rate should be less than 10% per annum, and in view of Russia's inflation possible is 15% per annum." Accordingly, he said, the government has set itself the task to make a bet on mortgage loans is less than 15% per annum. Mr. Languages ​​also noted that in order to stabilize the situation in the mortgage market to normalize the situation in the housing market. "Currently, at the federal level, a program designed to offer significant growth, which will focus on the construction of budget accommodation worth up to 30 thousand rubles. per square meter ", - said Andrey languages.