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I read the news today oh boy :: About a lucky man who made the GRADE
And though the news was rather sad :: Well I just had to laugh
I saw the photograph :: He blew his mind out in a car :: He didn't notice that the lights had changed
A crowd of people stood and stared :: They'd seen his face before ...

"A Day In The Life", by The Beatles.

2006-10-18 :: IntwaySuccess: Mortgage Program of Intway Corporation

KOC. Independent Distributor of IntWay. Our today's newsletter is fully devoted to the mortgage program which practically has no analogues in the market of CIS-countries and the world in general. It is a common knowledge that a person, who is planning to get a mortgage in the bank, should collect a heap of documents and involve several guarantors to prove his solvency to the bank. Among other important conditions and mortgage requirements one can also find age restrictions, high initial down payment, obligatory insurance and term of the mortgage repayment. Banks also try to cover the risks connected with mortgages and that is why the interest rate can be as high as 15 % of the sum of the credit.
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KOC. Independent Distributor of IntWay. Our today's newsletter is fully devoted to the mortgage program which practically has no analogues in the market of CIS-countries and the world in general. It is a common knowledge that a person, who is planning to get a mortgage in the bank, should collect a heap of documents and involve several guarantors to prove his solvency to the bank. Among other important conditions and mortgage requirements one can also find age restrictions, high initial down payment, obligatory insurance and term of the mortgage repayment. Banks also try to cover the risks connected with mortgages and that is why the interest rate can be as high as 15 % of the sum of the credit.

Mortgage program of Intway World Corporation is much more accessible and fair: all successful partners who saved enough points on the investment account have already proved their material solvency to the Corporation. Thus, mortgage program offered by Intway World Corporation should be considered not only as one of directions of business-activity of the Corporation, connected with creating additional cash-flows, but mostly as a way of encouragement and compensation to the most successful and initiative partners. Personal real estate is an attribute of success and financial independence, and this fact is beyond controversy.

It has been just a few months since the launch of the mortgage program, and now members of Board of Directors congratulate Investment Partners with their first apartments. Among the first people to congratulate on this occasion are Nina Smirnova, and also a family couple - Olga and Damien Crassac, who bought their apartments in Bulgaria. Read the interview with the first new settlers of Intway below, and now some interesting facts about the mortgage system worldwide.

Mortgages: historical facts and present situation.

Arranging a mortgage is seen as the standard method by which individuals or businesses can purchase residential or commercial real estate without the need to pay the full value immediately. In countries where the demand for home ownership is the highest one, strong domestic markets have developed, and mortgages are widely used in life.

In the United States, mortgages became widely used starting since 1934. At that time, the Federal Housing Administration (FHA) lowered the down payment requirements and also lengthened loan terms by first introducing 15-year loans to supplant 3, 5, and 7-years loans which ended with a balloon payment. Until the 1930s only 40% of U.S. households owned homes; the rate today is nearly 70%. In 2003, total U.S. residential mortgage production reached a record level of $3.8 trillion.

There are many types of mortgages in the world, and below are the most popular ones:

1) Capital and interest.

The most common way to repay a loan is make regular payments of the capital (also called principal) and interest over a set term.

Depending on the size of the loan and the prevailing practice in the country the term may be short (10 years) or long (50 years plus). In the UK and U.S., 25 to 30 years is typical. Mortgage repayments, which are typically made monthly, contain a capital element and an interest element. The amount of capital included in each repayment varies throughout the term of the mortgage. In the early years the repayments are largely interest and a small part capital. Towards the end of the mortgage the repayments are mostly capital and a small part interest.

2) Interest only.

The main alternative to capital and interest mortgage is an interest only mortgage, where the capital is not repaid throughout the term. This type of mortgage is common in the UK, especially when associated with a regular investment plan. With this arrangement regular contributions are made to a separate investment plan designed to build up a lump sum to repay the mortgage at maturity. Sometimes such mortgages offer various tax advantages over repayment mortgages. Thus type of mortgages is also popular with the borrower gambling that the property market will rise sufficiently for the loan to be repaid by trading down at retirement.

3) No capital or interest.

For older borrowers (typically in retirement), it is possible to arrange a mortgage where neither the capital nor interest is repaid. The interest is rolled up with the capital, increasing the debt each year. The loans are typically not repaid until the borrowers die, hence the age restriction.

Islamic mortgages.
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The Sharia law of Islam prohibits the payment or receipt of interest, which means that practicing Muslims cannot use conventional mortgages. However, real estate is far too expensive for most people to buy outright using cash: Islamic mortgages solve this problem by having the property change hands twice. In one variation, the bank will buy the house outright and then act as a landlord. The homebuyer, in addition to paying rent, will pay a contribution towards the purchase of the property. When the last payment is made, the property changes hands. An alternative scheme involves the bank reselling the property according to an installment plan, at a price higher than the original price.
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