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[Teoerryliz]

Завышение цены квартиры
Ситуация достаточно непростая – многие знакомые автора, когда я пробовал разъяснить им, даже не понимали, о чем речь идет. Поэтому для начала все растолкуем. Например, у меня есть 2,5 млн руб., и я хочу купить квартиру за 5,5 млн руб. Соответственно, кредит мне нужно взять в 3 млн. Размер кредита получится в 55% цены квартиры. Если «виртуально» оценить квартиру в 6 млн, то получится, что потребные от банка средства составят уже ровно 50%. Я словно по волшебству превращаюсь в заемщика с огромным размером первоначального взноса – соответственно, банкиры и поболее добродушно станут на меня смотреть, и – возможно – проценты по кредиту снизят…

Вопрос о распространенности подобной диковины на рынке опять вызвал противоречия. Ира Кажикина («Релайт-Недвижимость») категорически заявила, что информация устаревшая: подобные фокусы были распространены до кризиса 2008 года, но на данный момент их нет. А в пресс-службе Сбербанка напомнили, что банк контролирует не только сумму, обозначенную в отчете об оценке, да и в договоре купли-продажи. Прочие специалисты оказались более осторожными в оценках: самым частым ответом оказалось «нечасто, но бывает».

Броско, что с инициативой «приукрасить» отчет к заемщику иногда обращаются сами оценщики: дескать, дайте нам 3000 рублей, и мы нарисуем вам красиво. Банки, естественно, фильтруют оценочные компании, с которыми работают. «Отчет от заемщика предоставляется лишь от аккредитованной банком оценочной компании, - гласит Сергей Ситин, начальник управления розничного кредитования Промсвязьбанка. – Аккредитация означает, что банк проверил деятельность компании, в том числе и ее репутацию, и доверяет ей определять цена закладываемого в банк неподвижного имущества. Оценочные компании, обычно, дорожат собственной репутацией и стараются не допускать предоставление недостоверных данных своим партнерам».

И все же такое случается. Общение потенциального заемщика происходит вовсе не с управляющим восхитительной аккредитованной компании, а с рядовым исполнителем, и о чем они там условятся – бог весть.

А самое любопытное – предстоящая судьба отчета. Дело в том, что необходимость в нем – требование закона «Об ипотеке», и банку таковой документ не особенно-то нужен. Потому, получив отчет об оценке (с любыми цифрами – хоть действительными, хоть завышенными), банк традиционно оценивает квартиру своими силами. Проще говоря, его сотрудник открывает базу данных по продажам квартир и находит там самые дешевые из подобных вариантов. И в завышении цены отказывает. Так что отлично и банку (знает истинную стоимость своего залога), и оценщику (получил доп «гонорар»). Не очень отлично, правда, заемщику – потратил 3000 руб. совсем зря. Но не нужно было взятку давать!
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Потребительский кредит под видом ипотечного
Банковских продуктов существует масса – об этом сейчас детки малые знают. И также всем известно, чем ипотечные кредиты лучше всех иных – они одни из самых выгодных для заемщика. И ставки малые (по сравнению с прочими), и сроки самые длинные. Потому те граждане, которым необходимы просто деньги (т.е. потребительский кредит), пробуют получить ипотечный.

Рассказывая о данной теме, многие банки выразили искреннее недоумение: вот у нас есть нецелевые кредиты под залог имеющейся недвижимости, таким методом совершенно законно можно получить средства на что угодно! Это, естественно, правда, относительно этих продуктов справедливо все то, что сказано абзацем выше – средств дадут меньше и под условия похуже. Поэтому стимул получить кредит типо на приобретение недвижимости все-же существует.

«Ситуация чрезвычайно редкая, - гласит Марина Мишурис (ФлексБанк). – Вспоминается только один подобный случай. Тогда торговец и клиент, как выяснилось, были в схожих отношениях – и возникло подозрение, что сделка купли-продажи по сути фиктивная, а средства будут использованы на личные цели. Кредит в итоге выдан не был, и проверить эту гипотезу эмпирически не удалось. А вообщем, отсутствие схожих отношений является неотклонимым условием для ипотечного кредита». «С такими случаями мы не сталкивались», - подтверждает Лена Ковырзина, директор департамента кредитования розничного бизнеса и МСБ Абсолют Банка. Вместе с тем эксперт соглашается, что если представить, что обладатель квартиры и «покупатель» договорились таким образом одурачить банк и получить дешевый кредит, отследить эту схему трудно. Хотя в этом случае у банка остается залог, на который в случае просрочки по кредиту можно обратить взыскание

В общем, в большинстве случаев подобные аферы строятся на том, что клиент и продавец – родственники. И разработка защиты банков обычно предельно ординарна – не кредитовать сделки, в которых меж сторонами имеется родство.
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Попытка скрыть обременение квартиры
В отличие от прочих приведенных в данной статье приемов (которые, строго говоря, мошенничество, но на бытовом уровне вроде как понятны и извинительны – ну, приписал себе человек тысяч 15 ежемесячной заработной платы) это уже самая настоящая уголовщина. Сущность сводится к тому, чтоб скрыть факт того, что квартира находится под обременением – и получить под нее 2-ой (а ежели получится – то и 3-ий, четвертый…) кредит. Честно скажем, о подобном мы слышали мало – но в интернете какие-то отголоски найти удалось.

Большинство наших профессионалов дружно заявили, что это в принципе нереально. Как справедливо отметила Сабина Хамитова, руководитель департамента ипотеки компании «Домус финанс», любые сделки с недвижимостью подлежат обязательной государственной регистрации и при ипотеке в Единый государственный реестр прав (ЕГРП) вносится пометка об обременении. А банк, выдавая ипотечный кредит, обязательно проверит юридическую чистоту – в том числе возьмет выписку из ЕГРП.

Однако Евгений Вальков («Экспресс-Кредит») сообщил, что один раз встречался с попыткой подобного мошенничества: она строилась на том, что свидетельство о собственности и прочие документы из ЕГРП были подделаны. Соответственно, пресечено мошенничество оказалось тогда, когда сотрудники банка самостоятельно обратились в Росреестр.

Марина Мишурис (ФлексБанк), отметив, что лично ни с чем подобным не сталкивалась, добавляет, что схожая афера просит чрезвычайно суровой «коррупционной сети» - либо в органах Росреестра, либо в самом банке. «Но и 1-ое, и 2-ое – очень трудно, поскольку существует крупная вероятность выявления подлога», - отмечает эксперт. А вопрос о том, что жуликам будет в случае поимки, здесь просто не стоит – учитывая масштабы аферы, также то, что организовывала ее криминальная группа, гарантированы тюремные сроки – причем не условные, а самые настоящие.

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[YoungerFiemn]

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Freakalicious is all about the bottom end, baby! Five freaky scenes! Five shakin' asses! There's a party on their pussies! You're invited to cum and see Lil Mo and Nickey get their nasty freak on! Watch as these mocha flavored hotties suck on large black poles like lollipops!When Sandy Knight last worked with Lorenzo Loretto (DearLorenzo.com episode 25) she didn't swallow all of his cum. Now Lorenzo needs to give Sandy some Discipline. If you like rough sex this title is for you. Watch as Sandy becomes the perfect submissive bitch. Don't miss Sandy getting face fucked, dick gagged, slapped, pussy fucked and anally pounded. Most of all Lorenzo makes sure she swallows every ...Homeboys dog the bitches out on camera. Watch as these hoes get tricked into sucking dick and giving pussy for free. Watch how the hoes in the dirty, dirty puts it down. Cum and enjoy how these hoes fuck and suck these homeboys dicks like a pro. Real people, real hoes on video.Misty Haze is excited. It's Memorial Day weekend, and Amber Chase has a big surprise for you! Amber is from Hollywood and is an AVN nominee for best girlgirl scene. Misty goes to the hotel to go pick up Amber. They talk dirty in the car until they get to Dick Shagswells POV blowjob and facial. Then shes so horny from that, she gets a pussy pounding from Dick. She really loves sucking on his cock and ...Nothing's hotter than all-black sex! These sexy couples all have a wild side, and they're not afraid to let their sexual appetites explode! Watch Diamond Jackson seduce CJ Wright into a hot, pussy pounding adventure he'll never forget. Jacky Brown show Tyler knight she's as nasty as they come! It's a black star attraction and you don't want to miss a minute! xxxxxx black pussy
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[YoungerFiemn]

Anna Malle chose that name to describe her "animal" sexual style. She appeared in 351 films. Nina Hartley once said that Anna was her "perfect partner", when she described her many scenes with her during the 90's. Anna was most famous for her lesbian and anal scenes. This wild child of the adult industry was also famous for her voracious appetite for cum and her wild, ...Hell's Ground Productions present "Hot European Chubbies 2"! These chubsters are horny as ever and they've got plenty of pussy to go around! Watch as they get pounded from behind and all their jelly shakes around as they take it deep and hard! Getting on their knees and blowing cock is not a problem for these gals and they do it well!Czech nymphomaniac Daria Glower gets wet very easily, her pussy juice flows at the thought of a good fuck. See what has really turned Daria on during her Private career, from muff diving to group sex, from kinky submission to oiling up her tits for the perfect tit wank. Includes an interview with Daria and an exclusive bonus scene shot especially for this movie.This is one fine collection of fine chocolate, starting with the amazing Marie Luv... So beautiful and so horny, she will make you cum and cum! Monster-butt Barbie is here with the huge ass from the south and she can fuck! Sweet and thick Nana is golden with everything perfect... Ass, face, and pussy! Plus Barbie is thick with a face from heaven! And don't forget sexy Stacy getting freaky!!!!!!Two of the ethnic-themed genre's most popular performers - Pinky and Cherokee work their "money makers" from start to finish. Their full repertoire is on display, as they slurp and suck and bang and fuck in brilliant fashion. Eight scenes and a Bonus "Off da' Hook" Orgy offer an added value to customers. A welcome addition to your Ethnic section! Bbw ebony granny
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[JevrryRox]

Awesome is a pure freak! She put on a few delicious pounds and every inch went to her rear end! Your favorite lady now weighs over 300 delicious pounds! Her measurements are 42dd-40-84!! Ok this flick is hot and that's because Awesome is a woman who knows how to take charge. The stud is a Virgin.... Yes he was! Wait until you hear Awesome cuss at her stud and instruct him in the fine art of super-size ...Special 2-Disc Set.Director Brian Pumper brings you a new bevy of beautiful young girls who are primed for a banging pumping. Nearly four hours of non-stop ebony cuties having one damn good time... Twosomes, threesomes too! Five new hot bitches is straight getting dick shoved down their throats and getting piped the fuck down! Bonus features include 58 minutes of behind-the-scenes footage.Vivian Schmitt is not seen in the public eye as a successful adult star. But today she changes that opinion and invites you along on a tour of her film productions and into her home and private life! We learn that she's an attractive and sympathetic wife who's also a passionate woman with carnal desires that would drive the average man wild! She will have your wanker standing at full attention and ...Angelique fingeringAngelique does a steamy masturbation on the stairs, rubbing, one and two fingers, different positions that can only be done on stairs, upskirt with no panties, and her hair is in sexy pigtail braids! Angelique swallows the loadAngelique gives an outstanding performance in this video. She loves to suck cock till it cums all in her mouth. She waits till her mouth is completely full ...These chocolate babes are sweeter than candy, they are as sweet as brown sugar. Sometimes when sweetening the ecstasies of fucking just regular sugar will not do, you have to use that easy to melt and sweet as hell brown sugar that melts in your mouth, but not in your hand! Black girl cum gif
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[YoungerFiemn]

See Savanna Samson and an amazing GREATEST HITS compilation of her award-winning hot, steamy and hardcore scenes, which will excite, entice, and please you!!! They go to show why these stars are truly shining so bright and you are sure to become Savanna's newest and biggest fan!!!MILF Honey presents Makin Porn. Five beautiful, sexy and horny young women that get prepared to be filmed for porn. Lindsay Layne is 19 and she gets one hell of a face fuck and loves to swallow. Hayley Page has an incredible body and loves to fuck like a rabbit. Sierra Sinn takes on a huge cock in her mouth, what a blowjob. Alicia Angel loves to have her ass fucked. Katie ray who is an 18 year ...This movie highlights some of the raunchiest oral performances with men and women. Oral is taking to the highest level in this movie as you see cum drinking, swallowing, blowjobs, pussy licking, deep throat, cum swapping and much more! The first scene opens up with a sexy Alana Moore showing off her great deep throat skills. The next scene is where two girls swallow and do some cum swapping. A threesome ...Finally, the much-anticipated follow-up to the blockbuster hit of the summer! Myblackassspace.com Version 2.0 has five sizzling scenes with some of the hottest chocolate honeys around. Smooth bubble butts, full, cock-loving lips and tight wet snatches are everywhere, devouring thick huge black cock!Diamond Jackson is the MILF of your dreams... 48 and fine, with a beautiful face and tits. She can fuck like crazy and her daughter is the prettiest girl in town! Puerto Rican beauty Candy is almost too pretty and has so much heat. Her mother Cherry is thick, and together they make a fantasy so nice, you will be struck. Diaballickall the MILF, has the fattest pussy around! There is so much kinky, freaky ... Black dick japanese pussy
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The fucking and sucking action with these big assed black chicks is non-stop!! They're on all fours wanting a big cock and on their knees to suck you off. These black ladies are the original phat ass women!!! You will not find any fake booty here. No matter what you've heard... Nothing beats a big THICK BLACK ASS!Damn, girlfriend is taking all 14 inches! Luxurious knows how to handle it all, she knows that pleasure is fresh new meat. Cassidy Clay is sho nuff a nympho, Kaylani Cream is a true Nubian queen who came to get down and Alexa Cruz is a cutie with head skills. Yeah he's got a big dick but he ain't got nuttin on these shorties, they take a lickin' and keep on ticking on that dick!Part 7 in this series. We didn't use the phrase XXX in these Black Girls Going XXXtra Crazy DVD for nothing. What you are about to see is hardcore extremely exposed nudity and more that just "Lovers Caught on Tape". The unrestricted behavior seen in this DVD will shock and arouse you bringing new dimensions to sex and partying. You will never forget the people and situations in this ...2-Disc Set. Eight full hours of beautiful black beauties with round booties giving their all to tease and please their man! This super long, super hot video captures the sexiest women of color to ever appear in porn doing some of the naughtiest, nastiest shit in porn! There's no wonder why these girls were chosen for this film!These fat fucks get these women nice and randy and in return they get their load off all over these hot sluts. This is proof positive that you don't have to lift weights and eat right to be able to fuck hot women. So keep sitting on your couch and eating what ever you want because there is still hope in the world!! Ebony teen incest
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This young lady loves to play sex games! She loves to get a guy real hard, then Patti loves to suck a guys cum loaded balls to her hot mouth just as he squirts his load. A simple day at home turns into the best sexual experience that she has ever had. Ron Jeremy makes her tight pussy do back flips with his tongue.Back that thang up! Bring on the tight squeeze into big bootyful bitches! Fuck her from behind and pack that ass with everything you've got. Lookin' for thick-ass cock-riders? These nasty ho's will suck and fuck and squeeze you between their big balloons! Tap that ass... It's a bootyful thing!If you like your women black, horny and ready to fuck, you've found the right movie! Check out 8 scenes featuring sexy black women that will help you release that load!Watch as hot babes fill their mouths with cock while they cup a handful of balls. See pussies licked and fucked hard! Every scene ends with a messy cumshot - mostly facials!This movie is 2 hours in length.Superstar directorperformersex icon Rocco Siffredi has put the girls he calls "the three best performers in the world" - AVN 2010 Female Performer Of The Year Tori Black, incendiary European Tarra White, and the transcendent Bobbi Starr - all in one movie. Says Rocco, "Tori was about passion and love. Tarra pulled out the animal in me and exposed my instinct. With Bobbi, it was about 'the game.' She's ...She can't sleep. Tries playing with her pussy, but no, her cat is no where to be found. So she gives her man a call and you can soon tell what's got her so horny. She's so hot for him, he can't even get his shirt off in time, before his pants hit the floor. But she wants that big dick of his in every position possible and he's happy to oblige. She wants big dick, he likes big tits. Everyone's happy ... Ebony pussy pics
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[JevrryRox]

Uncle Butnein is at it again. This old perv thought he could be in the porno biz so he goes this fine black girl to get it on video. He easily seduces her dark flesh, she trembles Roy spies Sister showing footage show 14 years ago dark thick hair she did not know she was caught doing the solo tango. Franks wife opens her nasty robe. Judy shows her rolls of married fat. Betty naked caught on the phone. ...Pimps up, Ho's down. It's time to spin the rims!! Find out which pimp is best!! Ho's want a pimp playa to ride!!! Rims spinning - Face grinning real playas fuck ho's in your face!!! 3 playas willing to show you whose top dawg. Whose gonna win the Pimp challenge Pretty Tony, G-Man or Reggie Reg? You decide, watch and judge fo' yo-self!Here comes 4 hours of super-fine cum-gulping whores swallowing cum by the gallon! Smokin' hot porn all-stars having loads of steamy fun! These young sluts love to have their naked bodies covered in gooey splooge! You can't afford to miss these young cum loving nymphos!Sunshine Films has compiled some of the hottest black porn stars together in a red-hot collection of scenes you do not want to miss!You'll see threesomes with girl on girl action. You'll see girls taking on 2 cocks at once too! There's anal sex, tit fucking, hardcore pussy pounding and, of course, plenty of messy cumshots! This movie is 2 hours in length.These colorblind studs mix it up and go buck wild with these ebony beauties! They say the darker the berry the sweeter the juice...and these well-hung studs are about to see just how juicy these babe's cherries are! Watch them lick, suck and fuck these cum-crazed gals in the wide open spaces of outdoors for some of the raunchiest interracial sex you will ever witness! Tiny teen takes big black cock
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[YoungerFiemn]

A is for anal, B is for blowjob, and C is for Carmen. Carmen Hayes that is! The buoyant beauty, breast-tacular, caramel beauty is back along with Vanessa Blue, Lexington Steele, Karen Kougar, Jonjon, and Ally Ray. 8 explosive, extremely hot scenes of Carmen doing some of what she does best, making you want to get off! Lexington Steele couldn't even stay inside her pussy for five whole minutes without ...Each volume of The Ultimate Anal Whore series brings you one of the hottest, nastiest, most popular porn stars! Watch them in some of the craziest, dirtiest, most perverted performances of their career, pushing the boundaries of hardcore action and doing anything and everything! From deep throat cock sucking to ass licking, ass fucking, double penetration, cum swallowing, cream pies, masturbation ...The Blacker the Berry, the Sweeter the Juice! Watch these chocolate asses bounce as they take poundings from monster black cocks and bust a nut over these mounds. Brothas you will not be able to stand it. These deep chocolate babes will need a black stallion that is willing to work her until reach the absolute pleasure!See who's on top of THE business...literally! Meet porn's overachievers! This compilation of horny studs and sex crazed babes will have you jerking your meet for the rest of night when you see how no hole is left untouched! These babes beg for more as they give oral, anal, group and even DP's! And they don't stop until they get their pretty faces and huge tits splattered with a fresh, hot, load of ...High Octane Ass Fetish Jack Off Material! Special Edition 2-Disc Set. "Here ya go Y'all... New Flick. New Adventure. Same hot shit for you to beat and stroke to. I present the good stuff. Booty, Booty and more BOOTY. Aurora Jolie's round booty is off the chain! Mya G. is the dynamic booty queen!. All of these sluts are ball draining teasers!. Enjoy!!" -DeVoe Big black round tits
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Here you see the big hot Wendy Wett fuck Tru a male stripper. She sucks and fucks and even rides this guy. Wendy gets a full work out in this one as she fucks in many positions. Don't miss this hard hitting action! If you like your girls sexy and chunky then Wendy is the girl to see!Momentz like this make you wanna stay in bed! Beautiful big butt nurses that want to give you ass! Women like Xena that can smash you! Kahfee is sweet caramel with crazy ass and the personality to make you do whatever she says! So much hot sex right here! Pure fantasy!John In-Depth produces Ebony Erotica as it never shown before. These African Queens show us how it feels to be a King. They just love to please their Mandingo Warrior, whether it is with their mouth or any hole they want to slide their shaft into. They are willing, ready and able to accept the "rod". They are just screaming in ecstasy.Sweat and sex go together in the world of porn. With bodies like the one on Cherokee and some nasty hardcore sex, you just can't go wrong. Cherokee is back like you've never seen her before. Watch as she and her cast of sex-starved maniacs fill up every hole with oil, sweat and sex. Tianna Lynne squirts all over Dick Tracy. 18 year-old mixed girl Tyra Spanks does an unforgettable fireplace romp with ...When times get tough and you can't find money then love, laughter and some good booty will brighten up the day! Super Selma and brother Scarecrow AJ will show you the way to easy days - Selma got ass and can talk a bit'a smack! Big Mama don't let no bullshit go down in her house - unless she's doing it! Big Mama got the big junk in her trunk! Enjoy non-stop laughs and heavy duty fuckin' n' suckin' ... Little black pussies
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Short Kame-Kun Prank Diary features a cute Asian getting it in with a timid man and his friends. She gets fucked all throughout the entire movie. Not only does she get fucked throughout four scenes, shes featured in double teams, gives blowjobs in the bathroom, and she even gets awakened only to fuck again!Check out these hot BBW's fucking and suck dick like crazy. They love sucking on a big, juicy dick and getting their asses licked. You might have seen Pink Candi, she's been in magazines and done videos for a lot of companies. But if you haven't seen her ... watch and you'll be amazed!Thickness is a private stripper who decides to show off her moves for the camera and went overboard. This woman is not shy and loves to show her hot wet snatch and even makes sure the camera catches her in every position. Watch her deep throat action or get when she rides a fat round 10 inch dick. Her favorite position is doggy style and wait until you see her shake her fat ass. This is a hot new ...These large lovelies cum so hard that they can't seem to stop...and when a big babe cums that much it is like a flood gate has been opened! But they don't mind...because the more they cum the happier they are!...and happiness is everything!Created by a Woman for Women"For once, I had a good thing going perfect relationship, perfect woman in a picture perfect world. But me, being simply me had to screw that one up bad ... really really bad!" - Justine JoliTWO TIMER ELUSIVE RUTHLESS SELF CENTERED CHEATER LIAR DAMAGED GOODS CONCEITED EGOTISTIC SELFVISH VAIN IMPETUOUS ISOLATED SELF-ABSORBED ARROGANT RECKLESS CARELESS THOUGHTLESS DELINQUENT ... Black pussy gangbang
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