From August 21 comes into force a new version of the Law "On prevention and counteraction to legalization (laundering) of proceeds from crime," by which real estate agencies and notaries are obliged to inform the State Committee for Financial Monitoring of Ukraine on major transactions (the sum of not less than 400 thousand UAH .), which seem to them suspicious. So Ukraine is implementing the recommendations of the International Group for the development of financial measures to combat money laundering and terrorist financing (FATF). What it may turn out to ordinary Ukrainian citizens.
WHO "Under the hood". Calling the "big" deal in 400 thousand UAH. on the Ukrainian real estate market can only person with a unique sense of humor, given that in Kiev, even an old one-room apartment costs more. That is, the vast majority of transactions on purchase / sale of housing on financial criteria meant to get under control. However, this law could be even funnier. It says the head of the Committee on Legislation of the Association of Realtors (Realtors) Ukraine (ASNU) Svetlana Bovsunovskaya initially bar "accountability" would establish a 80 thousand UAH. And only ASNU efforts helped to raise it to its current level and its constituents do not all transaction, but only suspect.
Under suspicion. What would be considered "suspicious", finally it is not clear. Once it became aware of innovations, some realtors react like this: "I do not suspect me all transactions appear white and fluffy. Who wants to knock on the clients, and repel them in this nesytnoe time? But the State Financial Monitoring has prepared a so-called. risk criteria legalization of income obtained by illegal means or for the financing of terrorism (while they are still under consideration). The list of criteria, according to Svetlana Bovsunovskoy, includes dozens of items. Among them is simply
puzzling. Thus, the transaction is considered suspicious if the customer is a citizen of a country with high levels of corruption or crime, for what are usually referred, and ours. But take all suspicious transactions undertaken by the Ukrainians in their homeland, it would be weird. Moreover, the suspicion and then, when the client - a non-resident of Ukraine. Falls under the monitor and the one who performs mediation and representation activities on behalf of their clients, that is, according to Svetlana Bovsunovskoy, those who sell properties in trust. A suspicious and sale of the property on which the arrest is made with respect to those who are trying to sell the acquired mortgage apartment. But the most important of the criteria Svetlana Bovsunovskaya believes undercharge property on the market value.
About what price the question. The fact is that, as we have already mentioned, the majority of apartments are sold at prices different from the "market average". For example, according to EA Planeta Obolon, in July the average sale price was at 18.1% below the offer price of similar apartments. He who wants to sell the apartment quickly forced to cut prices even more. As if to prove inspection bodies "market" their price? Svetlana Bovsunovskaya recommends ordering an independent evaluation of the object of sale, so that it can confirm the validity of the price. And this extra cost, and not necessarily that the independent appraiser will come to the same price, which agree to both the buyer and the seller.
PREPARING confusion
Those who are called to embody a new order in life, should know what and how exactly to do. At present, such knowledge from realtors there, what they can advise their clients? However, the new rules, realtor, not only must inform the client of suspicious transactions, it is also forbidden - it is obliged to inform the client, not putting that in the fame. "Hour X" will come on August 21 and the first organized ASNU Gosfinmonitoringa and workshops in which representatives of real estate agents will also teach how to be vigilant to identify suspicious and competently "bang" on them, only to begin September 12. And the very approval of all regulatory documents, expected to be completed only by September. That is, the new law will have to act, but as it is, nobody really knows. While that information to the general public realtor came down to the publications in the press and holding ASNU Gosfinmonitoringa and round tables for representatives of the major real estate agencies in 7 cities of Ukraine. But the smaller agencies and those who work as a private entrepreneur, left out of this process. Director, Academy of Sciences "Optimum Plus and a member of the Council ASNU Yuri Bazelinsky sure that, although it will be difficult, training will take place in a short time, and realtors will be ready for a new pattern of work. "First, will take big agencies, which spend a lot of deals. And then begin to be trained by those who will face this problem" - says the expert. But the director of realtor company Golden Gate Holmetsky Alex recalls: "major agencies in the market - five percent. The market is saturated with private entrepreneurs, most of which really did not hear about this law." This lack of "revolutionary vigilance" is fraught with realtors for fines and other troubles, and check them on this account will be even prosecutors. All this may lead to what some people will tell "on the margin, even at that, on that and not be worth having. That is, referring to the realtor in this transitional period, can innocently find yourself among the "suspect dealers.
An idea whose Will the Khitrov
The idea that law-abiding citizens have nothing to fear control acquisitions by the state, not in harmony with the Ukrainian mentality. And do not comply with our realities, when most well-paid people the bulk of revenues will not fall into the field of view of the tax department. Therefore, says Yuri Bazelinsky: "Clients we need something understated. Many of the transactions will be fitted to the 390 thousand UAH.. Even if just for that subsequently prove to someone that he is an honest citizen. Now, says Alex Holmetsky, people tend to point out the real prices of apartments. When the law enters into force, the budget would wipe the money. At present, the opportunity for underreporting is, has the right to specify any value of the apartments, but not lower than that to which it
assessed the BTI, and it gives the amount of fun: studio hruschevke there may well be assessed in 30 thousand UAH. On the other hand, the authorities can block such opportunities to introduce such a compulsory system of evaluation, which will give real prices - for example, $ 60 thousand for the ones. "But when measured on 60 thousand dollars, many will not buy, - says Alexei Holmetsky. - Because, if anything, it proves the legitimacy of the origin of the money? We have 90% of people will not be able to prove it."
There is no doubt that the creative genius of our people once again will find ways to neutralize the next government's endeavors. But what are these ways, now hard to say.
WHO "Under the hood". Calling the "big" deal in 400 thousand UAH. on the Ukrainian real estate market can only person with a unique sense of humor, given that in Kiev, even an old one-room apartment costs more. That is, the vast majority of transactions on purchase / sale of housing on financial criteria meant to get under control. However, this law could be even funnier. It says the head of the Committee on Legislation of the Association of Realtors (Realtors) Ukraine (ASNU) Svetlana Bovsunovskaya initially bar "accountability" would establish a 80 thousand UAH. And only ASNU efforts helped to raise it to its current level and its constituents do not all transaction, but only suspect.
Under suspicion. What would be considered "suspicious", finally it is not clear. Once it became aware of innovations, some realtors react like this: "I do not suspect me all transactions appear white and fluffy. Who wants to knock on the clients, and repel them in this nesytnoe time? But the State Financial Monitoring has prepared a so-called. risk criteria legalization of income obtained by illegal means or for the financing of terrorism (while they are still under consideration). The list of criteria, according to Svetlana Bovsunovskoy, includes dozens of items. Among them is simply
puzzling. Thus, the transaction is considered suspicious if the customer is a citizen of a country with high levels of corruption or crime, for what are usually referred, and ours. But take all suspicious transactions undertaken by the Ukrainians in their homeland, it would be weird. Moreover, the suspicion and then, when the client - a non-resident of Ukraine. Falls under the monitor and the one who performs mediation and representation activities on behalf of their clients, that is, according to Svetlana Bovsunovskoy, those who sell properties in trust. A suspicious and sale of the property on which the arrest is made with respect to those who are trying to sell the acquired mortgage apartment. But the most important of the criteria Svetlana Bovsunovskaya believes undercharge property on the market value.
About what price the question. The fact is that, as we have already mentioned, the majority of apartments are sold at prices different from the "market average". For example, according to EA Planeta Obolon, in July the average sale price was at 18.1% below the offer price of similar apartments. He who wants to sell the apartment quickly forced to cut prices even more. As if to prove inspection bodies "market" their price? Svetlana Bovsunovskaya recommends ordering an independent evaluation of the object of sale, so that it can confirm the validity of the price. And this extra cost, and not necessarily that the independent appraiser will come to the same price, which agree to both the buyer and the seller.
PREPARING confusion
Those who are called to embody a new order in life, should know what and how exactly to do. At present, such knowledge from realtors there, what they can advise their clients? However, the new rules, realtor, not only must inform the client of suspicious transactions, it is also forbidden - it is obliged to inform the client, not putting that in the fame. "Hour X" will come on August 21 and the first organized ASNU Gosfinmonitoringa and workshops in which representatives of real estate agents will also teach how to be vigilant to identify suspicious and competently "bang" on them, only to begin September 12. And the very approval of all regulatory documents, expected to be completed only by September. That is, the new law will have to act, but as it is, nobody really knows. While that information to the general public realtor came down to the publications in the press and holding ASNU Gosfinmonitoringa and round tables for representatives of the major real estate agencies in 7 cities of Ukraine. But the smaller agencies and those who work as a private entrepreneur, left out of this process. Director, Academy of Sciences "Optimum Plus and a member of the Council ASNU Yuri Bazelinsky sure that, although it will be difficult, training will take place in a short time, and realtors will be ready for a new pattern of work. "First, will take big agencies, which spend a lot of deals. And then begin to be trained by those who will face this problem" - says the expert. But the director of realtor company Golden Gate Holmetsky Alex recalls: "major agencies in the market - five percent. The market is saturated with private entrepreneurs, most of which really did not hear about this law." This lack of "revolutionary vigilance" is fraught with realtors for fines and other troubles, and check them on this account will be even prosecutors. All this may lead to what some people will tell "on the margin, even at that, on that and not be worth having. That is, referring to the realtor in this transitional period, can innocently find yourself among the "suspect dealers.
An idea whose Will the Khitrov
The idea that law-abiding citizens have nothing to fear control acquisitions by the state, not in harmony with the Ukrainian mentality. And do not comply with our realities, when most well-paid people the bulk of revenues will not fall into the field of view of the tax department. Therefore, says Yuri Bazelinsky: "Clients we need something understated. Many of the transactions will be fitted to the 390 thousand UAH.. Even if just for that subsequently prove to someone that he is an honest citizen. Now, says Alex Holmetsky, people tend to point out the real prices of apartments. When the law enters into force, the budget would wipe the money. At present, the opportunity for underreporting is, has the right to specify any value of the apartments, but not lower than that to which it
assessed the BTI, and it gives the amount of fun: studio hruschevke there may well be assessed in 30 thousand UAH. On the other hand, the authorities can block such opportunities to introduce such a compulsory system of evaluation, which will give real prices - for example, $ 60 thousand for the ones. "But when measured on 60 thousand dollars, many will not buy, - says Alexei Holmetsky. - Because, if anything, it proves the legitimacy of the origin of the money? We have 90% of people will not be able to prove it."
There is no doubt that the creative genius of our people once again will find ways to neutralize the next government's endeavors. But what are these ways, now hard to say.
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