gradjevinar 25m

7/25/2019 Gradjevinar 25m

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- BILINGUAL srb/eng

- 2011.

300 7KM, BiH F EDERACIJA 7KM,CRNA GORA 4 EUR, HRVATSKA 30 HRK,EUROPEAN UNION 4 EUR

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/ Publisher:PLANTEC MEDIA d... 41, 11090 , . / tel: 011/ 3056 516 / fax:011/ 3056 134E-mail: offi [email protected]

, / director-editor

/ marketing director

[email protected]

/marketing assistent

- /graphic editor -

/ Lector

:/translator

/ graphic design [email protected]@gmail.com

/ Printing,,Jovi printing centar d.o.o.

CIP - , 624

: ISSN 1452-5303 = ()COBISS.SR- ID 130817292

.

Publisher is not responsiblefor the veracity and credibility

published ads and promotional texts.

Beginning of spring marks the start of another construction season.

Nature is waking up, and with her shy, some new hope, even though the last year

has been tough, maybe this year would bring something new, better.

Tis early spring it will be marked by yet another fair, the most signicant con-

struction event in the region. In deance of the crisis, this year the fair will bring

together nearly 90% of traditional exhibitors present each year, which means that

this event is still considering the best place to present and solicit business.

Unlike the pictures on the fair, picture in the eld is still diffi cult, the economic

crisis is not better, the economy is slowly repaired, there is lack of investments, the

question is how to run things?

Even if you have money, courage and good will, the bureaucracy with a bunch of

paper will slow you down and put off work for some time. World Bank offi cial data

shows that Serbia is at the 176th place on Doing Business list, which shows how

quickly you get building permits. Tis means that the investor has to knock on the

counter and wait twenty permission even 279 days. Te new law says otherwise,

that if an investor has all the necessary paperwork for a license will be suffi cient 90

days, at least according to Nebojsa Janjic, Assistant Minister for Spatial Planning.

Te law, which should be adopted in time of publishing our magazine, gives aperiod of ve years that the building is completed and to get an occupancy permit,

otherwise investor will pay compensation for amount of property taxes as if the

object is completed.

Tat something in this country is in process of construction tells us nished

shopping center Forum in Nis and the West 65 in Belgrade, a modern residen-

tial and offi ce complex that is building momentum.

Editorial board of Builder Magazine, will try to publish magazine regularly and

to inform you about the situation in Serbian construction, that passes one of the

most diffi cult period in its existence.

Te Builder Magazine Editorial Board

Here we go again ...

5


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/ ADVETISERS Strana /Page

Keramika Kanjia Plus d.o.o. 1

Yu-Kambera d.o.o. 1Sauter Serbia d.o.o. 1

Konstruktor Konsalting d.o.o. 2; 18

DP Beogradski Sajam 3; 8; 48

Termodom d.o.o. 10

szr Granora Novak Markovi 12

Rolomatik d.o.o. 13

Terra Srbija d.o.o. 14; 61

Trox Austria GMBH 16

Spark Systems d.o.o. 22

Halar d.o.o. 22; 51M.P.A. Petrovi d.o.o. 23

SSAB Swedish Steel d.o.o. 24

Instalacija Inenjering d.o.o. 27

Metal-Cinkara d.o.o. 29; 63

Kema d.o.o. 30

Jub d.o.o. 32

Piramida d.o.o. 35

Lever Inenjering d.o.o. 38

Zorka Keramika d.o.o. 39

Zorka Opeka d.o.o. 39Novosadski sajam a.d. 40

Teknoxgroup Srbija d.o.o. 41

Weinberg 93 KFT 45

Layher d.o.o. 46

Roma Company d.o.o. 46; 62

Cini aak d.o.o. 47

Silex d.o.o. 53

Trimo Inenjering d.o.o. 54

Proholz Steiermark 56

Brabo d.o.o. 58

Instruktor 021 d.o.o. 59; 70

Knauf Insulation d.o.o. 60

Metal-Produkt d.o.o. 63

CEDEF 68; 74

Atlas Copco a.d. 69

Microfill d.o.o. 70

Palisada d.o.o. 77

M-Profil d.o.o. 79


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/ C o n t e n t

WWW.GRADJEVINAR.INFO

The electronic edition of the magazineGraevinar can be downloaded rom the site

WWW.GRADJEVINAR.INFO

/ Interview

- - We move limits

/ Actual

- 279 - 279 days to get permit

- , , ...- Property taxes depend on the size, age, location ...

- - - Loans - Mistake can cost thousands of euros

- ()

- Our main problem is (lack of) education

/ Legislation

- - Building permit is valid for five years

/ Projects

- "" - Shopping center "Forum" in Nis

- - New hart of New Belgrade

/ Energy & Ecology

- - Energy passport imperative for new buildings

/ Meet Serbia

- , - Energy passport imperative for new building

THE MAGAZINE IS DISTRIBUTED FREE OF CHARGE

TO ALL CONSTRUCTION COMPANIES ONTERRITORY OF SERBIA AND SERB REPUBLIC

08

20

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42

64

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75

49

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Mirjana Jovanovi, head of theproject of the South-East EuropeBelgrade Building Expo

, 37. SEEBBE 12. 16. 2011. . , , -


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12. 2011. 10:00 - 19:00 13. 2011. 10:00 - 19:00 14. 2011. 10:00 - 19:00 15. 2011. 10:00 - 19:00 16. 2011. 10:00 - 17:00

500 rsd 900 rsd 350 rsd

www.seebbe.com


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Mirjana Jovanovi, head of the project of theSouth-East Europe Belgrade Building Expo

Its leadership position, the BelgradeFair of Civil Engineering has system-atically promoted over the past 16 years,

since in 1996 separated from the ech-

nical Fair - a sort of mother of all fairs.

Construction Fair in Belgrade became the

most important specialized fair in this branch

in the entire region of Southeast Europe.

International evidence for the impor-

tance of the Fair of Civil Engineering at

the Belgrade Fair also is a membership in

the Union of International Fairs (UFI) in

Paris in October in 1998. Year.

Mirjana Jovanovic, an economist, project

manager and chief organizer of this inu-

ential exhibition event, said in an inter-

view for our magazine, that SEEBBE is nolonger only Belgrade and Serbian charac-

ter, he is also the largest exhibition event

in the construction of Southeast Europe.

- During the last ten years engaged in an

exhibition space and number of domestic

exhibitors increased four times, and the

number of foreign exhibitors six times. Te

number of visitors has increased tenfold.

Under the slogan we move limits, Bel-

grade Fair will this year organize a leading

fair in the construction industry in SouthEast Europe - SEEBBE.

Why is the slogan we move limits?

- Because the latest technologies shown

at SEEBBE will move the limits to set

standards in the construction industry in

this part of Europe.

Tis year we also expect a great visit of

experts, that the Fair experience as a meet-

ing place for civil engineers in the region,

a platform for the presentation of inno-

vations which are essential to strengthen

competitiveness and productivity, as well

as the opportunity to further educate the

knowledge that they adopted at profes-

sional conferences.

In these interactive relationships be-

tween exhibitors and professional visitors,

in the dialogue of experts, created the idea

of innovation and therefore it is fair SEEB-

BE meeting place drivers pulling forward

the entire construction industry.

It is known that at the SEEBBE is al-

ways looking for more square, how the

global economic crisis, which hit hardest

in Serbia, building industry, inuenced bythe replacement of traditional exhibitors?

- Again we have almost 90% of traditional

exhibitors present each year, which means

that exposure to this specialized event,

considered the most economical way to

meet with old and potential customers

from the region who have the opportu-

nity to see live exhibits, touch them and

attend their demonstrations, and to com-

pare them with competitors. Presenters

are leaders in the market, but start upcompanies also. Leaders are important for

the reputation of one of the event, but it is

important that they participate in order to

dene its position, maintain it and secure

it. Exhibitors, who are beginning to win the

market, it is important to use SEEBBE to

present its activities and products, as this

is the place where in the highest number

of contacts between companies in relation

to other construction fair in the region.

ell us more about the organization of this

years fair, in addition to domestic, from

which countries will be other exhibitors?

- Te number of registered exhibitors has

gone nine hundred, of which one third

comes from abroad. Te partners have

lled all eight halls and almost the entire

gallery hall 1, and the most attractive posi-

tion in the outdoor exhibition area.

In addition to the traditional national

exhibitions Italy, Greece, urkey, Croatia,

Slovenia, and this year we have a perform-

ance of Hungary and the Czech economy,

but also for the rst time, the appearance

of Bavaria in the Hall 5.

SEEBBE building is the central event, areal opportunity to introduce new prod-

ucts and solutions, but also an opportu-

nity to reward the best. Whats new pro-

gram brings this years fair?

- Belgrade Fair exhibition encour-

ages innovation award presentation new

vista and Special Recognition that our

award-winning exhibitors use for mar-

keting purposes. Tere is a growing ap-

plication in the practice of winning pro-

grams, because the time of the cheap andpoor construction passed. An increasing

number of investors that are interested in

how an object to behave in exploitation,

and how energy effi cient products and

practices are used.

Educational function of the fair is be-

ing implemented through professional

programs, which will be the central

theme SEEBBE this year?

We move limitsUnder the slogan we move limits , 37 International Construction Fair SEEBBE opens its doors

12th April and will last until April 16, 2011th year. More than nine hundred exhibitors and eightnational exhibitions testify, despite the global economic crisis, of great interest to participate inthe largest construction fair event in this part of Europe

Interview

Convesation ledIvan Sretenovi


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- With regard to the energy effi cient building itself as an impera-

tive of modern architecture in the world, and this year we will

organize, within the professional program, a set of energy effi -

ciency in buildings. Set prepared with the Agency for Energy Ef-ciency and Commercial Missions of Germany and Denmark.

In this way, Belgrade Fair joins the European Renewable Energy

Week which runs from 11-April 15 this year.

Plan and the continuation of the Color Green where we will

stand with the celebration of green balloons, allow our selected

exhibitors and free presentation of green program in a certain

area in the hall.

SEEBBE each year is more advanced in the organization and

content that it provides the plans for next year?

We will try, in the future, to move limits both in quality and

innovativeness of the organization and diversity of the presented

products and technologies.

Mirjana Jovanovi, project managerInternational building fair SEEBBE


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2009. INDUSTRIEHOLDING -

, Terra .

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- MAS-SEY FERGUSON, - LINDEN COMANSA, SENNEBOGEN RUBBLE MASTER.

TERRA Jug Terra Jug, -

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TERRA 55 - - -- 12 . TERRA , 2000. , -

INDUSTRIE HOLDING, -

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JCB , TERRA JCB - EcoDig,EcoLoad EcoRoad , - , - , .

Terra Srbija d.o.o.

JCB 3CX 4CX 15. TERRA Sr-bija doo , JCB Terra -. - JCB , Terra Srbija d.o.o. .

JCB - , - , - .

Terra Srbija JCB Industrie Holding: (MarkTelleck), JCB , (Richard Myles), JCB (Herbert Marchula), Industrie Holding.

Terra Srbija


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LEED (Leader-ship in Energy and Environmental De-sign) . US-GreenBuilding Council -

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NGA TROX 4000 . NGA National Geospatial - intelligence Agency Fort Belvoar - . 2007. 200.000m, , , - . TROX - (acitve and passive chilled beams)

TROX GmbH

TROX Austria GmbH 2911000 : 011 2622 766; 011 2622 543: 011 2624 150offi [email protected] www.trox.rs


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Konstruktor Distribucije - , - .

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Konstruktor Distribucij doo - , , , , - .

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Konstruktor distribucija d.o.o. Konstruktor Konsal-

ting ,

Claudia Vojki

Ivana VrziKonstruktor Distribucija d.o.o.

Konstruktor DistribucijaKonstruktor Distribucija


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Konstruktor Distribucija

Konstruktor Konsalting d.o.o.. . 10, E-mail: offi [email protected]./: +381 11 256 22 31 www.kkonsalting.com/distribucija

Insotherm RPU

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INP, IPE,IPB (HEB), IPBV(HEM), IPB-I (HEA)

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Insotherm SFPU Insotherm WPU Frigofresh


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By the slow pace of publishing the paper Serbian 176th place of183 countries on the list of World Bank.

By the speed of construction, Serbia is in 176th placeof 183 countries, it is on Doing Business list, of theWorld Bank. o reach the permit investors have to knock onthe twenty counters and wait on average 279 days.

Serbia has more procedures than in the former Yugoslavia,but less than the amount in European Union member statesfrom the immediate environment. And they are not in dispute.But by the time spent on hold licenses we are at the bottom ofthe list. Only in Slovakia and Croatia investors spent severaldays in waiting, but so far the largest in our cost of obtainingpermits. And thats the main reason for our country, from year

to year, falling two places on the world list.

One reason for such a bad image of us is a methodology,which is used by experts at the World Bank ranking of coun-tries, say experts. In fact, compensation for construction land iscredited to the cost of obtaining documents.

So therefore there is a large amount, because it is known thatthis fee is considered one of the major costs in construction.It is precisely because of this the Ministry of Environment and Spa-tial Planning slows with the World Bank. Nebojsa Janjic, AssistantMinister, said that Ministry constantly tries to explain to the ex-perts of the nancial institutions that compensation for land is the

cost of infrastructure and equipment that can not be equated withthe expenditures for obtaining permission only. If this explanationin the future be respected, Serbia would be located in the top 50countries by the speed of issuing permits, said Janjic.

It also indicates that the ranking of a country to model thenew plant or warehouse on the outskirts of the capital.

Since the fees for the most expensive land development inBelgrade, and permit the longest waiting time, hence the badposition of our country on the list Doing business.

Janjic also notes that the reports for 2010 and 2011. One isbeing based on the old law on planning and construction. Un-der the new law say it for a site, building and occupancy per-mits, provided the investor to hand over all the paperwork maytake up to 90 days. Location permit in Serbia, he says, is issued

in two weeks, if the area where the building is covered plans andif the investor has all the necessary documentation. So muchtime is needed for a building permit.

It is interesting that in this years report, except Hungary andRomania, which brought new regulations, shorten time andreduce costs, and thus occupy a higher position, special atten-tion is paid to Croatia. A World Bank report says Croatia as acountry that has done most to reduce the procedures and costs.Compared with Serbia in this neighboring state investors arewaiting for more licenses, but the land is cheaper so the cost ismuch lower.

Actual

279 days to get permit

Writed byM. AVAKUMOVI

POLITIKA


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Desk telephone revenues are red-hot and one month aerthe entry into force of the new property tax. Citizens arenow clear that their tax liability will be signicantly larger, butthey do not understand how the municipalities will determinethe value of their property. Will they come to the house of the taxso assessed age of windows, will box in a street cost the same for

all objects, and what if you do not agree with the estimated valuesare just some of the questions.Te real answer is in government revenues to the municipality

where the property is located. Practically, the value of the prop-erty depends on the size and age structure, price per square me-ter, number of points depending on its equipment, and in the endzone in which the property is located. All this plus depreciationand tax credits affect the nal tax rates.

- Te facility is rated the quality of equipment of the apart-ment, rather than what the house is built, such as carpentry, asthe warming, you have the facade, of which the object is created.Tere are three options for ooring. All this is stated in the taxreturn, and any changes must be reported no longer than ten days

of its creation - we are told in a tax offi ce on the outskirts of Bel-grade. Valuation is done once a year, other than land.

- Practical, high building is equipped with 500 points. It isdivided by 695 (what is the maximum number of points for thehighest quality facilities), so the obtained coeffi cient multiplied bythe number of squares, price per square meter, and the coeffi cientof the zone. From the amount thus obtained is reduced deprecia-tion, which is under the new law of 0.8 percent per year up to 40percent - said Head of Department in the Local ax Administra-tion of Nis, Zoran Albijanic.

Amount received from this equation is the tax base is thenmultiplied by the tax rate. It under the new law amounts to 0.4percent if the local assembly of cities and municipalities do not

prescribe differently. Te resulting amount is reduced by taxcredits that the new law also reduced. Practically, the right to de-duct up to 50 percent exists only if the owner lives in the housealone. Maximum reduction of the tax credit is 20,000 dinners.

For objects in the center of Nis area ratio is 1, the second zone is0.8, and 0.6 on the periphery. Practically, for a house in the centerof the square as the annual tax would be just under ten thousand.Tis is only if the house is a year old and that the tax credit is highbecause the owner lives alone.

Special tax return is for the garage or cottage, and the formulafor calculating value is the same.

Kaca Lazarevic, co-owner of the agency, Alka said that com-mittees in the next month and a half yet to determine a price persquare meter and zone. It is believed that the cost of squares af-fects the average price for a certain part of town, and that a streetcould have several zones. oday, for example, in the municipalitySurin every street has several zones. In Vojvodjanska Street thatruns along the whole village some houses belonging to another,

and a fourth zone. Same zoning is in the center Surcin.We learn that here in the zone affected by infrastructure, prox-

imity to cultural facilities, including the Airport Nikola esla.Lazarevic said that the main stumbling block will be the possibil-ity to challenge the valuation.

- You can appeal to your property is worth less than estimated,but for nothing. Te law provides for the right to appeal, but sofar no one has won a dispute with the ax Administration - La-zarevic said.

What exactly will pay taxes in 2011 will be known only whenlocal governments determine the tax rate. Ministry of Financehas prescribed a single rate of 0.4 percent for real estate and 0.3percent of the land. Local governments have the right to make

changes to the end of March. Mayor of Nis, Milos Simonovic,considers that the tax rate is 0.2 percent.

Legal entities easily

Te value of business premises will be assessed the tax. Legalpersons will pay tax on the carrying value of assets, which formost companies is zero, or close to zero.

Actual

Property taxesdepend on the size, age, location ...

The value of the property on the basis that the property tax bill depends on five factors, each

of which tax liability can be lifted or lowered for a few thousand. To determine value, taxpayerswill not enter into objects, but based on the tax return to evaluate their age, area, equipmentand location. Score the doors and windows, heating, insulation, proximity to cultural institu-tions, infrastructure ...

Writed byS. Bojadi i B. Janakovi

BLIC


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Kema d.o.o ., Bul.Mihaila Pup ina 10v,11070 Novi Beograd, T: 011 301 88 99, F: 011 301 85 85, E: [email protected]


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his is one of the novelties in the amended Law on plan-ning and construction.o reduce waiting time for the start of construction, investors

will be requested for the issuance of building permits, by freechoice, to submit preliminary or nal design.

When the building permit is issued based on preliminarydesign, the builder is obliged, before the application papers doa major project. With the application will only attach a reporton technical control, rather than three copies of the project,

as now.

Tis is a legislator out to meet investors, and the focus shiedresponsibility to the profession, that is, to some extent increasedthe responsibility of designers.

Since the municipal administration had used to ve times theinvestors are asked to submit the missing documentation, the fu-ture will be entitled to only one request. While the public enter-prises as the main brakes on licensing (because of their signaturewaited several months to years), the future will have a monthavailable for approval. If they do not follow them, they will sufferthe sanctions for the economic offense and violation.

As for the conversion rights to use that land ownership rightsin a fee paid by owners of companies acquired through privatiza-tion or liquidation, Aleksandra Damnjanovi-Brown, AssistantMinister, said that there are no news.

- Everything remains as before the law changed. And the de-cree that was to follow for a month aer the adoption of amend-ments will more accurately dene the conversion - she said.

Te new law expanded the text, however, the list of those whocan convert the right to use free of charge. Tis primarily refers tothe holders of rights of use on undeveloped building land (otherthan the companies from privatization, bankruptcy, public com-panies and sports associations). Tis category includes for exam-ple the elderly, and owners of agricultural land that by repurpose

the building land received the status of the user.

All those who are eligible for conversion free of charge nolonger have to submit an excerpt from the list of real estate,which, according to the rating of writers new version of the law,should speed up these procedures.

By the law now is specied when and who must pay the reappropriation of agricultural land to building land. Undoubtedly,emphasized Aleksandra Damnjanovi-Brown, that all that thechanges were made until 1992. -re-appropriation will not pay.

Our interviewee points out that created a legal opportunity

to all owners of building land in public ownership, not just localauthorities, dispose of development land. Tat basically meansthat the state through the Republic Directorate for Property ofpower to dispose or leased plot, which till now was not the case.

And as an introduction to public-private partnerships facili-tated by the shortened procedure when a natural or legal personwith their money equipped construction. Te most importantinnovation in the eld of urban planning is a shortened proce-dure for adoption of planning documents and procedures foramending existing plans.

For painting no permit is required

On the objection of the Anti-Corruption to the municipalitiesis given the discretion to determine what is current and what isinvestment holding, Aleksandra Damnjanovic-Brown, Assistant

Minister, said that it is through changes in the law clearly demar-cated.- We explicitly specify what is one thing and nothing else. In-

creased the number of objects that do not obtain the locationand building permits and species that objects do not need anyact of the competent authority for routine maintenance such aspainting, replacement of tiles, sanitary ware, etc. - says Aleksan-dra Petrovic Damnjanovic.

Legislation

Decades-old problem of unfinished buildings, which are largely making cities uglier, the futurewill be resolved by introducing new rules by duration of construction permits. Investors willhave to build facilities and to obtain occupancy permit in maximum five years of receiving the

permit. If they fail, they will have to pay the compensation (on account of Tax Administration) inthe amount of property taxes as if the object is completed

Building permit is valid for ve years

Written byM. Avakumovi

POLITIKA


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Kamatica.com portal gives you thebasic recommendations on how to selectthe best mortgage loan and the conditions

that give particular attention during theprocedure for selection and implementa-tion of housing loans:

Determine your credit ratingo be able to apply for a mortgage loan,

it is essential that a borrowers creditwor-thiness have the appropriate monthly pay-ment obligations under the loan. If youare applying for a loan with a co-debtor,the same rule applies to him. Your creditrating can be determined by apply for aCredit Bureau report through commercial

banks or directly to the headquarters ofthe Credit Bureau. Permitted indebted-ness on the mortgage loans is currentlylimited to 50-60 percent of the monthlysalary of the borrower and the co-debtor,but it is recommended that you shouldnever borrow to the maximum limit.

Gather information about the condi-tions of housing loans in as many com-mercial banks.

Only in this way you will be able toevaluate which offer is the cheapest foryou. Offers of commercial banks is char-acterized not only by the interest rate ona mortgage loan, but in the time requiredfor approval, necessary documents, themaximum allowable indebtedness of theborrower, associated costs, the amount ofdown payment, maturity, currency index-ation and many other conditions.

As many bids you collect, you will havegreater choice and more likely to choosethe best credit.

Compare the effective interest rate(EIR) offers commercial banks

Te effective interest rates on housingloans are the most complete indicator ofcost of credit. It is very important thatfrom commercial banks you obtain pre-cise information on the amount of the ef-fective interest rate (not just the range inwhich will move the effective interest rate)and compare with the same informationyou get from other banks. Although notshown some of the terms of loans, such asspeed of processing, the cost of obtainingdocumentation and the like, the effectiveinterest rate is the best measure of priceof a loan and must be taken as one of thecrucial criteria for the decision on how toapply for credit with certain commercialbanks.

It is very important to bear in mind thatthe effective interest rate loans indexed in

different currencies are not comparableand should not be considered.

Decision on the index currency, creditmust be made independently of the EIR,taking into account the expected move-ment of the currency rate in the future.

Pay attention to the high costs thatyou expect the credit approval

Loan approval procedure entails anumber of expenses that you pay a com-mercial bank, the relevant institutions for

verication and issuance of documents,insurance companies, appraisers and otherentities involved in this process. In addi-tion, in granting housing loans pay andparticipation, this is dened to offer a com-mercial bank. It is advisable to count onabout 5 percent of the loan costs you areobliged to pay before the payment of loans,what else should be added to a dened per-centage of participation in mortgage loans.

Mortgage Loan

Mistake can cost thousands of eurosBuying an apartment or house is one of the most important things in life of people. Due to

the high value, usually apartments are bought through the purchase of housing loans bycommercial banks. Just a small mistake in choosing the right mortgage loan can cost youthousands of euros in the years of repayment, and it is necessary to carefully choose and toact responsibly during the loan repayment


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Find out about the conditions under which it may be a change in interest ratesSince this is a long-term loan, banks oen put in the contracts clause of the vari-

ability of interest rates. Tis change has to be conditioned and come to it only if the cir-

cumstances of the agreement with the client. Te formula of interest rates on housingloans usually include the international interest rate - Euribor and Libor, which alignswith the interest rate on a mortgage loan. Commercial banks are in the agreementstates how oen to synchronize, so you dene the intervals and frequency of changein interest rates on housing loans.

Toroughly inspect the duration of the procedure for granting housing loans inany commercial bank, so you can plan a time where you realize the Property Pur-chase Agreement

Homebuyers are oen located in an unenviable position in which one side has acertain date to conclude the Agreement on the sale of the property with the seller andthe other to provide money from commercial banks that will nance the purchase ofreal estate. It is therefore necessary to inquire how long approval procedures of hous-

ing loans in a particular commercial bank, in order to notify the seller when you canexpect your payment. Oen happens that because of this discrepancy property is soldto another buyer, and the borrowers to remain in the middle of the loan approval pro-cedure, with prior expenses to cover the associated costs of housing loans.

Keep track of your obligations during the repayment periodUnless you are obliged to regularly repay your housing loan by equal monthly in-

stallments, the contract with the bank dene and other obligations, such as regularevaluation of real estate, insurance, real estate, income earnings over the bank you lendand the like. Less well known is that the beneciaries of housing loans that required ina given period (usually 3 years) obtain a new appraisal of the property. Tis assessmentis certied appraisers, who for his services usually charge a fee of 100 euros.

Also, the borrower must provide a regular property of extraordinary events, andthe price of insurance depends on property value and the selected insurance company.Some banks such obligation of the borrower are considered and that the monthly sal-ary received by the bank account. Deviation from this obligation can lead to changesin interest rates and more expensive loans.

Regularly settle your obligations under the housing loan, so you do not get in aposition to realize the commercial bank mortgage and thus lose the property youhave placed as collateral for a mortgage loan.

As collateral for housing loans are usually put a mortgage on real property to bepurchased or any other real estate owned. If irregular settle liability may be that a com-mercial bank through a payment of court claims the seizure of immovable propertymortgaged. In this case, the commercial bank is willing to sell real estate and at a lower

price than the market, but suffi cient to cover outstanding obligations on mortgageloans. Ten the loss is just the borrowers who is irregular in paying obligations. o in-sure this situation, it is necessary to regularly meet liabilities and the constant contactand negotiation with the commercial bank in the event of diffi culties in settlement ofobligations. Commercial banks in exceptional cases may offer to renance loans orother advantage, that he would facilitate the repayment of loans when the situationgets diffi cult repayment.

45

Mistake can cost ...

Sourcekamatica.com


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Roma Company

Roma Company -

Komar, .

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he new shopping center Forum,which was opened in Nis, is thework of renowned architectural bureauChapman aylor, in regard to their sec-tion of Milan Chapman aylor Archit-teti. Architects of this bureau are knownto the local public that they have de-signed the Usce shopping center in Bel-grade. On the construction of the build-ing were engaged 1,500 people from 15different construction and architecturalprofessions.

Mayor of Nis, Milos Simonovic,speaking at the opening said that Nis isproud to have got this shopping center.- Nis gets grandiose building in the citycenter in which some fashion brands will

open their rst stores. Of particular im-portance is that newly opened shoppingmall will employ 500 people, but also thatthe City of Nis, will once again prove tobe a reliable partner in the realization ofall investments. One of the results witha new socially responsible investor alsoagreed to grant childrens playgroundthat will soon be placed in the Fortress -Simonovic said.

Milovan Zivkovic, CEO of construc-tion company Capotto Build, in chargeof supervision and construction of the

Forum, in particular pointed to the factthat the entire business area in which wasinvested 25 million EUR was issued de-spite the economic situation in the coun-try.

- Tis, and the arrival of the Germanchain of shoe Deichmann that makesForum to open rst store in Serbia con-sider our greatest achievement - saidZivkovic, adding that as many as 18brands has its premiere in Nis.

Zivkovic said that the house whichhas an area of 17,000 m2 or two footballelds will employ 500 workers.

Authors seal of offi ce, Chapmanaylor Architteti.

Te rst time in Serbia, is a structure

with a facade of laminam plates that arespecic by its structure and appearance,as well as possibilities for the realizationof the thermal skin of the building with

very low coeffi cient of thermal conduc-tivity. Because this object belongs to agroup of objects with extremely low heatinput, which is one of the essential pa-rameters of sustainable development? Onthe facade there are also characteristic el-ements of lighting installed in the chess

schedules, with also light boxes- thosethat change color at different angles.

Tis unique and striking facade of al-most 70 meters, in length 68 meters, canbe observed is the most important po-sition of the central urban core. Micro-climate in the facility provides the latestthermo-technical installations that pro-

vide a comfortable stay and work, bothin the summer to the winter period.

Lighting facility was done with themost known global products, and certaintypes of lamps with their distinctive ge-ometry and high effi ciency was rst usedin the area.

Projects

Shopping center ForumOn building area of 17,000 m2 employs 1,500 people - Project shopping center Forum issigned by the bureau, Chapman Taylor Architteti from Milan

SourceE Kapija


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Trimo inenjering

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Energy

If the investor wants to obtain a building permit, he will haveto submit project documents and feasibility study on build-ing energy effi ciency by which will be passports issued. For that,they will commit by the regulations on energy effi ciency and cer-

tication, which should be adopted.Depending on the total energy needed for cooling, heating,lighting, maintenance of residential buildings during the year,passports will be divided into energy classes. A + for buildingsthat consume the least energy to G classes for those with thesmallest savings, says Jasmina Pavlovic, coordinator of the dra-ing rules in the Ministry of Environment and Spatial Planning.

- All new buildings to obtain a building permit from the rstof June will most likely have to satisfy the class will, which meansthat annually spend no more than 60 kilowatt-hours per squaremeter of space. Tese values for those who are in grade G, wheth-er old or new buildings should not exceed 175 kilowatt-hoursper square meter per year. Greater energy effi ciency will raise the

price of the property market - says Pavlovic.

Although some states have mandated that if the object doesnot have the energy passport can not be in traffi c, the workinggroup has not yet decided whether to entice such a restrictionbecause the State did not intend to stop trade in real estate.

- For all that they have a passport that will not only be evi-dence of the use of energy, but will show what should be doneand how much to invest to improve the energy effi ciency of thebuilding.

So will those who build major, but also those who buy morethan one account be taken of the quality of construction - saidPavlovic.

Will issue authorize by the company whose staff undergoestraining, and the designers are licensed engineers. Te data willbe located at one of the ve pages of certicates that will haveinformation about the owner, contractor, location, building en-

velopes, thermo-technical systems, the heat loss ...Without passports will not be able to obtain building permits

for reconstruction, while it will be necessary and the repair andremodeling that affects more than 25 percent of the building.

Whether and how the introductions of energy certicates goup the building?

- Te costs would not jump when investors give up part of the

not so small salary they now counted in the price of the square.Te proposal is that the insulating materials reduce taxes - saidPavlovic.

Energy rehabilitation of old buildings will be much more com-

plicated. In particular, 25 percent of Belgrades housing stock thatwas built to the seventies of last century when it is applied eventhe minimum requirements for thermal insulation. Tat energyineffi cient use refers to the fact that some buildings use up to 200kilowatt-hours per square meter per year. Rough estimates showthat in Belgrade less than ten percent of the buildings are notwasting energy and could take the title of energy effi cient build-ings. So loans with a grace period are one of the ways to get theconsent of the owners of the energy repaired the old building.

We want to prove that it is cost effective and useful. If the ex-isting buildings repaired in just one class, it will be considered apower restoration. It was given a quarter of the old buildings inEast Germany - highlights Pavlovieva.

Energy saving buildings Vig Plaza

Vig Plaza, in the cherry blossom street, is not the onlysmartbuilding in Belgrade, equipped with a central controlsystem that saves energy and reduces maintenance costs. But it isthe rst business center in the region of highest class that has itsown source of renewable geothermal energy. Ground water heator cool this building, producing 824 megawatts per hour. Tisprovides 75 percent of the energy needed to tenants in one year

Avoiding conventional sources of energy and reduces pollution.Building wraps double facade, oen in business buildings in Eu-rope.

It includes an integrated sun protection and modern air con-

ditioning systems. Te air constantly circulates between layers ofthe facade, so in winter time the sun heats up while in summer,thanks to natural ventilation, lowers the temperature inside thebuilding.

Tis reduces the use of additional sources of warming. Suchfacades isolate the interior of the sound and protect family mem-bers from street noise.

Energy passportimperative for new buildingsSince the first of June for a building permit requirement will be a study on energy consump-

tion for heating, cooling, and lighting. - Without certificate, there is no registration. Owners ofbuildings whose foundations are placed after the first of June will have an energy passport - adocument with the data how much energy the building consumes. Without it, neither one ofthe new buildings, will no longer be able to obtain a use permit, or to be registered

Written byDubravka Muibabi

POLITIKA


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When it is determined what caused the release of radioac-tive material from these nuclear reactors, the attentionof experts will focus on what can be learned from this accidentthat could prevent similar occurrences in the future. o do this,

however, need specic knowledge and experience, both for the de-sign of nuclear reactors and for their extraction and treatment incritical situations

Does the world have enough competent experts in this eld?Te answer is clear - no. Tis applies to all countries, especially onour own, in which the education of nuclear engineering died downalmost about 20 years ago. Te reason for this was a moratoriumon building nuclear power stations, introduced in the 1989th thenhe suddenly dropped the interest of students for admission to theDepartment of Engineering Physics School of Electrical Engineer-ing BU, which has been the driving school for nuclear engineers inthe country. Te experts who came to this department now workin the nuclear industry and teach at leading universities around the

world. Te countrys le them very little. Among these are the rstthree signatories of this text.

Tis raises a question as to whether the problem is nuclearpower is that he ignores. In the area of nuclear power plants havelong existed, and it is certain that new ones will be build. Althoughthe commitment to alternative energy sources generally accepted,the need for energy requires the use of all available sources, espe-cially those that allow the construction of large capacity. Accord-ingly, the European Parliament last November passed a resolutionon the new European energy strategy in the period 2011-2020,which encourage research on nuclear fusion, and insists on usingthe highest safety standards in building nuclear power plants and

nuclear waste management. In the opinion of the signatories ofthese lines, our answer to this question can only be one - to buildnuclear power plants in the future will decide, in accordance withthe then circumstances, but with the re-education in this area mustbegin immediately.

At the University of Belgrade last year began preparing a mod-ern program in the eld of nuclear engineering. It will includenuclear reactors, particle accelerators, nuclear and radiation safetyand security, protection against ionizing radiation, radioactivewaste, the use of accelerators for basic research in materials sci-ence and medicine. Te program will be jointly run Electrical, Me-

chanical echnology and Metallurgy and the Faculty of Physics,Institute of Nuclear Sciences, Vinca Institute of Physics.

In parallel, the universities in Belgrade, Novi Sad and Kragu-jevac, a public company Nuclear Facilities Serbia and the recentMinistry of Mines and Energy, Science and echnology Develop-ment and Education have jointly led a proposed three-year EUEMPUS project for the nancing described a study program

Te project should enable the students of this program providetuition, textbooks, eminent professors from abroad and practice inleading international institutions. Successful introduction of thisprogram will enable Serbia to soon begin to get highly educated

experts in the eld of nuclear and accelerator technology, whichwill signicantly increase its ability to solve complex technologicaland economic problems they face every day.

Prof. Jovan Elazar, BU School of Electrical Engineering,Dr. Nebojsa Neskovic, Institute of Nuclear Sciences, VincaAcademician George ijaki, Institute of Physics, Belgrade,Dr. Elias Plecas, Institute of Nuclear Sciences, Vinca

Our main problem is (lack of) educationIn our neighborhood for sure will be build new nuclear power plants. The catastrophe whichrecently struck Japan, and is still going on, the worlds attention is mostly focused on thedanger that comes from the damaged nuclear power plant, Fukushima. Experts who are inthis regard appearing in our media often introduce more confusion than provide the neces-sary explanations. Both journalists and the public are confused, trying to understand howit is not possible to restrain the threatened nuclear reactors, in a country known for its highprofessionalism and discipline

Actual

66

Written byProf. Jovan Elezar

POLITIKA


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