- BILINGUAL srb/eng

25

- 2011.
300

7 K M , B i H F E D E R AC I J A 7 K M ,
C R N A G O R A 4 E U R , H R VATS K A 3 0 H R K ,
EUROPEAN UNION 4 EUR

:

, , ...
: , SEEBBE
:


:

279

 / word of editor

...
.
, ,
, , , ...
, .
90% ,
.
, , , ,
?
, , .
176. Doing Bussiness ,
. ,
279 .
, -
90 , ,
.
, ,
, ,
.
W 65 ,
.
,
.

Here we go again ...

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.
This early spring it will be marked by yet another fair, the most significant construction event in the region. In defiance 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 field is still difficult, 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 official data
shows that Serbia is at the 176th place on Doing Business list, which shows how
quickly you get building permits. This means that the investor has to knock on the
counter and wait twenty permission even 279 days. The new law says otherwise,
that if an investor has all the necessary paperwork for a license will be sufficient 90
days, at least according to Nebojsa Janjic, Assistant Minister for Spatial Planning.
The law, which should be adopted in time of publishing our magazine, gives a
period of five 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.
That something in this country is in process of construction tells us finished
shopping center Forum in Nis and the West 65 in Belgrade, a modern residential and office 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 difficult period in its existence.

/ Publisher:
PLANTEC MEDIA d...
41, 11090 ,
. / tel: 011/ 3056 516
/ fax: 011/ 3056 134
E-mail: oce@plantec.co.rs
www.plantec.co.rs
www.gradjevinar.info
,

/ director-editor


/ marketing director

sanja.j@plantec.co.rs

/marketing assistent

-
/graphic editor
-
/ Lector

:
/translator

/ graphic design studio
GRAFOPLANT
grafika@plantec.rs
gradjevinar@gmail.com
/ Printing
,,Jovi printing centar d.o.o.

CIP -
,
624
:

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

The Builder Magazine Editorial Board

.
Publisher is not responsible
for the veracity and credibility
published ads and promotional texts.

 / ADVETISERS

Strana /Page

Keramika Kanjia Plus d.o.o.

Yu-Kambera d.o.o.
Sauter Serbia d.o.o.
Konstruktor Konsalting d.o.o.
DP Beogradski Sajam
Termodom d.o.o.
szr Granora Novak Markovi
Rolomatik d.o.o.
Terra Srbija d.o.o.
Trox Austria GMBH
Spark Systems d.o.o.
Halar d.o.o.
M.P.A. Petrovi d.o.o.
SSAB Swedish Steel d.o.o.
Instalacija Inenjering d.o.o.
Metal-Cinkara d.o.o.
Kema d.o.o.
Jub d.o.o.
Piramida d.o.o.
Lever Inenjering d.o.o.
Zorka Keramika d.o.o.
Zorka Opeka d.o.o.
Novosadski sajam a.d.
Teknoxgroup Srbija d.o.o.
Weinberg 93 KFT
Layher d.o.o.
Roma Company d.o.o.
Cini aak d.o.o.
Silex d.o.o.
Trimo Inenjering d.o.o.
Proholz Steiermark
Brabo d.o.o.
Instruktor 021 d.o.o.
Knauf Insulation d.o.o.
Metal-Produkt d.o.o.
CEDEF
Atlas Copco a.d.
Microll d.o.o.
Palisada d.o.o.
M-Prol d.o.o.

1
1
1
2; 18
3; 8; 48
10
12
13
14; 61
16
22
22; 51
23
24
27
29; 63
30
32
35
38
39
39
40
41
45
46
46; 62
47
53
54
56
58
59; 70
60
63
68; 74
69
70
77
79

/Content
/ Interview

08

-
- We move limits
/ Actual
- 279
- 279 days to get permit

20

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

26

- -
- Loans - Mistake can cost thousands of euros

42

- ()
- Our main problem is (lack of) education

64

/ Legislation
-
- Building permit is valid for ve years

36

/ Projects
- ""
- Shopping center "Forum" in Nis

49

-
- New hart of New Belgrade

71

/ Energy & Ecology

-
- Energy passport imperative for new buildings

55

/ Meet Serbia
- ,
- Energy passport imperative for new building

75

The electronic edition of the magazine

Graevinar can be downloaded from the site
WWW.GRADJEVINAR.INFO
THE MAGAZINE IS DISTRIBUTED FREE OF CHARGE
TO ALL CONSTRUCTION COMPANIES ON
TERRITORY OF SERBIA AND SERB REPUBLIC

WWW.GRADJEVINAR.INFO


7

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

,
16 , 1996.
- .



.


(UFI) , 1998. .
,
,

SEEBBE
.
,
SEEBBE
Mirjana Jovanovi, head of the
project of the South-East Europe
Belgrade Building Expo

- ,
.
.

SEEBBE.
?
- SEEBBE


.
, ,
,

.
, ,

SEEBBE

 ,
SEEBBE

SEEBBE
, ,
, ?
- 90%
,



,
,
.
, start up .

, ,
. ,
,
SEEBBE
,
.

, , ?
- ,
.
-

1, .
, , , , ,
, , , 5.
SEEBBE
,
, . ?
-


. ,
, .
, .
9

 ,
SEEBBE

,
SEEBBE
?
- ,
, , ,
.


.

11-15. .
,
,


.
SEEBBE
,
.
, , .

10

12. 2011.

13. 2011.
14. 2011.

15. 2011.
16. 2011.

10:00 - 19:00
10:00 - 19:00
10:00 - 19:00
10:00 - 19:00
10:00 - 17:00

500 rsd
900 rsd
350 rsd

www.seebbe.com

Mirjana Jovanovi, head of the project of the

South-East Europe Belgrade Building Expo

Interview

We move limits
Under 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 eight
national exhibitions testify, despite the global economic crisis, of great interest to participate in
the largest construction fair event in this part of Europe
Convesation led

Ivan Sretenovi

ts leadership position, the Belgrade

Fair of Civil Engineering has systematically promoted over the past 16 years,
since in 1996 separated from the Technical 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 importance 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.

ing place for civil engineers in the region,

a platform for the presentation of innovations which are essential to strengthen
competitiveness and productivity, as well
as the opportunity to further educate the
knowledge that they adopted at professional conferences.
In these interactive relationships between exhibitors and professional visitors,
in the dialogue of experts, created the idea
of innovation and therefore it is fair SEEBBE meeting place drivers pulling forward
the entire construction industry.

Mirjana Jovanovic, an economist, project

manager and chief organizer of this influential exhibition event, said in an interview for our magazine, that SEEBBE is no
longer only Belgrade and Serbian character, he is also the largest exhibition event
in the construction of Southeast Europe.

It is known that at the SEEBBE is always looking for more square, how the
global economic crisis, which hit hardest
in Serbia, building industry, influenced by
the replacement of traditional exhibitors?

- 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. The
number of visitors has increased tenfold.
Under the slogan we move limits, Belgrade Fair will this year organize a leading
fair in the construction industry in South
East 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.
This year we also expect a great visit of
experts, that the Fair experience as a meet-

- 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 opportunity to see live exhibits, touch them and
attend their demonstrations, and to compare them with competitors. Presenters
are leaders in the market, but start up
companies also. Leaders are important for
the reputation of one of the event, but it is
important that they participate in order to
define 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.

Tell us more about the organization of this

years fair, in addition to domestic, from
which countries will be other exhibitors?
- The number of registered exhibitors has
gone nine hundred, of which one third
comes from abroad. The partners have
filled all eight halls and almost the entire
gallery hall 1, and the most attractive position in the outdoor exhibition area.
In addition to the traditional national
exhibitions Italy, Greece, Turkey, Croatia,
Slovenia, and this year we have a performance of Hungary and the Czech economy,
but also for the first time, the appearance
of Bavaria in the Hall 5.
SEEBBE building is the central event, a
real opportunity to introduce new products and solutions, but also an opportunity to reward the best. Whats new program brings this years fair?
- Belgrade Fair exhibition encourages innovation award presentation new
vista and Special Recognition that our
award-winning exhibitors use for marketing purposes. There is a growing application in the practice of winning programs, because the time of the cheap and
poor construction passed. An increasing
number of investors that are interested in
how an object to behave in exploitation,
and how energy efficient products and
practices are used.
Educational function of the fair is being implemented through professional
programs, which will be the central
theme SEEBBE this year?
11

Mirjana Jovanovi, project manager

International building fair SEEBBE

- With regard to the energy efficient building itself as an imperative of modern architecture in the world, and this year we will
organize, within the professional program, a set of energy efficiency in buildings. Set prepared with the Agency for Energy Efficiency 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.

12

TERRA

TERRA 55
- 12
. TERRA , 2000. , INDUSTRIE HOLDING,

2009. INDUSTRIE
HOLDING , Terra
.
- , ,
,
, , TERRA Jug .
,
MASSEY FERGUSON,
LINDEN COMANSA,
SENNEBOGEN RUBBLE MASTER.
TERRA Jug
Terra Jug, ,
14

. , , , , , .
,
TERRA Jug,

. , ,

, .

2011. , ,
10% 2010. JCB , 2010. ,
, , , 2011.

Terra Srbija

,

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

.

Terra Srbija d.o.o.

JCB 3CX 4CX
15. TERRA Srbija doo ,
JCB Terra .
JCB ,
Terra Srbija d.o.o.
.
JCB , , .
Terra Srbija
JCB Industrie Holding: (Mark
Telleck), JCB ,
(Richard Myles), JCB
(Herbert Marchula),
Industrie Holding.

15

TROX Austria GmbH

TROX GmbH

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

.

LEED (Leadership in Energy and Environmental Design) .

US-Green
Building Council . LEED
: , , CO2,
, .

NGA, ,

.

LEED
,
.


. ROX USA
,

TROX USA.

,
.
, .
,

,
.


.

,
.
.
TROX Austria GmbH

29
11000
:011 2622 766; 011 2622 543
: 011 2624 150
office@trox.rs
www.trox.rs

17

Konstruktor Distribucija

Claudia Vojki
Ivana Vrzi
Konstruktor Distribucija d.o.o.

Konstruktor distribucija d.o.o. Konstruktor Konsalting ,

Konstruktor Distribucije ,
.
,
Kamaridis S.A. .
Konstruktor Distribucij doo , , , , .


, Konstruktor Distribucij
, . ,
,
,
.
18

-
-
-
-
-
-
-
- -
-
-
-
-
-
-
-
-

Konstruktor Distribucija

Insotherm SFPU

Insotherm WPU

Frigofresh

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

HOP

ZP

Insotherm RPU

-
Konstruktor Konsalting d.o.o.
. . 10,
./: +381 11 256 22 31

E-mail: office@kkonsalting.com
www.kkonsalting.com/distribucija

19

279
176. 183

176. 183 Doing
business .
279 .
,
. . .

, . , , .
,
, . , . ,
.

.
, ,
.
,
50 .


.
, ,
Doing business .
2010. 2011.
. ,
,
90 . , , ,

.
.
20

, ,
, , .
. ,
.

Actual

279 days to get permit

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

y the speed of construction, Serbia is in 176th place

of 183 countries, it is on Doing Business list, of the
World Bank. To reach the permit investors have to knock on
the 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 states
from the immediate environment. And they are not in dispute.
But by the time spent on hold licenses we are at the bottom of
the list. Only in Slovakia and Croatia investors spent several
days in waiting, but so far the largest in our cost of obtaining
permits. 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 countries, say experts. In fact, compensation for construction land is
credited to the cost of obtaining documents.
So therefore there is a large amount, because it is known that
this fee is considered one of the major costs in construction.
It is precisely because of this the Ministry of Environment and Spatial Planning slows with the World Bank. Nebojsa Janjic, Assistant
Minister, said that Ministry constantly tries to explain to the experts of the financial institutions that compensation for land is the
cost of infrastructure and equipment that can not be equated with
the expenditures for obtaining permission only. If this explanation
in the future be respected, Serbia would be located in the top 50
countries by the speed of issuing permits, said Janjic.

It also indicates that the ranking of a country to model the

new plant or warehouse on the outskirts of the capital.
Since the fees for the most expensive land development in
Belgrade, and permit the longest waiting time, hence the bad
position of our country on the list Doing business.
Janjic also notes that the reports for 2010 and 2011. One is
being based on the old law on planning and construction. Under the new law say it for a site, building and occupancy permits, provided the investor to hand over all the paperwork may
take up to 90 days. Location permit in Serbia, he says, is issued
in two weeks, if the area where the building is covered plans and
if the investor has all the necessary documentation. So much
time is needed for a building permit.
It is interesting that in this years report, except Hungary and
Romania, which brought new regulations, shorten time and
reduce costs, and thus occupy a higher position, special attention is paid to Croatia. A World Bank report says Croatia as a
country that has done most to reduce the procedures and costs.
Compared with Serbia in this neighboring state investors are
waiting for more licenses, but the land is cheaper so the cost is
much lower.

Writed by

M. AVAKUMOVI
POLITIKA

21

- SSAB

SSAB . SSAB
,
- , .

,
.
2005.
-
. Hardox, .
,
, , . ,
.
SSAB

True /
Always ahead /
Customer bussines in focus /

24

SSAB

, , , ,
, .

,
.

, , .


,
, .

SSAB

,
, .

.

,

.
,
,

.
,
.
, SSAB
-

(Borlngeu, Lule and Oxelsund)

( Mobile, Alabama and Montpelier, Iowa). SSAB 8700 45 .
:
www.ssab.com
www.hardox.com
www.domex.com
www. hardoxinmybody.com

25

, , ...

,
. , , , , .
, , , ,

.

, .
,
,
,
.

.
, 26

, , ,
.
.
-
,
, ,
, ,
. .
,

- .

, .
- ,
500 .
695 ( ),

,
. ,
0,8
40
-
.


.

, - .
2011,
.
0,4
0,3 . .

0,2 .

.
, ,
.

. .
BLIC

0,4 , .

, 50 .
20.000 .
1, 0,8, 0,6. ,

.

.
, .
, ,
.
,
. , , .
, .
. , , .
.
-
, .
27

Actual

Property taxes
depend on the size, age, location ...
The value of the property on the basis that the property tax bill depends on ve factors, each
of which tax liability can be lifted or lowered for a few thousand. To determine value, taxpayers
will not enter into objects, but based on the tax return to evaluate their age, area, equipment
and location. Score the doors and windows, heating, insulation, proximity to cultural institutions, infrastructure ...

esk telephone revenues are red-hot and one month after

the entry into force of the new property tax. Citizens are
now clear that their tax liability will be significantly larger, but
they do not understand how the municipalities will determine
the value of their property. Will they come to the house of the tax
so 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 values
are just some of the questions.
The real answer is in government revenues to the municipality
where the property is located. Practically, the value of the property depends on the size and age structure, price per square meter, number of points depending on its equipment, and in the end
zone in which the property is located. All this plus depreciation
and tax credits affect the final tax rates.
- The facility is rated the quality of equipment of the apartment, rather than what the house is built, such as carpentry, as
the warming, you have the facade, of which the object is created.
There are three options for flooring. All this is stated in the tax
return, and any changes must be reported no longer than ten days
of its creation - we are told in a tax office on the outskirts of Belgrade. Valuation is done once a year, other than land.
- Practical, high building is equipped with 500 points. It is
divided by 695 (what is the maximum number of points for the
highest quality facilities), so the obtained coefficient multiplied by
the number of squares, price per square meter, and the coefficient
of the zone. From the amount thus obtained is reduced depreciation, which is under the new law of 0.8 percent per year up to 40
percent - said Head of Department in the Local Tax Administration of Nis, Zoran Albijanic.
Amount received from this equation is the tax base is then
multiplied by the tax rate. It under the new law amounts to 0.4
percent if the local assembly of cities and municipalities do not
prescribe differently. The resulting amount is reduced by tax
credits that the new law also reduced. Practically, the right to deduct up to 50 percent exists only if the owner lives in the house
alone. Maximum reduction of the tax credit is 20,000 dinners.
For objects in the center of Nis area ratio is 1, the second zone is
0.8, and 0.6 on the periphery. Practically, for a house in the center
of the square as the annual tax would be just under ten thousand.
This is only if the house is a year old and that the tax credit is high
because the owner lives alone.
Special tax return is for the garage or cottage, and the formula
for calculating value is the same.
28

Kaca Lazarevic, co-owner of the agency, Alka said that committees in the next month and a half yet to determine a price per
square meter and zone. It is believed that the cost of squares affects the average price for a certain part of town, and that a street
could have several zones. Today, for example, in the municipality
Surin every street has several zones. In Vojvodjanska Street that
runs 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, proximity to cultural facilities, including the Airport Nikola Tesla.
Lazarevic said that the main stumbling block will be the possibility to challenge the valuation.
- You can appeal to your property is worth less than estimated,
but for nothing. The law provides for the right to appeal, but so
far no one has won a dispute with the Tax Administration - Lazarevic said.
What exactly will pay taxes in 2011 will be known only when
local governments determine the tax rate. Ministry of Finance
has prescribed a single rate of 0.4 percent for real estate and 0.3
percent 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
The value of business premises will be assessed the tax. Legal
persons will pay tax on the carrying value of assets, which for
most companies is zero, or close to zero.
Writed by

S. Bojadi i B. Janakovi
BLIC

30
Kema d.o.o., Bul.Mihaila Pupina 10v,11070 Novi Beograd, T: 011 301 88 99, F: 011 301 85 85, E: info@rs.kema-on.net

 31

.1
40.

ub d.o.o.

,
, ,

,
50 ,
.
ETA (
), JUBIZOL , .
, ,

, ,
, ,
- JUBIZOL .

: , , JUB

32

,
,
.
, , ,
, .
Jubizol


. Jubizol
, ,


.
JUBIZOL ?
Jubizol ,
,

, :

-
15
-
-

-
-
-
-
-
-
- 40%
-
-
-
-

- : Jub Design Studio
Jub Engeenering
-

JUB doo

, , , JUBIZOL , ,
.
JUBIZOL PREMIUM /COMFORT/ STANDARD/ ,
.
, .
JUBIZOL PREMIUM SISTEM
.
,
.
: ,
, ,
, .
:
: JUBIZOL ;
(JUBIZOL - )
: ; ( , EPS , EPS , EPS )
: JUBIZOL ; (JUBIZOL
- )
: JUBIZOL ; (JUBIZOL
, EPS )
A : 160 g/m2
: UNIGRUND

: NANOXIL G; ( )

JUBIZOL STANDARD SISTEM

40. 40
m JUBIZOL .
, .
:
: EPS ; (JUBIZOL ):
: JUBIZOL EPS
: EPS
: EPS
: 145 g/m2
: UNIGRUND

: ; ( )

33

JUBIZOL

JUBIZOL COMFORT SISTEM

JUBIZOL COMFORT .
, ,
, .
, , , .
:
: EPS EPS ;
(JUBIZOL
: JUBIZOL EPS ; (EPS
, )
: EPS EPS ;
(JUBIZOL )
: EPS ( : JUBIZOL )
: 160 g/m2
: UNIGRUND
: UNIXIL G/Z
UNIXIL .
UNIXIL , , ,
.
UNIXIL 1,5 , 2,0 2,5mm
-
-
-
-
- , UV
-

-
-
-
- ( )
-

JUB d.o.o. imanovci

. 32
22310

34

.: +381 22 409 999; : +381 22 409 995

E-mail: jub@jub.rs

, , .
. ( )

.
, ,
, .

,
.
, , .
,
, .


,
. , (
), .
.

, , ,
- , ,
.
.
.
, ,
.
(
, ,
). ,

.

36

, , , .
.
, - ,
1992.
.

, , .

,
.
-

.

.



, ,
- , ,
.
, .

: , ,
-

Legislation

Building permit is valid for five years

Decades-old problem of unnished buildings, which are largely making cities uglier, the future
will be resolved by introducing new rules by duration of construction permits. Investors will
have to build facilities and to obtain occupancy permit in maximum ve years of receiving the
permit. If they fail, they will have to pay the compensation (on account of Tax Administration) in
the amount of property taxes as if the object is completed

his is one of the novelties in the amended Law on planning and construction.
To reduce waiting time for the start of construction, investors
will be requested for the issuance of building permits, by free
choice, to submit preliminary or final design.
When the building permit is issued based on preliminary
design, the builder is obliged, before the application papers do
a major project. With the application will only attach a report
on technical control, rather than three copies of the project,
as now.
This is a legislator out to meet investors, and the focus shifted
responsibility to the profession, that is, to some extent increased
the responsibility of designers.
Since the municipal administration had used to five times the
investors are asked to submit the missing documentation, the future will be entitled to only one request. While the public enterprises as the main brakes on licensing (because of their signature
waited several months to years), the future will have a month
available for approval. If they do not follow them, they will suffer
the sanctions for the economic offense and violation.
As for the conversion rights to use that land ownership rights
in a fee paid by owners of companies acquired through privatization or liquidation, Aleksandra Damnjanovi-Brown, Assistant
Minister, said that there are no news.
- Everything remains as before the law changed. And the decree that was to follow for a month after the adoption of amendments will more accurately define the conversion - she said.
The new law expanded the text, however, the list of those who
can convert the right to use free of charge. This primarily refers to
the holders of rights of use on undeveloped building land (other
than the companies from privatization, bankruptcy, public companies and sports associations). This category includes for example 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 no
longer 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 specified when and who must pay the re
appropriation of agricultural land to building land. Undoubtedly,
emphasized Aleksandra Damnjanovi-Brown, that all that the
changes 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 local

authorities, dispose of development land. That basically means
that the state through the Republic Directorate for Property of
power to dispose or leased plot, which till now was not the case.
And as an introduction to public-private partnerships facilitated by the shortened procedure when a natural or legal person
with their money equipped construction. The most important
innovation in the field of urban planning is a shortened procedure for adoption of planning documents and procedures for
amending existing plans.
For painting no permit is required
On the objection of the Anti-Corruption to the municipalities
is given the discretion to determine what is current and what is
investment holding, Aleksandra Damnjanovic-Brown, Assistant
Minister, said that it is through changes in the law clearly demarcated.
- We explicitly specify what is one thing and nothing else. Increased the number of objects that do not obtain the location
and building permits and specifies that objects do not need any
act of the competent authority for routine maintenance such as
painting, replacement of tiles, sanitary ware, etc. - says Aleksandra Petrovic Damnjanovic.
Written by

M. Avakumovi
POLITIKA

37

.
, .
,

kamatica.com



:

,


.
, .


.
50-60 ,
.


.

,
, ,
, , ,

42

,
.
,

.

(EK)

.
(
)

.
, , ,

.

. -,
.


, ,

 ...

, ,
. ,

,

5


,
.

,
.

.
,
.
, .
,



.

,
. ,
,

.


, ,
, ,
.

( 3 )
. ,
100 . ,
,
.


.
.
,

.


.
,
.

.
,
.
,

.

kamatica.com

43

Mortgage Loan

Mistake can cost thousands of euros

Buying 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 by
commercial banks. Just a small mistake in choosing the right mortgage loan can cost you
thousands of euros in the years of repayment, and it is necessary to carefully choose and to
act responsibly during the loan repayment

Kamatica.com portal gives you the

basic recommendations on how to select
the best mortgage loan and the conditions
that give particular attention during the
procedure for selection and implementation of housing loans:
Determine your credit rating
To be able to apply for a mortgage loan,
it is essential that a borrowers creditworthiness have the appropriate monthly payment obligations under the loan. If you
are applying for a loan with a co-debtor,
the same rule applies to him. Your credit
rating can be determined by apply for a
Credit Bureau report through commercial
banks or directly to the headquarters of
the Credit Bureau. Permitted indebtedness on the mortgage loans is currently
limited to 50-60 percent of the monthly
salary of the borrower and the co-debtor,
but it is recommended that you should
never borrow to the maximum limit.
Gather information about the conditions of housing loans in as many commercial banks.
Only in this way you will be able to
evaluate which offer is the cheapest for
you. Offers of commercial banks is characterized not only by the interest rate on
a mortgage loan, but in the time required
for approval, necessary documents, the
maximum allowable indebtedness of the
borrower, associated costs, the amount of
down payment, maturity, currency indexation and many other conditions.
As many bids you collect, you will have
greater choice and more likely to choose
the best credit.
44

Compare the effective interest rate

(EIR) offers commercial banks
The effective interest rates on housing
loans are the most complete indicator of
cost of credit. It is very important that
from commercial banks you obtain precise information on the amount of the effective interest rate (not just the range in
which will move the effective interest rate)
and compare with the same information
you get from other banks. Although not
shown some of the terms of loans, such as
speed of processing, the cost of obtaining
documentation and the like, the effective
interest rate is the best measure of price
of a loan and must be taken as one of the
crucial criteria for the decision on how to
apply for credit with certain commercial
banks.
It is very important to bear in mind that
the effective interest rate loans indexed in

different currencies are not comparable

and should not be considered.
Decision on the index currency, credit
must be made independently of the EIR,
taking into account the expected movement of the currency rate in the future.
Pay attention to the high costs that
you expect the credit approval
Loan approval procedure entails a
number of expenses that you pay a commercial bank, the relevant institutions for
verification and issuance of documents,
insurance companies, appraisers and other
entities involved in this process. In addition, in granting housing loans pay and
participation, this is defined to offer a commercial bank. It is advisable to count on
about 5 percent of the loan costs you are
obliged to pay before the payment of loans,
what else should be added to a defined percentage of participation in mortgage loans.

Mistake can cost ...

Find out about the conditions under which it may be a change in interest rates
Since this is a long-term loan, banks often put in the contracts clause of the variability of interest rates. This change has to be conditioned and come to it only if the circumstances of the agreement with the client. The formula of interest rates on housing
loans usually include the international interest rate - Euribor and Libor, which aligns
with the interest rate on a mortgage loan. Commercial banks are in the agreement
states how often to synchronize, so you define the intervals and frequency of change
in interest rates on housing loans.
Thoroughly inspect the duration of the procedure for granting housing loans in
any commercial bank, so you can plan a time where you realize the Property Purchase Agreement
Homebuyers are often located in an unenviable position in which one side has a
certain date to conclude the Agreement on the sale of the property with the seller and
the other to provide money from commercial banks that will finance the purchase of
real estate. It is therefore necessary to inquire how long approval procedures of housing loans in a particular commercial bank, in order to notify the seller when you can
expect your payment. Often happens that because of this discrepancy property is sold
to another buyer, and the borrowers to remain in the middle of the loan approval procedure, with prior expenses to cover the associated costs of housing loans.
Keep track of your obligations during the repayment period
Unless you are obliged to regularly repay your housing loan by equal monthly installments, the contract with the bank define and other obligations, such as regular
evaluation of real estate, insurance, real estate, income earnings over the bank you lend
and the like. Less well known is that the beneficiaries of housing loans that required in
a given period (usually 3 years) obtain a new appraisal of the property. This assessment
is certified appraisers, who for his services usually charge a fee of 100 euros.
Also, the borrower must provide a regular property of extraordinary events, and
the 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 salary received by the bank account. Deviation from this obligation can lead to changes
in interest rates and more expensive loans.
Regularly settle your obligations under the housing loan, so you do not get in a
position to realize the commercial bank mortgage and thus lose the property you
have placed as collateral for a mortgage loan.
As collateral for housing loans are usually put a mortgage on real property to be
purchased or any other real estate owned. If irregular settle liability may be that a commercial bank through a payment of court claims the seizure of immovable property
mortgaged. In this case, the commercial bank is willing to sell real estate and at a lower
price than the market, but sufficient to cover outstanding obligations on mortgage
loans. Then the loss is just the borrowers who is irregular in paying obligations. To insure this situation, it is necessary to regularly meet liabilities and the constant contact
and negotiation with the commercial bank in the event of difficulties in settlement of
obligations. Commercial banks in exceptional cases may offer to refinance loans or
other advantage, that he would facilitate the repayment of loans when the situation
gets difficult repayment.

Source

kamatica.com

45

Roma Company

Roma Company
Komar,
.

,

.
made in Germany
, Komar

...

www.roma.rs .

46

17.000 m2 1.500 -
Chapman Taylor Architteti

,
,

Chapman Taylor,
- Chapman Taylor
Architteti

.
1.500 15
.
, ,
.
-

.
500 ,
.


-
.
, Capotto
Build ,
,
25 EUR
.

- , Deichmann

18
.
17.000 m2
, 500
.
Chapman
Taylor Architteti .


,
.

.

light box- .
70 68 ,

.
,

,


.

49

Projects

Shopping center Forum

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

he new shopping center Forum,

which was opened in Nis, is the
work of renowned architectural bureau
Chapman Taylor, in regard to their section of Milan Chapman Taylor Architteti. Architects of this bureau are known
to the local public that they have designed the Usce shopping center in Belgrade. On the construction of the building were engaged 1,500 people from 15
different construction and architectural
professions.
Mayor of Nis, Milos Simonovic,
speaking at the opening said that Nis is
proud to have got this shopping center.
- Nis gets grandiose building in the city
center in which some fashion brands will
open their first stores. Of particular importance is that newly opened shopping
mall will employ 500 people, but also that
the City of Nis, will once again prove to
be a reliable partner in the realization of
all investments. One of the results with
a new socially responsible investor also
agreed to grant childrens playground
that will soon be placed in the Fortress Simonovic said.
Milovan Zivkovic, CEO of construction company Capotto Build, in charge
of supervision and construction of the
Forum, in particular pointed to the fact
that the entire business area in which was
invested 25 million EUR was issued despite the economic situation in the country.
- This, and the arrival of the German
chain of shoe Deichmann that makes
Forum to open first store in Serbia consider our greatest achievement - said
Zivkovic, adding that as many as 18
brands has its premiere in Nis.

50

Zivkovic said that the house which

has an area of 17,000 m2 or two football
fields will employ 500 workers.
Authors seal of office, Chapman
Taylor Architteti.
The first time in Serbia, is a structure
with a facade of laminam plates that are
specific by its structure and appearance,
as well as possibilities for the realization
of the thermal skin of the building with
very low coefficient of thermal conductivity. Because this object belongs to a
group of objects with extremely low heat
input, which is one of the essential parameters of sustainable development? On
the facade there are also characteristic elements of lighting installed in the chess

schedules, with also light boxes- those

that change color at different angles.
This unique and striking facade of almost 70 meters, in length 68 meters, can
be observed is the most important position of the central urban core. Microclimate in the facility provides the latest
thermo-technical installations that provide a comfortable stay and work, both
in the summer to the winter period.
Lighting facility was done with the
most known global products, and certain
types of lamps with their distinctive geometry and high efficiency was first used
in the area.
Source

E Kapija

Trimo inenjering

Trimo Urban Crash

, , 25.
Trimo
Urban Crash
.
www.trimo-urbancrash.com
, .
, .
, ,
.
,
.
,

.
,
, ,
.

,
. , , ,
,
.

54

, ,
, ,

.
,
,
.
, :
, .
,
,
.
,
:
,
. , ,
.

- www.trimourbancrash.com.
,
,

.

. ,
, .
Trimo Urban
Crash
je

Trimo Urban Crash,

.
15. 2010.
31. 2011. 56
, 363
.
75 .

- www.trimo-urbancrash.com. , :
, valentina.
miladinovic@trimo.rs, 064/885-28-25.

, , . .
.
,

.
.
, , ,
. +
,
,
.

60 - . ,
, 175 -
. .
,
.
,
.
, .
, . , , , ,
,

,
25 .

55

?

.
.
. 25

.
200 -
.
, .

.
.
, . .

56

, ,
, .
.
, , 824 . 75 . .
,
.
.
, ,
, , . .
.

Energy

Energy passport
imperative for new buildings
Since the rst of June for a building permit requirement will be a study on energy consumption for heating, cooling, and lighting. - Without certicate, there is no registration. Owners of
buildings whose foundations are placed after the rst of June will have an energy passport - a
document with the data how much energy the building consumes. Without it, neither one of
the new buildings, will no longer be able to obtain a use permit, or to be registered

f the investor wants to obtain a building permit, he will have

to submit project documents and feasibility study on building energy efficiency by which will be passports issued. For that,
they will commit by the regulations on energy efficiency and certification, 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 buildings
that consume the least energy to G classes for those with the
smallest savings, says Jasmina Pavlovic, coordinator of the drafting rules in the Ministry of Environment and Spatial Planning.
- All new buildings to obtain a building permit from the first
of June will most likely have to satisfy the class will, which means
that annually spend no more than 60 kilowatt-hours per square
meter of space. These values for those who are in grade G, whether old or new buildings should not exceed 175 kilowatt-hours
per square meter per year. Greater energy efficiency will raise the
price of the property market - says Pavlovic.
Although some states have mandated that if the object does
not have the energy passport can not be in traffic, the working
group has not yet decided whether to entice such a restriction
because the State did not intend to stop trade in real estate.
- For all that they have a passport that will not only be evidence of the use of energy, but will show what should be done
and how much to invest to improve the energy efficiency of the
building.
So will those who build major, but also those who buy more
than one account be taken of the quality of construction - said
Pavlovic.
Will issue authorize by the company whose staff undergoes
training, and the designers are licensed engineers. The data will
be located at one of the five pages of certificates that will have
information about the owner, contractor, location, building envelopes, 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 and
remodeling that affects more than 25 percent of the building.
Whether and how the introductions of energy certificates go
up the building?
- The costs would not jump when investors give up part of the

not so small salary they now counted in the price of the square.
The proposal is that the insulating materials reduce taxes - said
Pavlovic.
Energy rehabilitation of old buildings will be much more complicated. In particular, 25 percent of Belgrades housing stock that
was built to the seventies of last century when it is applied even
the minimum requirements for thermal insulation. That energy
inefficient use refers to the fact that some buildings use up to 200
kilowatt-hours per square meter per year. Rough estimates show
that in Belgrade less than ten percent of the buildings are not
wasting energy and could take the title of energy efficient buildings. Soft loans with a grace period are one of the ways to get the
consent of the owners of the energy repaired the old building.
We want to prove that it is cost effective and useful. If the existing buildings repaired in just one class, it will be considered a
power restoration. It was given a quarter of the old buildings in
East Germany - highlights Pavlovieva.
Energy saving buildings Vig Plaza
Vig Plaza, in the cherry blossom street, is not the only
smartbuilding in Belgrade, equipped with a central control
system that saves energy and reduces maintenance costs. But it is
the first business center in the region of highest class that has its
own source of renewable geothermal energy. Ground water heat
or cool this building, producing 824 megawatts per hour. This
provides 75 percent of the energy needed to tenants in one year
Avoiding conventional sources of energy and reduces pollution.
Building wraps double facade, often in business buildings in Europe.
It includes an integrated sun protection and modern air conditioning systems. The air constantly circulates between layers of
the facade, so in winter time the sun heats up while in summer,
thanks to natural ventilation, lowers the temperature inside the
building.
This reduces the use of additional sources of warming. Such
facades isolate the interior of the sound and protect family members from street noise.
Written by

Dubravka Muibabi
POLITIKA

57

KNAUF INSULATION

? , ?
. ? ,
. .
40% .


. ,


,
.
!

.

60

8cm .
, .

(U)
, . .
U 19:
-

,

.

, ,

.

.

,

. CO2
( 28%, 32%), 40% CO2
.
.

61

Metal Cinkara
90
!
,
100
.
-
.
IPPC (Integrated Pollution Prevention and Control), BAT (Best Available
Tecnhiques). , .
-
,
. , .

.
.

, ,
: , ,
, e e.

63

()
.
, , .

. ,
,

,


. , ,
,
.
?
.
, ,

20 . , 1989.
,

.

64

.
. .

?
.
, ,
.
,

20112020. ,
,
.
, ,

,
.

. ,
, ,
, ,
, .
, , - ,
,, .

,
, ,


,
- .
, , .




,

.
. , ,
, ,,,
,
, ,
,
,,

65

Actual

Our main problem is (lack of) education

In our neighborhood for sure will be build new nuclear power plants. The catastrophe which
recently struck Japan, and is still going on, the worlds attention is mostly focused on the
danger that comes from the damaged nuclear power plant, Fukushima. Experts who are in
this regard appearing in our media often introduce more confusion than provide the necessary explanations. Both journalists and the public are confused, trying to understand how
it is not possible to restrain the threatened nuclear reactors, in a country known for its high
professionalism and discipline

hen it is determined what caused the release of radioactive material from these nuclear reactors, the attention
of experts will focus on what can be learned from this accident
that could prevent similar occurrences in the future. To do this,
however, need specific knowledge and experience, both for the design of nuclear reactors and for their extraction and treatment in
critical situations
Does the world have enough competent experts in this field?
The answer is clear - no. This applies to all countries, especially on
our own, in which the education of nuclear engineering died down
almost about 20 years ago. The reason for this was a moratorium
on building nuclear power stations, introduced in the 1989th then
he suddenly dropped the interest of students for admission to the
Department of Engineering Physics School of Electrical Engineering BU, which has been the driving school for nuclear engineers in
the country. The experts who came to this department now work
in the nuclear industry and teach at leading universities around the
world. The countrys left them very little. Among these are the first
three signatories of this text.
This raises a question as to whether the problem is nuclear
power is that he ignores. In the area of nuclear power plants have
long existed, and it is certain that new ones will be build. Although
the commitment to alternative energy sources generally accepted,
the need for energy requires the use of all available sources, especially those that allow the construction of large capacity. Accordingly, the European Parliament last November passed a resolution
on the new European energy strategy in the period 2011-2020,
which encourage research on nuclear fusion, and insists on using
the highest safety standards in building nuclear power plants and
nuclear waste management. In the opinion of the signatories of
these lines, our answer to this question can only be one - to build
nuclear power plants in the future will decide, in accordance with
the then circumstances, but with the re-education in this area must
begin immediately.
At the University of Belgrade last year began preparing a modern program in the field of nuclear engineering. It will include
nuclear reactors, particle accelerators, nuclear and radiation safety
and security, protection against ionizing radiation, radioactive
waste, the use of accelerators for basic research in materials science and medicine. The program will be jointly run Electrical, Me-

66

chanical Technology and Metallurgy and the Faculty of Physics,

Institute of Nuclear Sciences, Vinca Institute of Physics.
In parallel, the universities in Belgrade, Novi Sad and Kragujevac, a public company Nuclear Facilities Serbia and the recent
Ministry of Mines and Energy, Science and Technology Development and Education have jointly filed a proposed three-year EU
TEMPUS project for the financing described a study program
The project should enable the students of this program provide
tuition, textbooks, eminent professors from abroad and practice in
leading international institutions. Successful introduction of this
program will enable Serbia to soon begin to get highly educated
experts in the field of nuclear and accelerator technology, which
will significantly increase its ability to solve complex technological
and economic problems they face every day.
Prof. Jovan Elazar, BU School of Electrical Engineering,
Dr. Nebojsa Neskovic, Institute of Nuclear Sciences, Vinca
Academician George ijaki, Institute of Physics, Belgrade,
Dr. Elias Plecas, Institute of Nuclear Sciences, Vinca
Written by

Prof. Jovan Elezar

POLITIKA

70

- West 65
, .

-
.
,
,
.
West 65
11 500 , , , ,

. , ,

, - 100

.

,
. : , ,
, , , , ,

, w ,
.
,
, , , ,
.

71

West 65 -
, ,
,
, .
,
, 30 , .
,

.
,
,

- 95 .
, ,
.

,
.
-
,
, -

,
.


.

,

,
.

LED 4200 K,

.
, ,

.

, , .

72

West 65

,

.
West 65 Fletcher
Priest PSP Farman Holding
: Waterpark place , Rio
Tinto ,
Vodafon- .
, , ,
.

, PSP Farman Holding,

65 , 11. .
1850
- ( 100 ), 1890 -
1970 - 15 , .
,
,

.
, 36 288 .
,
.

,

.

West 65
W 65
PSP-Farman Holding
, , .
PSP-Farman
Holding ,
, , , .


, , ,
, -

Ego tatque consuli catus, iam test rem

pliae ac te tissis, quam manum fortus,
quit ompotia inve, curo, que te ferferi
tem adducta nonloc, C. Ex nosterebatio
more tamque mod isquit, P. Mo in
senteri inte nons conorio iptelic ibemque
musquid iemorus, cre pubis hebefaudam
porevirita ala nes? quo viu etis, nerri
porte am di tam pecomnerum horatum
ina, cerum fauce nostrem usatis in stem
orument intemne di efectum diese cone
ina, mus contes aut ve, C. Ant, etius, det;
huid diem st is, que tem prae dero usci
senatum aus octoredem istatiurs vente
ac tantereorei condam di, Pat Catebat
erferudentis ommo vis hum et omnem
mortemu rbistra norus conscre mnesta
cularbisum. Ilin tam nonferdii pliciis.
Seror habuncla vit in tum fit, Catum ego
tamdient.
Nonesens crediem denduci onuntilia
diis; hicidel latra, ex simoltu et; C. Catu
ervidea moltius sulvigit, Palabit vivem que
contebus horis, ocus ac maximo tere,

West 65
E-mail: info@west65.rs
Web: www.west65.rs

73

,
,

582
. 45-
, 20- .
111,00 .
50,
35, 30 20 . - -21 -,
-70 ,
.

, . ,
..

,

. ,

( ).
( III
) , ,

. 1526.
.

.

1566/7. .

1718.,
. 1744.
,
, . , , . ,
1746., . , . ,
, . 1749. ,
. ,
, . , .
,

75


. , ,
.
, ,

, , , ,
, , ,
...
.

32.000 , 60.006
, 16
. , : ,
, , , , , , .
.
, .

76

,
. , .

, ,

. , ,
, ,
- , .

. .
- . . ,
,
, .
, 24. .