Aug 1, 2018

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How Do I know if I am Ready to Buy a House?

How Do I know if I am Ready to Buy a House?

Do you want to buy a house, but you are not sure if it is the right decision? How do you know if you are ready to buy a house?

Here are some pointers to think about

Buying a home can be a good step…

  • If you receive a stable income and have always paid your bills when due. Lenders check your capacity to cover the mortgage payment, and your credit score, before approving you for a mortgage.
  • If you have enough money to cover the down payment on the house and closing costs. Make sure you will have at least 10% of the house price for the down payment and around 3% of the total loan for closing costs.
  • If house prices are stable in the neighborhood where you want to purchase. One of the risks of purchasing a house is that the value can drop. If this happens, you may owe more on your mortgage than the current value of the property. A situation which should be avoided if at all possible.
  • If you can pay property taxes, buildings insurance, water, gas, electricity, and other utilities monthly apart from your mortgage payment.
  • If you plan to stay in the same place for a reasonable length of time. The process of buying and selling, and moving, is an expensive one, with many costs. You can ensure that the costs are worth it if you stay in the house for a sufficient time and especially if the house prices in the area increase over time.
  • If you can afford household maintenance and repairs. Being the owner of your own home, you need to pay for all home maintenance and repairs: from a leaky tap to replacement of the roof, if necessary. Create a savings account for unexpected home repair and maintenance expenses.
  • If the possible tax advantages are beneficial to your financial circumstances. It is best to speak to your financial advisor or accountant to ascertain if the tax implications are beneficial.

The bigger picture

There are also the more global aspects of the property market to consider, apart from your own personal financial circumstances. While your decision to buy housing should be based on your immediate and planned future needs, it is always intelligent to be aware of bigger changes in the national housing market which will undoubtedly impact on future house prices and demand.

In 2018, in Ireland, continued strong demand and weak supply imply that there will be upward pressure on house values for the remainder of the year, although this is gradually slowing compared to recent years.

While around 56% of all new-builds* are housing estates or development projects, like the new houses in Meath, the majority of these are family houses, and not apartments.

The long-term trend would seem to suggest that urban apartments will be more in demand in the latter part of the 21st century as family size continues dropping, and the ageing population continues to grow.

 

IMAGE:Designed by Freepik

SOURCE: https://www.daft.ie/report/2018-Q2-houseprice-daftreport.pdf

 

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Jul 23, 2018

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A List of Top Considerations if You are from the UK and would Like to Move to Spain

A List of Top Considerations if You are from the UK and would Like to Move to Spain

Those who have taken the big leap and moved to Spain from the UK certainly haven’t regretted it. In fact, there are more people from the UK who are moving to Spain, and these people are of varied ages as well. Spain has a lot of attractions for Britons, after all, and the weather and climate is just a portion of it. When it comes to culture, natural beauty, food and drink, entertainment, and lifestyle, a move to Spain certainly has its perks. But if you’re considering moving to Spain and are not quite sure of what to expect, here’s a list of top considerations if you are from the UK.

Get to know different places

It pays to know more about the place. And by this, we mean spending time in different places, not just in big cities like Madrid, Barcelona or Seville but also in the smaller towns and enclaves, especially near the mountains or along the coast. This is especially useful if you aren’t really planning to live in a big city but would rather live in a different area, such as the Costa Blanca (one tip: the Costa Blanca is home to some quaint, beautiful, and British expat-friendly towns, such as Moraira, and acquiring the ideal property for sale in Moraira is made much easier by estate agencies such as Watkins Wilson, which is British-owned).

But going back to our topic: get to know different places. What’s more, don’t just stay for two weeks and be done with it. Make your visit a longer one so you can get to know the people and all the aspects particular areas have to offer. Additionally, try visiting during the winter season – experiencing an area during off-peak seasons can give you a more authentic feel for the place.

Think about what property you would like to live in

It would be a good idea to think carefully about what kind of property you would like to live in. Some British expats make the mistake of going for the first property they see without really thinking if that property would suit them. Whilst there may be many big properties at affordable prices, you should carefully consider practical aspects such as heating, upkeep and maintenance, and so on. Make sure the property you purchase is well-built and accessible as well. The good thing is that there are different kinds of properties available, from villas to apartments and bungalows, so you have a lot of options from which to choose – just make sure to choose wisely.

The living costs

One definite attraction for many British individuals when it comes to Spain is the cost of living. The cost of food is much cheaper compared to the UK, although there may be some food items that are a bit more expensive, such as imported cheese.  But generally speaking, food and drink are quite affordable, and dining out in Spain is a lot easier on the budget compared to dining out in the UK.

Some utilities may be more expensive, however, so you have to do your research on that; it may depend on the city or town where you are living. But all in all, you can live reasonably well in Spain at a fraction of what you would spend in the UK.

 

Image attributed to Pixabay.com

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Jul 1, 2018

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Cara Daftar SBobet Is Launched And Get Press Release

Cara Daftar SBobet Is Launched And Get Press Release

Cara Daftar SBobet For Immediate Release

For Further Information

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  2. Phone: +628123369584
  3. Email: raisaalatas@carapendaftaransbobet.org

Cara Daftar Sbobet

Cara Daftar Sbobet 2018

  • 12 January 2018, Singapore (Press Release). This January sees the launch of a brand new stylish and classy casino for players from all around the world. Cara Daftar Sbobet (http://carapendaftaransbobet.org), has opened with a huge $9,999 bonus pack for all new players at casino launch tournament.
  • “We are thrilled with the look and feel of carapendaftaransbobet.org, not to mention the great selection of games on offer, and we want to give our players a chance to see that we combine both style and substance,” host Stephen Raisa Alatas.
  • “With some of the best and newest slots and table games around, we want all our players to have the opportunity to check out the site on their computer, mobile or tablet so they can decide for themselves which they like the best.”
  • It couldn’t be easier for players to get started, and with free money just for depositing there is every reason to check out carapendaftaransbobet.org, the home of stylish gaming entertainment.

For more information on how small businesses can prepare and be ready to defend themselves, visit http://carapendaftaransbobet.org

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Jan 11, 2018

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Indonesia Becomes Host Of Asia Pacific Real Estate Congress

Indonesia Becomes Host Of Asia Pacific Real Estate Congress

belize-real-estate.net –  The General Assembly of the International Real Estate Federation (FIABCI), the French real estate and property industry organization, chose Indonesia as the host of the 2019 FIABCI Asia Pacific Real Estate Congress (APREC) event to take place at ICE BSD Serpong and Bali.

“We will take advantage of APREC 2019 momentum to show the real estate community the world about the achievement and progress of the property industry in the country. It is time for the children’s work of the nation to be known in the global arena, “said Soelaeman Soemawinata, Chairman of the newly appointed Realty Indonesia (REI) as the FIABCI President of Asia Pacific for the period 2018-2019.

By hosting the FIABCI APREC 2019, Soelaeman said, it is expected to introduce Indonesian tourism to encourage efforts to increase foreign tourist visits as well as the impact of other prestigious events such as the Asian Games or Annual Meeting World Bank and IMF which will take place in 2018.

The theme that will be carried on FIABCI APREC 2019 is about housing development for MBR and development of new cities. It is aimed at introducing the Million Housing Development (PSR) program to the world, and the alignment of the national property industry to the needs of low-income residents.

REI will also develop the latest FIABCI WORLD program that is the Cities Prosperity Initiative in which FIABCI WORLD has been working with UN-Habitat to encourage and develop cities in developing countries to have affordable, habitable and eco-friendly dwellings.

“Later, REI will select cities in the country to be included in the FIABCI DUNIA program at the World Urban Forum 2018 which will take place in Kuala Lumpur, Malaysia, in February 2018,” said Rusmin Lawin, Vice Chairman of DPP REI on Foreign Relations.

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Dec 23, 2017

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It Was Important to Find an Apartment So That I Could Leave My Husband

I wanted to be safe and far away with my son. I knew that the only way that could happen would be to move out of the place that I shared with husband so that I could get a place of my own. I’d never lived alone before, and I didn’t know if I would be able to visit enough Norcross GA apartments in time to rent a unit before my husband picked a fight with me again. Time was not on my side, and I wanted to get our son out of the apartment as soon as possible. I don’t have any nearby relatives or friends, so I knew that I needed to do something quickly.

My husband had been very abusive for too many years. I always worried that he would hurt our child, yet I was too weak to leave the situation for a long time. But one day, when my husband took a swing at me and almost hit our son, I knew that the relationship needed to be over. I do not want to bring up a child in a horrible situation.

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