mr. peter detong from town & country real estate 理为德地产would like to suggest all property seeker to have their finance a formal pre-approval. savvy borrowers will want to make sure that the pre-approval is a true indication of what they can purchase. fundas carcasa iphone 6 mr. detong explains that some will provide pre-approval within a 48 hour turnaround, while others can take longer. snoopy carcasa iphone 8 you will need to be ready in advance, especially if there is an enticing auction coming up. iphone 8 plus carcasa flores “borrowers can slow down the process if they don’t have all of their paperwork in order, which means the lender will go back and fourth with the applicant to complete the application,” he explains. carcasa iphone 6 tous what paperwork you need? pretend you’re going for the final mortgage discussion, and replicate the paperwork you will need at that point. the more you can provide, the less back-and-forth there will be and the more comprehensive and accurate your pre-approval will be. what you need to bring:

  • copies of your bank statements
  • savings history for the past three to six months (minimum)
  • 100 points of id
  • any proof of assets (eg council rates for any property you own)
  • employment verification and payslips
  • tax returns (particularly if self-employed)
  • other proof of income (such as rental income proof through a lease document)

with these details, and some general information around whether you’re buying new or looking to build, the lender will then look to verify the information. carcasa samsung galaxi s4 they will undertake a credit check and they’ll also look to ensure there’s nothing that could change your situation, such as reduced hours. how useful is pre-approval? it can be a powerful tool to have, and if you have time it’s worth getting pre-approval done, however you still would not necessarily want to enter into an unconditional contract. carcasa samsung s6 espejo a valuation on the property you are looking at, as well as the final say-so in regards to achieving finance will likely both be needed. carcasa iphone 6 mar this can mean that, despite having the pre-approval, you may still not be able to purchase the property. pre-approval can also help bring up any problems you hadn’t prepared for. perhaps you can’t borrow as much as you had been hoping due to a bad mark on your credit file you hadn’t prepared for.

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concerns that one state government may change stamp duty legislation in the upcoming budget have sparked warnings from the industry. according to real estate institute of western australia (reiwa) president david airey, pressure on the state government to cut costs and raise revenue may cause increased stamp duty costs and the removal of stamp duty exemptions for first home buyers. “the property market in wa is only just stabilising after several volatile years, while current reiwa data indicates a market downturn for the second half of this year. “it’s critical that current policy settings remain in place and property taxes are not increased, distorting a fragile market,” mr Airey said. mr airey labelled the stamp duty exemption, introduced in 2007, as “extraordinarily successful” for keeping the property market afloat. “cost of living and housing affordability is much tougher in wa than it is in other states, but removing the stamp duty impost from first home buyers saves most of them around $14,000 and helps them get into a home of their own. funda galaxy s7 edge carcasa “in combination with low interest rates first home buyers have flourished in wa, but the signs are that this is now trending downwards and it would be devastating if they soon get hit with stamp duty,” mr airey said. speaking with town & country real estate理为德地产, director mr. carcasa acuatica iphone 6s peter detong童工said that even the top end of the market will be hit hard if first home buyer exemptions are removed. carcasa iphone x dise o “stamp duty is the number one deterrent to real estate transactions,” mr. carcasa samsung j7 2016 unicornios detong童 said. carcasas iphone 5 marmol “we transact over million in property each year, but we still talk to clients who would prefer to renovate rather than relocate because of the costs of stamp duty.” while he believes raising stamp duty would be an unlikely event, other states have removed or reduced the aid given to first home buyers. “it’s a very real threat to the market if the exemption is removed, even at the $1 million-plus end of the market,” mr detong童said. “it’s like a ripple effect.

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you may have heard about the heartbleed vulnerability, carcasa marmol iphone 7 which has affected websites on a global scale. carcasa sumergible iphone 7 plus while there has been no evidence of breaches in security at town & country real estate 理为德地产website, carcasa iphone 6 turquesa we are taking the opportunity to remind you of the importance of protecting your security online. iphone x carcasa militar as a general security measure,

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for those selling their homes – remember that buyers will see the front of your property first. carcasas samsung a5 2015 Standing out in your street – preparing your home for sale

guest observation buyers will naturally see the front of your home first. impressions are quickly formed and many potential buyers will make up their mind before even setting foot inside your house. carcasas de iphone 5 look at your property from the footpath or across the street. ask yourself whether your home seems inviting. Be honest and consider: • are there any problems that can be easily and cheaply fixed? • is there any chipped paint? • would planting flowers or shrubs improve the garden? • is the garden tidy? do i need to mow the law, clear the doorstep or weed the garden? lets go and think like a buyer selling a home is an emotional process, particularly for people who have been forced to sell. however, it is still possible for you to let go of your home emotionally. imagine handing over the keys to the new owner. allow potential buyers to picture themselves living in the house by: • removing your personal photographs • allowing them to park in your driveway clear the clutter you’re not just selling your home – you’re selling the image of a comfortable lifestyle so you want your house to look as clean and clear as possible. often we get so used to our own clutter that we can’t even recognise that it needs to be moved. carcasa samsung s8 plus escudo real madrid ask a friend or family member who does not live at the house to help identify unnecessary clutter.

be sure to: • clear benches • remove excess books from bookcases. • place everyday items in a box so when the potential buyers visit, you can quickly put the box in a cupboard. carcasas iphone 7 supreme • ensure the entrance and walkways are clear • throw out broken and damaged items • dispose of unnecessary paperwork • store bulky furniture and sporting equipment offsite make your home look new make minor repairs and clean your house. carcasa originala samsung a5 2017 you’ll be surprised how much these improvements will lift your home. • patch any holes in the walls • replace cracked flooring and old light bulbs. • shine the floors • replace your bathroom towels and soap • wash your windows and doors clean your cupboards rearrange the inside of your cupboards. buyers are often interested to know how you use the cupboard space and will look inside. if everything is tidy, they will trust that you look after the house. you also want to communicate that the house has enough storage space that they can live comfortably – so make sure that your cupboards are not filled to the brim.renovate wisely home improvements can be very expensive. focus on value-for-money improvements which will generate a higher selling price. while major renovations may make your home more saleable, you may not recover the costs when you sell. remember you want to maximise your profit! cosmetic improvements such as touching up paintwork or planting flowers in your front yard are usually good value for money. carcasa iphone 7 plus 360 grados when choosing paint colours, try to be objective. you may love your bright orange kitchen but there’s a fair chance that most buyers won’t. consider painting your walls in neutral colours in a matt finish.

impress the senses for many, buying a home is an emotional choice. for that reason, a home that feels comfortable is likely to sell for more. consider: • putting out vases of fresh flowers • heating the house in winter • leaving several windows open in the summer • ensuring that your house has a pleasant aroma • leaving lights on in dark areas • opening curtains and blinds • however much you love your dog, potential owners may not. keep pets outside or away from your home during inspections. when you feel that your property is ready, walk around your home and ask yourself if it feels welcoming.

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the confidence report – 7 habits of a highly effective market

the latest report reveals 7 reasons vendors should be confident in 2014. everyone knows it’s a buoyant market; here are the reasons why. if confidence had a cash value, consider the current market, here in the first quarter of 2014. overall, buyer confidence is up nearly 10%. we crunch some numbers and explore why spirits are so high. # 1. it’s an active market buyers are more active now than they have been in a while – bidding, sometimes failing. There are fewer tire kickers. People are actively throwing their hats in the ring, rather than just testing the waters. there are more disenchanted buyers as well; people who have bid repeatedly at auctions and failed. # 2. samsung s6 carcasa qissy predictions of a market rise are on the upswing we all know that confidence is contagious and there’s plenty of it going around. Across the board, both buyers and sellers believe property values will continue to rise. While that’s impressive, shown against last year’s numbers it’s actually astounding: this is a major increase to 51% overall, up +34%. Yes, thirty-four! If that were depicted in a line graph, it’d look like one side of a little mountain of consumer confidence. amongst those respondents, 37% were simply brimming with optimism, believing values would rise between 5% and 10%, up +12% from last year. carcasa iphone 6s mar # 3. contributing factors are favourable reasons behind the perceived lift in market values were varied, but 53% indicated the key reason behind the value rise was due to investors returning to the market, an increase of +14%. Other positive respondents credited their confidence to interest rate changes at 52%, up +15%. lastly, 42% of respondents cited the shortage of properties on the market, up +10%. # 4. carcasa iphone 6s nba vendors are selling in higher price brackets no doubt you’ve noticed, but vendors are asking for more than they did 12 months ago. carcasa iphone 6 tech21 and you might say the million club is growing. carcasa fcb iphone 6s vendors are placing properties in higher price brackets to the point where 16% of sellers are now operating within a $1 million+ bracket, which, in the last 12 months has risen by a massive +7%, nearly double the previous single-digit 9%. On the other side of the coin, around half respondents were selling or had sold properties valued less than $500,000 (down -7 and -8% respectively). # 5. buyers are willing to pay we’ve said it before; buyer spending has increased. in fact, the number of buyers considering moving up to a higher price bracket between $500,000 and $1.5 million rose 9% within the last 12 months to a very healthy 39%. carcasa samsung galaxy s3 # 6. offers are higher of those buyers who placed an offer, 41% had bid more than the asking price, and of those who had placed a bid, 52% had bid more than the reserve price, both up +18% and +16% respectively. carcasas iphone 6 anti golpes it’s definitely a poor time for picking up a bargain, but for the vendor there couldn’t be better news. # 7. online enquiring are up if anyone ever doubted online listings, doubt no longer. a whopping 76% of sellers cited on line as generating the most enquiries (up +2%).

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agent and vendor: it’s a special relationship, and goodness knows, when it comes to agents it’s a competitive market. so it’s understandable that whenever anyone sells a home at a great price, a common question is often “how did you find your agent?” we reveal what makes vendors and agents ‘click’ and how sellers found the agent of their dreams. based on the latest study, we reveal exactly what a vendor looks for in an agent, how long they spend looking, and what factors influence their decision. agent and vendor: it’s a special relationship, and goodness knows, when it comes to agents it’s a competitive market. so it’s understandable that whenever anyone sells a home at a great price, a common question is often “how did you find your agent?” we reveal what makes vendors and agents ‘click’ and how sellers found the agent of their dreams. carcasa iphone 6s anime revelation 1: the way to a vendor’s heart is customer service professionalism sits right where it should, at the number one spot, accounting for 44% of respondents choosing an agent. if you’re an agent out to win some hearts, superb customer service and a professional approach is the chief consideration. revelation 2: vendor’s don’t need a know-it-all it might be saturation of information through smartphones, but expecting an agent to have excellent local market knowledge has dropped from 51% to 41% as a factor in choosing an agent. However, your list of schools and transportation will still be valuable. carcasa iphone 6s plus agua revelation 3: previous experience matters less than it used to a hefty 39% of respondents said they selected a specific agency because they had worked with them previously. carcasa transparente samsung s9 plus while seeming sizeable, this number was a significant drop from 48% the year before – therefore every new contact is valuable to generate new listings and referrals. revelation 4: an impressive marketing plan helps here the rule is, ‘if you’ve got it, flaunt it’. 27% of sellers cited an agent’s marketing plan as a means of including – or excluding – the agent on their shortlist. carcasa head case samsung j5 2016 revelation 5: reputation is key and there’s no better way this can spread than via word-of-mouth. just under a quarter of vendors first heard about their agent through friends, family or other contacts. revelation 6: ofi(s) are still effective places to meet the right agent 15% of vendors reported meeting agents of choice organically at inspections. call it serendipity, if you will. revelation 7: it takes time it is rare to find an agent that has you at hello. when vendors are looking for that perfect match, naturally it’s a process that takes time. carcasa iphone 6 arte most people make a choice within the first three months of looking, with 48% of sellers choosing an agent comfortably within that time. 34% of sellers opt to wait a little longer, between four and 12 months.

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valuations are at the heart of property investment – particularly when it comes to getting finance, or being refinanced, with a lender. carcasa iphone 6s plus piel you might also just be asking ‘what is my home worth?’ and a valuation may appear to be the natural way to answer this question. carcasa agua iphone 7 Valuations: Five must know facts there are also many reasons why you’d want to get an independent valuation – peter detong from town & country real estate says it pays to be aware of what is involved. carcasa samsung galaxy grand duos here are some ‘must know’ elements of valuations: 1) it’s not an appraisal 2) they’re not an exact science 3) there are multiple types of valuation 4) comparables are heavily relied upon 5) you can assist the valuer tips for those wanting to get the best from a valuer:

  • provide them a list of comparable sales (potentially inside the same project, as well as some that are not). carcasas iphone 6s blancanieves while not all valuers will use them, some will.
  • apply for finance six months before completion, not six days and if you find the valuation comes in low it gives you time to get a third and a fourth.
  • attain your own valuation, using a valuer that is on your bank’s panel of valuers.
  • ask to see a soft valuation so you can check the comparables used and the comments made.
  • bear in mind that the valuer often has a different valuation for mortgage purposes as opposed to sale purposes. carcasa iphone 6s moderna de pueblo but mainly:
  • do your research beforehand. carcasa iphone 7 plus anti golpes go out and look at 100 or even 10 before you make a purchase decision.
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  中国商品房70年土地使用权到期之后,房子该怎么办?是自动续约再延长几十年的使用权,还是根据当时的地价补缴土地出让金,或是还有其他新办法?在”以房养老”政策开始在一些地区试点时,”房子70年之后”的问题再次变得迫切起来. 1-140224105251459 “房屋产权”只有70年 媒体报道,刚刚在北京买下一套商品房的陈卓原本并没有去想70年之后的事,直到她无意中看到<北京市国有建设用地供应办法(试行)>,在这部2005年颁布的地方法规中明确规定:”土地有偿使用期限届满,土地使用者需继续使用土地的,应当至迟于有偿使用期满前一年向土地行政主管部门提出申请,未申请或者申请未获得批准的,期满后的土地使用权由政府无偿收回. “届满””未获批准””无偿收回”这些字眼让陈卓开始担心自己房子未来的命运.一想到有一天自己倾全家之财买下的房子可能会不属于自己, 陈卓心有余悸.”70年之后,房子还是我的吗?或者说,要怎样它才能继续属于我?”   70年到, 房子属于谁? 官方长期以来没有明确的规定。比如,“1990年暂行条例”第十四条规定:“土地使用权期满,土地使用权及其地上建筑物其他附着物所有权由国家无偿取得。土地使用者应当交还土地使用证,并依照规定办理注销登记。 carcasas de iphone 8 ” 在城市里,任何单位和个人进行建设,使用土地,必须申请使用国有土地,向政府购买国有土地的建设用地使用权。政府垄断了住宅建设用地供应,房产商垄断着商品住宅供应。而现行法律规定中,“土地使用权”与“房屋产权”是两个不同的概念,土地使用权出让的最高年限是:居住用地70年。   中国房主的金融流失 由于中国房主没有房屋所在地的土地所有权,他们买到的只是房子的70年的使用权,相当于租房。但租房的租金应是每月支付的,没有住户会同意一次性缴清70年的房租。为一次性缴清70年房租,中国的房主们就需要到银行去贷款,并承担高额的贷款利息。 2012年,中国2000多家上市公司总利润2.2万亿人民币,而16家上市银行的利润就超过1.2万亿,超过所有上市公司利润的一半以上。这些上市银行共持有超过7.2万亿人民币的租房贷款。 2013年3月,中国首富宗庆后表示:“在买房等于交70年租金的政策背景下,老百姓无法拥有真正的恒产,这既不利于提升改善人民福利和生活品质,也不利于我国房地产市场的长期健康稳定发展。” 0 中国房主“无土地所有权”的巨额损失 精明的犹太银行家早就明白:房地产业中,“增值的是地,贬值的是房。 carcasa samsung np300e5c ”纽约曼哈顿的房子昂贵,不是因为其砖瓦价值高,而是房子下带有的土地是不可再生资源,随时不断升值。 carcasa iphone 6 perro 一个关于中国有房民众的核心利益问题:房地产增值的收益属于谁? 按官方数据,仅2012年,中国民众购买商品房总花销为6.4万亿人民币。假设中国每年物价上涨只有4%,70年后房子下的土地增值也将增长到近100万亿人民币。由于政府卖房时没有把土地所有权卖给民众,超过93万亿的人民币的土地增值利益从法律上应归土地所有者,即政府。 carcasa iphone 8 plus mujer   全中国人都在无偿为政府投资土地 随着商品房买卖的大量普及,目前中国住房自有率已达到70%以上,有的城市甚至超过了80%。 carcasas disney iphone 从2008年到2012年,中国民众在商品房购买上花销超过24万亿人民币。70年后,这些土地价值将超过379万亿。 carcasa iphone 6s elefante 换句话说,几乎全中国人都在无偿地为政府投资土地。 这对于毕生做房奴的中国老百姓来说,是绝对的不公平。

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while owner occupiers tend to have their insurance policies cut out for them (protect your home, yourself, and your stuff), landlords don’t have it quite so easy. how much protection are you obliged to provide for your tenants? and how do you protect yourself? your exposure to risk as a landlord comes from two sources: potential damage to your property and assets, and damage to your tenants. thankfully, standard building and contents insurance and landlord’s insurance will cover you should either of those situations eventuate. most landlord insurance policies will cover damage made by people external to your property. so if your rental property is vandalised by strangers, your landlord policy will most likely cover the repairs. carcasas para iphone 5 finas but if your tenant or their guest takes a texta to the walls, the bond is your best bet. if you feel your bond doesn’t provide enough cover, some insurers also provide extra tenant protection on top of your landlord insurance, which can cover malicious damage by your tenants or their guests, theft, or the loss of rental income if your tenants default on your rent. in general, your lease agreement will override your insurance policy. carcasa recargable iphone 6s most basic landlord insurance policies state that the insurer will not cover fixtures and fittings that the tenant is responsible for as part of your tenancy agreement. if you are considering landlord insurance, make sure you go through your prospective policy agreement with one eye on your lease. some landlord insurance policies will also reimburse you for lost rental income should your property become uninhabitable due to accidental damage. carcasa iphone 6 completa the health and wellbeing of your tenants is your other main concern as a landlord. as the owner of a leased property, you may be legally liable for accidents that happen within that site. while your legal liability cover will differ depending on your policy and provider, in effect it works like public liability insurance. if someone is injured in your property and successfully sues you, your standard landlord’s insurance will provide $10 million worth of cover to help you pay for this. while $10 million may seem like a staggering number, consider the potential costs for disability support your tenant may have to pay if they are permanently injured on your property. carcasa iphone 6s baratos bear in mind, landlord insurance will usually not cover the costs of any legal proceedings themselves. fundas iphone 6 carcasa what protection your landlord insurance policy should offer:

  • damage from animals to the interior of your property, not including your tenants’ pets or vermin and pests
  • the effects of natural disasters or fire
  • sudden and unexpected impacts, like falling trees or cars colliding with your property. carcasa iphone 6s marmol rosa note, this normally won’t cover any damage that happens as a result of contracted works.
  • vandalism and theft by someone who didn’t have the consent of you or your tenants to enter the property
  • your legal liability for claims arising from accidents onsite which result in bodily harm or death of someone on the property, not including you or your family.
  • your legal liability for claims where your tenants’ or their guests’ property was damaged in the rental

before you decide to become a landlord, make sure you are adequately covered. carcasa blindada iphone x australia has a competitive insurance market, with plenty providing landlord coverage, so take the time to shop around for comprehensive and cost-effective policy.

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two unlicensed agents have been fined almost $30,000 by the supreme court after their rent-to-buy scheme was foiled by consumer protection. the western australian scheme was conducted by patricia and bryan susilo, who on 27 february 2014 admitted to their misleading and deceptive conduct. carcasa silicona iphone 7 plus ms. carcasa plateada iphone 5 susilo further admitted to operating as a real estate agent without a licence. between late 2010 and early 2013, consumer protection alleged that deceptive statements from the company were used to lure unwary investors. carcasa de silicona iphone 7 plus such statements included: “own my home”, which gives the impression the prospective buyer in these schemes would get either sole or joint ownership of the homes after signing the contract, which was not the case; “no banks needed” and “stuff the banks – move in today”, which consumer protection claimed suggests buyers could purchase the home without a bank loan, when the promoters had no reasonable grounds to make these statements; “we do not charge commission or fees”, which was misleading since the promoters derived revenue from the arrangement; and “we are part of a group of real estate investors”, which was false. in addition, figures related to the weekly cost to prospective buyers did not accurately reflect the true total cost required to eventually own the property. commissioner for consumer protection anne driscoll said this case highlighted the dangers of people getting involved in these complex arrangements. carcasa iphone 6s mosoris “it would appear from our investigations into these rent-to-buy property schemes that the prospective buyers are at great risk of losing their money and sellers are locked into a fixed sale price for the duration of the contract,” ms. carcasa transparente samsung a5 2017 driscoll said. carcasa iphone 7 plus plastico “the schemes target people who are desperate and find it difficult to get finance to purchase a home, as well as vendors who are having difficulty selling their homes. “those who may be contemplating taking part in these schemes should think very carefully and get expert financial and legal advice before signing any contracts. carcasas iphone 6 apple They should treat any claims being made by promoters with scepticism and check to make sure information being provided by the promoter is accurate.” ms.

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