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Portfolio Code 505: Furnished Rooms for rent in Istanbul, Flatshare, Wohngemeinschaft

Wed, 30 Jan 2008 19:01:34 +0000

Portfolio Code 505: Furnished Room for rent in Istanbul, Flatshare, Wohngemeinschaft

ROOM’S Features
2nd floor apartment, one room in a 3 bedrooms one living room flat, with a kitchen room. The room itself has a bathroom with a shower unit and WC. You don’t share your batroom and wc with anybody. There is a small balcony as well. You can sit in the balcony, there is a table and chair. Sqm: 20 m2

LOCATION OF THE ROOM FOR RENT IN ISTANBUL, HARBIYE - TAKSIM
The furnished flat is the second floor of a building. The building is situated in Harbiye/Taksim area, less than 900m from Istiklal Street(6 min walk) , and 500m to Nisantasi (3 min walk) which can be called the heart of Istanbul, where the major culture & art centers are located, with many charming cafes, restaurants, shops and stores… 2-3 min walking way to Metro. The main street Cumhuriyet Caddesi is just 10 m away. This one furnished room of a 3 bedrooms one living room apartment with a kitchen and 2 bathrooms.

NUMBER of BEDS
One double bed

FURNITURE
There is double person sofa. Two tables with two chairs. You have your individual refrigerator and TV in the room. You share also all appliances like toaster, stove, natural gas burner in the Kitchen. Kitchen is used together. There is washing machine, ADSL wireless internet connection, wardrobe, chairs, dining and study table, pots, pans, dishes, fully furnished.
FEATURES
All floors are ceramic, nice kitchen, natural gas combi heating and hot water. All bathroom ceramics and accessories are new. There exits cleaning service if needed.
Floor: 2nd floor
Max. Occupancy: 2 people (Double Bed)

AVAILABLE DATES
PLEASE ASK AVAILABLE DATES TO US BY EMAIL OR BY PHONE
This flat is only available for minimum MONTHLY or YEARLY short and long term rentals. Phone: 0090 555 638 52 32 Email: info@studioflats.info

DOWNLOAD VIDEOS OF THE ROOM:

PICTURES:

If we are online, you can speak with us. If we are not online just add our msn email: info@flatsinistanbul.net and you ask your questions when we are online.

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Portfolio Code 506: Furnished Rooms for rent in Istanbul, Flatshare, Wohngemeinschaft

Wed, 30 Jan 2008 18:54:11 +0000

One furnished room for rent in Istanbul

Wed, 30 Jan 2008 18:50:10 +0000

Taksim Harbiye Studio Flats for rent in Istanbul, Taxim Studio Flats

Portfolio Code 72: One room studio furnished flat for rent, Taxim Studio Flats
ROOMS
2nd floor apartment, one room studio flat, with an open American kitchen, and a bathroom with a shower unit and WC.
Sqm: 35 m2
NUMBER of BEDS
Two single beds or one double bed. The beds can be installed as bank-beds over each other or used as double bed. and a foldable sofa.

LOCATION

Our one room studio flat with an open American kitchen and a bathroom with shower in Harbiye which is near Nisantasi and also near Taksim and Istiklal Caddesi. Suitable for cheap and economical accomodation for erasmus students in istanbul, university exchange students, project engineers, management trainees, visiting language course (Dilmer, Tomer) students in Istanbul. Five minutes to Nisantasi and 5 minutes to Beyoglu-pera where there are many shops, cafes, stores, restaurants, language courses Dilmer and Tömer. It is less than 5 min to Sisli, 10 min to Mecidiyeköy and 20 min to Taxim. There are many charming cafes, restaurants, shops and stores located in Beyoglu and in Nisantasi where our flat is located near by.

FURNITURE
Refrigerator, washing machine, Tv, ADSL Internet connection, wardrobe, chairs, dining / study table, Air condition A/C, some pots, pans and dishes for eating, bed sheets, bed cover, pillows, fully furnished.
FEATURES
All floors are stipped laminat wood floors, ceramic, new modern kitchen, natural gas combi heating and hot water. All bathroom ceramics and accessories are new. There exits cleaning service if needed.
Floor: 1st floor
Max. Occupancy: 3 people (Maximum 2 people is advised)

AVAILABLE DATES
PLEASE ASK AVAILABLE DATES TO US BY EMAIL OR BY PHONE
This flat is only available for minimum WEEKLY, MONTHLY or YEARLY short and long term rentals. Phone: 0090 555 638 52 32 Email: info@studioflats.info

DOWNLOAD VIDEOS OF THE FLAT: Not available yet. Coming soon.

PICTURES:

If we are online, you can speak with us. If we are not online just add our msn email: info@flatsinistanbul.net and you ask your questions when we are online.

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Apartments in Istanbul, Student Accommodation in Istanbul,

Mon, 07 Jan 2008 13:18:59 +0000

FURNISHED FLAT FOR RENT IN ISTANBUL - HARBIYE - TAKSIM - Portfolio Code: 124

ROOMS
2nd floor apartment, two rooms and a living room flat, with an individual kitchen and a bathroom with a bathtub and WC.
Sqm: 80 m2
NUMBER of BEDS
One double bed, One foldable single bed, foldable sofa.

LOCATION
This flat is near Taxim and ni?anta??. Nice flat for short term and also for long term tennats. The flat is 10m to the main street. Our three rooms funished flat with an individual kitchen and Bathroom, Wc is for rent in Harbiye which is near Nisantasi and also near Taksim and Istiklal Caddesi. Five minutes to Nisantasi and 5 minutes to Beyoglu-pera where there are many shops, cafes, stores, restaurants. It is less than 5 min to Sisli, 10 min to Mecidiyeköy and 20 min to Taxim. There are many charming cafes, restaurants, shops and stores located in Beyoglu and in Nisantasi where our flat is located near by.

FURNITURE
Two foldable sofa, one double bed, one foldable single bed, refrigerator, washing machine, ADSL Internet connection, wardrobe, chairs, dining or study table, pots, pans and dishes, fully furnished.
FEATURES
All floors are wood floors and ceramic, modern kitchen, natural gas combi heating and hot water source. Decorative bathroom ceramics and accessories. There exits cleaning service if needed.
Floor: 2nd floor
Max. Occupancy: 4 people ( One double bed, one foldable single bed and a foldable sofa)

DOWNLOAD VIDEOS OF THE FLAT: Not available yet.

PICTURES

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 Thanks for visiting Flats and Rooms in ,  in  or Serviced Apartments in  web sites.

If we are online, you can speak with us. If we are not online just add our msn email: info@flatsinistanbul.net and you ask your questions when we are online.

Istanbul Vacation Rentals, Erasmus Accommodation in Istanbul, Housing in Istanbul

Mon, 07 Jan 2008 12:28:02 +0000

Erasmus Accommodation in Istanbul, Apartments in Istanbul

Mon, 07 Jan 2008 12:06:34 +0000

Furnished Flats in Istanbul - Nicely furnished flat for rent in Istanbul - Erasmus Student Flats

Mon, 07 Jan 2008 11:57:47 +0000

Furnished Flats in Istanbul - 2 Bedrooms 1 living room furnished flat for rent in Istanbul

Mon, 07 Jan 2008 11:36:38 +0000

TWO BEDROOM AND ONE LIVING ROOM, FURNISHED FLAT FOR RENT IN ISTANBUL - HARBIYE - TAKSIM - Portfolio Code: 177

ROOMS
2nd floor apartment, two rooms and a living room flat, with an individual kitchen and a bathroom with a bathtub and WC.
Sqm: 95 m2
NUMBER of BEDS
One double bed, two foldable sofa, a single bed.

LOCATION

This flat is near Taxim and Nisantasi. Nice flat for short term and also for long term tennats. The flat is 10m to the main street. Our three rooms funished flat with an individual kitchen and Bathroom, Wc is for rent in Harbiye which is near Nisantasi and also near Taksim and Istiklal Caddesi. Five minutes to Nisantasi and 5 minutes to Beyoglu-pera where there are many shops, cafes, stores, restaurants. It is less than 5 min to Sisli, 10 min to Mecidiyeköy and 20 min to Taxim. There are many charming cafes, restaurants, shops and stores located in Beyoglu and in Nisantasi where our flat is located near by.

FURNITURE
Two foldable sofa, one double bed, one single bed, refrigerator, washing machine, ADSL Internet connection, four chairs, dining and study table, pots, pans and dishes, fully furnished.
FEATURES
All floors are wood floors and ceramic, modern kitchen, natural gas combi heating and hot water source. Decorative bathroom ceramics and accessories. There exits cleaning service if needed.
Floor: 2nd floor
Max. Occupancy: 5 people ( One double bed, two foldable sofas and a single bed)

AVAILABLE DATES
PLEASE ASK AVAILABLE DATES TO US BY EMAIL OR BY PHONE
This flat is only available for minimum WEEKLY, MONTHLY or YEARLY short and long term rentals.

Phone: 0090 555 638 52 32 Email: info@studioflats.info

DOWNLOAD VIDEOS OF THE FLAT: Not available yet.

PICTURES

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 Thanks for visiting Flats and Rooms in Istanbul, Furnished Apartments in Istanbul or Serviced Apartments in Istanbul web sites.

If we are online, you can speak with us. If we are not online just add our msn email: info@flatsinistanbul.net and you ask your questions when we are online.

Why Use An Agent When Buying Spanish Property

Sat, 09 Jun 2007 15:10:38 +0000

Why Use An Agent When Buying Spanish Property

I have received many messages recently regarding estate agents who, it appears are getting a battering for a number of reasons -lack of professionalism, high commission charges, leaving clients in the lurch, and acting on their own interests. Whether a buyer or seller - is it worth using an estate agent?

Let me start by saying this article is neither in condemnation nor defence of estate agents, their commissions or practices, it is a reflection on the contrast and similarities between here and other countries - primarily the UK. We will look at how they charge - what they do for their money and whether or not it is worth it. I will be playing devils advocate on both parts to balance the equation - even though by being an agent myself I am naturally going to have a bias.

spainish windmills

We will look at how to go about buying or selling a property without an agent. As you would imagine this is will be emotive. Many will agree or disagree with what is said and if that facilitates debate and at least gets you thinking it has achieved its objective - “oh no he’s off again - more controversy”, I hear you cry.

I would hope to spark a debate about your experiences, whether good bad or indifferent, how this measured up against your expectations, what was promised and how you felt before, during and after the process. If you have any comments about this article or the subject in general then please respond.

You give love a bad name

There is no doubt that estate agents have a bad name in Spain. Most of the stories I hear are full of “Don’t use these agents” “watch out for high charges” “Rip off merchants abound” “ X left me high and dry”. I even know of one couple who were left 20kms from Gandia by a large agent based in Gandia because they refused to give certain details to the agent. This was an elderly couple left in the middle of nowhere

So why has the industry received such a lot of negative press in recent years and is it warranted?

Most of us have experienced buying in Spain and I would bet that most have bought through an agent. There are many anecdotal cases of rip off agents - people charging what they can get away with- indeed I know of four such cases. But are all agents the same?

As in all walks of life there are good and bad people and it is usually the bad that give the rest a bad name. A lot of foreign agents are probably guilty of nothing more than ineptitude, lack of professionalism and a lack of knowledge. However there can be serious repercussions when things go wrong.

Let’s tackle probably the most contentious issue - estate agents commissions.

How many times do we hear that estate agents overcharge in Spain? How can UK agents charge 1-2% yet their Spanish counterparts charge 3-6% and more. Let’s set aside the rip off agents and assume the ones we are talking about charge 3-6% fees. What on earth can justify these high charges?

Wait a moment! High charges!

Do you know that in Germany, France, Belgium and Holland the average sales commission is 6% and can be as high as 10%, it is 6% - 7% in the USA. No wonder Dutch and Belgian clients don’t balk at such commissions here But because UK buyers expect to pay 1-2% other countries should follow suit. But we aren’t comparing apples with apples here. According to the API - the professional body of estate agents similar to the NAEA - a realistic level of commission is between 3% and 6% depending on the transaction. They even give advice as to what type of properties should attract what type of commissions.

But why are real estate agent commissions so high. If UK agents can make a profit (and they obviously can) from charging 1-2% why cant Spanish agents.

Typical UK agent

They have an office in town, their catchment area is 5 mile radius and there are probably 10 agents locally compare to Oliva - a small town - there are at least 30 agents probably more home based intermediaries.

UK agents advertise in the local press, have a website and are probably part of a bigger group and/or advertise on a property portal. They give you a valuation of your property, put up a for sale sign and then wait.

Once the buyer enters the office (rather than the agent going to the buyer) they take them to view the house - or do they? When selling my UK house the agent just sent the people. When an offer is accepted they inform both parties and their solicitors and arrange a mortgage (mainly because they get a commission- but in fairness they have to be regulated to offer mortgage advice).

After sale - what do they do? I cannot remember the name of one single estate agent that sold my houses in UK (and there have been a few(, none bothered to keep in touch afterwards. So forget after sales service it doesn’t exist.

They also probably sell in the region of 20 -30 properties per month (they have most houses exclusively so if a client wants that house they have to go there) and smaller, more densely populated area. They can also see 5 or 6 clients per day - or more if there is more than one person in the office.

So in summary then a UK based agent will do the following

1. Value your house and probably have it exclusively or charge you double if you go with another agent

2. Put it in their office window

3. Put it on their website

4. Maybe you will be part of their normal display ad

5. Arrange viewings for you

6. Assist in the negotiation

7. Inform both parties of a sale pending subject to offer.

8. Sit back and wait until the commission is paid

9. All this for between 1 and 2%

Next issue we will take a look at their Spanish counterparts and see what they do to justify their charges. If you have any comments on the subject matter or want any advice then please feel free to contact me. vbtudor@spanishproperty-direct.com and for more articles about buying in Spain look at the website www.spanishproperty-direct.com

By Vince Barnes

Why Use An Agent When Buying Spanish Property

Sat, 09 Jun 2007 15:08:53 +0000

Why Use An Agent When Buying Spanish Property

spainish windmills

You give love a bad name

So why has the industry received such a lot of negative press in recent years and is it warranted?

Let’s tackle probably the most contentious issue - estate agents commissions.

Wait a moment! High charges!

But why are real estate agent commissions so high. If UK agents can make a profit (and they obviously can) from charging 1-2% why cant Spanish agents.

Typical UK agent

So in summary then a UK based agent will do the following

1. Value your house and probably have it exclusively or charge you double if you go with another agent

2. Put it in their office window

3. Put it on their website

4. Maybe you will be part of their normal display ad

5. Arrange viewings for you

6. Assist in the negotiation

7. Inform both parties of a sale pending subject to offer.

8. Sit back and wait until the commission is paid

9. All this for between 1 and 2%

By Vince Barnes

Property for Sale from 110.000 Euros ( Ucuz Yazlık Evler )

Sat, 09 Jun 2007 15:06:42 +0000

Property for Sale from 110.000 Euros ( Ucuz Yazlık Evler )

Marbella properties and properties in Costa del Sol have been the most popular region of Spain for holiday makers and overseas property real estate investors. There is also a great interest for investing in Greece and Cyprus for summer homes. Since these last years, investors have realized the potential in real estate market in Turkey. Turkey is hot-on-the-lips of many investors. As well as being an excellent holiday destination, the country offers property at competitive prices and is ideal for those who can no longer afford traditional holiday areas such as Spain, Portugal or Greece. Bodrum Peninsula is a hotspot for property investment, compared to Spain and Greece. Turkey has just recently been rated as the third best country to invest in summer properties and Bodrum peninsula is the ideal location to minimize investment risk.
Property for Sale in Bodrum

* Title : Risus Homes
* Completion Time : November 2007
* Type : Apartment
* Location : Turgutreis
* Rooms : 3 + 1
* Bathrooms : 3
* Area : 132 m2
* Swimming Pool : Yes
* Distance from Sea : 500 meters
* Price : 110,000 GBP
* More Pictures of the Project

Turgutreis is located 18 km from Bodrum and at the westpoint of the Bodrum peninsula and the second largest residental area after Bodrum. Cos island of Greece is 25 minutes away by ferry from Turgutreis international Marina. This amazing development consists of 4 luxury villas and 12 apartments. There is a large communal swimming pool for the apartments and private pools for the villas. The villas come with 3 bedrooms and 3 bathrooms. They have 2 storeys with a total of 200 sqm. Prices of the villas are from 135.000 GBP. All the villas and apartments have magnificent seaview even from the ground floor. Contact us for details.

Spanish Properties from £38,100

Sat, 09 Jun 2007 15:05:51 +0000

Spanish Properties from £38,100

Spain has pioneered the trend to own overseas property and is still the UK nation’s favourite destination for a place in the sun. The market is cooling but there are plenty of opportunities to be had away from the traditional hotspots, in the lesser- known costas and inland amongst the olive groves.

There are still more British people buying in Spain than in any other overseas destination. The short travel time from the UK - thanks to the opening up regional airports at both ends combined with the reliable climate, Mediterranean scenery and laid-back lifestyle continue to draw property buyers from the UK, as well as other European nations.

That said, foreigners’ spend of 1.96 billion euros on Spanish property in the first five months of 2006 was 13.2 per cent down year-on- year. Fears of a dangerously over-heated market have abated, but the market is definitely slowing. Spanish property inflation rates have fallen for six consecutive quarters, from 17.2 per cent at the end of 2004 to 10.8 per cent at the end of June 2006, reports Spanish Property Insight.

If this trend towards a ‘soft landing’ for the property market continues, as predicted, then real property price increases in Spain will be close to zero in a year or so. The Costa del Sol and Costa Blanca remain the principal buying areas. The former enjoyed the best summer in five years this year with a nine per cent increase in tourism; this will boost the confidence of property-owners in the rental market. Much of the new development on the Costa del Sol has shifted west of the Golden Mile to the area around Estepona and Duquesa. More affordable property on the Costa del Sol coast can now be found slightly inland, in the budding Axarquia and Antequera regions, or further east around Granada and the Sierra Nevada and Alpujarra mountains.

Other parts of Spain experiencing a mini-explosion are Murcia, where a handful of golf resort developers including Polaris, 3 Molinos and La Serena, are building huge self-contained resorts, the Costa Almeria, notably around Roquetas de Mar and Vera, and the Costa de la Luz including the Spanish Algarve around Ayamonte, known for its gorgeous beaches. Catalonia in the north is popular amongst property buyers looking for a private, tranquil bolt-hole and as usual, for the real bargains head inland a few kilometres.

Source: Real Estate in Spain

Dubai Properties from £41,700

Sat, 09 Jun 2007 15:04:06 +0000

Dubai Properties from £41,700

Dubai’s property market has been hitting the headlines for a few years now, but with more and more international companies setting up bases here and some highly ambitious tourist developments on the way there is no reason to believe that this desert state’s time has been and gone.

Property development continues at an immense rate in Dubai; there are an estimated 215 skyscrapers currently under construction, with a similar number due to start over the next two years (the Burj Tower, with 188 storeys, is set to be the highest).

If the Dubai government meets its target of boosting its population to four million by 2015 from the current 1.3 million, then this glitzy United Arab Emirates hotspot will need every property it has to offer.

Thanks to the two government-induced ‘off-shore’ developments - The Palm and The World - Dubai has a reputation for luxurious, highly-expensive property, fit only for the Beckhams of this world. But this is just one side of the story; off-plan apartments are still available below the £100,000 market and there are developments, such as the International City on the edge of the Dubailand theme park, that are aimed at the “affordable” end of the scale. More proof comes from Victoria Finch of Cluttons, who recently said that “people who used to buy in the Mediterranean are now buying in Dubai, and there are also people planning their retirement who want to spend six months in the sun”.

The demand for property from the thousands of Western professionals working in Dubai - where your earnings are tax free - is also fuelling the boom in off-plan apartments; in the next four years an estimated 300,000 apartments will come onto the market. With this in mind, a popular investment area with strong rental potential is the Dubai Marina and particularly The Point and The Torch complexes, next door to Media City where Microsoft, Cisco, Reuters and CNN have offices. West of the city, moving away from the traditional expat areas of Jumeirah and Al Garhoud, on the north-eastern side of the Creek, is becoming the focus of much development.

For the time being there is a relative shortage of apartments as investors wait for their homes to be completed. The general feeling is the party is over for those wishing to make a fast buck from selling on off-plan property.

Source: Dubai Properties

Turkish Properties from £47,600

Sat, 09 Jun 2007 15:03:48 +0000

Turkish Properties from £47,600

Like Spain 30 years ago, Turkey’s low property prices are attracting more than just holidaymakers - Brits are now lining up to buy holiday homes there. The southern resorts of Fethiye and Marmaris were first in on the action but we’re now turning our attention to the northern Bodrum and Cesme peninsulas.

They used to say that prices in Turkey were the same as in Spain… if you knocked a nought off. But the days of the £10,000 beachside apartment are over; nowadays you might have to pay £20,000. Brits have discovered the beauty of this huge, historic country, three times bigger than the UK and with 7,000 kilometres of coastline. People have traditionally headed for the Mediterranean and south Aegean coasts, with British and Irish holiday home-owners in resorts like Marmaris and Fethiye. But now we’re going north as enterprising Turks develop more of the coastline.

The Bodrum Peninsula is a popular spot right now; recently described as being “the new San Tropez”, where wooded countryside meets the shore in a series of glorious bays and pretty fishing villages. Talk to any Turkish developer and they’ll insist that they’ve learnt lessons from other countries and will not be allowing crass over-development, though in parts of the country they seem to be coming perilously close! However, if a £40,000 three-bed villa amongst other Brits is exactly what you’re looking for you have a choice of resorts. For others, who might traditionally have headed for France or Tuscany, there is unspoilt beauty around every corner. Like the Cesme peninsula. Just an hour’s drive from Izmir, with regular flights to the UK, this stretch of coast is so close to the Greek islands that many use Izmir as a closer airport than going via Greece.

A new development of golf courses and pretty homes is going up, based around the village of Alacati. Anyone who doubts the classy, European appeal of Turkey should visit this picture-perfect village, popular with visitors from Istanbul. With all this building, off-plan and new-builds are most popular. It is difficult to predict whether the general house inflation can continue, or whether over-supply will force prices down. But either way it can’t be long before those same people who have been buying up every gorgeous old finca in the Balearics realise there are equally beautiful renovation projects in Turkey too; at a tenth of the price.

Greek Properties from £30,400

Sat, 09 Jun 2007 15:02:03 +0000

Greek Properties from £30,400

The Market: Athens and the coast

When it comes to Mediterranean property hotspots, Greece is up there with the best of them in the value for money stakes. And despite recent changes in tax laws that have made the buying process a tad harder on the wallet (including 19 per cent VAT on newly-built premises), Greece’s property market continues to prosper. Over the past few years reduced interest rates, the deregulation of rents and a general increase in countrywide living standards have all played their part in helping the Greek property market to go from strength to strength. “The market is very strong – Greece is considered to be the best value for money in the Mediterranean,” says Spyros Mantzos of British-based agents A Property in Greece.

And when it comes to potential locations for your property purchase, Greece has more options than your average meze menu. There are countless miles of gorgeous coastline dotted with bustling resorts and quaint fishing villages, and some breathtakingly rugged mountainous regions. Most British househunters tend to head straight for the traditional coastal areas of the Peloponnese peninsular. Here you’ll find a thriving market for second homes in the sun and holiday buy-to-lets in the popular Mediterranean resorts.

But interest in the buy-to-let market in capital city Athens is growing at quite a rate, even more so since wholesale improvements in the city’s infrastructure were carried out in preparation for the 2004 Olympic Games. “Athens is definitely a hotspot for buy-to-let properties,” says Mantzos. “And the number of British buyers in Greece is very much on the increase. They’re attracted to low property prices friendly people and strict controls to prevent overdevelopment.”

And Mantzos, among others, believes there’s no reason why this trend shouldn’t continue for many years to come: “The future looks excellent, driven by price, climate, cost of living and one of Europe’s lowest crime rates.”

Source: Property Investment in Greece

Investment in Turkey

Sat, 09 Jun 2007 15:01:16 +0000

Investment in Turkey

The Turkish property market is witnessing the early stages of a massive boom triggered off by an important change in the law relating to the ownership of property by foreigners. This only happened at the end of 2002, but it has meant that prices have been rocketing ever since. As other Mediterranean countries rapidly become too expensive.


Prices rose by an average 60% over the last 22 months in the coastal areas. All indicators show that this is just the beginning and we expect prices to rise sharply for the next 5-10 years. This means that your slice of paradise will also be a lucrative investment. Rental incomes are also doing very well as more and more people are turning their backs on tour operators and large hotels in favour of organising their own holidays in their own space. Villas and apartments are built to the highest specifications.
Unlike places such as Spain, when you buy a property in Turkey nobody can take it away from you or make any claim on you unless this is registered at the land registry before you buy.
Mortgages are only available if you become a resident. Should you require funding then you should consider borrowing from a UK lender against the equity in your UK residence.
You can expect a rental income of between € 450 - 900 (£300 - 600) per week for a 3/4 detached villa with own or communal pool.



Real Estate in the Northeast of Brazil, State of Ceara
Sat, 09 Jun 2007 14:59:59 +0000
 Real Estate in the Northeast of Brazil, State of Ceara
GENERAL FACTORS
Predictions by leading financiers, Goldman Sachs, are ranking Brazil amongst the top 5 world economies by the year 2050. As one world’s largest countries, with a current population of over 180 million, Brazil’s economic potential is enormous. The current availability of cheap labor and materials, coupled with undervalued real estate, mean the conditions for growth are outstanding.
Major investment is ongoing to improve Brazil’s infrastructure and create purpose built tourist facilities. Due to increased efforts by its government, Brazil experienced 48% growth in its tourism industry between 2002 and 2005, with further growth predicted in 2006 and 2007.
Growth is being centered on the coastal destinations of Fortaleza (State of Ceara), Salvador and Natal in particular, which is the closest point of Latin America to Europe and the location of a new airport which shall be the EIGHTH largest in the world. Easy access from North America and Europe is on the increase, with costs of travel reducing each year, giving Brazil a truly global investment and tourism appeal.
With a Tropical stable climate, world-famous, beautiful beaches and a year-round tourist season, Brazil is set to benefit purchasers with buy-to-let investment strategies. The low cost of living (20% of that in the UK) also appeals to investors and tourists looking for a lower cost alternative to the peaking Caribbean market.
There are no complications regarding property ownership in Brazil and investments can be purchased as 100% Freehold.
We will assume that you already have made up your mind to invest in real estate and to do so in Brazil.
CAUSE:
There are three reasons that I think are the most important for this to happen:
1.) Low labor cost and low living expenses.
2.) Government incentives are abundant since the states are looking forward to the economy becoming even stronger through this.
3.) Last but not least the stable climate without earthquakes, hurricanes, tsunami, terrorism or any of the God’s acts that let us know where our place is.
Of course, we cannot forget the friendliness of the locals and lower crime levels than those of the South & Central regions of the country.
EFFECT:
Advantages of Brazil Investment
    * Property capital appreciation of 20% average in the Northeast per annum.

    * Favorable currency exchange rates, making property transactions cheap for foreign investors.

    * President Lula’s progressive policies, bringing many improvements to Brazil , including a decrease in inflation to an all-time low at 5.7%.

    * Active encouragement and incentives for foreign investment - you can own 100% of land and property.

    * Cost of living only 20% of that in the UK/Europe and property maintenance costs extremely low.

    * Some of the lowest property prices in the world.

    * Increase of thriving manufacturing industries relocated to Brazil and boosting the economy.

    * Expected self sufficiency in oil reserves within the next year.

    * Some economists believe Brazil is amongst the leaders of the future, along with Russia , India and China .

    * Year-round sunshine, with average summer temperatures of 21°C.

    * Great natural beauty with fantastic scenery and 7,000km of beaches.

    * Friendly nature of the Brazilian people.

    * Vibrant cities with carnivals and music.

    * Low international risk of war, terrorism or SARS in Brazil .

    * Easy access via direct flights from many international airports.

    * Donald Trump invested here very successfully.

    * Billions of U$ Dollars are being poured into the real estate market making it very stable and profitable.

    * Brazilian currency is strong on the Forex markets further lowering risk.
Now, let’s discuss why to make investments in the Northeast and more specifically State of Ceara?
The Northeast region of Brazil is the fastest growing area on the South American continent. This is in regards to economic factors such as export/import, tourism, real estate, natural resources & energy etc….
We have seen a steady value appreciation of these investments over the last four to five years and especially real estate geared towards tourism and golf.
Numerous developments such as resorts & hotels with beach front condominiums full of villas (in hundreds and sometimes in thousands) including golf courses have been springing up every 100km or so throughout the 2500 km of the Northeast’s Coast Line.
State of Ceara , with it’s capital City of Fortaleza has been undoubtly attracting the most savvy of the investments in the region. South America’s largest water park is located here and the Pinto Martins International Airport is fit to accommodate a large amount of flights and is currently in an expansion stage.
 There are a minimum of four golf course developments under construction at this time and there is THE largest tourism development in this country covering an area of 3100 hectares or 31 Million square meters well on its way. The evaluated grand total of this enormous undertaking is over U$D20 Billion. It’s in the construction stage as well. Another pre-approved project has been recently sold to an undisclosed investor in the, not undermining size, of 1020 hectares with licenses for a Marina, 16 resorts, golf course, private airport, convention center & shopping mall, etc…These are just the two largest developments in this state besides many others. Inside the City of Fortaleza buildings are popping up everywhere and the construction trade has received a very significant rise in demand (since 1998 to today 1000% growth). Rentable property is a very interesting factor, however there are a few good managing companies available for to the public.
This state is very strategically and geographically located in relation to main cities in Europe like Lisbon, Madrid, Paris, Milan, Amsterdam, Brussels, Oslo, London, Copenhagen etc…as well as Miami, New York, Boston,USA.
The Capital of Fortaleza has the largest population in the Northeast and yet incredible to say the lowest crime rate in the area.
There are Mountains with waterfalls and European climate 3-6 hours of a drive away, depending of course on which one desires to visit, the world-wide famous beaches like Jericoacoara, Cumbuco, Fleixeiras, Lagoinha, Praia das Fontes etc…..
There are over 1000 edible fruits here, interesting cuisine, vital to the Brazilian Culture is the nightlife with the various restaurants and bars which are great investments for the well informed persons with outdoor seating and gardens.




Choosing the best mortgage
Sat, 09 Jun 2007 14:59:12 +0000
 Choosing the best mortgage
If you’re in the market for a new home, you figure it must be less expensive to buy now than when rates go up even further, assuming housing prices stay strong in the near term, something economists expect will happen. That may be the only thing you can be sure about.
But finding the best type of mortgage for your situation can feel a little like finding the perfect ecru in a sea of beige.
It doesn’t have to be that way. If you ask yourself the right questions, you at least can narrow your search to the best category of mortgage for which you need to comparison shop.
15-year versus 30-year debate
The first question you should ask is, “How much can I afford to pay on a monthly basis?”
Keep in mind, your mortgage payment is only part of what you’ll pay to live in your home. You also should budget for furniture, your house’s upkeep and the general expenses of life (like, say, food).
A 30-year mortgage will have a lower monthly payment and a higher interest rate than a 15-year mortgage. So you’ll have a smaller monthly obligation but you’ll pay more for your house over time because you’re paying it off with interest for a longer period.
Conversely, a 15-year mortgage will have a higher monthly payment and a lower interest rate so you’ll pay less for your house because you’re paying it off in a shorter period.
“For most home buyers, especially first-time buyers, taking a 15-year (or 20-year) mortgage is out of the question,” said Keith Gumbinger, vice president for mortgage tracker HSH Associates. The higher monthly payments are often too much to handle for these types of buyers.
But for home buyers with sufficient income and a desire to be mortgage-free in a short time, a 15-year loan might be a good bet.
Fixed versus adjustable-rate conundrum
The second question you should ask is, “How long will you be in the house?” You probably can’t answer with absolute certainty, but you can play the odds.
Say, for example, you’re single and buying a small condo but you can easily envision yourself married; or you’ve just started a family and plan to expand it at some point. Chances are good you’ll want to trade up to a new home in five to seven years. On the other hand, maybe you’ve had your family and want to settle into a place with a good school system, which your kids will be using for the next 12 years.
Whatever the answer, it will help you decide whether it makes sense to get a fixed-rate or an adjustable-rate mortgage (ARM).
A fixed-rate mortgage locks in a rate for the length of your loan.
ARMs, meanwhile, are short-term fixed-rate loans: After the fixed rate term is up, the rate adjusts at regular intervals in accordance with current interest rate conditions at that time. A 5/1 ARM, for example, has a fixed rate for five years and then adjusts every year for the next 25 years. (ARMs typically run on a 30-year schedule.)
The length of the fixed-rate term on an ARM typically can range anywhere from one month to 10 years. The longer the rate is fixed, the higher the interest rate you’ll get. But generally speaking — and there have been exceptions in the past — ARMs will cost you less in the short-term. With the ARM, both your monthly payments and interest rates should be lower than either a fixed rate 15-year or 30-year mortgage.
The risk with an ARM is that when interest rates rise, you could end up paying much more than you bargained for. “You’re subject to the vagaries of the market,” Gumbinger said. That’s why in today’s low-rate environment, he noted, “You want to maximize the fixed-rate picture to match your time frame.”
If you know you’ll be in a home for 12 years or more, a 30-year fixed rate mortgage might work better for you than, say, a 5/1 ARM, where you fix a rate for five years and then it adjusts every year after that. But if you think you won’t be in the home longer than five or six years, a 5/1 ARM might make more sense.
A dollars-and-sense exercise
Say you need a $200,000 loan to buy a home and you can get the current average rates for a 30-year fixed, a 15-year fixed, or a 5/1 adjustable rate mortgage.
With the 30-year fixed rate at 6.62 percent, your monthly payment would be $1,280. The interest you pay over the life of your loan would total $260,786.
With a 15-year fixed rate at 5.94 percent, your monthly payment would be $1,681. The interest you pay over the life of your loan would total $102,623, or about $158,163 less than the 30-year fixed.
With a 5/1 ARM at 4.20 percent, your monthly payment would be $978 for the first five years. The total interest you pay over the life of the loan if you stayed in your home past five years is anyone’s guess because your rate would then adjust annually. But if you move after five years, that won’t be an issue.
Source: CNNMoney




How to make your home sellable
Sat, 09 Jun 2007 14:57:12 +0000
 How to make your home sellable
Homeowners looking to sell in most parts of the country haven’t had to wait around very long for a suitable offer, and those in the best markets have seen their homes swooped up in a matter of days, even hours.
In early 2003, in fact, 21 percent of all houses went into contract less than one week after going on the market, according to the National Association of Realtors (NAR). On average, houses sold in just five weeks - nearly half the time it took throughout the 1990s.
“I believe this may be our best year ever,” said David Hemenway, a realtor in Cottage Grove, Ore., who’s been in the business since 1968. On the other side of the country in Sebring, Fla., realtor Chip Boring is enjoying a record year.
Yet, both are aware that great times can’t last forever. “Up until the last 2 1/2 years the average time on the market was anywhere from 180 days to 210 days,” Boring said. And Hemenway recalls the early 1980s when his listings lingered on the market, sometimes for years.
As interest rates creep up, buyers’ budgets creep down and markets return to more normal levels, sellers will discover that it takes a little more work (and patience) to unload their homes.
Many already have. While there is little you can do to change the laws of supply and demand, you have some control over whether your house sits or sells.
Here are the most common reasons houses don’t sell, in order of importance.
The price is not right
Even in the best of markets, setting your price too high is a mistake — unless you really don’t want to sell your house.
“Starting too high is the worst thing you can do,” said Hemenway.
Why? Because your greatest opportunity for selling your house is immediately after it goes on the market. That’s when the majority of serious buyers will see the house.
“Even if you lower the price to reflect the market, you’ll have fewer people coming through than if you’d just priced it right to begin with,” said Hemenway.
In fact, it’s not until after you bring the price down below the market - something few sellers want to do - that interest will pick up again.
To make matters worse, say real estate agents, the longer a house sits the harder it is to sell. “Everyone thinks there must be something wrong with the house if it hasn’t sold,” said Boring, adding that for this reason he won’t take on a listing if the seller insists on asking more than the house is worth.
To drum up new interest among buyers, sellers sometimes pay for extra advertising or offer to, for example, pay for closing costs as a way to get buyers’ attention. “In markets where people don’t have a lot of cash, paying for closing costs or buying down interest rates with points up front can put you at a huge advantage,” said Ron Phipps, a realtor in Warwick, R.I.
The house is in the wrong place
When markets are good, buyers are more willing to buy on the outskirts of an area or turn a blind eye to busy streets, bad views and other problems. But when markets cool down, it’s these spots that suffer the most, said Hemenway.
Short of moving the house, there is not much you can do if it is in the wrong location. But while in the house you can take care to make sure you don’t over-improve your property relative to the ones around it.
“If you have a $300,000 house in a neighborhood of $100,000, be prepared to lower the price or let it sit,” said Boring.
Buyers can’t get past the front door
Realtors say that getting buyers to take a look inside a house is the biggest challenge of selling a house. Once they’ve stepped through the door buyers are more likely to consider a place.
“I recently sold a house that from the front was not very inspired,” said Phipps. “The buyers came to the open house only because they needed to kill time, but once inside they were interested.”
For this reason, a little time and money spent on curb appeal will go a long way. Trimming the grass, washing the windows and planting a few flowers may be all it takes.
In the case of houses whose best features are inside or out back, Phipps recommends taking good interior pictures and putting 360-degree tours online.
Sellers sometimes get buyers to look past their homes’ imperfections with creative extras. “I’ve seen sellers offer decorating allowances, and pay for cleaning service and landscaping,” said Phipps. “Several years ago a seller in the bakery business offered to bring the buyer a different cake every month.”
Too much chintz and tchotchkes
Less is more when it comes to attracting buyers.
“Put all of those pictures of your family and other personal treasures away,” said Sheryl Gregory, a broker in Wynthrop, Maine. “It distracts buyers and makes it harder for them to picture themselves in the house.”
She also recommends taking down distracting curtains and putting on a fresh coat of paint. “Buyers sometimes get scared if they wander through a house and think they’re going to have to do a lot of painting,” she added.
Source: CNNMoney




For sellers only
Sat, 09 Jun 2007 14:56:55 +0000
 For sellers only
When you decide to sell, the first thing to do is investigate the local housing market.
Consult the large real estate sites, like Realtor.com, Zillow.com and HomeGain.com to see how similar homes are priced in your neighborhood. Many newspapers also list the selling and asking prices of recent sales, plus how long the houses were on the market. Note the prices for your neighborhood during the last several months.
Check how sales were running, say, a year ago, so you get an idea of whether the market is heating up, cooling down, or staying put. This exercise should give you a sense of what your home is worth.
Selecting an agent
You may decide that you can sell your home without an agent. It’s an attractive thought, since you would save the 6 percent of the selling price that a broker typically collects. But balance that against the work involved in advertising a house and being available at all hours to show it.
If you do decide to work through an agent, ask for referrals from friends or check the Web and local newspapers for advertisements. Don’t simply accept any recommendation. Make an appointment with an agent and interview him or her for the job.
Evaluate the person as though you were a buyer: Is he or she professional and personable? Does he say the right things to make you want to see the home? Also, since the agent will likely be able to advise you on a selling price, how well does his or her price jibe with the homework you did on your own? Don’t be fooled by an agent who is merely flattering you with an inflated price. Go by what you already know about your house and the current housing market.
Ask whether he or she will be the agent actually showing the house. Some brokers have specialists whose main duty is to win the listing. Then another of the broker’s agents takes over.
The lowdown on commissions
Once you find an agent you like, you have to formally sign a listing agreement. This is a contract, laying out the specifics of your arrangement, including how long you will let the agent represent your home and what the compensation will be.
Many agents prefer an exclusive listing, meaning you agree to pay a commission regardless of whether the agent is actually responsible for finding the seller. You should commit for no longer than three months (one month, in a hot market). In case you find the agent lacking in enthusiasm, you don’t want to be locked into a bad situation.
When you discuss the listing agreement, discuss other issues as well. For instance, if there are certain times when you want the house off-limits for walk-throughs, let the agent know.
Also, consider negotiating the commission. If your house is expensive, an agent might not flinch if you suggest 4 or 5 percent instead of the usual 6. Conversely, if you know it’s a buyer’s market, consider offering the incentive of a higher commission if the agent can land you a sale within 5 percent of your asking price.
After you’ve signed a listing agreement, you may want to give your lawyer a call to notify him or her that you’re selling your house and will need help reviewing bids and contracts. If you don’t want to pay for a lawyer, your agent should also be able to guide you through this process.
Getting ready for an open house
Whether you sell on your own or work with an agent, you’ll want to spruce up your house before it goes on the market.
Take an objective look at it: Is it cluttered? A little worn and tired? Consider a new paint job. Tidy up. Move unneeded furniture into the attic, basement or rented storage. Remove some of your personal items, like family pictures and knickknacks. Mow the lawn. Plant flowers, if it’s the right season. These seemingly insignificant details can add many thousands of dollars to your eventual sales price.
If you’re no good at this kind of thing, consider hiring a home “stager,” someone with experience preparing homes for showings. Their fees can be more than offset by quicker sales and higher selling prices.
Speaking of which, you’ll need to settle on an asking price. In doing so, forget what you originally paid for the house, how much you’ve spent on renovations or remodeling, and even how much money you need to move on to your next home. When it comes to pricing your property, the only yardstick that matters is what comparable homes are selling for in your neighborhood now — which may be more, or less, than you sank into it.
Your research will already have given you a good idea of how the market is faring. Your agent should also provide you with comparable sales and discuss why your house should be priced higher or lower.
Timing is the key
Also note how long the homes were on the market. If you’re in a seller’s market, with listings moving in a week or two, think about adding a premium to the asking price.
In a buyer’s market, it’s especially important to get the price right. The critical selling time is within the first month after your home hits the market. If the price is too high, you’ll turn off potential buyers and agents and then have a hard time attracting them back, even if you lower your sights later.
When you receive a bid via your agent ask for guidance in how to respond. This will depend on how you priced the house, what the housing market is in your area and your urgency to sell or wait for a better price.
Make sure your lawyer or agent reviews the contingency clauses included with the bid. For example, it’s generally not a good idea to agree to sell your home with the contingency that the buyer must first sell his or her own home.
Also make sure that all the buyer’s contingencies are restricted within specific amounts of time. For instance, if the deal is contingent upon the home passing an inspection, then the inspection must occur within a week to 10 days of an accepted bid. The same is true of the closing date: Make the buyer commit to a reasonable date, usually 45 to 60 days from acceptance.
Source: CNNMoney