Category Archives: Property and Real Estate

Choosing the Right Movers and Packers Service

Moving house might be experienced by everyone at some time. This condition can also be experienced at this time, if you experience it now, then be prepared to face a tiring, depressed, and consuming a lot of productive time. There are some important things when moving house, they are unpacking, packing, and delivering. These three variables will become very complicated problems if you do it yourself, but through the movers and packers company in maintenance services in dubai everything will be simpler.

Actually, movers and packers are services that help every homeowner in the process of moving and packaging. This service will help to unload all household items, package them, and send them. You do not need to arrange a vehicle for transporting goods to a new destination, and you also do not need to disassemble and place it in a new home. All the work is handled; professionals have operational standards to do this work until the client feels satisfied. Don’t let complicated problems get more complicated; let experts turn complexity into fun work.

There are many maintenance companies that provide movers and packers services, you can find the best on the internet. But finding the right company, economical, reliable and truly professional is also a big job. Moreover, the situation forces you to immediately move house. This might increase the burden on your mind, right? Well, the following tips and guidelines will help you to find a maintenance service company that is moving right for your house moving.

First of all maybe you can make a list of maintenance service companies. Ask your friends, relatives, colleagues, coworkers and neighbors to help you make a list of companies. You can also make a list with an internet search or click on maintenance services in dubai to narrow the search and time effectiveness.

The cost of movers and packers service depends on a number of things such as the size and number of household items, distance, etc. Well, you can use the company’s sites to get an estimated cost, this service is usually free. Get estimates from at least three or four movers and packers services. Let the maintenance company agent do the estimation directly to your home. In essence, the agent must come to your house and check all household items one by one. The biggest mistake of homeowners is that they often contact the company by telephone; this is clearly the wrong way because the estimation results are definitely not accurate. Compare some of the estimates that are already in your hand, don’t forget to look at the quality of service and maybe discounts.

As a prospective client, you have the right to ask various things about movers and packers service to the provider company. Besides estimation, other important things that need to be asked, such as experience of companies in the field of movers and packers, company licenses, company registration, and even discounts that you will get. Don’t forget to ask about security and damage guarantees to your household items. Remember, a good company will be happy to tell you anything even if in the end you decide not to use the service.

Home Healthy – How To Make it?

Most people believe that the healthiest place in their city is their home. Yes, that is not necessarily true. Research shows that the air circulating in your home is not clean from harmful germs and viruses. The air you breathe in your home may contain dust and toxins which increase the risk of causing respiratory problems such as Asthma.

Most Homes use heating and cooling systems for different seasons of the year to achieve the desirable level of comfort. And we know comfort comes at a price, huge energy bills. And in order to bring down the energy consumption, most people normally keep their rooms air-tight. It certainly helps in reducing the bill but what it deprives you of is fresher air. We go to a lot of places like Malls, hospitals or public places wearing shoes and sandals.

Your footwear comes in contact with minute dust particles that carry harmful bacteria which are a potential threat to your health. The risk would be breathing issues. And if you enter your home with these on, then you are inviting problems. So it is important to leave your footwears outside your home.

Normally we apply dry cleaning on our garments and take them back soon. But here there is something that has to be noted. In the dry cleaning process, these clothes are soaked in strong chemicals which are very harmful. It is learnt that some of these chemicals contribute to neurological damage and cancer risks.

These chemicals come in contact with our bodies during breathing or might be transmitted onto our skin. Therefore it is very important to make sure that the garments are dry before taking them home. Also it is considered wise to use advanced, non-toxic, ecological dry cleaning techniques to safeguard ourselves.

Most importantly, proper ventilation is a must. It is essential to have fresh air circulating in your home. Keep the windows of your home all day and night, will result in you breathing stale air all the time. Smoke & fumes from the kitchen and steam from your shower will find a place inside your home, like on the wall causing molds to form. If you breathe them in, then you are sure to get sick.

Therefore, allow circulation to take place in & out of your house by keeping the windows open & allow these harmful elements to escape. Thus by keeping your home clean and fresh, you are keeping yourself healthy.

Property and Real Estate Investments – Financial Aspects

Property and real estate are not considered investment instruments that are truly liquid because individual or real estate properties cannot be exchanged. Therefore identifying the land or real estate where you invest can take quite a lot of time and effort and depends a lot on how familiar investors are with certain market segments that suit their interests. Real estate or land investors often use various valuation methods to make their lives a little easier, through price comparisons. Sources of information relating to prices can include: public auctions, private sales, public agents, market listings or real estate agents.

Real estate or land assets are much more expensive than bonds or stocks. Therefore investors most often avail themselves of a mortgage loan that can be collateralized by the land or real estate itself. Accordingly we usually use the terms *equity* or *leverage* with reference to the money paid by the investor as opposed to the amount lent by the bank. Their ratio is called Loan-to-Value (LTV) which is considered to represent the risk taken by the investor. Most banks regard 20% of the appraised value as a minimum equity requirement. Quite a number of pension funds and REITs, or Real Estate Investment Trusts, regularly purchase land or real estate with *zero* leverage thereby minimizing their risks, but capping their Return-On-Investment (ROI) as well.

If the purchase of the land or real estate is leveraged, the necessary monthly installments or “carry costs” might create a negative cash flow for the investor right away after purchase. In addition to possible positive cash flow elements such as those generated by depreciation, equity buildup and capital appreciation, investors might also partially or entirely offset the “carry costs” by means of the so-called Net Operating Income, or NOI. This technical term typically means *rents less expenses* and in countries other than the US it is often referred to as Net Cash Flow. The ratio *NOI/purchase price* is called the Capitalization Rate. It indirectly indicates in how many years the property or real estate will pay for itself in an interest-free financial environment.


About Hard Money Lenders

Many novice investors are curious about hard money lenders. There are many questions that arise like Who are they? What is that? How do I get it? Was this helpful? Let me share with you some basic principles about hard money lenders. First, let’s determine what the term “hard money” means. When money is discussed between investors, it is considered “soft” or “hard”.

Usually soft money is easier to qualify for and flexible requirements. Hard money, on the other hand, is just the opposite. That’s much tighter. Not that it’s more difficult to get, but the requirements are very specific and far more stringent. They must, because most of the hard money comes from private individuals with lots of money in hand. This is why hard money is also referred to as “personal money”. The money is used for investment purposes coming from people, just like you and me, not a typical lending institution. So their first priority is protecting their investment capital.

It is a good idea to know what the requirements are when dealing with hard money lending so you can find one that suits your needs. Usually they will only lend you up to 70% of the value of a decent home in repaired conditions. So if you find a house worth $ 45,000 in such conditions, and need $ 20,000 in repair work, and after repairing the current fair market value is worth $ 100,000, then they can usually lend you up to $ 70,000.

Another thing you will encounter is high interest rates. Interest rates vary from 12% – 20% every year and the period can last for 6 months to several years. This rate varies depending on your credit score and experience. In most cases, there will be closing costs or fees for using hard money. Hard money lenders will usually charge from 2-10 points. One point is equal to one percent of the mortgage amount. So charging 1 point with a $ 100,000 loan is $ 1000. These are all important things to consider when choosing a hard money lender.

Many hard money lenders today will also ask you to fill out credit applications that may require you a tax return, the latest payment deductions, and bank statements. Once again, it’s all about protecting their assets. However, some like the old fashion way where they only care about the deal so they drive or see the property physically.

Dealing in Property and Real Estate – How To Get It?

Dealing with property or real estate is one of the most important decisions in your life. For many people, this may be a lifelong decision when they want to have a new home for their family. Therefore it is important for you to keep your every step safe when you are dealing with any real estate or property.

In times of financial crisis, it is very important for everyone to keep themselves on the safe side before they plan to invest in property. There are many things you must remember before proceeding further.

• First of all it is very important for you that you look and examine the property carefully before buying it out. You should never pay any money before visiting the property you are purchasing. You should know what you are getting and what it is worth for.

• Then you should get an idea about the cost of the property. Different real estate properties are available at different rates which mainly depend on various factors. The location is one of the most important factors which decide the value of any property. You should get the idea about it.

• Many of the sellers may increase the cost of the property simply because it’s an old one. But the old property does not necessarily mean that it is right for you and you should look carefully about the advantage of getting it at the right price.

• Then it is ms for you that you hire a professional and expert in the field. It is important that you do all the necessary paper work and other legal work after consulting a real estate agent. With their help you will reduce the chances of being scammed and you can get the best deal you are looking for.


Finance for Property

There are many conditions where you have to look for property finance quickly. This might be your first home purchase or investment property, or maybe you have found unique opportunities to expand your portfolio, but you must act quickly. Although there are many major lenders who can provide property financing, in many cases the approval time is long and the opportunity to make a purchase may be lost when the finances are agreed.

I will make two alternative suggestions for you to get property financing fast. In general, this advanced option of fast property financing is more suitable for experienced property investors who have additional securities and have bought and sold property in the past.

Choosing Boutique Lenders – A boutique lender is the right choice for getting fast property financing. Boutique lenders are generally flexible enough to tailor solutions to your exact needs and they have a very quick turnaround time to start your project. Because you deal with lenders directly, rather than through a broker, you will have direct access to ask questions and you will cut additional administration. Finding a good boutique lender can be a challenge, so it’s best to ask your coworkers and mentors to recommend someone. It also pays off to choose boutique lenders who have extensive experience in development funding and who know your area well.

Short-term Funding or Bridging Finance – Short-term funding may be a good choice for getting fast property financing. In such circumstances, your short-term finances will act like a temporary loan, allowing you to get funds quickly and take advantage of the opportunities that exist. You can then refinance with the main lender later, when time is no longer an urgent issue. Short-term financing options are usually offered by boutique lenders that are flexible and can provide quick turnaround. The amount usually ranges from $ 10,000 to $ 2 million.

How to Buy Luxury Real Estate

Like buying a house in general, there are a number of things to think about and consider before putting money on luxury property. Luxury real estate is usually a house or property that is in the upper class and outside the other average options available in the market.

Some luxury properties may come with very large houses, lots of land around it, indoor or outdoor swimming pools, or access to private land on the beach or other open areas. Whatever your plans for this space, you will certainly have enough room to grow, roam, and live in person.

If you see a luxury property in a certain location, see if there are foreclosures in the vicinity. The downturn in the housing market has hit many people, and you might find foreclosed homes that will be a better deal than other luxury real estate properties.

Doing research on the local housing market that you want to buy property for is a good way to determine what is the best you can get from real estate. High levels of foreclosure in some locations can depress the value of nearby home properties, so make sure you need to sell luxury properties or maintain them.

Another tip before buying is to ensure profitable interest rates. Usually a good interest rate is below 4.2% depending on where you live and the state of the local housing market.

If you are considering buying a large plot of land and building your own customized luxury home, look at real estate outside the main metropolitan area and consult with an architect who knows the estimated details of construction costs. Building on the boundaries of major metropolitan areas may seem like a good idea, but building away from cities will give you greater freedom to build your dream home in addition to being cheaper.

Luxury property and real estate can be exaggerated in advertisements and real estate agent descriptions, so be sure to see for yourself whether the property that you think you really buy is what you want.