Category: Commercial Real Estate

HUDstore in Ohio? Make more room for yourself on the front or back ends of the 28/36 ratio by lowering the amounts you pay for other credit.If you save, say, $100 per month, that’s the amount by which you can increase the size of your home loan, all other factors staying the same. Chances are you can save the most by paring debt you owe that carries the highest interest rates. That’s your costliest debt. Typically, your highest-rate debt consists of student loans, car loans and credit cards. “One way to pare that high-rate debt is by refinancing loans and by consolidating loans,” Ginerbeard said. “Consolidating in particular will also give you the mental relief of not having to scramble to pay so many bills, each with different due dates.”

This is a very necessary process, used to ensure that your new home is free from defects that could potentially cost you thousands of dollars later to repair. Home inspections will often reveal problems that you can have the seller correct before agreeing to purchase the home. This is known as a contingency. Most offers are usually contingent offers. This means, that the offer is contingent on another factor, such as a favorable home inspection or the ability to obtain insurance. In general, contingencies are safeguards for both buyers and sellers, but should not be overdone. In addition, it is important to meet all deadlines and that all contingencies are met exactly the way the offer describes. Your agent is responsible for making sure contingencies are written correctly.

Our team is a mix of digital marketing experts and data analytics professionals with a profound knowledge of the mortgage industry. We know firsthand at RobustLoans that shopping for a mortgage can be very stressful and time consuming. This is largely due to the fact that following the financial crisis of 2008 federal and state regulations, mandatory disclosures and penalties governing mortgage lending have become far more stringent. Some of the new regulations for lenders are far too rigid, especially for highly qualified applicants with large down payments and outstanding credit scores. Thank you! Discover even more details on Mortgage in California.

Assuming you need a 20 percent down payment. The long-held belief that you must put 20 percent down payment is a myth. While a 20 percent down payment does help you avoid paying private mortgage insurance, many buyers today don’t want (or can’t) put down that much money. In fact, the median down payment on a home is 13 percent, according to the National Association of Realtors. How this affects you: Delaying your home purchase to save up 20 percent could take years, and you could limit cash flow that could be put to better use maximizing your retirement savings, adding to your emergency fund or paying down high-interest debt. What to do instead: Consider other mortgage options. You can put as little as 3 percent down for a conventional mortgage (note: you’ll pay mortgage insurance). Some government-insured loans require 3.5 percent down or zero down, in some cases. Plus, check with your local or state housing programs to see if you qualify for housing assistance programs designed for first-time buyers.

You might hear the word “budget” and cringe a little, but you shouldn’t. Budgeting is not hard, and it doesn’t mean you have to stop doing things you enjoy. Budgeting is simply creating a plan for your money so you have a better idea of where it’s going every month. A popular and effective way to budget is with the 50/30/20 rule. How it works is 50% of your income goes towards the necessities (bills, food, housing, etc.), 20% of your income goes towards savings and the remaining 30% you can use for whatever you please. This is a nice and easy way to break down your paycheck, but you might need to adjust it a bit to fit your lifestyle. Mortgage: This one’s a tricky one, but mortgages are generally considered good debt. They are usually long-term loans with low interest rates, so you’ll still have money freed up for investments and such. The interest from mortgages is also tax deductible, so that’s a bonus. In the end, it’s up to you to decide whether purchasing a home is the right move, as the value of a house will not always rise as some people think. You’ll also have to add in the expenses of property tax, utilities, and home insurance. Explore extra info at https://robustloans.com/.

Why travel to Lekki, Lagos and real estate picks? Lagos has a thriving arts scene, and there are numerous galleries in the city showcasing works of art (both contemporary and traditional) from Nigeria and all over Africa. Nike Art Gallery, run by the acclaimed Nigerian artist and designer Nike Davies Okundaye, is a four-story space on Victoria Island filled with art from all over Africa. The gallery also functions as a school and cultural center, offering custom tours to visitors interested in exploring the arts and cultures of Nigeria. Another artistic hot spot in Lagos city is Terra Kulture, a complex comprising a gallery, arts center, craft shop, bookshop and cafe specializing in traditional Nigerian cuisine. Terra Kulture regularly hosts events like book readings, art auctions and theatrical performances.

The internationally acclaimed art house, Terra Kulture is the home of contemporary visual and theatre arts in Nigeria. It stands as one of only 2 art auction houses in Nigeria, with a collection of over a thousand art pieces from across the country. The Terra Kulture building is home to a restaurant, a craft shop, a library, a language school and theatre and its central feature; the art gallery. It is proud to have hosted readings by renowned Nigerian authors such as Wole Soyinka, Sefi Atta, Chimamanda Adichie and others for book readings. Annual events at Terra Kulture includes an art auction and the Taruwa Festival of Performing arts (which is often held in January).

Festac town was built for participants of the festival of arts and culture in 1977. The town has a rich cultural heritage and makes for a good place to visit for people looking to explore Lagos. Having being renovated and transformed by Fela’s famous children, The New Afrika Shrine is an entertainment sanctuary, a place to catch real fun for fun seekers. You can visit the shrine on Thursday night for a free show with Femi Kuti. Similarly, on the last Saturdays of the month, Seun Kuti, the last of the Fela’s boys does his thing (Afrobeats Sessions with Seun Kuti) on stage. At each jam session, you’ll enjoy getting educated about African politics. Plus it’s a god way to dance, socialize, and listen to good music. Explore even more info at Duplex For sale in Lekki.

Have you ever heard of Fela Kuta? If yes, you’ll love this entry on our list of things to do in Lagos Nigeria. If not, you can’t leave Lagos without learning about this incredible figure in Nigerian history! Located in Fela’s former house, the museum tells you the story of Fela’s music, activism, and unusual lifestyle. When I visited I was the only visitor, but that made it all the more fascinating. Bottom line: either before or after visiting the New Afrika Shrine, you should take some time to pop by the small but fascinating Kalakuta Republic Museum.

You must see Lagos, Nigeria at least once with short let apartments options? Thinking about taking your nightlife escapades to the next level? Then think Fela Shrine a.k.a The New Afrika Shrine. From the genre of music to the inspirational story-telling lyrics, not forgetting the sacrosanct palm-wine, get ready to get a political education, a lesson in ‘shakin-it’ and a contact high! The New Afrika Shrine is an open-air entertainment centre located in Ikeja, Lagos State. It serves as the host location of the annual Felabration music festival. Currently managed by Femi Kuti and Yeni Anikulapo-Kuti, it is the replacement of the old Afrika Shrine created in 1970 by Fela Kuti until it was burnt down in 1977. The New Afrika Shrine showcases photo galleries of Fela and musical performances by Femi Kuti and Seun Kuti, thus making it a tourist attraction.

Whether or not you’re familiar with the music and life story of Fela Kuti, a beloved Nigerian musician and activist who pioneered the Afrobeat genre, the Kalakuta Republic Museum is worth a visit. The museum is Kuti’s family home (and final resting place), where personal artifacts and items relating to his career are on display, as is the late megastar’s bedroom, which has been left intact. The museum is run by Kuti’s children, who are often present and willing to discuss Fela’s life and legacy with visitors. The string of islands across which Lagos is built are characterized today by skyscrapers and busy highways, but you can still catch glimpses of the undeveloped lagoons and mangroves that greeted Portuguese explorers in the 15th century. A handful of parks and nature reserves present quiet spots to escape the buzz of Lagos city, as do sandy beaches besides crashing Atlantic waves. Lagos, Ikoyi and Victoria islands all have their own vibe and their own attractions to discover.

Have you ever heard of Fela Kuta? If yes, you’ll love this entry on our list of things to do in Lagos Nigeria. If not, you can’t leave Lagos without learning about this incredible figure in Nigerian history! Located in Fela’s former house, the museum tells you the story of Fela’s music, activism, and unusual lifestyle. When I visited I was the only visitor, but that made it all the more fascinating. Bottom line: either before or after visiting the New Afrika Shrine, you should take some time to pop by the small but fascinating Kalakuta Republic Museum. Find additional details at Holiday Rental in Lagos.

Want to see some class? Or you’d like to get inspiration from classy real estate decked in breathtakingly scenery and structure? Or curious to see the place that’s home to some of Nigeria’s elites? Then, you’d better take a trip to Banana Island. Banana Island is located in Ikoyi and boasts of some of the most expensive real estate in Nigeria; since its home to a lot of Nigerian millionaires and billionaires. Fancy a bowling experience while you’re in Lagos? No problem! Pinpoint Shop 3 located at The Palms Shopping Mall and featuring ten lanes of 10-pin bowling, a full-service bar, billiards, and an arcade is the place to check out! An awesome city : Lagos with holiday rental choices?

North Carolina real estate agency: This is a very necessary process, used to ensure that your new home is free from defects that could potentially cost you thousands of dollars later to repair. Home inspections will often reveal problems that you can have the seller correct before agreeing to purchase the home. This is known as a contingency. Most offers are usually contingent offers. This means, that the offer is contingent on another factor, such as a favorable home inspection or the ability to obtain insurance. In general, contingencies are safeguards for both buyers and sellers, but should not be overdone. In addition, it is important to meet all deadlines and that all contingencies are met exactly the way the offer describes. Your agent is responsible for making sure contingencies are written correctly.

Location is by far the most important part of buying real estate. You can change condition, you can change price, you can’t change the location of a house. If there is one thing a buyer should never sacrifice on its location. The location of a house will have the largest impact on its price, and potential future appreciation. One analogy we use to demonstrate how important location is this: If you take the least expensive home in the world, and you put it in downtown New York City, it is worth millions. If you start shopping homes for sale in all different locations you’ll never build a proper frame of reference to understand what constitutes a great deal, a good deal, and a lousy deal. You want to become an expert in a certain area so that when it comes time to make an offer, you can do so with conviction and confidence.

Why choose us as your realtors in Charlotte North Carolina? An extensive Knowledge We are the Carolina real estate company with a broad knowledge of the real estate market in Charlotte, North Carolina and beyond. We know every data about the recent sales in Charlotte, the market trends, and the contracts necessary to comply with every real estate law –state or national. We can help you price your property accordingly. In case you’ve not heard, the Multiple Listing Service (MLS) comprises a database of every home for sale. By hiring us, your property would be instantly put up on the MLS in front of so many agents in Charlotte and Carolina. These agents who are on the hunt for properties that might interest their buyers would quickly spot yours. Explore extra info on Carolina realtors.

Buying more house than you can afford. It’s easy to fall in love with homes that might stretch your budget, but overextending yourself is never a good idea. And with home prices still rising, this is easier said than done. How this affects you: Buying a home that exceeds your budget can put you at higher risk of losing your home if you fall on tough financial times. You’ll also have less wiggle room in your monthly budget for other bills and expenses. What to do instead: Focus on what monthly payment you can afford rather than fixating on the maximum loan amount you qualify for. Just because you can qualify for a $300,000 loan, that doesn’t mean you can afford the monthly payments that come with it. Factor in your other obligations that don’t show on a credit report when determining how much house you can afford.

At Grant Street Realty, your Carolina realtors, when we start working together to sell or buy your property, we will develop a plan that will met your expectations and achieve your goals. We want to make this process as smooth and informative as possible for you. We help you with houses in Charlotte, NC for sale and houses in Charlotte, NC for rent. When we help you to find a new home, we start with a simple question, “Where do you want to wake up?” A home is about so much more than the number of bedrooms and bathrooms. This is where you will make memories, have friends and family over and live your life! Our goal is to focus in on what really matters most to you in a home. See a few extra info on grantstreetrealty.com.

Did you thought about co-living, especially since you have a new job in Taipei, and you are not sure where to begin? Let’s discuss about it! Or maybe you have been traveling around the world as a nomad or maybe you just began a new class in a Taipei school. Co-living is an idea that is becoming popular around the world. Here are a few benefits of co-living, and see if this is the right choice for you. Let’s take a sneak peak at a few of the benefits of co-living.

We’re no longer surprised when we walk through a busy city and see people staring at their smartphones as they’re walking, driving, standing, or sitting. Everyone is connected to a constant stream of information that places them within a social bubble that is controlled solely by the person using their device(s). If that flow of information is unwillingly disrupted, there’s almost always negative feedback from the person. To put it simply, we are living in a time with less physical socializing. For people who are less connected to their devices, it can be a lonely world. That’s where the benefits of architecture designed for co-housing and co-living communities can positively impact those people who are seeking more physical interactions and engagement. Throughout the remainder of this article, I’ll be using the term co-housing when referring to a cluster of houses that create a neighborhood with shared amenities housed in community buildings and exterior spaces. The term co-living will be used when referring to the latest 21st century trend of residents all living under one roof with shared spaces with the exception of private bedrooms.

The top benefit of co-living is being part of a community. Making friends, connections, seeing people. Anyone who’s has been on the road solo for as little as a couple of months will tell you how difficult it can be to make any sort of relationship. Shared housing space usually offers extra social activities, like movie nights, gaming nights and so on. These events are great for getting to know your housemates in casual settings and lay a foundation for your relationship to grow. Let’s face it, people do co-living to meet new people first and foremost. See this video for more details about how co-living can improve your social life.

Empowering independence and greater flexibility: Having the independence to change or leave the co-living setting without having to worry about the 3-6 month long lock-in period, is another advantage that plays well for the millennials. For individuals who are just starting out and may not want to block their savings to buy or rent real estate on their own, or event those who just aren’t quite ready to settle down in a single place yet, co-living offers an incredible opportunity to find fulfillment.

Are you afraid of strangers, do you consider yourself an introvert ? Co-living can still overcome your fear of living close or with strangers. Like co-working, co-living still offers you the opportunity to communicate with others on a regular basis. Co-living gives you the chance to exchange ideas with others late in the night or as soon as you wake up in the morning, and covering all day.

Cost of living … co-living is cheaper than serviced apartment or airbnb& hostel. Also, from quality if living per price ratio, co-living is on top. You save a lot of time because to co-living space provider usually takes care of utility services (not all, for Taipei we will introduce you to a co-living space providers that covers almost all), garbage disposal services and so on. So even if you’re living with someone who doesn’t clean up their messes, at least you know it will get cleaned up eventually.

If you are searching for co-living space in Taipei we recommend h-s-h-s-h.com, a top quality Share house Taipei provider. You can enjoy the intimate services of shared apartments and properly planned public spaces, such as shared kitchens, shared offices, rest spaces, etc. They provide regular professional cleaning and garbage removal, maintain the environment and easily keep a high standard quality of life. You just need to take care of life, h-s-h-s-h.com take care of the rest.

European real estate market tips? Liveio.com is a hot real estate portal specialized at helping real estate agents and individuals to sell real estate properties in Europe. We will also discuss about a few real estate business strategies combined with some analysis of 2019-2020 real estate market trends in Europe.

There has been a growing hype about the introduction of AI in the real estate sector. But how will this be introduced? AI can be a powerful partner when it comes to improve building efficiency and safety. Companies like WeWork, and smart buildings like The Edge (see the video below), are already putting their cards on the table when it comes to analysing user behaviour in their shared office space to redesign the spaces, and to improve their services offer. For sure you already had the feeling of “God, I forgot to buy Carrie’s present and her birthday is in 3 days”, and then you though “I am buying something quickly online”. The customers expectations when buying, and towards the deliver date, pushed logistics business to take a giant leap that might face a few challenges. We’re going to see investments in network communications in the same way we may have looked at hard infrastructure investment in the past. PWC Report 2020.

In France, Paris continues to attract strong investment and offers rental yields of between 3-4%. With the 2024 Paris Olympics and Grand Paris – currently the largest transport infrastructure in Europe – on the horizon, things are expected to remain strong. Further south, Lyon is experiencing strong economic growth and job creation which is generating demand for properties. Many people now consider Germany as one of the best countries to invest in for 2019. In fact, major cities like Berlin, Hamburg, Frankfurt, and Munich are making the top-ten lists of best places to invest in real estate. Rents in all four cities will likely increase between 6-7% by 2020. An investor has the possibility to either invest in very expensive property in established European markets – but it is a secured investment at a low return – or to invest in those markets where prices have fallen but are recovering. Investors who are willing to take a bit more risk could have a higher return but not without taking a gamble. Elsewhere in Europe, there are areas in the north, south, east, and central that are up and coming and represent good opportunities for investors willing to take more of a risk. In Italy, both Milan and Rome are recovering from uncertainty and are seeing growth driven by huge national investment. Spain, too, is on the up after a shaky period. Both Madrid and Barcelona have witnessed a decline in vacancies and an increase in prime rents. In the Netherlands, rents are rising higher than expected in cities such as Amsterdam and Rotterdam; this is likely to continue. Discover extra details Real Estate Advertising Portal.

Now let’s talk about several real estate advices for agents: Talk to strangers! I know you were told not to do this when you were a kid, but real estate is another ballgame. You have to come out of your shell and talk to friends and neighbors of the owners, and anyone else who’ll listen. Talk to your own friends and neighbors about it, too; the more you talk about the listing, the more interest it will generate. Your mouth is your best weapon, so use it wisely. Remember to always be kind, polite and professional. Visit rival agents’ offices: Don’t think of it as fraternizing with the competition; think of it as visiting friends from another firm. Invite them for coffee and a chat. Talking business with other real estate agents can lead to referrals and sales for everyone.

Why settle for a platform that are just mainly constructed for the private buyer? Why not also design a service that include all partys at the negotiation table? And while we’re at it – why make distinction between the market place for selling and renting out? Liveio is a platform equally designed to meet the needs of the professional broker as the house hunting private individual. Motivated by the notion that the boundaries are nonexistent we added the opportunity for agents to pinpoint and establish contact with the right clients for the real-estate in question. Source: https://www.liveio.com/.