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Rumah Dijual – Trying to Sell Your Home in a Down Market

February 4, 2009 by  
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Rumah dijual – Like everywhere else in the world the housing market in Indianapolis has tanked, leaving way too many homes about to be owned by the city and left vacant. It is no secret that the economy is having trouble. Layoffs are happening everywhere and if you have been trying to sell your home you are probably starting to tear your hair out. Here are some things to consider if you want to sell your home quickly and to get as much as you can for it:

1. Do all of your repairs and renovations before you put your home on the market. Newly repaired and renovated homes have higher asking prices than those homes that leave repairs and renovations for the new owners. What’s more, a newly repaired and renovated home will look better which will make it more enticing to buyers.

2. Be ready to move out as soon as you get an offer. Put anything not immediately necessary into storage and live as simply as you possibly can. This way you will be able to sell your home to someone who might need to move in very quickly. Being able to turn the house over quickly will also make realtors happier to work with you and will raise the incentive for them to get your house sold quickly.

3. Keep your house and yard as clean and well kept as possible. If your yard and home are messy when people come to view it, you are less likely to sell the home in a timely fashion. You want things clean and neat so that prospective buyers have an easier time envisioning their own things in the space. If your home and yard are cluttered they won’t be able to clearly picture the space that you are offering and will be less inclined to make an offer on your home.

4. Consider renting. While the Indianapolis housing market is taking a nose dive, more and more people are being forced to find rentals. Consider renting out your home in the short term. You can hire a property management company to take care of finding a tenant for you and doing all of the repairs. Of course, hiring a property management company cuts down on the amount you’ll receive in rent each month but as long as you have your home insurance and mortgage payments covered you should stay afloat.

5. Reconsider moving. Indianapolis is a great place, why are you selling your home? We can understand moving to a different neighborhood within the Indianapolis city limits, but do you have to leave town? Perhaps you can find better employment or your family can join you here! Staying put would certainly be a lot easier to deal with than putting your house on the market, finding a buyer and finding a new place to live.

Indianapolis is a great place, but like everywhere else is having a hard time keeping everyone housed. Good luck with your sale!

How to Rent an Apartment Without a Job

February 2, 2009 by  
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Apartment rental demand is up, notably because of the foreclosure epidemic that is sweeping the country. It is true that on the same token home values are dipping and this means that it has never been a better time to buy. Nevertheless, apartment managers are reporting record applications because more and more people are who previously had homes now want to rent first before they can buy. Then there is the economy. While the number of jobless claims have declined somewhat according to the US Department of Labor, the rate of unemployment continues to be a problem and many families are finding that they are faced with both a foreclosure and joblessness at the same time. How can one rent an apartment when they have no job and therefore no certifiable income?

Ask to speak to the manager

When searching for an apartment and you have extenuating circumstances, always speak with the manager directly. This puts your issue in front of someone who can do something about it rather than a front desk operative who can be prejudiced against you because of your income deficiency. Inform the manager than you have been previously employed and that you have resumes out and have interviews lines up.

Show other assets

If you have recently sold your home then you may have some money in the bank that is equivalent to three months in rent. There are however those that have not recently sold their home simply because they didn’t have one. If you are just in between jobs and do not have three months worth of assets in an account then use your 401(k) if you have one. Other assets may include money market accounts, stocks, CDs, investments and other tangible sellable assets.

Get a cosigner

If you do not have a job and do not have any money then you might want to get someone to cosign for you. This can be anyone as long as they have verifiable income, good rental history and a reasonable credit rating. Cosigners can be a great way to be approved for an apartment if you are not currently employed.

Look for sublets

Regular apartments will more or less conduct job history checks and income verification on all potential tenants and the criteria for approval is usually 3 times the amount of rent. That simply means your income must be three times the amount of the rent otherwise you may either need a cosigner or you may need to look for a cheaper apartment. There are however, ways of getting an apartment that does not conduct these checks and this is by looking for sublets. A sublet is an apartment that is under someone else’s lease but the person now leases to you or lets you assume responsibility for paying rent. In many of these cases a credit check or an income verification check is never conducted.

How to Find Cheap Home Insurance Online

January 22, 2009 by  
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You’ve probably already heard that home insurance is
cheaper when bought online. However, why is this and how can you find
these cheaper deals?

Home insurance is cheaper online
predominantly because it cuts out the overheads for the providers.
Effectively you do the work for them – you seek them out online, you
arrange the policy. There is no need for a call centre and staff and
some providers even give you the chance to manage your policy online so
you can make adjustments as and when appropriate.

If you have
already signed up for a home insurance deal online however, don’t
assume that the policy will continue to be the cheapest available over
several years. In fact, home insurers offer their most competitive
rates to new customers in an effort to attract new business and
generally increase premiums year-on-year as part of existing customers’
renewals.

Many policies come with automatic online discounts
available through each provider’s own website. However, that doesn’t
mean that you need to approach the insurer directly to capitalise on
these deals.

A more comprehensive approach to the online home
insurance market is to use an online broker or a comparison website.
Brokers compare offers from a range of insurers that they have deals
with – you get the best price from the deals they have available in
return for effectively paying a commission fee.

Comparison
websites by contrast, are effectively ‘full search’ providers. They
include prices from direct insurers and brokers – and their prices are
generally the same as approaching insurers directly. This is because
comparison websites make money by linking to the insurers in their
listings – therefore the insurer itself is paying the extra cash and
not the consumer. As such using one of these websites is usually the
most cost-effective way to get the deal you want.

Finally Get Approved For a Home Mortgage

January 19, 2009 by  
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In our current economic mess, people all over the country are finding it very difficult to get home mortgages! Why is this? Well, after Fannie Mae and Freddie Mac went under, most banks suddenly tightened up their lending practices. When they did that, ordinary people like you and me suddenly started to get turned down for mortgages. Why is this? Well, let me ask you a question. Do you have a perfect credit score? If you don’t have a perfect credit score in today’s market, you will most likely find it nearly impossible to get a home loan. This is a real shame too, especially since interest rates are at an all time low!

What if you could easily raise your credit score? What would this do for you? I can guarantee that you would find it much easier to get approved for that home mortgage! I have great news for you! Raising your credit score can be an easy process as long as you know how to do it. A couple of tips I can give would include paying off your credit card balances every month, and making sure that your score is not checked too. (Did you know that your score is lowered every time someone pulls up your credit to look at it?) If you would like to know more about how to raise your credit, check out my informational site below. This site tells you all the insider secrets of how to dramatically raise your credit score.

Tips Membeli Rumah Bagi Pasangan Muda

January 19, 2009 by  
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Saat ini banyak sekali paangan suami-istri muda yang ingin mempunyai rumah sendiri untuk ditinggali bersama keluarga barunya. Mereka tak mau lagi serumah bersama orang tua dari kedua belah pihak pasangan, mereka beralasan ingin hidup mandiri dan ingin membangun keluarganya sendiri. Tapi biasanya pasangan muda seperti itu belum memiliki ekonomi yang kuat dan mapan, mereka biasanya berpenghasilan kecil. Sehingga untuk membeli rumah sendiri adalah suatu hal yang sangat berat untuk mereka.

Berikut ini ada beberapa tips yang mungkin berguna bagi pasangan muda yang ingin membeli rumah:

  1. Menghitung kemampuan financial
    1. Menghitung credit power atau kemampuan mencicil angsuran rumah. Dalam hal ini jumlah penghasilan perbulan dari kedua pasangan sangat berpengaruh. Tak perduli rumah baru atau second yang ingin dibeli oleh pasangan ini, biasanya rumah akan dibayar melalui cicilan atau credit.
    1. Menghitung kemampuan membeli rumah. Misalkan ingin membeli rumah melalui bantuan BANK biasanya hanya membantu 80% dari harga rumah. Sehingga 20% dana harus dicari sendiri.
  1. Menentukan rumah yang cocok untuk pasangan muda
    1. Rumah baru, rumah ini secara umum didapatkan dari developer. Menghitung dana yang dibutuhkan untuk mendapatkan rumah ini sangat mudah karena harga yg dipatok sang developer sudah jelas.
    1. Rumah second, jika anda memilih untuk membeli rumah second sebenarnya pilihan ini sangat tepat karena anda bisa mendapatkan harga miring untuk mendapatkan rumah ini. Sangat cocok untuk pasangan muda dengan kemampuan financial yang rendah. Dan biasanya rumah ini telah siap untuk ditempati.

Saran:

  • Sebaiknya jangka waktu cicilan kurang dari 15 tahun, jika jangka waktu melebihi itu maka hal itu akan memberatkan kreditor
  • Cobalah untuk mencari rumah melalui internet, missal dengan memasukkan keywords “rumah dijual” atau “jual rumah” pada search engine.
  • Pilihlah rumah dengan kapasitas yang kecil namun memiliki fasilitas yang lengkap, pasangan muda bisanya belum membutuhkan rumah yang terlalu besar untuk keluarga barunya.
  • Pilihlah lokasi rumah yang dekat dengan tempat kerja sehingga mempermudah akses untuk menuju tempat kerja.

12 Way to Buying a House

January 18, 2009 by  
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For superior results, learn what to expect from your real estate agent before buying a house.

You’ve probably heard home buyers routinely complain how their agent didn’t do enough while they were buying a house. In truth, most buyers don’t know what to look for from a real estate professional in order to receive the best results.

With proper homework while shopping for a Realtor, you can be assured you’ve located someone who will watch out for your best interests. She is there to help you make better home buying decisions. So here are some ways your real estate agent can help in the decision buying process and questions you can ask to signal when you want her assistance.

1- A case in point, once you have toured several properties, ask your Realtor to help you rank your choices. An experienced agent can guide you to clarify your prospects and narrow down the field.

2- Additionally your Realtor can assist you regarding finances. Buying a house usually requires financing. Since agents work with lenders on a daily basis, they can be your shortcut to finding dependable home loan representatives. They know the ones with a successful track history of closing loans without fire drills. Based on your particular needs, request at least two referrals of mortgage bankers.

3- Accordingly use your agent to discuss your concerns. When it is time to make decisions it is often good to have an objective opinion. Your agent can assist you in buying a house by pointing out trade-offs and how to set priorities.

4- From the start explain what your housing desires are so your agent can easily point out neighborhoods, communities, and developments that seem right for you. Good real estate agents are out visiting properties to stay current. So be sure and indicate that you welcome input.

5- Everybody understands buying a house is an emotional decision but it is important to know the facts too. Your agent has access to recent comparable sales, how long property has been on the market, and details regarding the area. It would be a shame not to take advantage of her expertise.

6- Along these same lines, if you work with an agent closely she can alert you to property that just came on the market or perhaps is about to be listed. Leave no question in the mind of your Realtor that you intend to work only with her. Your loyalty will be rewarded.

7- Real estate professionals are also well versed in Seller Disclosure Statements and can help you wade through this detailed disclosure provided by sellers. This form is designed to reveal any defects regarding the desirability of the home and neighborhood. Your agent sees these disclosures routinely so be sure to request assistance.

8- Because real estate agents see so many houses they can also be sources of advice regarding redecorating, renovating, or remodeling a particular home. We all have a tendency to spend money on upgrades that might provide little or no return. Look at the property through the eyes of your Realtor to plan for value added improvements to the home.

9- The best agents are adept at following the process of buying a house from your first meeting to the final close. You should expect your transaction to be followed from beginning to end.

10- From the initial process of buying a house to signing final documents, you will have many experiences. Your real estate agent is comfortable with the roles of the seller’s agent, lender, appraiser, escrow officer and homeowner insurance agent. Realtors are trained and equipped to work through each step of this process.

11- In my opinion, here is what makes your agent worth her weight in gold. Because of seeing hundreds of real estate transactions a year, she is better able to anticipate problems ahead of time. Diligent agents know how to trouble shoot issues before they get out control. This is probably the most important service your agent can provide and the least obvious. So be thankful for a successful close to the transaction. It’s outstanding proof of your agent’s performance.

12- Finally be sure and ask your real estate agent from the start to keep you fully informed concerning the state of your purchase. This is second nature for most Realtors. But it is okay to signal that you want to be kept in the loop at all times.

If you know what to expect from your real estate agent it should be easy to send the right signals and benefit from her expertise while buying a house.

Tips On How To Sell Your Own House

January 18, 2009 by  
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Although it is certainly possible to successfully sell your home without an agent, keep in mind that it generally requires a great deal of dedication, extra effort, and some good, old-fashioned know-how.

Okay, so how to sell your own house – for starters, you will need to determine the value of your home by researching other homes sold in your neighborhood over the past six months including ones currently on the market. This can be done by checking with your local city hall or following flyers, newspaper advertisements, or books that list homes for sale. Records with the National Association of Realtors show that about 33% of people selling their own home say they would never do it again. The main reasons include challenges with setting the asking price, liability concerns, marketing/advertising handicaps, and time invested. However, by being prepared, you can not just sell your own home but sell it for more than you expected.

After setting the price, you want to advertise so buyers know your home is now on the market. Place a “For Sale by Owner” sign in your yard, take out local newspaper space, and even post a sign at the local grocery store. Before long, you will get calls but remember that the majority will only be inquiries and not from serious buyers. Therefore, be patient and diligent.

The first and probably most important thing you need to do is ensure your property is ready for sale. If everything is not in perfect condition, then serious buyers will not take the bait. This means you have curb appeal, nice plants in the yard, green grass, and the house is painted, etc. For the inside, the flooring needs to be in great shape, walls painted, countertops cleared of unsightly belongings, and so on. Presentation is the key to attracting buyers so be sure you are prepared before the sign goes up in the yard. First impressions count so make sure that your home makes a positive statement. In fact, try to look at your home through the eyes of a buyer and make appropriate changes.

The price is critical as well. Pricing your home appropriately is serious business. This will be based on current market value and not what you think the house is worth. The key here is to detach your emotions, although sometimes hard. Be sure to budget your selling costs and then prepare a list of your net proceeds so you have a good estimate as to the money needed out of the sale. Then, there is the factor of legal documentation.

Another tip for how to sell your own house involves understanding the various forms of legal documentation to include the contract, which you are responsible for assembling, completing, and most importantly, understanding. Other documents needed might include mortgage payoff, loan application, deposit received, buyer’s cost sheet, property fact sheet, personal property, closing and settlement fees, property survey, exclusion list, seller’s statement and/or plot plan of representation, and appraisal.

Finally, be sure to use effective marketing and stay optimistic. For the marketing, once the price has been set, make sure your marketing and advertising is strong, telling potential buyers in an effective manner why your house is better than any other house. Then, as potential buyers look at your home you will need to be there since you are the “selling agent.” However, it is important that while showing the home, you also provide buyers the opportunity to look around without you hanging over their shoulders. Whenever possible, take the time to point out positive characteristics about the house. Above all, be positive and soon, you will have a contract on the table.

When is the Right Time to Buy a Property?

January 17, 2009 by  
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In the current climate, one of the questions we are often asked is when will be the right time to think about buying. The answer is right now, if possible, but let’s expand on that a little further.

One of the main concerns of those looking to buy a property is what might happen to house prices. Let’s face it; nobody wants to invest in such an expensive asset if it is going to continue to lose value. With the media full of reports of double figure falls in values, and estimates of further significant reductions throughout 2009 it would be very easy to conclude that it would be better to wait until values have reached rock bottom.

However, the media hype and doom-mongers hide the reality of the situation, as they ignore activity in their calculations. There is no doubt that the average fall in value of houses sold in the last year has been between 10% and 15%, but because the total number of sales has only been a tiny fraction of what can be considered normal market activity, it is questionable as to whether this is a true indication of the fall in property value. There are those who will argue that the true value of a property is what any individual is prepared to pay for it at any given time, but this is only case if there is a seller prepared to sell at that price. Conversely, those who say the value of a house is what the individual owner is prepared to sell it for are also mistaken, unless there is a buyer prepared to buy at that price. When buyers and sellers have widely different opinions of the value of a property, sales fail, and there is, in fact, no market.

To a large extent, that is the situation we are faced with currently. There are plenty of properties on the market, but the majority of sales are limited to those who have to sell, whether as a result of repossession, relocation or family upset. Those who are in the position of wanting to sell, as opposed to having to sell, are still tending to price their properties at a level where buyers believe them to be expensive. This begs the question as to how long it will be before sellers become more realistic, and I would suggest that the most likely answer is that they will not. The majority of sellers continue to be employed, and in many cases are enjoying interest rates which are the lowest they have ever experienced. It therefore follows that if they can afford their mortgage, they will simply stay where they are rather than sell their property for less than they believe it to be worth, especially if in doing so they will eat into their equity or even go into negative equity.

Of course, there will always be those that are in a forced sale situation for whatever reason, and this is where the bargains are to be found. Currently one of the main sources of such properties are those placed on the market by mortgage lenders who have repossessed them, and a significant number are from buy to let landlords who were unable to keep up with their mortgage payments when interest rates went up last year. However, as the government becomes ever more strict with lenders concerning residential repossessions, and as rental incomes continue to increase whilst interest rates fall, this source of bargain property is likely to be restricted.

The lack of bargain property in the market is currently balanced by a corresponding lack of those who are actually able to buy a property. Whilst mortgage interest rates have fallen substantially, the best deals are generally available only to those who have very substantial deposits or equity, and that is not something which can be said to be a characteristic of a typical first time buyer. Whilst the price of an average house might well have fallen to £160,000, that still means that the absolute minimum deposit required will be £16,000, and it will currently cost an average rate of 6.5% for the next five years at that level. With a deposit of £24,000, the typical rate would drop to around 5.2%, but it would take a deposit of £40,000 or more to secure the market leading rates of around 4%.

Therefore, if we ignore the vast majority of property for sale, which buyers believe to be over-priced, the market consists of a small number of reasonably priced properties being competed for by a small number of buyers who have large enough deposits. It is our belief that whilst the current climate remains bleak, the supply of mortgage finance will increase before the supply of bargain properties does, and if that is the case, it can only lead to increased competition, and eventually, increased selling prices. On that basis, it must be better to buy now whilst you can pick and choose, and negotiate.

Of course, the opposing view is that the recession will deepen into a depression, and the ensuing availability of thousands of repossessed properties from those who lose their employment will force down prices even further. Whilst this is a possibility, we have to ask ourselves whether a government who has already invested billions of our money in the banking system, and has introduced revolutionary schemes to help those whose homes are at risk, are prepared to let this happen. Our view is that they are not.

Buying a House – Can Anybody Do It?

January 17, 2009 by  
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Anybody can buy a house. There are several ways: you may need to fix your credit to get financing, or find a real estate investor to buy a house. The most important question is do you have the necessary income to keep the house once it has been purchased.

Before you buy a house you should determine if you can afford the house. If you go looking at homes and find one you like, then when it comes time to look at your finances, you find that there is no way you can afford it. It could be crushing blow. This could lead to bad feelings when looking for a house next time or could end your house hunting altogether.

One of the first things I always suggest is doing a budget. Now, nobody likes to do a budget, but you really should. This will determine the money you have coming in and what you are paying out for your daily living expenses and bills. You need to know the amount of money you have to make payments on a home. Remember that this number may include what you already pay in rent. This will determine what you can afford when you buy a house.

The easy part of assessing your budget is to track your monthly bills and income. Generally, these are similar each month. The hard part of the budget is tracking what you spend at retail stores and online. If you use software to track you debit card transactions, this makes it easier to find out where you are spending your money. If you use credit cards to make purchases, you will have to track how much you are spending each month. Is it more or less than your payment? The hardest part of your budget to assess is cash transactions. Unless, you keep all your receipts, you won’t know where it goes. For one month save all your cash and sales receipts for an enlightening experience. Decide what can be eliminated or reduced to allow for savings.

The budget is a valuable tool that nobody else will help you to do. They may mention it but not give enough information to help you work one out. They just want to know if you have enough for a down payment and can afford the first 2 or 3 payments. After that you are on your own.

A Primer on Selling Your House in a Buyer's Market

January 16, 2009 by  
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The sky is falling. Chicken Little may actually be right this time. And that’s not all that’s falling. The value of the dollar is falling through the cellar and so are home values. If you’ve got a $200,000 gem of a piece of property that you’re looking to unload, you’re probably finding that you’re lucky if you can get 75% of that amount. Yeah, things are pretty bad all over. But they don’t have to be. See, a lot of this is caused by mindset. Sure, some of it is the buyer’s mindset. But some of it is yours too. And THAT is what we’re looking to change with this article.

Let’s be honest right now. You’re thinking that there is no way you’re going to sell your home for what it’s worth, especially that it’s probably been on the market for at least 30 days. Am I right? And your realtor? Forget about it. You’re not getting any REAL help there so you’re thinking that this is also a waste of your time. Nobody seems to have any answers and you begin to go into a panic. Tell me when I’m off base.

Okay, let’s get one thing straight right from the get go. The value of a piece of property is what it’s worth to the person who is buying it. Do you REALLY think that if a prospect were to see your home, realize that it was the home of their dreams, that they wouldn’t pay you top dollar for it…especially if they thought that somebody else was waiting to snatch it from under them? Hey, they don’t have to know that you’re having trouble selling your home. It’s none of their business. So YOU have to put on a front for that prospect. You need to show your home with confidence and make it very clear that it’s going to go fast.

Don’t rely on your realtor. Get out there and put your own ads into the marketplace. Don’t come up with those lame “Must sell” ads. That just screams desperation and your prospect is going to know that they have you over a barrel. Don’t know just what to write? No problem.

Below you will find a review that I think you’ll want to read. It will solve ALL your problems as far as getting your house sold. I’m putting my reputation on the line by saying this because I firmly believe in this resource THAT much. It’s literally fool proof.

Don’t let the buyers walk all over you. You CAN get the price for your home that YOU want.

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