http://www.mysapro.com/blog San Antonio Real Estate Blog, Investing, REI Services Fri, 29 Aug 2008 05:44:51 +0000 http://wordpress.org/?v=2.6 http://www.mysapro.com/blog/2008/08/18/how-to-prepare-for-deals-using-banks-to-fund-house-purchases/#comment-125 unsecured business loans Tue, 19 Aug 2008 11:27:39 +0000 http://www.mysapro.com/blog/2008/08/18/how-to-prepare-for-deals-using-banks-to-fund-house-purchases/#comment-125 In today’s economy, there are many lenders that are prepared to make an unsecured business loan. All that is needed is a good business plan that the lender can look at. This will allow a business owner to get the loan without having any sort of collateral such as real estate to secure the loan. In today’s economy, there are many lenders that are prepared to make an unsecured business loan. All that is needed is a good business plan that the lender can look at. This will allow a business owner to get the loan without having any sort of collateral such as real estate to secure the loan.

]]> http://www.mysapro.com/blog/2008/07/18/no-money-down/#comment-122 JoshWink Wed, 13 Aug 2008 14:33:33 +0000 http://www.mysapro.com/blog/2008/07/18/no-money-down/#comment-122 Oh, Thanks! Really amazing. Big ups! Oh, Thanks! Really amazing. Big ups!

]]> http://www.mysapro.com/blog/2008/08/08/if-you-cant-get-them-in-the-house-you-cant-sell-the-house/#comment-121 riathareja Mon, 11 Aug 2008 10:26:11 +0000 http://www.mysapro.com/blog/2008/08/08/if-you-cant-get-them-in-the-house-you-cant-sell-the-house/#comment-121 The main difference between a realtor and a real estate agent is credentials. People use the terms REALTOR® and real estate agent interchangeably, but that is incorrect. There are differences between REALTORS® and real estate agents. They are not the same. Although both are licensed to sell real estate, the basic difference between a real estate agent and a REALTOR® .As such, the main difference that you hear a lot about -- but are likely confused about -- is that a REALTOR® must subscribe to the REALTOR® Code of Ethics. But what does this mean to a consumer? A realtor has more training and experience in the real estate market than does a real estate agent. Where both a realtor and real estate agent have licenses, the realtor has gone the extra mile in obtaining a further level of expertise in their professions. Realtors® follow a code of ethics and typically receive many helpful tools from the Association including a legal hotline and official contracts to write offers. When you hire a real estate agent you are essentially hiring the brokerage. The broker is your agent and his salespersons are his agents. So when you go out looking at homes with a salesperson, you are essentially dealing with your agent’s agent. However, usually everyone down the line is a Realtor® because every agent in that company is a member of the Association of Realtors®.For more view- realtydigest.blogspot.com The main difference between a realtor and a real estate agent is credentials. People use the terms REALTOR® and real estate agent interchangeably, but that is incorrect. There are differences between REALTORS® and real estate agents. They are not the same. Although both are licensed to sell real estate, the basic difference between a real estate agent and a REALTOR® .As such, the main difference that you hear a lot about — but are likely confused about — is that a REALTOR® must subscribe to the REALTOR® Code of Ethics. But what does this mean to a consumer? A realtor has more training and experience in the real estate market than does a real estate agent. Where both a realtor and real estate agent have licenses, the realtor has gone the extra mile in obtaining a further level of expertise in their professions. Realtors® follow a code of ethics and typically receive many helpful tools from the Association including a legal hotline and official contracts to write offers. When you hire a real estate agent you are essentially hiring the brokerage. The broker is your agent and his salespersons are his agents. So when you go out looking at homes with a salesperson, you are essentially dealing with your agent’s agent. However, usually everyone down the line is a Realtor® because every agent in that company is a member of the Association of Realtors®.For more view- realtydigest.blogspot.com

]]> http://www.mysapro.com/blog/2008/08/07/the-future-of-real-estate-is-upon-us/#comment-120 riathareja Mon, 11 Aug 2008 10:24:08 +0000 http://www.mysapro.com/blog/2008/08/07/the-future-of-real-estate-is-upon-us/#comment-120 Yet another hike in the lending rates by the Reserve Bank of India (RBI) has caused an unprecedented hike in the home loan rates also. Buying a home has just got costlier. Private banks HDFC and ICICI have hike the rates by 75 basis points (100 basis points=1%). This is the third consecutive hike in interest rates this year. On an average, home loans have got costlier by 2% this year as compared to 2007. The properties in India have been hit by many factors. The global recession had hit the real estate segment hard. The property prices all over the country have stagnated. This is the first such instance in the last five year when property prices have stabalised. Otherwise, the prices for real estate in all segments were rising without any halt. The demand for property had taken off like never before. Besides, property seekers and investors were keenly investing in property segment. Anybody who had little funds to spare found it conducive and profitable to invest in property. At that time, other investment instruments like mutual funds, securities and shares were being neglected by investors. Home loan rates were affordable and easy payment options like Equated Monthly Installments (EMI) had attracted many home buyers to consider borrowing from banks and financial institutions. The scenario has changed now. Borrowing funds from banks has become a costly preposition. The costs for constructions material is rising. As a result, private property developers have hinted at hiking the prices of property projects. These market conditions are dissuading investors from investing in the property segment. Home seekers too are waiting for the market conditions to improve. As a result, the number of property transactions has dwindled. Property brokers, builders and home seekers are hoping for better times to come.For more view- realtydigest.blogspot.com Yet another hike in the lending rates by the Reserve Bank of India (RBI) has caused an unprecedented hike in the home loan rates also. Buying a home has just got costlier. Private banks HDFC and ICICI have hike the rates by 75 basis points (100 basis points=1%). This is the third consecutive hike in interest rates this year. On an average, home loans have got costlier by 2% this year as compared to 2007.
The properties in India have been hit by many factors. The global recession had hit the real estate segment hard. The property prices all over the country have stagnated. This is the first such instance in the last five year when property prices have stabalised. Otherwise, the prices for real estate in all segments were rising without any halt. The demand for property had taken off like never before. Besides, property seekers and investors were keenly investing in property segment. Anybody who had little funds to spare found it conducive and profitable to invest in property. At that time, other investment instruments like mutual funds, securities and shares were being neglected by investors.
Home loan rates were affordable and easy payment options like Equated Monthly Installments (EMI) had attracted many home buyers to consider borrowing from banks and financial institutions. The scenario has changed now. Borrowing funds from banks has become a costly preposition. The costs for constructions material is rising. As a result, private property developers have hinted at hiking the prices of property projects. These market conditions are dissuading investors from investing in the property segment. Home seekers too are waiting for the market conditions to improve. As a result, the number of property transactions has dwindled. Property brokers, builders and home seekers are hoping for better times to come.For more view- realtydigest.blogspot.com

]]> http://www.mysapro.com/blog/2008/08/06/knowing-when-to-say-no/#comment-119 riathareja Mon, 11 Aug 2008 10:22:58 +0000 http://www.mysapro.com/blog/2008/08/06/knowing-when-to-say-no/#comment-119 The trend of reconstructing old buildings and turning them into tall towers is slowly catching up in Thane, Mumbai. Quite often, people are cheated by developers during this process due to their ignorance. Mr. Srinivas Ghaisas, a legal advisor from Thane, recently held a discussion with those attending the Aatre Katta session in Thane, where he recommended the following steps to avoid getting duped: •When you decide to reconstruct the building, call an architect to survey the place and estimate the floors that can be increased and other technical details •Go for tendering process while selecting a builder •Shortlist the tender and inquire into information given by the builder in the tenders, most of the work mentioned by them in these tenders did not exist He also added that, “Take a written offer from the builder and then decide your terms in the society meeting. If the builder is building an extra six floors, it is your right to enjoy some profit earned by the builder. Make your own development agreement and shortlist the demands. Decide which demands are negotiable and which demands are non-negotiable and which could be negotiated. Make a final agreement based on the offer given by the builder and the final demands put forth by you. When the builder knows that he is dealing with knowledge able people he will agree to most of the demands put forth by you."For more view- realtydigest.blogspot.com The trend of reconstructing old buildings and turning them into tall towers is slowly catching up in Thane, Mumbai. Quite often, people are cheated by developers during this process due to their ignorance. Mr. Srinivas Ghaisas, a legal advisor from Thane, recently held a discussion with those attending the Aatre Katta session in Thane, where he recommended the following steps to avoid getting duped:
•When you decide to reconstruct the building, call an architect to survey the place and estimate the floors that can be increased and other technical details
•Go for tendering process while selecting a builder
•Shortlist the tender and inquire into information given by the builder in the tenders, most of the work mentioned by them in these tenders did not exist
He also added that, “Take a written offer from the builder and then decide your terms in the society meeting. If the builder is building an extra six floors, it is your right to enjoy some profit earned by the builder. Make your own development agreement and shortlist the demands. Decide which demands are negotiable and which demands are non-negotiable and which could be negotiated. Make a final agreement based on the offer given by the builder and the final demands put forth by you. When the builder knows that he is dealing with knowledge able people he will agree to most of the demands put forth by you.”For more view- realtydigest.blogspot.com

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