buy property, be sure

Thailand websites :: Buying and renting property in Bangkok. Welcome to www.ThaiWebsites.com - Web directory with search function for English-language websites about Thailand Menu General Directory Hotels Directory Industry & Manufacturing Consumer & Household Goods About us & More Images of Rattanakosin (the cultural center of Bangkok) Search ThaiWebsites.com: Buying and Renting Property in Thailand Buying We have gained some personal experience buying and renting property in Bangkok, though we certainly do not claim to have the skills or knowledge of a real estate agent. Possibly you will find some of the suggestions below useful. They would mainly apply to renting or buying a condominium in Bangkok. First of all, anyone can rent (we assume), but buying property has its limitations. Practically speaking, a foreigner can buy a unit in a condominium, but can not own free land (and houses). There may be ways around it like long-term leases of land, but you will need to have a long talk with a real estate agent, to figure out further details. For most people, buying a property takes a large chunk out of their assets and savings, and should be considered wisely. After being in a long slump (this was actually a good time to buy) prices have climbed up again to levels seen in the pre-economic crisis period (1997). At the same time, we have the feeling that rents are still much cheaper than they were 7-8 years ago, so the balance still tills in favor of renting a property rather than buying one. Of course, there are other factors involved, having a property of your own (that is paid off), gives some feeling of security, and you can modify your condominium to your own desires. When buying location is of course the most important factor. This is especially so when you expect to make a profit by selling it in the future, or if you want to rent it out to other persons. One important thing to remember : When buying a property, you will in general have to prove that you have brought in the money involved from abroad. Banks have special forms to fill out for this purpose. So when you bring in the money to a Thai bank, with the purpose of using it to buy property, be sure to make it clear to your bank. Personally with the experience we gained, we would advise against property that is not built yet (of course). At least in the recent past, some developments went broke, and quite a few people lost a lot of money. There is a problem of long-term maintainance with properties in Bangkok that you should be aware off. While essential repairs may well be done, overal appearance of a building may deteriorate in a few years time. We noticed that some properties are very well maintained, but others, once prime property, seem to be allowed to slide into second-class real estate. This of course will depend on the management of the building, and on the residents staying there. Yearly meetings (where you do have voting rights) will be held, but often the money needed to keep up a building, might be used for other purposes. Furthermore, you will have little control over what happens around your property. A garbage dump or a slum may develop just around the corner. Thai people seem to more easily accept this. As long as it looks all right inside the home, who cares what is going on outside? Because of the above reasons, it may be of value to assess properties that have been around for a few years. At least you will have an idea how the building is being maintained, and what to expect in the future. A Juristic Person (elected by the condominium owners) with staff will usually manage the building, with help from real estate management companies. Management of a building may often change, with as a side-effect that there is less long-term planning and management. Some persons, owning a unit in a condominium, will refuse to pay maintainance fees as long as they do not live there themselves. This of course is illegal, and reduces the money available for maintaining the building. From our experience, it is very difficult for a Juristic Person to force people to pay their dues. As for maintaince fees, they are usually charged by the month, and the amount is decided in the yearly meeting of the owners. A fee higher than 30 baht per meter per month, is possibly high, but all depends of course on the value of the property itself, and the need for important repairs. Actually, in Thailand, it looks like people can cough up quite a few million baht to buy a property, but then do not want to spend a few thousand baht a month to maintain the value of their property. If you own a property, you will also be liable to pay a property tax. The amount of this tax depends on the estimated value of the property. You should check how much you will have to pay, though the rate may go up in the future. Our experience tells us to expect between 10,000-20,000 baht a year for a two-bedroom unit. As for other costs, you usually will pay the 'real' price, or something close to it. This can make a substantial difference in electricity costs (as compared to when renting a property). We advise that besides a real estate agent, you use the services of a law office, before you make a property purchase. Renting Of course, you do not have all of the problems above, when you decide to rent a property instead. We would certainly advise to do just that, in case you do not plan to stay permanently (or most of the time) in Thailand. Unless you have a lot of experience in real estate, we would not advise to buy property with the hope to make a profit in the future by selling it. [that is, buying property for investment purposes] Most rented property in Bangkok and around Thailand, is fully furnished and equipped. Poor buildings will usually have second-grade furniture and facilities, while valued property will be luxuriously furnished and have a lot of facilities. Most middle to high class condominiums will have a nice swimming pool, a sauna, laundry facilities, maid services etc. You may just have to get some towels, bed sheets, and coffee mugs etc., and move in. Television, washing machine, microwave, airconditioning etc., it will all be there. You can find all this, sometimes while paying a rent of 30,000 baht a month or less (especially in the suburbs of Bangkok). So, this should be considered good value. Much cheaper accommodations are available, but we do not have a lot of knowledge or recommendations about it. [If you do plan to stay a longer time in Bangkok, you can also consider staying for months on end in one of the two star or three star hotels. You will have the benefit of a hotel like maid service, room service, 'free' airconditioning, restaurants etc. Something acceptable can usually be found in the 15,000-20,000 baht a month range. Hotels may give 10-20% discounts if you stay long time. Just one place we know about : Honey Hotel in Sukhumvit soi 19] When renting you will be subject to additional costs. First of all, the usual deposit is valued at two months of rent, and the rent for the first month (and thereafter) has to be paid in advance. Be aware that the property owner (if working through a real estate agent) will usually have to pay one month value of rent as a commission to the real estate agent). Electricity costs (free in a hotel!) can run high in Bangkok, especially during the hot season. Expect about 800-1000 Units per month when using airconditioning on 'economy mode' for a medium sized room. Cost of electricity (as charged by the electricity provider) is below 3 baht per unit, but when renting, charges may be much higher (arbitrarily). We regularly notice charges of 4 baht per unit, and recently reviewed a website of a property, charging 5.5 baht per unit. So the building owners make quite a few thousand baht of easy money each month. [Customer protection is still in its developing stage in Thailand, unfortunately, that is why there do not seem to be binding rules about expenses as mentioned] When you lease property for a long time (like 30 years or 99 years), you may save some money when signing your contract, that is, a lease for 30 years may be cheaper than buying property. However, you should be aware that you forgo the rights of owning the property. For instance, you will not have voting rights in annual meetings. How the condominium is managed will be decided above your head. Monthly costs (like electricity) will also be charged, without you having control over it. Electricity costs and maintainance fees may go up over the years slowly but relentlessly. More Articles : Society and Culture : Thai Temples for Dummies | Basic Economic Realities | Siam Society (on Asoke Road) | 10 Wishes for Thailand | The Thai character | Erawan Shrine History of Thailand , from Ban Chiang to Rattanakosin era. Health matters : About healthcare in Thailand | Health Statistics, Health Risks in Thailand | Health Clubs, Fitness Centers | The Grande Spa and Fitness Club | Amazing Thailand : Adult Stem Cell Therapy in Bangkok | About Thai Massage Travel, Tourism and Shopping : Sukhumvit Road | What's at Skytrain Stations? | Shopping Guide for Bangkok | About Visas | Entertainment in Bangkok | Getting Around in Bangkok and Thailand | Travel Tips | Travel Story | Buying and Renting Property | Siam Paragon at Siam skytrain station Misc. : Guidelines for Webmasters | 'Thai Websites' in the News Out of Bangkok Series : Nakhon Pathom | Kanchanaburi, Suphanburi Subdirectories : Culture and Society Entertainment Business & Finance Travel & Tourism Real Estate Hotels & Resorts Read a bit : Editor's Articles Submit a Website | Link to Us | Link Partners Top Concept and website design by G.V., Bangkok

Denver Real Estate

Denver real estate; a moving list Moving checklist for Denver Denver Relocation Package Relocation buyers need extra help, learning about the area, schools, drive times and finding the best neighborhood to suit your lifestyle isn't easy. I can assist you with a relocation package relevant to your needs. [ Click Here for More ] Search Denver MLS Personalize your search and have results delivered to your inbox daily. This HomeFinder service is the most popular of all. [ Click Here for More ] House Hunting What to expect, how long will it take and what to bring. [ Click Here for More ] Cost of Living Comparison Check out the cost of living in Denver vs. your city. [ Click Here for More ] Denver Growth Past, present and future good growth news, see for yourself. [ Click Here for More ] Denver Climate Bring an umbrella if you want, but most of us don't own one! [ Click Here for More ] Relocating Your Pet Don't forget Tabby and Fido, they deserve attention too! [ Click Here for More ] Temporary Housing In case you need interim housing, Denver has many choices. [ Click Here for More ] Moving Checklist As anyone who has ever moved can attest, the clock moves twice as fast as your moving date approaches. Hours become minutes and days become hours. Worst yet huge boxes become smaller and possessions seem to multiply in the night. The only way to get a handle on a move is to plan a strategy, make a list and budget huge amounts of time in advance to get the job done properly. Use the following suggestions as a guideline to help: Post Office: Change forwarding address online, click here! Charge Accounts, Credit Cards Subscriptions: Notice usually requires several weeks Friends and Relatives Arrange: Bank: Transfer funds, arrange check-cashing in new city Insurance: Notify new location for coverage: Life, health, fire, auto. Automobile registration: Transfer of car title registration is necessary; also driver's license; emissions test; motor club membership. Utility Companies: Gas, light, water, telephone, perhaps fuel; get refund of any deposits made; arrange for immediate service in new town. Route Services: Laundry, paper, mild delivery, changeover of services School Records; Ask for copies of transfer of children's records. Medical, Dental; Ask Doctor and Dentist for referrals; transfer needed Prescription Histories prescriptions, eyeglasses, x-rays. Church Club: Transfer memberships, get letter of introduction. Pets: Ask about regulations for licenses, vaccinations, tags, etc. Don't forget to: Empty freezer, plan use of foods Defrost freezer-refrigerator, Place charcoal to dispel odors Have appliances serviced for moving Obtain birth records and baptism records of all children Clean rugs or clothing before moving; have them moving wrapped Check with your Moving Counselor regarding insurance coverage, packing and unpacking labor, arrival day, various shipping papers, method and tie of expected payment Plan for special care needs of infants. And on moving day... Carry currency, jewelry, documents yourself; or use registered mail. Plan for transporting pets; they are poor traveling companions if unhappy Carry traveler's checks for quick available funds. Let close friend or relative know route and schedule you will travel, including overnight stops; use as a message headquarters. Double check closets, drawers, shelves to be sure they are empty. Leave all old keys needed by new tenant or owner with agent or Realtor. Home Buying Directory Buyer Broker Down Payment How to Qualify for a Mortgage Loan Application Locking in Interest Rate Earnest Money Loan Application Checklist Fico Scores Moving List Moving Pets What is PMI? Finance Glossary Financing Your Home Reverse Mortage Home Buying Process Closing Costs Kristal Kraft , ABR, CIPS, CRS Licensed real estate broker selling Colorado Since 1984 The Berkshire Group Realtors, Inc. 3801 E. Florida Ave, Suite 502, Denver, Colorado U.S.A. 80210 800-319-7738 toll free | 303-589-2022 direct | 720-554-7961 fax E-mail: Kristal Kraft, Realtor 1998-2005, © Reflective Motion Inc. | Privacy Policy | Site Credits | Disclaimer | Site Map ~2 ~3 ~4 Denver Relocation | Buy a Home In Denver | Sell a Home in Denver | Denver Map | Denver Neighborhood Profiles | Denver Sales Statistics | International Real Estate | A Bio | My Favorite Places | Real Estate Resources Denver Loft Homes | The Berkshire Group | Buy and Sell Denver | We Sell Denver | Denver Colorado Real Estate | Denver Blog

Home Loans Share Loans

Myiris.com - Personal Finance India for Home, Loan, Loans, India, Housing, Best Interest rates for home loans India, Property, Finance, Ghar, Construction, Plot, Refinance, Flats, New House , Mortgage, Improvement, Extension, Bridge Loans, NRI, Scheme, Compare Banks, EMI Calculator, Charges, Documentation, Benefits, Tips, FAQ. -- Home Shares Mutual Funds Loans Credit Cards Insurance News centre About Us Feedback E-Mail Page -- Main Auto Housing Share Consumer Educational E-Mail Page Get NAV News Returns Announcements Get Quote Charts Research Snapshot Financials News Trade-Online -- Wealth Tracker Newsletter Tax Corner NRI Centre Forums E-Mail Chat Masala Housing Loans IRIS Tools Loan Finder by Loan Amount Loan Finder By EMI Details of your Preferred FI Interest Rate ScoreCard Compare FI's Myiris University Tips Select the Category Auto Loans Home Loans Share Loans Consumer Loans Educational Loans FAQS Select Category Auto Loans Home Loans Share Loans Consumer Loans Educational Loans FEATURES Sure Insure Saral Samadhan Rate Ka Funda Discussion Forum View Discussion Create new discussion Contact Zone Mail Us E-mail buddies Your Preferred FI IRIS Lender Search Status : Indian NRI Occupation : Salaried Self employed Purpose of Loan : Purchase of New House Purchase of Existing House Purchase of Plot Construction on a Plot Home Extension Home Improvement Bridge Loans Finance Company Choose a Lender Allahabad Bank Andhra Bank Birla Home Finance BOB Housing Finance Ltd Canara Bank CANFIN Citibank Dena Bank DHFL Global Housing Finance Hometrust Finance Ltd. HDFC ICICI IDBI Bank IOB LIC PNB Housing Finance Ltd. SBI Home Finance Sicom Housing Finance State Bank of India Standard Chartered Sundaram Home Finance Tata Home Finance Union Bank UTI Bank Scheme : Choose a Scheme Best Interest Rates Tenure 1 lakh 5 lakhs 25 lakhs 100 lakhs 2 yrs 7.75 % 7.75 % 7.75 % 7.75 % 5 yrs 7.75 % 7.75 % 7.75 % 7.75 % 7 yrs 7.75 % 7.75 % 7.75 % 7.75 % 10 yrs 7.75 % 7.75 % 7.75 % 7.75 % 15 yrs 7.75 % 7.75 % 7.75 % 7.75 % Search by Loan Amount Tell us your loan amount and we will find you the best Housing Loan in Town LOAN INFO Amount Tenure years 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Finance Company All the Finance Companies Allahabad Bank Andhra Bank Birla Home Finance BOB Housing Finance Ltd Canara Bank CANFIN Citibank Dena Bank DHFL Global Housing Finance Hometrust Finance Ltd. HDFC ICICI IDBI Bank IOB LIC PNB Housing Finance Ltd. 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SBI Home Finance Sicom Housing Finance State Bank of India Standard Chartered Sundaram Home Finance Tata Home Finance Union Bank UTI Bank PERSONAL INFO Residential Status : Indian NRI Occupation : Salaried Self employed Purpose of Loan : Purchase of New House Purchase of Existing House Purchase of Plot Construction on a Plot Home Extension Home Improvement Bridge Loans Compare FI's Housing Loan Comparision at your finger tips LOAN INFO Loan Amount Tenure of Loan years 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 Finance Company All the Finance Companies Allahabad Bank Andhra Bank Birla Home Finance BOB Housing Finance Ltd Canara Bank CANFIN Citibank Dena Bank DHFL Global Housing Finance Hometrust Finance Ltd. HDFC ICICI IDBI Bank IOB LIC PNB Housing Finance Ltd. SBI Home Finance Sicom Housing Finance State Bank of India Standard Chartered Sundaram Home Finance Tata Home Finance Union Bank UTI Bank PERSONAL INFO Residential Status : Indian NRI Occupation : Salaried Self employed Purpose of Loan : Purchase of New House Purchase of Existing House Purchase of Plot Construction on a Plot Home Extension Home Improvement Bridge Loans -- Spotlight There are no stories under this section EMI Calculator Loan amt: Rate : % Period : years Basis : Annual Bi-yearly Quaterly Monthly EMI Result : TIPS Use Clicks For Bricks Loan Mela Why take a home loan? What all can I take a loan for? How much will the bank/ HFC lend? What all is required to get a loan? Do I need to get insurance for my house? How much time does it take to get the loan sanctioned? 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Property Listing

Find a house, condo or other properties for sale with the residential property search español Put My Century 21 to work for you, simply register your email address and create a password. Once you're registered, you'll be able to • save property descriptions • store your search criteria • file agent information • build a custom library Find out more or register now! Already registered? Sign in . Residential Property Search other search options basic residential advanced residential commercial for sale commercial for lease international Search from thousands of homes for sale in our extensive real estate listings. Know exactly what you want? Try our advanced search. Enter MLS# OR city and state OR zip code -- MLS # OR City State Select a State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Guam Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Puerto Rico Rhode Island South Carolina South Dakota Tennessee Texas US Virgin Islands Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming OR Zip Only display properties with open houses Search Area No radius 5 miles 10 miles 15 miles 20 miles 25 miles Price Range $0 $10,000 $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $750,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $3,000,000 $5,000,000 $8,000,000 to No limit $25,000 $50,000 $75,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $750,000 $1,000,000 $1,250,000 $1,500,000 $1,750,000 $2,000,000 $3,000,000 $5,000,000 $8,000,000 Bedroom(s) Any Number of Bedrooms at least 1 Bedroom at least 2 Bedrooms at least 3 Bedrooms 4 or more Bedrooms Bathroom(s) Any Number of Bathrooms at least 1 Bathroom at least 2 Bathrooms at least 3 Bathrooms 4 or more Bathrooms ©2005 Century 21 Real Estate LLC. An Equal Opportunity Company. Equal Housing Opportunity. Each CENTURY 21 Office Is Independently Owned And Operated. All rights reserved. Information appearing on this site has been produced by or obtained primarily from Century 21 Real Estate LLC and its representatives and from CENTURY 21 franchisees. Century 21 Real Estate LLC is not responsible for the accuracy or completeness of the broker information, sales associate information, listing information or other information provided by our franchisees appearing on or through this site. Such information has been provided by independent third parties who are solely responsible for such content. Certain conditions and restrictions apply to System promotions. Terms and Conditions of Use.

Buy Home

How to Buy a Home and Other Real Estate - Home Buying Advice  You are here: About > Home & Garden > Home Buying / Selling > How To Buy a Home Home & Garden Home Buying / Selling Essentials 10 Things Home Buyers Shouldn't Do Best Tips for First Time Home Buyers "Must-Do" Tasks Before You Sell How to Buy a Home, Step by Step For Sale by Owner Advice Articles & Resources How To Buy a Home How To Sell a House Celebrity & Historic Credit Reports & Scores Design & Remodel Home Maintenance Inspections & Appraisals Investing & Foreclosures Modular & Manufactured Mold, Radon, Lead, etc. Mortgage Advice Moving & Relocation Real Estate Careers Real Estate For Sale Vacation Homes Buyer's Guide Before You Buy Top Picks Home Buying Books Foreclosure Books Mortgage Books Product Reviews Forums Help FREE Newsletter Sign Up Now for the Home Buying / Selling newsletter! See Online Courses   Search Home Buying / Selling > How To Buy a Home How To Buy a Home and Other Real Estate Find the answers to your questions about buying a home or other real estate. The home buying tools here help you understand all of the steps you must take to have a successful and stress-free home buying experience. Subtopics Blogs (3) Home Seller Disclosures (4) Boundary Surveys (3) Mortgage Info and Advice @ Condo, Townhouses, Co-ops (8) Offers and Contracts (7) Easement & Right of Way (4) Real Estate Auctions (1) eCourses (3) Real Estate Deeds (2) Eminent Domain (5) Real Estate Glossary (57) Escrow and Closing (9) Title Insurance (5) First Time Home Buyers (2) Working with Agents (9) Home Buying Book Reviews (2) Articles & Resources Sort By : Guide Picks | Alphabetical | Recent 10 Things You Shouldn't Do When You're Buying a Home You might be pre-approved for a home mortgage, but that doesn't mean buying a home is a sure thing. Here are ten things you shouldn't do before the keys are in your hand. 11 Steps to Buying a Home You'll feel more confident about your home buying journey when you understand what is required of you and every other person who is involved in the transaction. Use this step by step home buying guide to get started. Buying a Home with Good Resale Potential Most of us won't live in the same house for the rest of our lives, so it makes sense to at least try to buy a home with good resale potential. Here's some advice to help you do just that. Coping with Buyer Remorse Are you suddenly feeling queasy about the house you just agreed to purchase? You might have a case of buyer remorse, a condition that sometimes occurs between the time your home buying contract is accepted until you actually go to the closing table. Here's some advice to help you determine if your concerns are valid or a simple case of nervousness. Dealing with Unethical and Incompetent People Are you uneasy about some of the events that are taking place during your home buying transaction? Is your real estate agent, attorney or other person involved less than helpful--or worse, unethical? Then it's time for you to take charge of the transaction and do what's necessary to make sure your interests are protected. Staying Secure if the Real Estate Bubble Bursts I'm sure you've heard talk about the real estate bubble, a condition that occurs when real estate values balloon very rapidly, then burst, driving prices downwards. You can help protect yourself from a bursting bubble by following a few basic guidelines. Taking Your Final Walk-Through When you're buying a home, it's essential to do a final walk-through inspection prior to closing. Learn the best times for you to take your walk through and find out what you should be on the lookout for. Working With a For Sale By Owner Seller Advice to help you work effectively with a for sale by owner seller. These tips help you avoid problems at or before closing.        Topic Index | Email to a Friend Our Story | Be a Guide | Advertising Info | Work at About | Site Map | Icons | Help User Agreement | Ethics Policy | Patent Info. | Privacy Policy | Kids' Privacy Policy ©2005 About, Inc., A part of the New York Times Company . All rights reserved. Around About Oprah's Life Vacation Ideas Shop Safely Online VIDEO: Craft Rooms VIDEO: Christmas Traditions What's Hot Coping with Unethical People How To Buy Land Real Estate Appraisal Before You Buy a Log Home Package Home Buying / Selling - GuideReviews Headlines Getting Ready to Sell Your House Guests and lots of activities make it difficult to show... Before You Buy Gas Logs Gas logs are growing in popularity every year, so manufacturers... Pros and Cons of Becoming a Real Estate Agent You've decided you want to become a real estate agent,... Step-by-Step Directions Help You Measure Square Footage Each year, home owners discover that their new home's square...