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REALTOR.com: Real Estate - Mortgage & Finance - Read about your loan options and go to our Mortgage Center where you can apply online. real estate 101 Financial Calculators from Quicken Mortgage: What Loans Do You Qualify For? What Loans Are Available? Should You Rent or Buy? How's Your Credit? How Much House Can You Afford? Lower Rate or Fewer Points? Should You Refinance Now? Visit our Mortgage Center In our Mortgage Center, you'll find a Homebuyer's Guide, great tips and information as well as links to apply for loans online. Click here to go to the Mortgage Center now. Use our Find a Lender tool Search our directory of brokers and lenders to find a professional near you. Click here to Find a Lender. Back to top E-mail this article Search in popular metros: Atlanta | Austin | Boston | Chicago | Dallas | Denver | Houston | Las Vegas | Long Island | Los Angeles | Memphis | Miami | New York City | Orange County | Palm Beach | Phoenix | Sacramento | San Diego | Seattle Site Map | Corporate News & Info | Contact Us | Advertise With Us | Join our staff Terms of Use and PrivacyPolicy . 1995- NATIONAL ASSOCIATION OF REALTORS and Homestore, Inc. All rights reserved. Equal Housing Opportunity REALTOR.com is the official site of the National Association of REALTORS and is operated by Homestore, Inc. REALTOR -- A Registered collective membership mark that identifies a real estate professional who is a member of the National Association of REALTORS and subscribes to its strict Code of Ethics. Inquiries regarding the Code of Ethics should be directed to the board in which a REALTOR holds membership.
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Mortgages, Mortgage Rates and Home Loans by Quicken Loans America's Home Loan Experts SM GO My Quicken Loans Login Great Rates. Expert Advice. Fast Process. Call 800-251-9080 To Get Your Rate Refinance Refinance Center Learn About Refinancing Refinance Calculators Refinance Loan Options Contact a Refinance Expert Home Purchase Home Purchase Center Learn About Buying a Home Home Purchase Calculators Home Purchase Loan Options Contact a Purchase Expert Home Equity Home Equity Center Learn About Home Equity Home Equity Calculators Home Equity Loan Options Calculators Calculators Refinance Calculators Home Purchase Calculators Home Equity Calculators Contact a Loan Expert Loan Options Loan Options Refinance Loan Options Purchase Loan Options Home Equity Loan Options Contact a Loan Expert Bad Credit Rates Get your loan approved in just minutes over the phone We bring the paperwork to you for signing it's quick and easy! Calculate YOUR potential mortgage payment below. Select Loan Purpose Refinance Purchase Desired Loan Amount: Expected Purchase Price: Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Florida Georgia 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 Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Current Monthly Payment: Expected Down Payment: Calculate YOUR potential mortgage payment below. Select Loan Purpose Refinance Purchase Choose A State Alabama Alaska Arizona Arkansas California Colorado Connecticut District of Columbia Delaware Florida Georgia 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 Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Desired Loan Amount Current Monthly Payment Expected Purchase Price Expected Down Payment -- Dis-ARM Yourself Now! Lock into a fixed rate today! Quicken Loans' Chairman Dan Gilbert hosts CNBC's "Squawk Box". Read More Start Taking Control of Your Credit! Introducing FreshStart Get approved for your mortgage - even with less-than-perfect credit Get on the path to paying off debt and repairing your credit Consolidate high-interest bills into one low-interest mortgage payment FIND OUT MORE Rates Keep Rising. Get a Fixed Rate Now! The Fed will keep raising interest rates - Get out of your adjustable rate mortgage or home equity line of credit! Lock your rate for 30 years with payment flexibility. Introducing FIND OUT MORE Flexible guidelines to fit your needs! Introducing Advantage1st No doc and full doc options available Cash out and interest-only options Get a low rate on a mortgage that fits your needs FIND OUT MORE Want a low mortgage rate? Call a Quicken Loans Mortgage Banker now to find out how you can get a low mortgage rate and payment flexibility with our SmartArm ® loan. A Quicken Loans Exclusive FIND OUT MORE What's the Difference between Interest Rate and APR? When you get a mortgage, you are charged two different rates--the annual percentage rate (APR) and the interest rate. Understanding the difference between the two rates is important and will help you make an informed decision when shopping for the right lender and the right loan... Read More Archived News Homeowners Can Still Refinance at Low Rates Dec 29, 2005 Despite Decline, Housing Still Strong Dec 28, 2005 More Mortgage News Quicken Loans - We Are Here to Help You! No one makes it easier than the home loan experts at Quicken Loans! We are ready to help you with your new mortgage , refinance , or home equity loan needs — all at great low interest rates. Explore our web site for exclusive home loan options, easy-to-use mortgage calculators , home loan articles, and instant rate quotes on several mortgages. Quicken Loans is America's #1 online mortgage lender. Apply for your mortgage online or talk to a Quicken Loans home loan expert today. Call us now at 800-251-9080. 3,400 home loan experts ready to help you Refinancing | Home Loans | Home Equity Loans | My Quicken Loans Login Mortgage News | Mortgage Rates | Mortgage Calculators | Apply Online About Us | Careers | Contact Us | Feedback | Site Map | Help | Search Security and Privacy | Disclosures and Licenses | Terms of Use © 2000 - 2005 Quicken Loans Inc., All rights reserved. Lending services provided by Quicken Loans Inc., a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc., used under license. Build 2741 2005-10-25 09:50:43
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Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages on Yahoo! Real Estate Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Hurricane Katrina Resources Features Classifieds • Sell Your Home • Rent Your Apartment Home Loans • Mortgage Rates • Online Rate Quotes • Refinance Loans & Rates • Home Equity Loans & Rates • Free Credit Reports Resources • Find & Compare REALTORS • Find a Mover Insurance • Homeowner's Insurance • Renter's Insurance Tools • What's My Home Worth? • Research Neighborhoods • Free School Reports • Foreclosure Center • Home Service Center Commercial Real Estate • List Commercial Property National Mortgage Rates Thu Dec 29 Mtg Loan Rate APR 30-yr Fixed: 5.70% 5.88% 15-yr Fixed: 5.27% 5.57% 1-yr ARM: 4.53% 6.89% See Local Mortgage Rates Provided by Bankrate.com Neighborhood Profile Research neighborhoods nationwide! City, State, or Zip: Real Estate Listings Browse by City New! Home Loans Center - Find, Compare, & Graph Rates Find a Home Find a Rental City & State, or Zip: Price Range: $0 $30,000 $50,000 $80,000 $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 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million to No limit $30,000 $50,000 $80,000 $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 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million Beds: Any 1+ 2+ 3+ 4+ 5+ Baths: Any 1+ 1 1/2+ 2+ 3+ 4+ 5+ Search For: Existing Homes Yahoo! Classifieds New Homes Foreclosures Advanced Search Search Commercial Real Estate Mortgage Payments Calculate your biweekly & monthly payment for different loan amounts, interest rates and amortization terms. Loan Amount: $ Term (years): Interest Rate: % Show table?: Yes No See More Loan Calculators Sponsored Links New Homes and Home Builders - iNest iNest's guide to new homes and home builders in 19 states: AZ, CO, FL, GA, IL, IN, MD, MI, MN, NC, NM, NV, OH, SC, TN, TX, VA, UT and WI. Save 1% on your new home with a cash back coupon. www.inest.com What's Your Home Worth? Thinking of selling your home? Wonder how much it might be worth? You can find out with a free home or property valuation at HouseValues.com. Click here to get started. www.housevalues.com Micro Mosaic Home Decoration Decorate your home with ancient mosaic reproductions, free color and size customization. Choose among 4000 designs. www.mosaicmarble.com (Become a Sponsor) Partner Spotlight Featured Sponsor Find a Local REALTOR by HomeGain • Find & Compare REALTORS • Get Home Prices Featured Videos Dream Home Videos by Inman Stories Real Estate News Financing your first real estate investment Dec 29, 2005, Inman News Top Mistakes of Home Buyers and Sellers in 2005 Dec 29, 2005, Realty Times Housing Affordability Hits 14-Year Low Dec 22, 2005, RealEstateJournal.com Home loan applications fall to over 3-1/2-yr low Dec 28, 2005, Yahoo! Finance Weekly Home Mortgage Rates (AP) Dec 28, 2005, Yahoo! News Despite Decline, Housing Still Strong Dec 28, 2005, Quicken Loans more real estate news Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages
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British Expat: Expat World: Moving to Spain: Buying Property in Spain - the Rights Group glossary British Expat Magazine | British Expat Forum | British Expat Country Forum | British Expat Classifieds | British Expat Mail | British Expat Shop British Expat Tax Havens Banking Anonymous ATM Cards BVI IBC Panama Company Gibraltar Company News, humour and information for Brits worldwide! Sitesearch powered by Web British Expat BE HOME PAGE EXPAT WORLD Resources Bulgaria France Germany Ireland Malta Poland Spain Moving to Spain English Lessons Features Switzerland Bahrain Cambodia China India Indonesia Israel & Occupied Territories Korea Malaysia Singapore Thailand Turkey Australia Fiji New Zealand Samoa Canada Costa Rica Mexico USA Botswana Ethiopia Ghana Malawi South Africa Tanzania Tunisia Uganda ABOUT BE Spain > Moving to Spain > Buying Property in Spain - the Rights Group glossary Buying Property in Spain - The Rights Group's Glossary of Property terms by Mark FR Wilkins Our colleagues at Overseas Property Professional have reported that Britons have spent £12 billion on second homes over the last two years, based on new statistics from the UK Office for National Statistics. Apparently, Britons are spending £6 billion a year on the purchase of second homes a staggering £4 billion more than two years ago. We at The Rights Group felt it would be useful to put together a glossary of terms that we use every day but which may be a little alien to would-be property purchasers in Spain. We are constantly striving to increase the level of information available to Northern Europeans who may be attracted to the idea of buying in Spain but who may equally be daunted by the press in recent months, which has portrayed our market as a den of thieves. It's not, particularly if you approach it with your eyes wide open seeking advice and assistance early in your quest for your dream property and making certain that the professional advice you receive is wholly independent. We see this as a "living" glossary, so if you come across words and phrases that could usefully be added please let me know at mark@therightsgroup.com . We hope you'll find it useful. Abogado Lawyer Adosado - Semi-detached or town house Aire acondicionado Air conditioning Agua Water Agua potable Drinking water Albañil - Bricklayer Alfombra - Carpet Amortización - Depreciation, Redemption Antigüedad(es) / Tienda de Antique/Antique shop Aparcamiento - Parking Arquitecto - Architect Armario Cupboard, wardrobe Asesoría Económica Accountant, Financial adviser Balcón Balcony Banco/cuenta de/tarjeta de - Bank/bank account/bank card Baño Bath/WC Barbacoa Barbecue Basura - Rubbish bins and rubbish taxes Bombilla Light bulb Buzón - Mailbox Caja de Ahorros - Savings bank Calefacción central Central heating Campo - Countryside Cargas Land charges registered against the property Carpintero Joiner Casa unifamiliar - Detached house Casita - Cottage Certificado registral - Certificate showing debts attaching to a property Chalet Villa Cocina Kitchen Comedor Dining room Comunidad de propietarios Committee of property owners Constructor - Builder Construido - Built area, of property Construir - Build Contable Accountant Contrato de Compraventa Privado - Property sales contract Costa del Sol Sun Coast Costa de la Luz Coast of Light Costa Blanca White Coast Corriente - Electricity Cortijo - A country property inland with farming roots Cuarto de Baño - Bathroom Cuenta de Banco - Bank account Documento privado - Private document Documento público - Public document Dormitorio - Bedroom Ducha Shower Duplex Apartment over two floors Ebanista Joiner Edificio Building Electricista Electrician Escayolista - Plasterer Escritura - Deeds of ownership Escritura pública de compraventa - Title Deeds Euribor Variable interest rate set by European banks Fontanero - Plumber Finca Farm house or small estate Fin de Obra Formal Completion of Works on a new property Fuente - Fountain Garaje - Garage Gas Butano Butane gas, often used for cooking and water heating Gestoría Specialists used to obtain official authorisations, permits and licences Habitación A Room Hipoteca - Mortgage IBI: Impuesto sobre Bienes Inmuebles - Property tax levied yearly Impuesto extraordinario sobre el patrimonio - Wealth Tax - extraordinary tax on assets Impuesto sobre el Incremento del Valor de los Terrenos - Tax on the increase of land value Impuesto sobre el patrimonio - Capital gains tax Incremento de patrimonio A Capital gain Inmobiliaria/agente - Estate agent Inversión en terreno - Land investment ITP Impuesto sobre Transmisiones Patrionales - Property Transfer Tax of 7% levied on all re-sale property IVA VAT Jardn - Garden Ladrillo Brick Libre de cargas Debt free Libro del edificio - Documents from the promoter when building is finished Licencia de obra - Building permission Licencia de prima ocupación Licence to occupy a completed property Limpiadora Cleaner Luz - Electricity Madera Wood Mármol - Marble Martillo - Hammer Metros cuadrados Square metres units floor area is measured in N.I.E. - Identity Number for Foreigners required for a property purchase Notario - Notary records the legal details of property and land sales Nota Simple - Certificate from Property Registry Obra nueva - Document certifying a new building Oferta vinculante - Bank document specifying mortgage conditions Ordenador Computer Pago en efectivo - Cash payment Parcela - Lot or plot Pestillo Door lock Pintor - Painter Piscina - Swimming pool Piso - Apartment Playa - Beach Plusvalía - Municipal Capital gains tax on the sale of property Poder Power of Attorney Pozo - Well Préstamo Loan Préstamo con techo Loan with variable interest with fixed minimum and maximum Préstamo hipotecario - Mortgage loan Pueblo - Town or village Puerta - Door Registro de la Propiedad - Register of Property Ownership Representante fiscal Foreigner's official tax representative Resale Property A second hand property, already registered at the property register in Spain. Residencia - Residency permit Residente - Resident Sala, salón - Lounge Se vende or en venta - For sale Se alquila For Rent Sevillana - Electricity company Seguro de amortización de préstamos - Loan repayment insurance Seguro Multirriesgo Hogar - House insurance Señal Deposit or down payment Solar - Lot for building Sótano Basement Subasta - Auction Tarjeta de Banco - Bank card Tasación - Independent valuation of property Tasa de cambio Exchange rate Tasadores Official Bank Valuers Techo - Roof Teja - Roof tile Terraza - Terrace Terreno - Land, plot of land Terreno en venta - Land for sale Terreno para construir - Building land on the Costa del Sol Tipo de interés - Rate of interest Título de propiedad - Deeds stating the ownership of property, date of sale etc. Trastero - Storeroom Valor Catastral - Assessed value of property for tax purposes Vidriero Glazier Yesero - Plasterer Yeso Plaster Compilation © Mark F R Wilkins 2005 (Marbella) Mark F R Wilkins The Rights Group SL email: mark(AT)therightsgroup.com website: www.therightsgroup.com tel.: +34 600 343 917 +34 952 930 435 Other links in this section Buying Property in Spain - the pitfalls! Why are property prices going through the roof? Relocation, Relocation, Relocation - Deciding to Move Buying Habits and New Hot Spots What made me up sticks? Relocation, Relocation, Relocation - Arriving in Spain Relocation, Relocation, Relocation - Checklist for a move to Spain Relocation, Relocation, Relocation - Sun, Sea and Risk The Rights Group Guide - How to Avoid... Part 1 Expat Websites in Spain Other relevant BE pages English Lessons: The Bonk On The Bitch English Lessons: A Lesson At Christmas English Lessons: The Pain In Spain English Lessons: Get Into The Bit English Lessons: Strong Arms And The Law English Lessons: Tiptoe Through The Tutus English Lessons: Chicken Chests And Cheeps English Lessons: Never Forget Lesson Number One English Lessons: Lesson Number One English Lessons: May And Daisy, Sam And Ella Canada for Brits: Property Canada Property: A Land of Opportunities Expat Resources: Property Tax: Let Property Property: UK Property Links Property: Investing in property Property index Expats Near You: Spain Spain Features: Fiesta Fireworks! Spain Features: Siesta in the Sierra Spain Features: I'm Turning into a Nomad (Part One) Spain Features: I'm Turning Into A Nomad (Part Two) Property: Selling your home in the UK Property: UK Buy to Let Spain Features: Hiring a Car in Spain Spain Features: Renting a Villa - Tips Spain Features: Having a Baby in Tenerife Spain Features: Feria at Sierra de Yeguas Spain Features: Renting a Villa Spain Features: Learning Spanish Spain Features: Shopping in Spain Spain Features: Timekeeping in Spain Back to Top EXPAT SERVICES Webmail Newsletter Send free eCards Buy BE stuff! BOOK NOW Flights Top Deals Hotels Holidays Published by British Expat Ltd © 2000-2005 All rights reserved Your use of this site constitutes acceptance of our Terms & conditions Privacy policy | Security policy | Morality policy | Advertising policy | Contact us Powered by Typo3 with additional scripting by ICi Technology Many thanks to sillyart.com for the "man with suitcase" logo