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Investment Property Friday, 30.12.2005 Calculate Everyday Banking Ways to Bank E-Commerce Solutions Borrow International Trade Property Finance Plant, Equipment and Vehicle Finance Information Debtor Finance Apply For... Search this site Go | BNZ Home | Site Map | Terms & Conditions | Contact Us | Rates & Fees | Careers | Investment Property Calculator Our investment property finance calculator is a unique tool developed to help you as an investor test the affordability of property investments you might be considering. It can help you to find out what level of surplus or deficit your "financed" property investment may generate. To move between fields use your mouse, or the Tab button on your keyboard. For further help on using the calculator, just read our instructions . Enter the property's annual rental income: $ Enter the yield you wish to obtain: % Purchase Price: $ ~ result Enter either: loan amount as % of purchase price: Or amount of cash or equity you wish to contribute: 30% 35% 40% 45% 50% 55% 60% 65% 70% 75% $ Loan Amount: $ ~ result Loan Repayments: Interest Only Principal & Interest Interest Rate: 6.00% 6.25% 6.50% 6.75% 7.00% 7.25% 7.50% 7.75% 8.00% 8.25% 8.50% 8.75% 9.00% 9.25% 9.50% 9.75% 10.00% 10.25% 10.50% 10.75% 11.00% 11.25% 11.50% 11.75% 12.00% Repayment based on year term Annual Repayment: $ ~ result Surplus: $ ~ result Surplus return on cash contribution: % ~ result How much will be owing on my loan after years? Amount Remaining: $ ~ result How to use the calculator: Rent is the source of income from any investment property that you may be considering. Key in the rental income that your proposed investment will generate. Yield is the rate of return you expect to achieve from any property investment you may wish to make. Key in the yield that you believe is an appropriate return on your investment. The combination of the rental income together with the yield you expect will determine the amount you will need to pay for the property to satisfy your return expectations. Enter the cash (equity) you would like to contribute to the investment; or Select the loan amount as a percentage of the purchase property you are considering, to test the tolerance of your investment compared to debt levels. Which loan repayment option would you prefer? Interest only or principal and interest? Select an option. Interest rate? Select an interest rate option , or call a property finance lending manager for a quote. Term? The term of your loan will also affect the level of debt servicing that your financed investment property can sustain. Select a term over which you wish to repay your debt. What the calculator will tell you: The price you are prepared to pay for the property you are considering, based on the rental income from the property and the return (yield) you expect on your investment. The total of the annual payments to service the debt on this proposition, based on the percentage you have considered borrowing against the purchase price, the repayment option you have selected and the term you have chosen. The cashflow surplus before any overheads, depreciation, miscellaneous costs and taxation. What it won't tell you: The quality of the rent. Before you make any investment, you must independently check that the tenant(s) in the property you are considering purchasing have a sound track record, and can be relied upon (in your opinion) to pay the rent. The quality of the property. Check with a registered valuer about the quality of the investment you are about to make. Ask a property finance lending manager for some guidance on how to choose a registered valuer to help you in making a prudent decision. The quality of your investment decision. Once again, we recommend you seek guidance from a registered valuer, a solicitor and an accountant in helping you make a sound decision. Ask a property finance lending manager for some guidance on how to choose your professional advisors. DISCLAIMER The calculator is provided for general information purposes only and does not form advice given by Bank of New Zealand. Bank of New Zealand accept no liability whatsoever for the consequences of any use of the calculator which shall not constitute an offer of finance. back to top © Bank of New Zealand 2001. Use of the information contained on this page is subject to our Terms and Conditions

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Land for sale UK 09:14 | Thursday 29 December Land for sale UK * There are interesting land sales available for a variety of different uses, such as caravan parks suitable for motor homes, horticultural use, and farms or fincas. For further details click the E-mail Us button on the left. * Over recent years land for sale has proved to be the most attractive investment in Europe, and expert opinion states that the demand can only increase. * We are happy to advise those seeking land for sale, whether on a deserted part of the coast, a small village, the tranquillity of rural countryside, or in one of the more active holiday resorts. We have opportunities available for all forms of land for sale in Spain, on the Costa del Sol, the province of Malaga, and the region of Andalucia. * The increasing value of land in Spain, and particularly the Costa del Sol, shows no sign of slowing down, and over the last ten years has undoubtedly been the best investment. The ever increasing number of families wanting to live in a warmer climate continues to drive the price upwards. If you are considering looking for investment land on the Costa del Sol, we would be delighted to act on your behalf. * There are tremendous opportunities for investment land both here and abroad, from individual lots or building plots to larger tracts of land suitable for development. Tell us how many acres or hectares of land, is it for farming or a plot or lot of building land? If for a farm what type of earth and soil is important to you, which area? When are you hoping to purchase, by direct negotiation or at an auction? Do you have any existing land to trade? Land for sale UK - Historical Data Fascinating information in The Domesday Book Site Government information at the Land Registry Site Land for sale - Translations for those clients interested in Spanish land Agent - agencia Estate agent - inmobiliaria House - casa Home , of any type - casa Semi-detached house - adosado or adosao Detached house - casa unifamiliar Two floors - duplex Swimming pool - piscina Garden - jardin Town hall taxes - IBI Rubbish taxes - basura Electricity - corriente or la luz Electricity company - Sevillana - pronounced Seveelyarna Land - terreno Land for sale - terreno en venta Land investment in Spain - inversion en terreno Land for camping - terreno para camping Building land on the Costa del Sol - terreno para construir Built area , of property - construido. Floor area is measured in square meters Sq.m. - metros cuadrados or metro cuadrao Costa del Sol - sunny coast Lot or plot - parcela - pronounced par sella Lot for building - solar Town - pueblo Out in the country - en el campo For sale - en venta or se vende Legal document , of ownership - escritura Legal guy that checks legality - Notario Builder - constructor Plumber - fontanero Electrician - electricista Plasterer - escayolista Architect - architecto Camping - camping Build - construir - pronounced con stroo ear Land for sale UK Top : Land Investment UK - Home Home Land for Sale E-mail Us Webmasters Australia Canada Directories International UK USA Building Plots Hotels Insurance Land Development Metric Conversion Mortgage Resources Vacant Land Site Map

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Mortgage Loan Calculators -Interest.com Compare Today's Rates | Mortgage Calculators | Mortgage Trends Mortgage Home Calculators Advertisement Mortgage Calculators What will be my Monthly Payment? Want to know how much your monthly payment is for your mortgage? Additional Payment Calculator How much do you save by paying more or making additional payments than your initial mortgage terms? How much do I have to make to afford the loan on a particular home? Not sure how much money you'll have to earn to afford your house payment and accompanying expenses? How much can I afford to borrow? Want to know how big of a loan you can take on? How much can I afford to borrow? (Alternate Version) Want to know how big of a loan you can take on if you already know how much of a monthly payment you can afford according to the 28/36 rule. Should I pay discount points when I get mortgage loan? Not sure if you should pay discount points on your mortgage loan? 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CNN/Money: The hottest zip codes Web CNN/Money Buying & Selling Investment Property Home Improvement Million $ Life Financing Best Places This year's hottest zip codes By Sarah Max, CNN/Money senior staff writer PLUS: • What makes a zip code HOT? • Homes in hot zip codes • Ultimate home guide 2005 SALEM, Ore. (CNN/Money) - Whether home prices will rise or fall in the coming year is anyone's guess. The housing market continues to stump experts on both sides of the bubble debate. Even so, economists at Fiserv Case Shiller Weiss think they have a pretty good idea what's in the cards for most metros in 2005. Their prediction: Los Angeles will fizzle. Miami will sizzle. There's some reason to believe them. Fiserv CSW has been forecasting annual home-price growth at the metro level for more than a decade, with a not-too-shabby record: the group's median forecast error is less than 2 percent. To track housing performance, the researchers look at repeat sales data for a sample of houses in each zip code, a method they consider more accurate than simply looking at changes in an area's median home price. They also consider past price changes, employment trends and interest-rate trends to devise a forecast for the coming year. Finally, they make adjustments to individual areas to account for other factors that could influence an area's housing market. What's up in L.A.? Over the past five years home prices in the Los Angeles area appreciated 125 percent, with prices in a handful of zip codes up nearly 200 percent. But Fiserv CSW is predicting that prices in the greater Los Angeles area will increase by only 5.8 percent in 2005, with slightly better appreciation in some L.A. markets and price declines in others. "There is anecdotal evidence that the market there is weakening," said David Stiff, a senior economist with Case Shiller Weiss. "It hasn't worked its way into our model yet." For that reason, the firm declined to give a forecast for individual zip codes in Los Angeles. "We are very uncertain about what will happen to home prices in Los Angeles this year," Stiff added. Miami's market, however, may still have room to grow. Home prices in the Miami-Fort Lauderdale metro have doubled over the last five years, and Fiserv CSW is forecasting that they will appreciate another 16.4 percent this year. "Unlike L.A., Miami has a higher ceiling [for price appreciation] because affordability is less of an issue," said Stiff. What's the forecast for your hood? For each of the 10 largest metro regions tracked by Fiserv Case Shiller Weiss, here are the 10 zip codes with the largest median five-year price increases -- and their prospects for the coming year. Data on five-year price change are through the fourth quarter of 2004, while the forecasted change is for the first quarter of 2005 through the first quarter of 2006. Click on column headings to re-sort » Metro Area Median price 5-Yr Price Change 1 Forecasted change 2 Boston 338,000 73.60% 8.00% Lawrence MA 01841 226,000 121.10% 9.90% New Bedford MA 02744 207,000 120.50% 9.60% New Bedford MA 02740 225,000 118.10% 9.80% Worcester MA 01610 193,000 116.30% 16.20% Fairhaven MA 02719 254,000 113.50% 9.80% New Bedford MA 02745 245,000 112.30% 11.10% Wareham MA 02571 260,500 111.50% 8.20% Manchester NH 03102 242,000 111.10% 10.80% North Dartmouth MA 02747 324,500 110.90% 10.90% Mattapoisett MA 02739 353,500 110.70% 9.80% Chicago 254,000 49.60% 8.30% Chicago IL 60632 205,000 91.20% 13.80% Chicago IL 60638 237,000 90.90% 15.30% Chicago IL 60629 195,000 89.90% 16.70% Chicago IL 60652 180,000 84.60% 16.00% Chicago IL 60639 265,000 84.10% 11.20% Chicago IL 60630 318,000 83.30% 12.20% Chicago IL 60634 300,000 83.20% 12.50% Chicago IL 60640 511,000 82.20% 12.50% Oak Park IL 60302 450,000 80.50% 8.80% Chicago IL 60641 320,000 79.80% 11.10% Detroit 156,000 23.50% 4.50% Inkster MI 48141 85,000 39.80% 3.80% Pontiac MI 48342 75,000 37.90% 3.30% Mount Clemens MI 48043 136,000 35.90% NA Romulus MI 48174 145,000 35.80% 3.40% Dearborn Heights MI 48125 110,000 35.60% 3.40% Center Line MI 48015 125,000 35.60% 5.50% Ann Arbor MI 48103 263,000 35.50% 2.90% Detroit MI 48223 75,000 35.30% 2.00% Ann Arbor MI 48104 314,000 35.00% 1.30% Detroit MI 48235 97,000 34.30% 2.00% Los Angeles 418,000 125.70% 5.80% Rialto CA 92376 270,000 191.90% NA Littlerock CA 93543 230,000 185.80% NA Fontana CA 92335 272,000 184.70% NA Mira Loma CA 91752 449,000 182.50% NA Burbank CA 91502 677,500 180.50% NA Glendale CA 91203 538,000 180.40% NA Inglewood CA 90305 425,000 176.60% NA Santa Ana CA 92707 475,000 176.10% NA Riverside CA 92509 325,000 174.70% NA Inglewood CA 90303 390,000 173.80% NA Miami 246,000 106.00% 16.40% Miami FL 33137 265,000 171.30% NA Miami FL 33138 360,000 161.40% NA Miami FL 33150 142,000 147.80% 21.80% Fort Lauderdale FL 33311 175,000 134.50% 19.90% Pompano Beach FL 33062 355,000 133.00% 20.00% Deerfield Beach FL 33441 253,000 130.70% 17.10% Fort Lauderdale FL 33314 175,000 128.40% 22.80% Hollywood FL 33020 204,000 128.30% NA Pompano Beach FL 33064 171,000 126.90% 21.50% Miami FL 33179 169,000 125.50% 18.20% New York 360,000 87.50% 11.90% Beach Haven NJ 08008 687,500 146.00% 14.30% Tuckerton NJ 08087 216,000 134.50% 13.70% Mastic Beach NY 11951 228,000 130.20% NA Manorville NY 11949 392,000 128.80% 16.30% Brielle NJ 08730 519,000 127.70% 11.70% Bellport NY 11713 158,000 127.50% NA Mastic NY 11950 239,500 127.20% 17.10% Lavallette NJ 08735 557,500 127.00% 12.90% Perth Amboy NJ 08861 260,000 126.90% 13.00% Waretown NJ 08758 350,000 125.60% 15.50% Philadelphia 199,000 71.00% 11.40% Brigantine NJ 08203 358,500 149.50% 15.40% Sea Isle City NJ 08243 699,000 136.50% 20.10% Ocean City NJ 08226 650,000 133.80% 18.50% Ventnor City NJ 08406 285,000 132.20% 18.50% Villas NJ 08251 167,500 124.40% 20.60% Margate City NJ 08402 549,000 122.70% 17.10% Ocean View NJ 08230 325,000 118.50% 15.30% Northfield NJ 08225 207,500 117.30% 15.60% Marmora NJ 08223 265,000 116.50% 16.00% Somers Point NJ 08244 225,500 111.50% 16.00% San Francisco 576,000 82.00% 14.40% Vallejo CA 94590 361,000 149.00% 16.90% Oakland CA 94621 310,000 144.20% 15.00% Dixon CA 95620 448,000 140.70% 16.10% Fairfield CA 94533 367,000 137.00% 18.00% Vallejo CA 94589 370,000 135.70% 17.80% Oakland CA 94603 326,500 135.70% 15.30% Suisun City CA 94585 380,000 131.50% 17.20% Oakley CA 94561 400,500 130.20% 21.40% Pittsburg CA 94565 389,000 129.90% 20.10% Vacaville CA 95687 391,500 129.70% 14.80% Seattle 289,000 38.50% 10.10% Seattle WA 98126 294,000 57.80% 10.30% Seattle WA 98106 233,000 53.40% 12.30% Seattle WA 98109 556,000 53.00% 11.40% Seattle WA 98107 362,000 52.50% 9.50% Seattle WA 98117 380,000 52.40% 8.40% Seattle WA 98103 399,000 52.30% 8.90% Seattle WA 98199 510,000 51.10% 8.20% Seattle WA 98116 389,000 51.10% 8.10% Seattle WA 98105 441,000 50.60% 6.90% Seattle WA 98168 229,000 48.80% 9.00% Washington, D.C. 335,000 99.00% 14.90% Gaithersburg MD 20877 329,000 127.40% 14.30% Germantown MD 20874 291,000 117.80% 16.00% Silver Spring MD 20903 340,000 116.90% 12.40% Gaithersburg MD 20879 309,000 115.90% 13.70% Rockville MD 20851 320,000 112.50% 9.30% Silver Spring MD 20910 450,000 112.00% 8.70% Gaithersburg MD 20878 485,500 112.00% 10.60% Rockville MD 20853 400,000 111.10% 12.30% Rockville MD 20850 523,000 109.80% 9.30% Silver Spring MD 20901 365,000 109.60% 12.50% Notes: 1 Q4 1999 through Q4 2004 2 Q1 2005 through Q1 2006 Source: Fiserv CSW «top» The Hot List Most profitable renovations How risky is your 401(k)? 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Freddie Mac: Freddie Mac Corporate Homepage Search [ En Español ] Doing Business With Freddie Mac Single-Family Multifamily Debt Securities Mortgage Securities Vendors and Suppliers About Freddie Mac About Us Public Policy News and Information Investor Relations Careers Buying and Owning a Home Preparing for Homeownership All About Mortgages Purchasing a Home Owning and Keeping a Home Calculators and Tools Properties for Sale 30 year 15 year Average Rate Fees / Points Next rate update: Current Weekly Survey Compilation of Weekly Surveys America Builds on the National Mall Special Relief Information and Resources Freddie Mac's mission is to provide liquidity, stability and affordability to the housing market. Learn how . Go to LoanProspector.com , our online suite of mortgage underwriting and processing tools. Freddie Mac Helps Revitalize Historical Neighborhood In Gainesville Senator Martinez and Representative Stearns applaud a new effort to rebuild a historical neighborhood near downtown Gainesville. Freddie Mac, the Gainesville Community Redevelopment Agency, and mortgage lender Taylor, Bean & Whitaker plan to revive the neighborhood by building new homes; rehabilitating empty homes; offering low-down payment mortgages; homeownership workshops and counseling; and up to $7,000 in assistance to qualified, mainly first-time, low-to moderate-income homebuyers. Freddie Mac Report Looks at Asian Homebuyers in the U.S. Many Asians in the U.S. state that their lack of knowledge about the homebuying process could delay or prevent them from purchasing a home, and that they need to feel financially ready, stable and secure before they can consider buying a home, according to focus group participants. Freddie Mac compiled the focus group results into a new report, Homeward Bound: An In-depth Look at Asian Homebuyers in the United States. Dec 29 Weekly Primary Mortgage Market Survey Released Dec 22 One-Stop Execution Offered for Multifamily High-Leverage Loans Dec 22 Freddie Mac's November 2005 Monthly Volume Summary Now Available Dec 20 Groups Work to Revitalize Neighborhood Near Downtown Gainesville View All News Releases © 2005 Freddie Mac Terms and Conditions | Privacy Policy | Contact Us | Sitemap