house rentals. Special places

Italy Farmhouses Vacation rentals and apartments for Rent, Italy Rentals. Vacation accommodation between Orvieto , Siena or Florence, in Tuscany , Umbria and Lazio . Not just farmhouses in Italy, but more vacation rentals in Italy, vacation rentals with pool, apartments for rent, vacation villas, vacation homes, vacation apartment rentals, flats, castles, holiday cottages, house rentals. Special places to stay in Italy. Vacation rentals directory and tourist guide to Italy. Map of Italy Tuscany rentals Umbria rentals Lazio rentals more rentals in Italy Cities of Italy Events in Italy Markets in Italy Thermal Spas Driving in Italy Travel Insurance Weather in Italy Ital y recreation Etruscan sights Italian Wines Italy information Italy people search Italian Museums Search the web site Alternative to Hotels in Italian Stay Farmhouses, Apartments Houses and Villas for sale. Italy House Rentals Affordable Farm House Rental in Siena,Tuscany Proponi la tua struttura Honeymoon flat in Tuscany. honeymoon in Umbria, Italy . Holiday Villa Useful Links Our Partners Link exchange Buy on line your Travel guide to Italy Free Links Directory Look at Italy Siena's Palio e-mail Italyfarmhousesrental 1999 -2003. All Rights Reserved disclaimer Italy Farmhouses Rental is a travel guide to Italy and vacation rentals directory for visitors to Central Italy, about Tuscany , Umbria or Lazio . Tuscany , Umbria and Lazio are the regions it covers, with particular reference to the area between Orvieto, Siena or Florence, an unforgettable hilly landscape rich in historic medieval towns and villages . Our goal is not the number, but the quality of the accommodations and the kindness of the owners. The selection of Italy vacation rentals, apartment rentals, cottages, rural retreats, house rentals, farmhouses, agritourism, holiday villas, country houses, self catering apartments, vacation homes, bed and breakfast accommodation, castles , guest houses and holiday private rentals included in this web site have been visited and tested before listing, for the maximum guest satisfaction. For visitors knowledge, we make a list of beautiful historical interesting Italian cities of art in Tuscany , Umbria and Lazio : Florence, Lucca , Arezzo, Siena, Cortona, San Gimignano , Pienza, Montalcino , Monteriggioni, Chianti, Maremma, Massa Marittima, Volterra , Montepulciano , Orvieto , Todi , Citt della Pieve, Assisi, Perugia, Spoleto, Norcia, Gubbio, Spello , Rome, Viterbo, Bolsena, Civita di Bagnoregio, Acquapendente. Need Car Rental ?

Buy House

WHAT TO DO ABOUT TAX WHEN YOU BUY A HOUSE FAQ's Select a FAQs Category Capital Acquisitions Tax Capital Gains Tax Employer Information Corporation Tax Customs & Excise Revenue Audit Value Added Tax (VAT) Vehicle Registration Tax What to do about Tax when you buy a house Do I need to tell the tax office if I buy a house? Can I claim tax relief on my mortgage? What is a sole or main residence? To help with the mortgage repayments, I intend letting part of my house. What tax relief can I claim against my personal income tax and against the rental income? Does residence only mean a house? Can I claim tax relief on a loan for home improvements? What can the loan be used for? How much tax relief will I get? How can I claim the relief? If I sell my house will I have to pay Capital Gains Tax? What happens if I had let part of the house or used part of the house for business purposes? What happens if my property has "development value"? 1. Do I need to tell the tax office if I buy a house? Yes - you should inform the tax office as soon as possible so that all correspondence can be sent to your new address. » Back to Top 2. Can I claim tax relief on my mortgage? Yes - if the house is situated in the State, Northern Ireland or Great Britain and is used as your sole or main residence. » Back to Top 3. What is a sole or main residence? A sole or main residence is the residence which is your home for the greater part of the time. It does not have to be owned by you e.g. your parents residence may also be your sole or main residence, if you normally live there. » Back to Top 4. To help with the mortgage repayments, I intend letting part of my house. What tax relief can I claim against my personal income tax and against the rental income? In this situation, part of the mortgage interest may be claimed as a normal interest credit against your personal income tax. However, the balance of the interest may not be claimed as a rental deduction. The mortgage interest applicable to the let part of the house will be determined on a just and reasonable basis. For example, the apportionment of the interest may be by reference to the number of rooms let. » Back to Top 5. Does residence only mean a house? No. It also includes: A flat Any garden or grounds of an ornamental nature which are used along with the house or flat A Mobile Home/Caravan - provided it: Is on a permanent site Is of a reasonable size to fulfill the requirements of use as a permanent residence Has electricity and other services supplied to it Is immobilised (i.e. wheels removed and mounted on blocks). 6. Can I claim tax relief on a loan for home improvements? Yes. You can claim tax relief on a loan used by you to purchase, repair, develop or improve your sole or main residence or to pay off another loan (or loans) used for that purpose. » Back to Top 7. What can the loan be used for? The loan can be used for most work done on your sole or main residence except for money spent on furniture or removable fittings (e.g. light fittings, curtains, carpets etc.). Examples of what the loan may be used for are: Extensions, purchase/construction of garage, garden shed, greenhouse etc. Construction of driveway, path etc. Conversions, painting and decorating Installing central heating Rewiring or replumbing (including bathroom suites) Replacing or installing windows Purchase and/or installation of burglar/fire alarms Purchase and installation of bedroom and kitchen units which are affixed to and become part of the building Treatment for damp, dry rot, woodworm etc. Landscaping gardens (including garden walls) Contributions to group water and sewerage schemes. » Back to Top 8. How much tax relief will I get? Tax relief is granted on the amount of the interest paid, at the standard rate subject to the overall limits as set out in Leaflet IT60 (Home Loan Interest Relief - 2000/2001 onwards) . Special provisions apply for "First Time Buyers". The period for which relief is available is 7 years (this does not apply to mortgages taken out before 6 April 1998). » Back to Top 9. How can I claim the relief? From 1 January 2002, tax relief for home mortgage interest is no longer given through the tax system but is instead granted at source. This means that your mortgage lender gives you the benefit of the tax relief element on the mortgage interest on behalf of the Revenue Commissioners. Your mortgage repayment is reduced by the amount of the tax relief. Your lender in turn claims this amount from Revenue. Any future adjustments in the tax relief (for example, arising from changes in interest rates) will be made automatically by the lender on behalf of Revenue. It is not be necessary to claim mortgage interest relief in the annual tax return, and it no longer appears on your Notice of Tax Credits. Borrowers who are taking out new mortgages must complete a TRS1 form. Your lender will supply you with a TRS1 form. Forms can also be obtained from the TRS Section, Collector-Generals, Sarsfield House, Francis Street, Limerick. Further details are available on the Leaflet TRS (Mortgage Interest Tax Relief at Source) . » Back to Top 10. If I sell my house will I have to pay Capital Gains Tax? No. If the house (including grounds of up to one acre) has been occupied as your sole or main residence throughout your period of ownership you will be exempt from capital gains tax on the sale. » Back to Top 11. What happens if I had let part of the house or used part of the house for business purposes? Full exemption may not be due if only part of the house has been used as your residence. In this case an apportionment will be made to arrive at the exempt portion of the total gain and you will have to pay capital gains tax on the balance. » Back to Top 12. What happens if my property has "development value"? Where your property has development value i.e. if it is sold for a price higher than its normal current use value then the relief from capital gains tax as outlined above is confined to what it would be if the property did not have development value. » Back to Top

Foreclosure Property

Foreclosures Real Estate Website Directory [ Home ] [ Add a Website ] [ Modify a Website ] [ New ] [ Top Rated ] [ Email Updates ] [ Search ] Advanced search MAIN MENU TOP 100 SITES HOMES FOR SALE FOR REALTORS ADD YOUR WEBSITE JOIN THE TOP 100 LIST POST YOUR LISTINGS CONTACT SUPPORT ADVERTISING WEBMASTER Foreclosures Tips on buying a Foreclosure There are three types of foreclosure opportunities to look for. Pre-foreclosures, which are in the period before the foreclosure sale. Foreclosures, which exist when the property is taken back by the lender and sold at public sales. REOs, which exist when the lender ends up with the foreclosed property in it's own inventory after the public sale. How do I find the owners and borrowers? Pre-foreclosure Properties – You can approach the owner or borrower up until the time when the property actually is sold through foreclosure proceedings. If the owner or borrower isn’t living in the property, use one or more of these methods to hunt them down: * Don't be shy! KNOCK ON THE DOOR! - Simply be polite and see if you can gather information directly from the homeowner or renter. If you can get in the door you stand a much better chance of making an offer or finding out where the owner is. You are offering folks a way out of foreclosure -and possibly a more lenient approach than the bank might take to when they must vacate- if you buy the home. * By Mail – Send a letter to the owner/borrower at the property address or leave a letter for the owner/borrower at the property address (if you put it inside a mailbox, the USPS requires that you put a first-class stamp on it). In the letter, explain that you understand the property is going into foreclosure, and that you have some options so the owner/borrower can avoid credit problems, or possibly even retain ownership. * Use Public Records – If the owner/borrower doesn’t live in the property, check with the county courthouse. They’ll have the owner/borrower’s name on record. * Ask Neighbors – If the property is vacant, talk with neighbors to see if anyone knows how to reach the owner/borrower. Be sure to tell them you’ve got information to help the owner/borrower. * Open the Telephone Book – If you still can’t locate the owner/borrower, try calling people who have the same last name. You might happen upon a relative. Foreclosure Properties – You’ll find foreclosed properties at a public sales. The day, date, time and place is published in the newspaper. The usual location for foreclosure sales is at the county courthouse, and sometimes, they’re conducted on the courthouse steps. REOs – After the foreclosure proceedings, the lender may end up with the property if no one bids more than the lender’s bid, which is equal to the loan balance. At this point, the property is referred to as an REO or “real estate owned” (by the lender) property. REOs are great investment opportunities. REAL ESTATE NEWS CLICK HERE FOR REAL ESTATE NEWS MORTGAGE NEWS CLICK HERE FOR MORTGAGE NEWS MORTGAGE CALCULATOR Loan Amount Interest Rate (%) Term(Years) Starting: Mo.= January February March April May June July August September October November December Year= Amortization table No Yes Monthly Principal Prepayment Amount Annual Principal Prepayment Amount (Enter B here for Bi-weekly Loans) One-Time Prepayment Amount, to be paid before payment (month #) -- Powered by RealEstateAgencies.net

Real Estate Prices

Home price increases may have flattened - Nov. 15, 2005 Web CNN/Money Home News Markets Technology Commentary Personal Finance Autos Real Estate Real Estate Buying & Selling SAVE | EMAIL | PRINT | SUBSCRIBE TO MONEY | Outlook sours for real estate Many indicators point to a major slowdown in home prices. November 15, 2005: 5:47 PM EST By Les Christie, CNN/Money staff writer Most overvalued markets The real estate markets most vulnerable in a housing bust Metro market Median home price Percent overvalued Naples, FL $489,875 79.35% Santa Barbara, CA $609,999 73.69% Merced, CA $256,348 71.71% Salinas, CA $539,273 70.49% Stockton, CA $307,849 68.66% Medford, OR $246,245 64.78% Port St. Lucie, FL $210,727 64.17% Riverside, CA $291,170 62.92% Modesto, CA $287,030 62.77% Madera, CA $256,417 60.39% Source:National City NEW YORK (CNN/Money) - Did homeowners who sold in September get out just in time? The latest report on third-quarter home prices, released Tuesday by the National Association of Realtors, showed continued strength. But increasingly there are signs that prices have plateaued. Of 147 markets tracked , 69 had gains from a year ago of more than 10 percent -- only six metro areas experienced declines. But from the second quarter to the third quarter, the national median home price rose to $215,900, up just 3.8 percent. That contrasts with a 10.4 percent jump in the prior quarter. And more and more leading indicators are pointing to a slowdown. In Boston, real-estate investor Matthew Martinez reports recently having spoken to five condo converters. "They all said the party was over," Martinez said. In Florida, Elena Filipa, vice president of the Corcoron Group in West Palm, said "We've leveled off. I would say prices will go up this year, but not as fast as they have." None of this surprises the many economists who have been waiting for a downturn. Richard DeKaser, chief economist for mortgage banker National City, has been reluctant to call the top, but thinks it has finally passed. "We're coming down the other side of the mountain," said DeKaser. The signs include: Builder pessimism The builders DeKaser surveys are less optimistic than they were even a few months ago. Separately, one leading builder, Pennsylvania-based Toll Brothers, announced last week that expected demand for 2006 would be down, resulting in moderating price increases and fewer sales. New-home sales declining DeKaser also notes that the number of new homes sold have fallen sharply since peaking in July at an annual rate of 1.3 million units. DeKaser calls new-home sales (rather than existing-home sales) the canary in the coal mine. "Developers tend to be more sensitive to market conditions," he said. They have cash flow issues, payrolls, and loans that put more pressure on them to sell. Ordinary home sellers are often more selective than developers, even taking properties off the market if they don't get the price they want. Developers have to drop prices to move inventory. Inventories rising Supplies of new homes are way up, to nearly 500,000 units, from 350,000 a few months ago. "That's an all-time high for new homes," says DeKaser. The higher the inventory, the more likely prices will fall. Sell times are up Houses are sitting on the market longer. New homes now take about 4.1 months to sell and existing homes 4.7; both figures are up substantially. What to expect In a recent survey, NAR members say they predict home prices to rise only 5 percent in the next 12 months. Nearly half of the realtors predict prices will rise less than five percent and 6.4 percent actually expect prices to fall. "You can't expect double-digit price increases to go on forever," said Walter Molony, spokesman for NAR. "We're seeing a market in transition in which there'll be an easing of price increases in the future." While DeKaser expects a slowdown, he predicts an "orderly transition" for the most part, with some exceptions. "There will be busts in some markets," he said. "Mostly, we'll come out of it unscathed." For the most part, DeKaser doesn't envision losses on that scale. He thinks home prices will decline 1.7 percent during the fourth quarter of 2005 and stay almost flat all the way through 2007. But history shows that some over-valued markets could fare much worse. Molony points out that the most severe drops in real-estate prices are usually triggered by an underlying economic crisis. After oil prices went into a six-year decline in the late 1970s, housing prices in oil cities experienced steep drops. In Oklahoma City, prices plummeted 26 percent in real dollars from 1983 to 1988. With inflation, the "real" loss was more than 40 percent. Houses in many oil patch cities are worth less in real dollars than they cost more than 20 years ago. How to protect yourself It may already be too late to cash out at the top, which some residents of hot markets have already done. About 500,000 California residents moved out of state since 2001, according to economy.com, many to take advantage of lower housing prices elsewhere. But houses are not really investments in the same way stocks or bonds are. As an investment, timing the market is touchy -- miscalculate and it can cost you. If, for example, you cashed out a year ago in Los Angeles, expecting to buy back in at a lower price, you'd have to spend nearly 23 percent more for a similar house this year. Add closing and moving costs and commissions and it could cost 30 percent more to get back into the market. Cashing out just doesn't make sense except for retirees or others in a position to relocate or downsize. People looking to buy right now should shop carefully. Look at a number of homes, try not to fall in love, and be realistic about prices. Don't be afraid to bid low. The days of multiple bids may be over for a while. With interest rates rising, try to get into a fixed-rate loan. Adjustable rate loans could adjust to a much higher level when they come due, making monthly bills much costlier. ARMs rates are so close to fixed at this point, it costs little extra to forego the risk of higher rates in the future. ________________________________________________________ Latest prices for 147 markets. Housing affordability is at a low point. For more, click here . Just as the good times may be ending, the Chicago Mercantile Exchange is beginning to offer futures trading in home prices. For more click here . For more articles on Real Estate, subscribe to MONEY Magazine . The Hot List Most profitable renovations How risky is your 401(k)? Big new tax credits for hybrid cars More Buying & Selling Least affordable rental markets Take this home market...and love it Double jeopardy for landlords contact us | magazine customer service | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business2.0 = Money subscribers = Premium content -- * - Time reflects local markets trading time. † - Intraday data is at least 15-minutes delayed. Disclaimer © 2005 Cable News Network LP, LLLP. A Time Warner Company ALL RIGHTS RESERVED. Terms under which this service is provided to you. privacy policy Reprints of site stories are available. Top Stories Most overvalued housing markets Risks to the economy in 2006 Which was the worst ad of all in 2005? After the ride, a rest Hilton brands reunite after 40 years YOUR E-MAIL ALERTS Follow the news that matters to you. Create your own alert to be notified on topics you're interested in. Or, visit Popular Alerts for suggestions. Manage alerts | What is this?