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Home Mortgages - Advice You are here: About > Home & Garden > Home Buying / Selling > Mortgage Advice > Home Mortgages - Advice 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 Stay up to date! "All About Mortgages" "How To Get the Best Home Loan," 2nd Edition Email to a friend Print this page Suggested Reading Mortgages - Getting Approved Mortgage Basics Find a Mortgage Mortgage Calculators Related Guide Picks Top Home Buying Books House Hunting-Take Along Workbook Related Blogs Mortgage Fraud Blog The Real Estate Blog The Money Pit Most Popular Modular and Manufactured Homes Finding Your Best Place to ... Home Buying Don'ts First Time Home Buyer Tips Before You Sell Your Home 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 Related Topics Home Repair Architecture Credit / Debt Management Housekeeping Landscaping Top 5 Books About Home Mortgages Guide Picks From Janet Wickell , Your Guide to Home Buying / Selling . FREE Newsletter. Sign Up Now! Are you having a difficult time deciding which type of home mortgage is the best for your needs? You're not alone. The world of home finance offers so many variables and options that it's often hard to keep them straight. The authors of these books help you do just that as they provide all the information you need to compare home mortgages and find a home loan that's right for you. 1) "All About Mortgages" This text by Julie Garton-Good provides a thorough analysis of home finance and refinance. The queries included in the book's Q&A format offer comparisons and detailed information about specific types of home mortgages, and will answer your questions about home loans. Credit and credit repair are discussed, too. For anyone who wants to learn more about the home mortgage industry. 2) "How To Get the Best Home Loan," 2nd Edition W. Frazier Bell takes the reader on a complete tour of the mortgage industry. His discussion of the secondary loan market helps you understand how lenders earn money and why loan underwriters must follow certain guidelines. An excellent book that even seasoned home buyers will find useful. 3) "The Mortgage Kit" Here's an easy-to-understand home mortgage primer from Thomas C. Steinmetz. The author teaches you how to use simple number-crunching formulas to compare different types of loans. This thorough book will answer just about any question you might have about home mortgages. 4) "How To Save Thousands of Dollars on Your Home Mortgage" Author Randy Johnson leads you through the maze of home loans, explaining the different types of loans available, which lenders specialize in each type, and how those lenders make money in the home mortgage market. He teaches you which questions you must ask to make sure you are getting the best possible deal. Includes information about credit scoring and other credit-related topics. 5) "Steiner's Complete How-To-Talk Mortgage Talk" Shari and Clyde Steiner's book will help you decipher what a lender is actually offering you. Protect your interests by learning how to answer the lender's questions and know instinctively when a lender makes statements that could signal future problems. Learn home mortgage jargon and be more confident as you analyze and compare different types of home loans. Important product disclaimer information about this About site. Important disclaimer information about this About site. 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
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Buying property in Spain - A full guide to buying property in Spain Buying Property in Spain A full guide Sponsor this Page for 720.00 a year Over 250,000 Unique Visitors every month! Click here Home | Spanish Shop | Photo Library | Message Board | Classified Ads | Property | Currency Converter | Site Map | Stats | Search | Advertise | About Us | Contact Us Property in Spain - A full guide Introducing the new service from idealspain.com www.idealspain-properties.com - Properties for sale & to rent throughout the whole of Spain CrawfPro Spain SL - CrawfPro is a private company based in Granada, selling select homes in the area. We can also find your property, survey it, lead the buying process, inspect construction, manage your project, look after your property and deal with bureaucracy. Don't be alone. HIFX - Save money on currency, regular payments & overseas property insurance. Lump sums: excellent exchange rates & totally free transfer of funds to Spain. Regular payments: fix an exchange rate for your mortgage or pension transfer for up to 2 years ahead with no monthly transfer changes (this alone could save you 300 per year!). Buying a property in Spain Foreigners buying property in Spain has become very popular. The country has a pleasant, healthy climate and in recent years the local authorities have made great efforts to increase the number foreign tourists and residents. Spain now derives more of its foreign income from tourists than any other country in Europe. Due to low European interest rates, now is a good time to buy property in Spain. There is a very wide selection of standards, from farmhouses (fincas) and plots through to villas, townhouses and new apartment developments. There is no shortage of real estate agents in Spain and it pays to search out a good company who will care for your requirements. Before you buy a property in Spain you should use our website to look at the different areas then consider visiting your favourites before deciding where to buy. Many people also rent a property in that area first. Here's a simple guide to get the most out of buying a property in Spain: Set your budget limit and stick to it. Visit the property at least twice before you make a decision. Check what amenities the property has such as electricity, water, gas. Have a builder or architect examine the structure of the building. Talk to your prospective neighbours about the area. If you are unsure about a property, take photos and draw sketches to take home with you. Have your legal advisor check ownership of the property before you sign anything. Have your legal advisor check outstanding debts on the property before you sign anything Initial Costs As well as the cost of the property, the buyer will be liable for transfer tax (IVA), which at present is 6% on a second-hand property and 7% on a new one, plus 1/2% stamp duty. The property registration office will charge you a fee to change the new deeds into your name. This is usually around 300€. There will also be notary charges for copies of the 'escritura publica'. The charge is on a scale depending on the contract price. In total you should allow 10% of the purchase price for costs. It is often the case that the buyer also pays the sellers fees. Check this at the point of enquiry and it is often possible to negotiate. Banks may also charge an opening commission for mortgage loans. Annual Costs The local town hall charge IBI which is an annual real estate tax. The previous owner is obliged to give you copies of previous bills. Community charges apply when you buy a property on a community development. These cover things like maintenance, swimming pools, gardens etc. You will also be liable for a wealth tax, payable annually and based on the value of the property and a property owners income tax based on your income from the property. You should clarify these in detail with your estate agent at point of enquiry . Finance See our mortgages section here Many developers of new properties are now offering up to 80% over 20 years for non-residents. Local banks will offer anything up to 60% for European residents. Most loans are long-term and secured on the property. When seeking a loan, make sure you are aware of the interest rates and if they are fixed or floating. Banks will ask for passports, residence permits, payslips, sale contracts and copies of the title deeds. There are many advantages to taking out a loan to purchase your property, in the form of tax allowances. We have not listed them here as they are subject to fluctuation. You may need to transfer money into Spain and you need to protect yourself: When you buy a property in Spain, you will know the price of the property in Euros but you will not know the actual cost until you buy all of the currency to pay for it. This means that the property could either cost you more than you had planned (if the Euro strengthens) or the property could become cheaper (if Sterling strengthens). Recently Sterling has fluctuated more than 10% against the Euro within a matter of months, so this does deserve careful consideration. On the basis that you are buying a property and not speculating on the currency markets, it is worth fixing the exchange rate for all of your future stage payments to the agent / developer. How to fix the exchange rate: 1/ Buy all of the currency now on a "spot contract". Hold the currency on deposit and send payments when they are due from your Euro account. To do this you need to have full funds available. 2/ Buy as much currency as you can afford now (e.g. for the first 2 payments) and reserve an exchange rate for the remaining payments. To reserve an exchange rate you need to buy a 'forward currency contract'. In effect you are buying currency now but paying at a later date when you have the funds available. The exchange rate that you achieve on a "forward contract" is not quite as good as that for a "spot contract" but it does guarantee that you know the cost of the property. You will be required to pay 10% of the value immediately and the balance by the date that you have reserved the currency for. Use a specialist currency broker : As a result of extensive research idealspain are pleased to offer preferential currency transfer rates for all their clients and visitors, click here for more information . It is also advisable to speak to your new bank with regards to High Interest Sterling Accounts where your mortgage payments can be taken directly and converted on your behalf. Approx cost to buy a home at 128,000 euros or (80,000 pounds) IVA 7% Spanish VAT payable on declared property value 8,960.00 Legal fees Searches, preparing deeds and translation etc 900.00 Notary's fees Preparing escritura, registering and stamp duty 600.00 I.A.J.D Spanish tax of 0.5% of the declared value 640.00 Connection charges Water, gas, drainage, electricity etc 300.00 Plus Valia Capital Gains Tax on increased value of plot since last sold. Levied by the Town Hall 60.00 Total Approx 7,355 pounds €11.460.00 Currency Converter Legal Matters Most properties in Spain are in fact NOT registered. Most of the re-sale properties are sold by Spanish ....still.... since they earned about 100 a year from selling fruit and veg they would certainly not pay 300 to pay for their property to be registered. The only way someone may find out if how many square meters is legally theirs to sell is by investigating at the Catastral Department and Town Hall. If they have ever declared that there is a property at all. A great deal of families have never informed the Town Hall that a senior family member has deceased and therefore many sales take months to proceed to completion. There are many families with complicated backgrounds, most children believe they actually own what is and sometimes what once was their parents, sometimes resulting in an Expediente Dominio where there can be no proof of title at all. A great deal of the beautiful villas you see advertised are not registered by the builder and therefore the purchaser pays for the first registration, sometimes no licences have been issued and the seller is required to pay fines to the Town Hall. Many many properties are then registered with less than the actual square meters of built area, and a great many are not mortgageable. Most urbanisation properties now being built are of course registered first because there is a compulsory registration system in Spain for new developments but this is Urban land - not countryside. Most of the old village properties have no Title Deeds. The seller of a second-hand home should provide the following documents: The title deed of the property Receipt of payment of the real estate tax for the last year Receipt of payment of the tax on the increased value of Urban Land Certificate that any community charges (if applicable) have been paid up to date Latest copies of domestic bills so that you can take over the services such as electricity and water The seller or developer of a new property should provide you with: Deed of declaration of new construction Occupancy permit Certificate of rateable value of the property Normally, before the purchase of a property is made official, there is a prior agreement drawn up between the buyer and seller. This document will identify the two parties and set out the terms of purchase. You must seek legal advice before signing this and you must be sure that this is the property you want to buy. You can lose any deposit you have paid if you pull out of the purchase and there is a penalty clause in the contract. In the case of the seller defaulting then he has to pay twice the amount. When it comes to signing the contract, this has to be before a notary, in the form of a public deed. This ensures that the details are entered onto the public records. Insurances Fire insurance is compulsory by law when taking out a mortgage. Comprehensive household insurance is available to protect your home and contents. Life insurance can be taken out to guarantee payment of the loan in the case of death. The cost of property - trends Official figures for the Costa del Sol state that property prices will increase this year by 12-15%. It is claimed that an average new property with two bedrooms in a block now costs 241,000 euros (around 2,000 euros per square metre). An average villa costs 388,100 euros. On the Costa del Sol there are around 20,000 homes for sale, 40% of which is in the Marbella area. 75% of home buyers on the Costa del Sol are foreign. The increase in prices is leading to an increase in the number of smaller, cheaper municipalities springing up, away from the coast. Tax advantages for property owners If you spend more than six months a year in Spain, you are obliged by law to apply for a residents permit.* This law is currently being abolished. There are however, several tax advantages for residents of Spain that do not apply to non-residents. Inputted income tax is an annual tax on an imaginary income resulting by virtue of ownership of a property and is charged as 0.5% of the catastral value. If you are a resident you will not be charged this on your principal home. Wealth tax is a tax on all assets in Spain and is charged at 0.2% of the catastral value of any house owned. For residents the first 108,000€ is exempt and for a joint ownership this would apply to each partner. These two taxes are paid annually as long as you own the property. Non-residents do not receive any relief so therefore have to pay 0.7% of the catastral value every year. When you come to sell the property, capital gains tax will be charged on any profit you have made. This is 35% for non-residents but only 20% for residents. A further concession for residents is that if you are over the age of 65 and have lived in your property for at least three years, you are totally exempt from capital gains tax. Finally, if you are 60 years of age or more and have lived in your property for at least three years, you can bequeath your property to your spouse or children and avoid paying inheritance tax on 95% of the valuation. The inheritor must also be a resident of Spain and agree not to sell the property for at least ten years. WSI - Start Your Own Business and Profit from the Internet! Now in its 10th year of business, WSIs systems are used by over 1000 franchisees in 87 countries around the world. Currently rated the "#1 Fastest Growing Business Services Franchise" and the "4th Fastest Growing Franchise in the world" , WSI has established one of the most profitable Franchise Opportunities in the world today with a Proven Business System! Home or office based. Complete Training and Support. No Business experience required. For your free information package & CD please visit: www.wsicorporate.com . Learn Spanish Today for FREE! Learn Spanish the interactive and fun way! Our web site will help you learn Spanish free of charge. Not just a few Spanish verbs, but over 500 words of the Spanish language, including complete Spanish phrases and sentences. Watch our free online demo that plays the first 15 minutes of a lesson. In this demo, the in program manual is displayed on the screen. spanish-online.co.uk Spanish book, cd and cd-rom publishers. User-friendly material for complete beginners to intermediate level. To make the most of our great offers, use the promotional code IDEALSPAIN on our online shop. Intasure - Insurance for your holiday home in Spain - Property insurance for expatriates in Spain - Comprehensive golf cover 365 days of the year which covers theft of equipment, medical expenses, travel, public liability and even hole in one cover - Low, low cost travel insurance. Avro is the UK's leading charter flight-only company, selling over one million seats every year. We have recently expanded and now offer scheduled flights to destinations worldwide, with flights available from over 70 of the world's leading airlines. Bookings.org - The best selection of Hotels, at great prices, throughtout Spain... View Special offers here & 5,166 Golf courses in Europe - Find golf courses in Spain, view pictures of all courses with maps. Book nearby hotels online . Car Hire Booking Centre Online together with IdealSpain.com - Created with one main objective; to offer clients the best vehicles with the best service at unbeatable prices. Why pay more when BOOKING CENTRE ONLINE offers MORE THAN THE REST, CHEAPER THAN REST? Car hire throughout Spain, the Canary & Balearic Islands . Hotel Club - The fast and secure service offering savings of up to 60% on your accommodation. To view Specials click here . PHA Travel has been offering independent advice on Health and Travel Insurance since 1995. Now in our 8th year this site provides our best selling value for money Travel Insurance from a range of reputable travel insurance companies. All policies are underwritten at Lloyds of London or through international travel insurance providers. You can obtain an instant quotation for your travel insurance, and you can buy online with a generous discount. RatesToGo.com - Last minute hotel reservation service. The fast and secure service offering great savings on your last minute hotel reservations - up to 20 days in advance. To book more than 20 days ahead click here . Related Links View agents and information for specific areas of Spain: Choose an option Property for sale in Spain Costa Almeria Costa Blanca Costa Brava Costa Calida Costa de la Luz Costa del Azahar Costa del Sol Costa Tropical - Granada Canary Islands Golf Properties Mallorca New developments Rural properties UK Based Agents Private Property Sales Commercial Property Home Improvements Mortgages Main guide to buying Guide to renting Holiday rentals Private Property Rentals a Property for sale in... a Spain a Costa Almeria a Costa Blanca a Costa Brava a Costa Calida a Costa de la Luz a Costa del Azahar a Costa del Sol a Costa Tropical - Granada a Cordoba, Andalucia a Huelva, Andalucia a Jaen, Andalucia a Seville, Andalucia a Canary Islands a Mallorca a Tenerife a New Developments a UK Based Agents a Rural Properties a Golf Properties a Private Property Sales a Businesses for Sale a Home Improvements a Property to Let in Spain a Private property rentals Related Links a Buying Property - Guide a Buying a finca - Guide a Buy a business-Guide a Buy a bar in Spain-Guide a Renting Property - Guide a Mortgages a Mortgage Calculator a Money Matters a Foreign Currency Services a Legal Matters a Hotels in Spain - A-Z a A-Z of Places a Holidays in Spain a Moving to Spain a Sport Home Page Relevant features Teach Yourself Spanish Relocate to Spain Working in Spain Costa Jobs Driving in Spain Tourist Offices The Culture Healthcare in Spain Legal Matters Banks in Spain Making a will Teach Yourself Spanish Schools in Spain Tenants rights If you have a property you wish to sell privately, you can advertise it on idealspain.com for 150 euros until sold. Click here for details Need to transfer money to Spain? Save money and stop making the banks rich. click here for details NEED A MORTGAGE? Advertise with us Step by step guide Site Stats About us | Terms of use | Contact us | Site Map | Advertise with us | Latest updates Buying Property in Spain | Schools in Spain | Healthcare in Spain | Finance | Move to Spain | Work in Spain | Culture of Spain Airports of Spain | Hotels in Spain | Weather in Spain | Nautical Spain | Geography of Spain IdealSpain.com - Tel: (+34) 952 198 832 - Email: info@idealspain.com All content and images 2000-200 5 idealspain.com Visit our other websites : www.perfectbulgaria.com - www.idealcroatia.com www.iberianimage.com - www.fiestaproperty.com - www.fiestapropertymallorca.com
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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