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Real estate listings and homes for sale - RELO National Home Search Real estate listings and homes for sale - RELO National Home Search Search 2 million mls listings from The Leading Real Estate Companies of the World U.S. State Search U.S. Map --- Quick Search -- select state -- Alaska Alabama Arkansas Arizona California Colorado Connecticut Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming Renters Becoming Increasingly Larger Percentage of Relocating Employees n recent years, the need for rental assistance in the relocation industry has been gaining on the home buyer market. Mobility Magazine’s October 2003 issue reports that 66% of new hires and 60% of current employees are renters, which is a 7% increase over 2001… >> Click to continue Zip Code Home Search: County Search: Jump to State: Alabama Alaska Arkansas Arizona California Colorado Connecticut D.C. Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana North Carolina North Dakota Nebraska Nevada New Hampshire New Jersey New Mexico New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming Search by Metro Area: New York Chicago San Francisco Los Angeles Washington DC Boston Save 15% on your FICO credit score. Enter promo code "RELO" to redeem your discount. RELO National Home Search helps consumers find real estate listings, homes for sale or real estate agents. The tool enables consumers to search 2 million local real estate listings and homes for sale. Before buying a home, search mls listings and homes for sale to find a real estate agent through RELO National Home Search. According to the National Association of Realtors, 72 percent of consumers look for a residential property online. RELO National Home Search provides moving assistance to relocating consumers and second-home buyers. RELO Home Search links over 600 RELO members' websites together, the majority offer local mls listings in their area. Further, RELO provides relocation assistance services and international relocation through the RELO network. Whether you are buying a home, considering moving to a new city, considering a second home or selling a home, use RELO National Home Search to tap into the country's largest network of leading independent residential real estate firms across the nation and around the world. All RELO real estate companies focus on relocation and home buying help. © 2002 – 2003 RELO ® All Rights Reserved. | Terms and Conditions | Bookmark Page | Read Real Estate Articles

Real Estate Prices

Real estate horror stories - Dec. 2, 2002 Enter Ticker Symbol Search CNN/Money Autos Real Estate Money's Best Home Markets & Stocks News Jobs & Economy World Biz Technology Commentary Personal Finance College Credit and Debt Insurance Interest Rates Retirement Tax Center Ask the Expert Five Tips The Good Life Millionaire in the Making Money 101 Moneyville Retirement Planner Savings Calculator Asset Allocator Mutual Funds Money Magazine Video CNN TV Fortune 500 Best Employers Money 101 Portfolio Calculators Real-time Quotes Last 5 Quotes SPONSORED BY include virtual="/fn_adspaces/markets-stocks/last_five_quotes/sponsor.88x31.ad" -- CNN/Money Email newsletters RSS Mobile news Money archives Buy story reprints Find a Mortgage SPECIAL OFFER Personal Finance Your Home Real estate horror stories There's never been a national bust but keep an eye on your backyard. December 2, 2002: 11:57 AM EST By Leslie Haggin Geary, CNN/Money Staff Writer New York (CNN/Money) - During the past three years, real estate has been a shelter in the storm. Since 2001, home prices have gained about 6.3 percent annually, according to the National Association of Realtors . And in dozens of hot markets , from San Francisco to Providence, RI to Topeka, KS, homeowners have seen double-digit price increases over the past year. Next to the seeming flimsiness of stocks, real estate looks rock solid. For the past 40 years, home sales prices have outpaced inflation by one or two percentage points per year, and there has never been a national decline in real estate values. But that's just part of the picture. When you drill down to local markets, instead of steady rises, you may find vertiginous spikes followed by stomach-churching drops. What's more, when busts hit, it can take years -- maybe even a decade -- for individuals who bought at the top of the market to recoup their investment. To see how grim it can get, we looked at annual sales figures for 138 metro areas across the country during the past three decades to spot where local bubbles burst, what drove prices into the cellar and how long it took for property owners to recoup their money. Here are some of the factors that can kill a real estate boom. Population shifts It's obvious. Jobs equal workers. Without work, residents leave, and home sales dry up. Consider the case of southern California. Once home to a thriving defense industry, military cutbacks hit the region especially hard in the early 1990s. Some 1 million individuals left the area, according to Ingo Winzer, president of The Local Market Monitor , a real estate consulting firm that tracks housing prices nationwide. In Los Angeles, home prices shed 21 percent of their value between 1989 and 1996, with the typical house selling for $172,900. (The peak was $214,800 in 1989 following a five year, 77-percent jump.) An exodus can hit smaller communities, too. Syracuse, NY once boasted 250,000 residents back in the 1950s, when it was a thriving industrial city. No longer. Many of those jobs are gone and Syracuse lost a full 10 percent of those inhabitants from 1990 to 2000, when its population dropped to 147,000 residents. Home prices, not surprisingly, fell too. Half of all property owners in the county who sold homes in 1997, for example, sold at a loss. Vacant buildings were not uncommon. (At one point, there were more than 1,000 empty dwellings.) Local recessions Ask housing experts about local busts and one of the first places they'll mention is Houston, TX. When the oil market was kicked in the teeth back in the mid-1980s, home prices in this city tumbled fast. In just three years, from 1985 to 1988, the typical home price dropped by 21 percent -- or from $78,600 to $61,800. Related Stories • Did you pay too much for your house? • Real estate or stocks? • Milking the bubble • Rev up your resale value "Prices fell so much that people owed more on than their mortgages than their homes were worth," said David Weil, an economics professor at Brown University. " They'd drive to the bank and drop off their keys to their homes and just leave." Houston isn't the only city where home prices have fallen when the local economy languishes badly. Take the stock market crash of 1987, which hit New York City's financial industry hard. Prices peaked at $183,000 in 1988, and anyone who bought then had to wait until after 1997 to get to even money. Another victim? Hartford, CT. From 1984 to 1988, the typical home price soared 92 percent to $167,600 from $87,400. Then the insurance industry started laying off or moving out. Hartford's population growth slowed to zero. And home prices starting falling. In fact it wasn't until last year that someone who bought at the 1988 price would have made their money back. Fast run-ups in housing values Are markets that have soared quickly especially prone to a bust? That's a question no doubt troubling many homeowners. But the answer isn't simple. Certainly, there have been plenty of hot markets that suddenly turned sour. Consider Honolulu, Hawaii, for example. Back in 1995, the average tab for a house in this community hit a record $360,000 -- a whopping 122 percent increase from the decade before. Then suddenly, prices began to drop. By 1999, a $360,000 island retreat was being unloaded for $290,000, a 19 percent discount, according to NAR. Prices started to finally rise in 2000, but anyone who bought at the island's real estate peak didn't recoup their money until this year. Hawaii's housing woes were tipped off by several factors, not the least of which was the decline in the Japanese economy, which squelched real-estate investment in Hawaii. Honolulu was also in trouble in part because few fundamentals, other than investment dollars -- were pushing the market. In fact, during the boom years, the island's population was climbing at a 1 percent rate, too low to justify the massive run-up in housing values. Bottom line: it's important to look at what drives housing spikes before you assume there will be a catastrophe, said Winzer. Rising interest rates "People tell you that housing never goes down, but that's just not true -- you try to sell a house when interest rates have gone up," said Stephen Cauley, associate director of the Ziman Center for Real Estate, Anderson School at UCLA . To illustrate his point, Cauley points to the early 1980's, when double-digit interest rates were being used to fight inflation. That made the cost of borrowing money for a home almost prohibitively expensive. "It was horrendous for the housing market," said Cauley. "There were no transactions." By 1982, the number of existing home sales had slid to 1.92 million, the lowest number on record, according to NAR. Many markets -- notably Detroit, Providence, Chicago and Philadelphia -- saw home prices stay flat or fall between 1979 and 1982. These days, of course, high interest rates seem a distant threat, though they are beginning to creep up. Current mortgage rates are hovering just above 6 percent for a fixed, 30-year loan. But even if rates go up a full percentage point, rates are still low, said Cauley. How will all this play out? If history is any guide, there won't be one big pop, the kind that usually come with stock-market crashes. But that doesn't make it any less painful. --* Disclaimer Selling? Buying? Click to compare top local real estate agents More on YOUR HOME • Your Home: Bracing for higher rates • Refinancing demand lags again • A rose is (not) a rose TODAY'S TOP STORIES • Most overvalued housing markets • Risks to the economy in 2006 • Which was the worst ad of all in 2005? CNN Money contact us | subscribe to Money magazine advertising -- | site map | glossary | RSS | press room OTHER NEWS: CNN | SI | Fortune | Business 2.0 | Time © 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.

Home Equity Account Services

Bank of America | Home | Personal Locations • Contact Us • Help • Sign In Search Online Banking Sign In View demo | Learn more | Enroll Enter Online ID Save this online ID Enter Passcode: Account in: the following geographical location Canada ---------- Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia 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 Forgot or need help with your ID? Reset passcode " width="190" height="28" border="0" / Sign In to Other Services Service My Mortgage Online Investing Future Scholar Military Bank Online Account Shortcuts Open an Account Checking Accounts Savings Accounts CDs Credit Cards Mortgages Home Equity Account Services Reorder Checks Set up direct deposit Request a Check Card Link accounts Change Address Change Phone Number ATMs & Banking Centers Address: City: State: Choose State Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Dist. of Columbia 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 or ZIP Code: Banking Centers ATMs More Location Search Options " / " / Online Services Online Banking with Bill Pay | Other Online Services Checking & Savings Overview | Checking Accounts | Savings Accounts | CDs | Keep the Change™ Cards Credit Cards | Check Cards | Gift Cards Loans & Home Buying Overview | Mortgages | Refinance | Home Equity | Auto Loans | Education & Other Loans | Movers Resource Center | Real Estate Center Investments & Wealth Management Investment Services | Premier Banking & Investments | The Private Bank | Family Wealth Advisors | IRAs | Columbia Funds | Trust Services | 529 College Savings Plans | Charitable Giving Program Specialized Banking & Additional Services Military Bank | Student Banking | Accessible Banking | Insurance | Foreign Currency / Travelers Cheques | SafeSend Money to Mexico Financial Education & Tools Overview | Savings & Budgeting | Home Purchase | Loans & Credit Cards | Credit Management | Investing | Retirement | Estates | Taxes | Education | Car Purchase En Espaol Your Security and Privacy Partner Learn how we're committed to your security Protect yourself against fraud Guard against scams with the free Bank of America Toolbar " border="0" hspace="5" vspace="5" / Online statements provide security you can bank on. Learn more " border="0" hspace="5" vspace="5" / A simple way to invest online. Now trade for as low as $7. Learn more " border="0" hspace="5" vspace="5" / Home Equity Line of Credit. No fees to get it, use it or keep it. Learn more Visa® Platinum 0% fixed introductory APR* and no annual fee. Learn more Shopping for competitive auto insurance? Get a convenient and free rate quote today. Learn more " border="0" / Service agreement Privacy & Security • Careers • Site Map Investment products provided by Banc of America Investment Services, Inc.®: Are Not FDIC Insured May Lose Value Are Not Bank Guaranteed Banc of America Investment Services, Inc is a registered broker-dealer, member NASD and SIPC and is a nonbank subsidary of Bank of America, N.A. Bank of America, N.A. Member FDIC. Equal Housing Lender © 2005 Bank of America Corporation. All rights reserved.

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Bulgaria property portal, buying property in bulgaria, buy bulgarian properties, bulgarian properties - imoti.net Property in Bulgaria Bulgarian Regions About Bulgaria Buying information bg Bulgaria 's biggest property portal - Search for any real estate for sale or for rent ( imoti = real estate in bulgarian) Sales Rents Off plan property Agents Home Agent login Articles Real estate forums Search for sale for rent investment email alert saved list email alert Get ads that match your criteria sent straight to your inbox. Create email alert Agencies Find a Real Estate agent News Real estate news Expo and forums Tourism Region info Sites international properties Buying information Having in mind that in two years Bulgaria will be joining the European Union, the Bulgarian property market presents very good possibilities for potential investments which can be quite profitable in the long-term. There are diverse offers on the market which can meet different requirements and have considerably better value for money than in other European destinations. Most of the people looking for property in Bulgaria usually want to find holiday home but the number of investors who buy property in order to profit in the long term is also increasing. If you start to consider buying a property in Bulgaria you have to take into consideration the following points: 1. First of all, you have to identify a property which corresponds to your requirements. 2. If you want to buy land as well, take into consideration that you’ll have to register a company as the law still doesn’t allow the purchase of land by foreigners. 3. If you do not want to acquire the land, then you directly move to the next step, i.e. negotiate the price of the property. 4. Then you can sign a preliminary contract and the property will be removed from the market. 5. The next step is to carefully check the title deed documents, licences and permissions, debts on the title and terms of contract. 6. From there you proceed to signing of the contract of purchase and confirming in front of a notary public the buying of the property. 7. If you have completed all the previous steps, it means that you are already an owner of property in Bulgaria. 8. Do not forget to insure you property after the purchase. 9. Remember to register your new property with the local authorities within 60 days following completion of the deal. What can be found on the market? The prices for a villa close to the sea are about £30,000 and for the ones in rural areas they can be even around £5,000. In many cases though, you will have to make some refirbishments in order to have the usual standards of living. In all cases, it is advisable to personally visit the property and not to buy it after judging only the photos. You can also consider the purchase of a new development under construction, which is now wide spread practice, especially in the capital, in ski resorts and on the coast. Properties may be purchased 'off plan' either directly from the developer or via brokers. Law on foreigners owning property in Bulgaria According to the Bulgarian Constitution, foreign individuals can buy buildings but not land. Therefore, the most common method for foreigners buying property in Bulgaria where they also wish to own the land is to set up a company which then owns the land and the buildings. The law is expected to change on this within the short to medium term with the expected entry of Bulgaria into the European Union (2007). This historic restriction is one of the reasons why property in Bulgaria is so competitively priced compared to Western and Central Europe. Current amendments to the constitution will allow citizens of countries with which Bulgaria has agreements on land sales to buy land in 2007 when the amendments would come into effect, while EU citizens will have the right to buy land in 2014. In the meantime a company is still required for land ownership. If your purchase includes land a Limited Liability Company (OOD) will need to be formed. Who can form a Limited Liability Company & how? A foreign or Bulgarian person (judicial or physical). The company owners will be liable for the company's obligations to the value of his/hers share in the company's registered capital. Articles of Incorporation are prepared & signed by all shareholders. A company bank account is opened to collect all share capital. The minimum share capital required is 5,000 leva. Shareholders at time of registration must have paid up at least one third of their respective shares. It is required that at least 70% (3,500 leva) of the capital is raised at time of registration. The company exists from the moment it is added to the Commercial Register of the district court of where the company will be based. The entry is made upon issue of a district court decision for the incorporation. The following documents must be available at the time of the submission of the application to the district court: 1. Articles of incorporation; 2. Memorandum for appointment of Directors; 3. Proof that each shareholder has paid at least one third of its interest, but not less than 10 leva; 4. Proof that at least 70 per cent of the registered capital has been paid. The Bulgarian State Gazette is the official paper within which all Bulgarian legislation is published. Publication of the company entry in the Commercial Register does not complete your company formation, it announces to the general public the act of formation. The process of forming your company can take anywhere between a few days to a few weeks. Finally, your new company will need to register immediately with the National Tax Register Authority. The costs involved are: 3,500 leva = 70% share capital. Administrative costs (payable to the state & registration court) are 250 leva (just over £70). This is the minimum capital that you need to raise for registration. Once the entire share capital has been paid up these funds can be accessed and withdrawn. Allow betwen EUR 500 - 700 for charges relating to the formation and registration of your company. Real Estate Tax According to the Bulgarian tax legislation the buyer has to pay notary and municipal fees. The notary fees are paid on the higher of the market price or the book value of the property at varying rates, with the maximum being BGN 3,500. In addition, 2% of the market value of the property is paid to the municipality where the property is situated upon completion of the purchase. Local taxes and rates The owner of a building or land in Bulgaria has to pay a property tax. The tax is equal to 0.15% of the book value of the property. There are no local taxes for arable land. The owners also have to pay waste-collection fees which are determined when the ownership is registered with the municipality, which should be done within 60 days of completion. Value Added Tax Transactions with land and lease of property for residential purposes are exempt from VAT (Value Added Tax), all other real estate transactions are subject to VAT of 20% if the seller is VAT registered. The buyer is entitled to a VAT refund, provided that it is registered for VAT purposes. Real Estate Agencies The Real Estate Agencies have varying charges for their services - from 3% of the purchase price to about 10%! Some agencies can also set up a “minimum” commission which does not depend on purchase price. Some agents may also charge for the viewing of the properties. 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Selling Home

Century 21 Real Estate: home buying, home selling, financing and property listings. 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 . -- Welcome to Century 21 Real Estate Century 21 Real Estate is your online resource for home buying, home selling, financing and property listings. Whether it's a house, condo, or any other type of property, we can assist you with your real estate needs. Search for Properties Looking to buy a new home, condo or any other property? Search thousands of properties in our real estate listings. Search Property Listings » First Time Homebuyers Guide » View Our Buyer Service Pledge » International Century 21 Real Estate LLC is part of the largest real estate referral network in the world - with over 110,000 brokers and sales associates in over 30 countries and territories. Access our world offices today» Sell a Property Let our real estate agents create a customized marketing plan to sell your property. List your Property » View Our Seller Service Pledge » View Mortgage Rates View current mortgage rates, apply for a home equity loan, crunch numbers with home mortgage calculators and more! Apply for a Mortgage Now» Use Our Mortgage Calculators » Find an Office or Agent Find and contact a CENTURY 21 Office or Agent to handle your real estate needs. Find an Office or Agent » Quick Vote! Your vote counts! Let us Know Where do you spend the most time? Bedroom Living Room Kitchen Bathroom Dining Room ©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.