Home Loan

Sallie Mae, the nation's number one paying for college company. About us | Investors | News | Working@SallieMae | Contact us -- Manage Your Loans SM log in User ID Password Your account is secure . Enroll now! Log in today and you could win $25,000! Forgot user ID? Forgot your password? ¿Tiene alguna pregunta acerca de ManageYourLoans.com? © 1995-2005 Sallie Mae. All rights reserved . | Privacy . | Terms of use . | Avoid online fraud . SLM Corporation. and its subsidiaries (other than the Student Loan Marketing Association) are not government-sponsored enterprises or instrumentalities of the United States of America. -- SLM Corporation and its subsidiaries are not sponsored by or agencies of the United States of America. Plan for college Apply for a loan Manage your loans Additional financial services Preparing Selecting Applying Applying for financial aid Finding free money Glossary FAQs Borrowing for school Tracking your loan Financing your child's education Student specials FAQs Getting started Finances after school Being on time pays! Make a payment Change payment plan Difficulty paying? Postpone payments Insurance Home mortgages Investments Personal loans Communications Undergraduate students • Federal Stafford Loan • Signature Student Loan • Federal Perkins Loan • Community College Loan Graduate students • Graduate Loans • MBA Loans • Law Loans • Medical School Loans Parents of students • Federal PLUS Loan • Tuition Answer Loan • K-12 Family Education Other loans • Federal Consolidation Loan • Tuition Answer Loan • Career Training Loan • Continuing Education Loan Solutions for institutions • For Schools : Discover how we can help you with the business of education. • For Lenders : Log in to access loan data. • For Guarantors : Online account access and support tools.

Rental property at Emirates

Rental property at Emirates Hills | Real Estate Thursday, December 29 - 2005 Home | E-mail | MediaCentre | User Login AME Info - Middle East Finance and Economy AME Info - Arabic Version Index : Real Estate Browse related articles « Previous article Next article » Rental property at Emirates Hills United Arab Emirates: Monday, December 19 - 2005 at 07:24 Tameer Holding is building new residential units, which it will offer for rent only, in its $13.6m Al Shahd tower at Emirates Hills in Dubai. The 17-storey tower has a total of 168 studio, one and two bedroom apartments. It is due to be completed by March 2007. ARTICLE OPTIONS Add to Watchlist Save E-mail Print Also consider reading: » Wimbledon properties on sale » The Wave, Muscat, first 200 villas » Kempinski Palm Jumeirah Residence » Emaar, $4bn Indian realty FDI » $270m Business Bay land auction » RAK gets new container terminal » ETA Star launches The Centrium » DDF to build hotel » UP, ADCB mortgage deal » Mada'in Real Estate launched James McInerney, News Editor Monday, December 19 - 2005 at 07:24 UAE local time (GMT+4) Replication or redistribution in whole or in part is expressly prohibited without the prior written consent of AME Info FZ LLC. Index : Real Estate Browse related articles « Previous article Next article » Today's most read articles: » Dubai pedestrian bridges » Siemens $2.1bn Saudi contract » Foreign ownership change on way » Dubai Sports Channel rebrands » UAE banks head for record growth Most read articles the past week: » Mobius notes Dubai oversupply » Dubai buys $100m German mall » $4bn Qatargas 3 and 4 contract » The Palm 10 year wait » MPs oppose $8.5bn Project Kuwait Disclaimer: The information comprised in this section is not, nor is it held out to be, a solicitation of any person to take any form of investment decision. The content of the AME Info Web site does not constitute advice or a recommendation by AME Info FZ LLC and should not be relied upon in making (or refraining from making) any decision relating to investments or any other matter. 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Bush created the Department of Homeland Securityafter the September 11 attacks, the sprawling agency stillfaces management problems that were partly to blame for thepoor response to Hurricane Katrina, an internal audit showed. Detroit Mayoral Challenger Drops Recount (AP) AP - Elections officials on Thursday ended a hand recount of ballots in the Detroit mayor's race at the request of challenger Freman Hendrix, who earlier asked for the new tally after losing to incumbent Mayor Kwame Kilpatrick. University: Hwang Lied About Stem Cells (AP) AP - An already disgraced scientist lied about all of the stem cell lines he claimed were matched to different patients through cloning, investigating researchers said in a new jolt to the shattered reputation of Hwang Woo-suk. 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Land Loan Tools  

Indymac Bank Construction Lending Indymac Bank home   |   about us   |   contact us   |   privacy   |   ID notice   |   security   |   careers    1-800-HCL-LOAN (425-5626)   HCL for Individuals   Main Page   Get To Know Us   Get Started Now!   My Project Application   My Loan Information Loan Products   ·   Construction-to-Permanent Loan   ·   Remodeler Loan   ·   Bridge Loan ·   Lot/Land Loan Tools   ·   Line Item Budget Calculator Find A Builder --   ·   Cost To Build Calculator -- Event Calendar -- Help   ·   FAQs   ·   Glossary Customer Service --   ·   Contact Us Lot/Land Loan Found the perfect location to build your dream home ...and now you need the perfect loan? Our Lot Loan is the right loan if you're looking to purchase a residential lot to build your primary residence or second home. Once you have purchased your land, you will have time to design your new home and choose a contractor. Best of all, Indymac Bank will fund your Construction-to-Permanent Loan once you're ready to build. · Loans to $500,000. -- Frequently Asked Questions Check to view all answers. Q. How do I know where I should build my home? A. Location may be one of the most important factors to consider. Although many people have a geographic location in mind, some are open to alternatives. It's important to consider your lifestyle (and those you'll be living with) as well as the cost. If you're planning a family, schools will be important. If not, you may want to consider other factors such as proximity to work, or accessibility to the beach, the mountains or leisure activities. Q. What is a "finished lot"? A. A "finished lot" refers to a portion of land that already has road access and utilities in place to the lot boundary. Additionally, it has been approved by the city or county as a separate parcel of land on a parcel map. Q. Can I buy a piece of land that is not a finished lot and save some money? A. While it may be possible to purchase an unfinished lot, generally this is not advisable for an individual building their own home. The costs of bringing roads and utilities to the first lot in a new area are usually very high. Typically, the first person to build pays for others who will build later. There are land developers who specialize in preparing lots for building (this may include zoning and/or soils issues, as well as bringing roads and utilities to the site, and creating a building pad). Often, these lots are in a planned community. Q. What do you mean by "planned community"? Aren't all communities planned? A. No, many older communities were not planned; they evolved. Certainly, as a city has grown, plans have taken shape. But in many cases the nucleus of a community was started many years before the community or city planning existed. In many instances, it is this unplanned characteristic that gives a community its charm. A planned community, in contrast, generally offers a specific style and certain amenities at a package price. Depending on the size and location of the community, these amenities may include greenbelts, landscaping, biking trials, swimming pools, even schools and shopping centers. Some amenities, such as the community pool and greenbelts, are paid for through a homeowners' association. Others are paid through taxes or mello roos. Still others are design enhancements intended to encourage potential buyers to purchase in an area or to attract more commercial business. Many of the more costly amenities included in a planned community may not be affordable for a homeowner on an individual basis. However, some of these amenities may not be important to you. After all, priorities, like lifestyle, vary. If you select a home in a planned community, you'll generally have a more structured community where decisions are made jointly rather than by the individual homeowner. These community decisions include individual home design and landscaping. While some homeowners may consider this an acceptable trade-off to ensure an attractive environment, others may consider it an infringement on their rights. It's important that you know how you feel before selecting the type of lot you want. Q. Can tax bases differ within the same community? A. Yes, they can. While some cities already have parks, schools, and streets, newer communities built within the same city may have special assessments that cover the costs to develop or maintain new or existing parks, schools, streets, etc. These assessments may be for a prescribed period of time or may continue indefinitely. A little research goes a long way. Here again, a good real estate agent or title company officer can often provide you with this information. Q. I've found the perfect location, but I'm not ready to build my dream home. Can I obtain financing for the land only? A. Yes, you can obtain a Lot Loan. Typically, this is short-term financing for the purchase of a residential lot suited for future construction. This loan allows you time to select an architect, builder, and design your dream home. IndyMac Bank's Lot Loan program allows you to finance up to 50 acres. And when you're ready to build, we offer a one-time close Construction-to-Permanent Loan. ^ back to top Still have questions? Call toll-free 1-800-HCL-LOAN (425-5626) to speak with a construction loan specialist, or downloada copy of our booklet (pdf) that answers the most frequently asked questions about building your own home. Information Center · Glossary · FAQs -- FAQs · Get To Know Us · Building Your Dream Home Magazine (pdf) · Owner Builder Guide (pdf) Consumer Guide to Construction Financing (pdf) Did You Know A Construction Loan Is A Reimbursement Loan? (pdf) subscribe now -- Get Started Now! Apply online 24 hours a day, 7 days a week, and get a loan approval in minutes! get started -- e-mail/mail us | 1-800-HCL-LOAN (425-5626) Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback Licensing | Terms of Use | Site Feedback -- Licensing | Terms of Use | Site Feedback -- ©2005 IndyMac Bank, F.S.B. Registered trade/service marks are the property of IndyMac Bank, F.S.B. and/or its subsidiaries.

real estate listings, homes

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 International Assignments: Cost, Benefits, Issues Explained Have you ever thought about moving your family to Europe, Asia, South America, or Australia? The more you think about the possibilities, the more questions come to mind. The discussion with a spouse won’t be quite the same as one about a move across country. … >> 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

buy property in order

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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