Real estate prices and


Real Estate Price Indices - Statistics Sweden Find: A-Z Content Search Find more on the website --------------------------- Agriculture, forestry and fishery Business activities Citizen influence Culture and leisure Education and research Energy Environment Financial markets Health and medical care Household finances Housing and construction Information technology Judicial system Labour market Living conditions National accounts Population Prices and Consumption Public finances Social insurance Social services Trade in goods and services Transport and communications --------------------------- Use Sweden's Statistical Database Maps About Sweden's Statistical Database --------------------------- Publication plan Publications About the publications --------------------------- International statistics Information and Library Economic statistics Regional statistics Methodology --------------------------- Information services Statistics Sweden's Business Register SCB International Consulting Order international statistics Order Swedish statistics --------------------------- Swedish Statistics Net Other statistical sources Housing and construction Real estate prices and registrations of title Real Estate Price Indices Year One- or two-dwelling buildings for permanent living Sweden Stockholm county of which Greater Stockholm Eastern Central Sweden Smland with the islands South Sweden of which Greater Malm West Sweden of which Greater Gteborg Northern Central Sweden Central Norrland Upper Norrland 1975 59 53 53 60 63 61 58 62 62 56 57 60 1976 68 62 62 68 72 71 70 73 72 66 65 69 1977 79 71 71 79 83 81 80 84 83 75 78 78 1978 89 83 83 90 92 91 91 93 92 85 90 86 1979 98 94 94 97 100 101 101 101 101 93 101 94 1980 101 100 100 100 105 103 102 104 104 97 103 99 1981 100 100 100 100 100 100 100 100 100 100 100 100 1982 101 101 101 101 100 100 100 101 101 101 104 102 1983 101 103 103 101 99 100 100 102 104 101 104 102 1984 105 106 105 103 102 103 105 107 110 103 105 107 1985 109 111 111 107 104 107 109 114 116 106 107 110 1986 115 121 121 111 108 111 114 120 126 110 112 115 1987 130 147 148 125 118 124 129 135 148 120 123 125 1988 154 187 189 147 133 145 157 162 181 137 134 139 1989 181 222 224 170 151 176 195 192 217 158 151 161 1990 203 246 247 190 173 204 229 213 242 178 168 179 1991 217 254 254 204 190 228 258 226 253 190 180 193 1992 197 216 217 189 180 209 231 203 219 179 173 182 1993 175 183 184 167 168 185 197 179 189 165 154 164 1994 183 201 202 172 175 194 208 186 199 168 158 169 1995 184 204 206 171 176 196 210 187 200 167 152 166 1996 185 205 207 173 178 200 213 188 201 168 153 165 1997 198 230 233 182 185 214 230 202 220 171 156 170 1998 217 265 269 197 202 235 261 219 249 179 161 179 1999 237 303 308 212 214 262 302 238 274 186 168 188 2000 263 365 374 231 227 290 346 259 305 193 173 195 2001 284 402 411 248 242 314 374 278 328 203 178 205 2002 302 426 434 271 257 337 403 296 351 213 185 214 2003 322 436 443 292 275 368 445 327 394 225 194 219 2004 353 468 475 317 298 410 503 369 446 244 206 236 q1 2005 364 481 488 328 305 427 530 384 466 249 213 241 q2 2005 377 492 499 338 316 446 545 398 482 260 218 257 q3 2005 392 506 514 351 327 464 564 416 503 270 235 266 Source: Statistics Sweden Top of page Updated: 2005-11-28



home equity loan? How

Home equity brochure Office of Consumer Credit Commissioner Home Equity Loans in Texas: Frequently Asked Questions Printer-friendly PDF version What is a home equity loan? How much can I borrow? Why can't I borrow against more than 80% of the home's value? How are home equity loan interest rates determined? What other costs are involved? What if I feel a lender has overcharged me on closing costs? Are there different kinds of home equity loans? Can I set up a line of credit with my home equity? How can I use the money? What if I change my mind? How many home equity loans can I have? Why do I have to wait a year to refinance a home equity loan? Could a lender foreclose on my home if I'm late paying on a car loan or a credit card? What else should I know? What are some other helpful resources? Top of Page What is a home equity loan? A home equity loan is a financial product that allows a borrower to use the market value of a home as collateral for a loan. Loans secured by real estate generally are considered safer by lenders, resulting in lower interest rates than for other types of loans. Equity is easily calculated by subtracting the amount owed on the home from the current market value. For example, if a house with a market value of $100,000 has an outstanding mortgage of $30,000, the homeowner has equity of $70,000. If there were no mortgage or other type of lien on the house, the homeowner would have $100,000 in equity. Top of Page How much can I borrow? Through home equity loans, Texans can borrow money using up to 80% of the value of their homes as collateral. Consider the example of a home valued at $100,000 with an outstanding mortgage debt of $30,000 and $70,000 worth of equity. Because homeowners are limited to borrowing no more than 80% of the home's value, the homeowner would simply calculate 80% of $100,000 ($80,000) and then subtract $30,000 to arrive at a maximum loan amount of $50,000. Total mortgage debt, including the amount of any existing mortgages plus the projected home equity lien, cannot exceed 80% of the home's current fair market value. Homeowners with 20% or less equity in their homes are not eligible for home equity loans. Top of Page Why can't I borrow against more than 80% of the home's value? Texans voted to limit the loan amount to 80% to help prevent overextensions of credit and protect our economy during times of economic slowdown. Top of Page How are home equity loan interest rates determined? Market competition and conditions determine the rates in general; the borrower's own credit history will further affect the rate offered. Home equity loans usually have lower interest rates than do other types of consumer loans, such as loans secured by personal property or loans secured simply by a borrower's signature (unsecured loans). First mortgages (the primary loan on a house) generally have the lowest interest rates. As with any financial arrangement, you should shop around to find the best deal. In the Consumer Assistance section of our Web site are links to some handy online calculators that will help you compare loan programs. Top of Page What other costs are involved? Lenders can charge certain fees, usually called closing costs, in addition to interest. On a home equity loan, closing costs cannot exceed three percent (3%) of the principal amount borrowed. Prepaid interest, also known as points, is not subject to the 3% cap. Top of Page What if I feel a lender has overcharged me on closing costs? As a savvy consumer, you should always carefully examine a loan agreement before signing it. Have the lender thoroughly explain the contract's fee structure; you'll discover that any points you've purchased are not considered part of the fee amount subject to the three percent limitation. If a lender has overcharged you, you must give the lender a chance to correct the mistake (called curing the loan) before you can take legal action against them. You need to send a written request to the lender specifying the error so that the lender can issue a corrected loan agreement and refund any amounts due. For more information on this process, contact our Consumer Helpline at 800.538.1579 or send your questions to us via e-mail . Top of Page Are there different kinds of home equity loans? No, but a home equity loan can hold either first lien or junior lien (often called second) position. If you own your home outright and take out a home equity loan, it will be considered a first mortgage because it is first in line to receive payment if the home is sold or a borrower defaults. If you refinance an existing first mortgage, and pledge some of your equity to receive cash in hand, you will still have just one-but larger-first mortgage. In this loan, generally called a cash out re-fi, the dollar difference between the original mortgage and the refinanced mortgage is the home equity loan amount. A secondary mortgage is a loan secured by a house that already has at least one other mortgage or lien. Taking out a home equity loan in addition to a first mortgage places a second lien against the home. The law prohibits a homeowner from having more than one home equity loan at a time, although a homeowner may have secondary liens from other sources, such as a home improvement loan or a tax lien. Top of Page Can I set up a line of credit with my home equity? As of September 2003, Texans can establish lines of credit using up to 50% of the value of their homes as collateral (as opposed to the 80% allowed on standard loans). Top of Page How can I use the money? However you choose. There are no legal restrictions regarding how you use your loan proceeds. Top of Page What if I change my mind? The law requires a 12-day waiting period from the time an application is taken AND a legally mandated written consumer rights notice is given to the borrower. For example, if a potential borrower submits an application on Monday, but doesn't receive a copy of the consumer rights notice until Wednesday, then the 12-day countdown would begin on Wednesday. The 12-day period is measured in calendar days (rather than business days) per the Home Equity Commentary issued by this office. Once the waiting period has passed, the loan can be closed. Further, the homeowner or homeowner's spouse may still cancel the loan agreement without penalty within three days after closing. Top of Page How many home equity loans can I have? A borrower may have only one equity loan at a time. Furthermore, it cannot be refinanced more frequently than once a year. Because of this limitation, it is crucial to shop for the best terms among lenders. It is also important, as in any credit transaction, to compare the total costs of a home equity loan to other types of credit available to the consumer. For example, a borrower might not face a prepayment penalty for early payoff of a home equity loan. However, if the loan is paid off early, a home equity loan could end up being more expensive than an unsecured loan with a higher interest rate if you paid closing costs and points. To better determine the best solution to your situation, see the financial calculators in the Consumer Assistance section of our Web site for help crunching the numbers. Top of Page Why do I have to wait a year to refinance a home equity loan? Texas voters placed this provision in the Texas Constitution as a consumer protection. Because closing costs and points are collected each time a mortgage loan is closed, generally it's not a good idea to refinance often. Top of Page Could a lender foreclose on my home if I'm late paying on a car loan or a credit card? On a standard car loan, the car itself is the collateral, and Texas law prohibits using a person's homestead as additional collateral on the same loan. However, if a homeowner decides to take out a home equity loan to pay off credit card debts or buy a car, the home is then collateral for the home equity loan and can be foreclosed on if the homeowner does not make payments on time. Top of Page What else should I know? It's always a sound practice to shop around for a loan, but don't fill out any applications until you've picked the company you definitely want to work with. Filling out too many applications may unduly harm your credit report. Before you sign on the dotted line, find out what kind of experience other consumers have had with your potential lenders. Check out lenders with the Better Business Bureau . The Office of Consumer Credit Commissioner regulates certain home equity lenders and offers a Consumer Helpline for credit-related questions at 800.538.1579. We can let you know about consumer complaints we have on file. To get more information about home equity issues or to request lender complaint files, visit our Consumer Assistance page. Other Helpful Resources Texas Office of the Attorney General Consumer Protection Hotline: 800.252.8011 Federal Trade Commission Consumer Response Center: 877.382.4357 U.S. Dept. of Housing & Urban Development Main number: 202.708.1112 State of Texas / TRAIL (Texas Records and Information Locator) Texas Finance Commission / Department of Information Resources Sunset Advisory Commission / Privacy Policy Open Records Requests En Español



Home For Sale

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Featured Listings: Would you like your listing featured here? Click for more information. Pearce, Arizona SUSTAINABLE COUNTRY LIFESTYLE, high desert location at the base of the Chiricahua Mountains. Strawbale home is both active and passive solar, great natural beauty! Your choice of 4 or 20 acres Portland, Oregon History, character and a healthier way of life. All that, and great accommodation, recently expanded to include 4 living areas, 4 bedrooms and 3 1/2 bathrooms, all suffused with light.Finish materials were carefully selected for environmental sensitivity. Lyons, Colorado This 2 bedroom flat is located within a cohousing community committed to environmental sustainability. Act quickly to pick the options and upgrades in this home. 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Green Homes for Sale Newsletter Sign-up: Email: Name: For more info - contact us. New GHFS Features: 20 pictures of your home: Sellers can upload up to 20 pictures of a home. You will also be able to choose the image that will be the headline image and rank all the other images. Edit your listings: Sellers are now be able to edit listing(s) easily and on line. With your new user name and password you will have access to the members/sellers control panel which will allow members/sellers to update email address and phone numbers and the price and any other info that is displayed in a listing. Security For Sellers: To protect the email addresses of our sellers and to be sure that potential buyers have accurate email addresses we do require a free registration for anyone wanting to contact a seller. Control Panel: Sellers and members have access to a control panel to manage listings. Personal contact information can changed whenever you wish. The control panel is the launching pad for adding properties and photos. Everything in a listing can be edited and fine tuned to your liking including the display order of your photos. My Saved Listings: Sellers and members can store listings that interest them for future review. Remembers all email sent and received: GHFS saves copies of all email members send to sellers. Sellers will have copies of all email sent to them and members will have copies of all emails sent to sellers. Links to personal home page: Sellers will be able to add links to personal home pages . Home Search Homes Browse Homes Sell Your Home Newsletter FAQ Testimonials Contact © ALL RIGHTS RESERVED www.GreenHomesForSale.com Terms of Use Privacy



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Ventura County - Property Tax Information Search for Property Information Please note that credit card payments will not be accepted after 11:45 PM on Monday, April 12th. Tax payments sent in the mail must have a postmark no later than April 12th to be accepted without penalty. Check with your local Post Office for closing times or call toll free to 1-800-275-8777. End April message -- Please note that credit card payments cannot be accepted after 7:00 PM on Monday, June 30th. At that time, the Tax Collector's Office will begin merging the unpaid Secured and Supplemental tax charges to create the 2003-2004 Redemption (past due taxes) tax roll. Any remaining tax charges on the 2002-2003 Redemption tax roll will not be shown here until the merging process is completed. We expect to have the information available again on July 20th. End Year End Message ML -- Notice of Scheduled System Maintenance for County Websites End System Outage Message ML -- Using your Assessor's Parcel Number (APN) is the fastest way to locate your property. While property searching by address will be successful under most circumstances, there may be some properties that will not be found due to unusual address configurations. Please enter the Assessor's Parcel Number (APN) or address below and press the 'Search' button. Assessor's Parcel Number (APN): OR Address: * Street Number and Street Name are REQUIRED to search by address. North South East West Alley Avenue Boulevard Creek Circle Court Drive Freeway Highway Lane Loop Path Park Place Parkway Plaza Road Route Row Square Street Trail Terrace View Walk Way Other -- * Street Number Direction * Street Name Unit # Bell Canyon Camarillo Fillmore Fillmore North Lockwood Malibu Moorpark Oak Park Ojai Ojai North Oxnard Ozena Port Hueneme Piru Point Mugu Rincon Simi Valley Santa Paula Thousand Oaks Unincorporated Ventura Westlake Vlg Other City Assessor's Homepage | Tax Collector's Homepage



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Colorado HomeFinder | Lakewood Real Estate, Search Lakewood Homes for Sale in the MLS Call 800.231.9153 | Contact Us If you already have an account, sign in here Lakewood Colorado Real Estate - find out first about the newest Lakewood real estate listings! You learn about Lakewood homes for sale the day they hit the market - before other buyers. Automated HomeAlert emails you new listings that fit your personal home search criteria and gives you access to all the Lakewood Colorado real estate listings. It's easy - Just submit your email address and home search criteria. Your email is not shared or sold to anyone. You incur no obligation or cost for this free Lakewood real estate service. Our Privacy Policy: We respect your privacy. All information provided is strictly confidential and you can unsubscribe at any time. Colorado HomeFinder will never sell or share your information with any outside parties. Click here to review our Privacy Policy . Your Automated HomeAlert Search Criteria * Required information Property Type: * Please select... Single Family Condominium or Townhome Any Property Price Range: * From Price.. 75,000 100,000 125,000 150,000 160,000 170,000 180,000 190,000 200,000 210,000 220,000 230,000 240,000 250,000 275,000 300,000 325,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 - To Price.. 100,000 125,000 150,000 175,000 200,000 225,000 250,000 260,000 270,000 280,000 290,000 300,000 310,000 320,000 330,000 340,000 350,000 375,000 400,000 425,000 450,000 475,000 500,000 525,000 550,000 575,000 600,000 625,000 650,000 675,000 700,000 750,000 800,000 850,000 900,000 950,000 1,000,000 2,000,000 5,000,000 10,000,000 Min Bedrooms: 1 2 3 4 5 Min Bathrooms: 1 2 3 4 Min Square Feet: No Preference 500 600 700 800 900 1,000 1,100 1,200 1,300 1,400 1,500 1,600 1,700 1,800 1,900 2,000 2,100 2,200 2,300 2,400 2,500 2,600 2,700 2,800 2,900 3,000 3,250 3,500 3,750 4,000 4,500 5,000 6,000 Age of Home: No Age Preference New Construction Only 5 years or less 10 years or less 20 years or less Older than 50 years City Preferences: * Lakewood Select at least one city... Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Please select if necessary Arvada Aurora Berthoud Boulder Broomfield Castle Rock Denver Englewood Erie Estes Park Evans Evergreen Firestone Fort Collins Fort Lupton Fort Morgan Frederick Golden Highlands Ranch Johnstown Lakewood Lafayette Littleton Longmont Louisville Loveland Lyons Nederland Niwot Parker Severance Superior Thornton Wellington Westminster Windsor Contact Information Name: * First Name: Last Name: E-mail: * (Valid email address is required to receive listings) Re-enter E-mail: * Phone Contact: * Home Phone: Work Phone: Information that will help us serve you better Your level of Interest: * I have a HIGH interest in buying a home and am ready to start visiting homes now. (Please provide your phone number) I have a MEDIUM interest in buying a home, but I just started my search and need to become more familiar with the market. I do not have any definite plans to move at this time. I am just curious about the listings that are currently on the market. I currently: * live in Colorado plan to move to Colorado Your Comments Any additional information that will help us better understand your needs I agree with Colorado HomeFinder Terms & Conditions Just getting familiar with Lakewood Colorado real estate? Or, do you know the exact street where you want to live? No matter what stage you are in your Lakewood home search, Automated HomeAlert is for you! The latest technology makes finding Lakewood homes for sale easier than ever ! Automatic email notification of new listings and access to all the Lakewood real estate listings from all the brokerages saves you time - and makes searching for homes fun. You are in control! Colorado HomeFinder lets you search for Lakewood real estate at your own pace. If you are just thinking about a buying a home, no problem...the Automated HomeAlert System is a great way to get familiar with the Lakewood Colorado real estate market. If you are ready to start seeing Lakewood homes in person, just let us know. Our local, licensed Lakewood REALTORs can show you any property on the market. Get matched with a great Lakewood REALTOR When you're ready for the assistance of a Lakewood REALTOR, we will match you with the Colorado HomeFinder REALTOR that knows your target market best. Colorado HomeFinder agents are hand-picked REMAX professionals that average over 15 years of experience. We're a Colorado company, not a national referral service with a "list of agents." Our REALTORs are some of the best in the business and are true Lakewood Colorado real estate market experts! 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