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PROPERTY IN SPAIN Property in Spain Property in Spain . Section for people wanting to buy, sell or rent property in Spain. Buying property in Spain Property market in Spain - News Buying a house in Spain - tips Buying a house in Spain - faqs Buying a house in Spain: taxes Mortgages in Spain Mortgages for non-residents Buying land in Spain Spanish banks Investing in property in Spain Renting accommodation in Spain Revaluation of property in Spain House prices in Spain per region Reasons for living in Spain Helpdesk Property for sale Property for rent Restaurants in Spain Hotels in Spain Shopping in Spain Travel in Spain Spanish culture Spanish recipes Beautiful places in Spain Healthcare in Spain News from Spain Fiestas in Spain Photos of Spain Spanish wines Spanish classical music Blogs about living in Spain Eigentum Spanien Le Marché inmobilier en Espagne Vivienda en España Thinking of buying a house in Spain ? The Spanish property market is a thriving, but complex, sector and more and more non-residents are taking advantage of low interest rates in Spain and reasonable house prices. However, it is very very important to consider all the possible pitfalls involved in purchasing property in Spain. This section is designed to help you to do so. There are many reasons to live in Spain , and lots of benefits to be got out of making a wise property purchase here. But, as is the case in any big, profitable sector, there are also alot of sharks swimming around in the real-estate sea, dying to get their jaws around that sales commission. So be very very careful , make sure you read as much as you can about how to protect your rights and your investment before taking the plunge. Learn the basics before you start looking. See our Spanish-English real estate glossary with full definitions of the most important concepts you'll need to know about the Spanish property market. And visit the sections listed below with useful information about the different aspects of buying property in Spain. Latest news on the property market in Spain - selection of news articles related to the real estate market here. Buying property in Spain - our new blog created to answer your questions and inform Mortgages in Spain - a brief introduction to the Spanish mortgage market, how it works and interest rates in Spain Mortgages for non-residents in Spain - details on how to apply for a mortage with a Spanish bank. Spanish banks - before applying for a mortgage, find out more about Spain's most popular banks and Spanish savings banks . Buying a house in Spain - advice to bear in mind if you are thinking of buying a Spanish property in FAQs format. See also tips . Buying land in Spain - special advice for people considering the option of buying land and building their own house. Property taxes in Spain - description of taxes involved in purchasing property and yearly property taxes in Spain . Useful Spanish vocab for buying a house - you should learn at least the basic terms. Check out our pronunciation guide too. Investing in property in Spain - a brief overview and latest figures on the revaluation of property in Spain . Renting property in Spain - if you want to buy to rent, then read this section and our free notice board of property to rent in Spain . Spanish lawyers - information on lawyers fees in Spain for property transactions Helpdesk - if you can't find the answer to what you are looking for, drop us a line and we'll try and help Houses for sale in Spain - take a look at the kind of houses available. Or check out our free Spain property for sale board. Property in Spain. © 2000 Euroresidentes. ItyIs Siglo XXI, Spain. About Euroresidentes

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Free information about buying French property - www.day-tripper.net £1 = 1.40 € Discount Tobacco In Adinkerke Book Hotels 1st Shop In Adinkerke Adinkerke Route 66 Tobacco Alley Tobacco Exit-5 Smokey's In Luxembourg Brazza Page Menu - Property Shows - Workshops - how to - Points to consider - buying - Terms - Land Measurements - SIRET numbers - Services - About us - Related pages Advertising Books / Maps Channel Hoppers Guides - £5.79 Related Pages - Property to Buy - Property to Rent Property to Buy - Points to consider when buying - Property Shows - Estate Agents - - Useful Words/Phrases Services - Architects - Builders / Property Maintenance - Finance - Foreign Exchange - House Insurance - Notary - Removals - Solicitors - Estate Agents - Other information - Hotels in France - French Tourist Offices New to Day-tripper.net? More About Eurotunnel Eurostar Norfolkline PO Ferries Seafrance Speedferries Updated: 24/9/05 Information on buying property (gites, cottages, chalets) in France - www.day-tripper.net the web magazine for visitors to France. French Property for sale Our interest is in the North West of France, in the departments of Nord (59), Pas-de-Calais (62), Picardie (80), Normandy - Seine-Maritime (76), Calvados (14), Manche (50), and Brittany - Ille-et-Vilaine (35), Côtes d'Armor (22), Finistère (29). If you are looking to buy or sell property in this part of France this page will give you the details. If your property is within 45 minutes drive of the port and you would like your gîte or apartment details to appear on this page - e-mail us with your details. We advertise properties for free, although a detailed page can be created with photographs and other details for which there is a charge ( more details ). ZEImmo , 41 rue de Boulainvilliers - 75016 Paris France. Tel: 0033 6 21 07 67 69 Book a fare - www.bestferryfares.com P&O Ferries Norfolk Line Useful outside links www.nexdom.com - Immobilier in France. www.french-property-news.com - French Property News. www.ouicanhelp.com - Any problem, anywhere, any time. www.french-property.com - . - www.infobilan.fr - SIRET numbers. Check if your artisan is legally registered and entitled to work in France. - www.apcm.com - Chambres de Métiers. - www.artisanatweb.com - About artisans in France. - www.avf.asso.fr - Settling in in France? This organisation can help. Aims include: To provide a “welcome service” for anyone who has moved to a new area. To help newcomers to meet new people. To improve the quality of life of each town and to contribute to the development of the region. AVF is a national association with 400 local branches throughout France, run by trained volunteers. - www.saynoto0870.com . www.dominican-republic-real-estate.net - Property for sale in Dominican Republic. North France - Nord (59), Pas-de-Calais (62), Picardie (80) Normandy - Seine-Maritime (76), Calvados (14), Manche (50) Brittany - Ille-et-Vilaine (35), Côtes d'Armor (22), Finistère (29) Riberac, Dordogne - Lectoure, Gers Calculation tools ( conversion tools ) Calculators (Entenial) Area Conversion Mortgage Calculator (Entenial) Notary Expenses (Entenial) Estate Agents Highly regulated in France, Estate Agents must be professionally qualified. Displayed in their office must be; his/her professional Charter (The Charter of Property and Business Transactions), Financial Guarantee document for at least 328,000 euro (if it is less than 328,000 euro he is not entitled to handle a clients money). Federation of Estate Agents (France); www.fnaim.fr . Pas-de-Calais Boulogne - Dieppe - Le Havre - Roscoff - Saint Malo France 123immo SA , 8 rue Jean Jaurès. 81470. Cuq-Toulza. France. Tel: 0033 826 00 31 31. Fax: 0033 563 70 82 86. Abbott Management (property search Provence), Tel: 020 7225 1995. Fax: 0207 225 1905. Fax: 0207 7225 1905. Agence Globe (Gers, Lot and Garonne), Tel: 0033 562 59 01 46. Fax: 0033 562 59 01 47. Agence Hamilton , Tel: 0033 468 72 48 38. Fax: 0033 472 62 26 68. Authentic France, 27 Gresham Road, London. E6 6DS. Tel: 020 8471 8600. Fax: 020 8471 8600. Agence Pierre Chretien - JB Transactions (Auvergne), 4 rue Montgolfier, 63600. Ambert. France. Tel: 0033 473 82 16 74. Fax: 0033 473 82 28 86. Agence Vallée des Rois (Loire Valley), rue de l'Hotel de Ville, 49250. Beaufort en Vallée, France. Tel: 0033 241 45 22 22. Fax: 0033 241 57 13 21. AGERIM Côte d'Azure, 6, av. de Suéde, F-06000, Nice. France - . Tel: 0033 497 03 04 05. Fax: 0033 493 88 26 26. AIMS INTERNATIONAL , Le Bourdonne, 53640. Le Horps. Mayenne, France. Tel: 0033 243 04 26 99. Alpine Apartments Agency, Tel: 01544 388 234. Alpine Residences (Alpine areas), 5 Sky Business Park, Eversley Way, Egham, Surrey. TW20 8RF. Tel: 01784 471 377. Fax: 01784 435 248. A House in France Ltd., - Tel: 020 8959 5182. Fax: -. Beaches International, Tel: 01562 885 181. Brittany - Tel: 0871 717 4163. Charente - Tel: 0871 717 4164. Normandy - Tel: 0871 717 4162. - Collot Immobilier , 7, rue Dragut, 20137 Porto Vecchio. Tel: 0033 495 70 30 47. Fax: 0033 495 70 30 47. (CORSICA) Sue ELLIOT , . Tel: 0033 553 61 91 89. Fax: -. Erna Low, Tel: 020 7584 2841. Francophiles, . Tel: 01622 688 165. Fax: -. FRENCH DISCOVERIES CHARENTE , . Tel: 0033 545 37 69 90. Fax: 0033 545 37 69 99. www.frenchpropertylinks.com , - FrenchProperty Service , property for sale on the net. - French Property Shop (South West France), Clergyhouse, Churchyard, ashford. TN23 1QG. Tel: 01233 666902. Fax; 01233 666 903. Hamptons, Tel: 020 7589 8844. Hexagon France Limited, Webster House, 24 Jesmond Street, Folkestone. Kent. CT19 5QW. (Brittany, Normandy, Pas-de-Calais, Picardie). Tel: 01303 221 077. Fax: 01303 244 409. J. B. French Houses (Brittany & Normandy), Tel: 02392 297 411. KBM Consultancy (Most regions), Unit C, South Cerney Business Estate, Broadway Lane, South Cerney. Glos., GL7 5NX. Tel: 08700 11 31 41. Fax: 08700 11 32 42. E-mail: Leigniel Immobilier, agence de Sens (Bougogne), 14, Place Victor Hugo . Tel: 0033 386 65 20 58. Fax: -. Latitudes French Property Agents , Grosvenor House, 1 High Street, Edgware. Middlesex. HA8 7TA . Tel: 020 8951 5155. Fax: -. Le Lion immobilier , 34, place du Lion d'Or. 59800. Lille. Tel: 0033 320 13 81 81. Fax: 0033 320 13 85 84. (Lille) Live France Group (Languedoc, Normandy and the Midi-Pyrénées), Tel: 0871 717 4143. in France, +33 (0)4 68 45 69 19. Maison Individuelle, Tel: 01707 376 255. Moore Direct Properties, 9 rue d'Auray, 56150. Baud. France. Tel: 0033 297 08 01 75. Fax: 0033 297 08 01 76. Normandy Search Agent, Tel: 0033 231 93 97 43. North and West France Properties - . Tel: 020 8891 1750. Fax: 020 8891 1760. Papillon Properties, Tel: 01799 527 809. Paris Dream Home , Tel: 020 7820 1337. PARIS PROPERTY OPTIONS, 19 Warrior Gardens, St Leonards-on-Sea, East Sussex. TN37 6EB. Tel: 01424 717 281. Fax: 01424 722 387. Properties in France , La Croix de Noël. 49390. Mouliherne. France. Tel: 0121 744 0820. Fax: -. PROPERTIES 47 LTD. (Lot-en-Garonne, Gers, Beziers), Piquepe, 47130. Bazens. France. Tel: 0033 553 95 86 23. Fax: 0033 553 95 22 58. Purlow's Gascony. Tel: 0033 562 67 61 50. Real Estate Languedoc - Agence Immobilière, 35, rue de la Fontaine. 34480. Saint-Geniès-de-Fontédit. FRANCE. Tel: 0033 467 36 34 28. Fax: 0033 467 36 34 02. La Résidence , 17 St Martin's Street, Wallingford. Oxford. OX10 0EA. Tel: 01491 838 485. RURAL RETREATS (Languedoc), Tel: 01524 812 359. Fax: 01524 812 662. Sifex (Southern France), . Tel: 020 7384 1200. Fax: 0207 384 2001. SIMONS (most regions) - PO Box 1737, Fordingbridge, Hampshire. SP6 3QN. Tel: 01425 653 355. Fax: 0870 705 8458. SINCLAIR OVERSEAS PROPERTY NETWORK , The Business Centre, PO Box 492, Leighton Buzzard, Beds., LU7 7WG . Tel: 01525 375 319. Fax: 01525 851 418. Snow & Sea, Tel: 020 7494 0706. Time on Your Hands , Property Search (Calvados, Charente-Maritime, Haute-vienne, Limousin, Poitou-Charente, Provence, Vendée). Transaxia - La Châtre, 178 Route Nationale, 36400. La Chatre . Tel: 0033 254 06 00 60. Fax: -. VEFUK , Tel: (UK) 020 7515 8660. Fax: -. VIALEX INTERNATIONAL IMMOBILIER LTD. , Rue Messager, 47470. Beauville. France. Tel: 0033 553 95 46 24. Fax: 0033 553 95 46 25. WATERSIDE Properties International Ltd. , . Tel: 01892 750 011. Fax: 01892 750 033. ZEImmo 41 rue de Boulainvilliers. 75016. Paris. France. Tel: 0033 6 21 07 67 69 Sort of properties offered 1 - Country house with pool (Tarn) 2 - 16th Century Chateau (Haute Garonne) Fax: 0033 - Web Site; www.zeimmo.com Area; All France. A placing like this from £100 a year - more Finance - Abbey National , Les Arcades de Flandre, 70 rue Saint Sauveur, 59046. Lille. Tel: FR. 0033 320 18 18 17. UK 0800 169 8470. Fax: 0033 320 18 18 55. Free Guide call 0033 320 18 19 80 or freephone 0800 169 84 70. Banque Scalbert Dupont, 9, Rue Royale, BP 182, 62104. Calais. Tel: 0033 321 19 11 96Fax.; 0033 321 97 44 56. Barclays France, Champs Elysées International Branch, 6 Rond point des Champs Elysées, 75008. France. Tel: 0033 1 44 95 13 80. Fax: 0033 1 42 25 73 60. UK 020 7977 4359. - Conti Financial Services , 204, Church Road, Hove, East Sussex, BN3 2DJ. England. Tel: 01273 772 811. Fax: 01273 321 269. - Credit Agricole , 14050. Caen. Cedex, France. Tel: 0033 231 55 67 89. Entenial (French Company) - French Mortgage Connection , Tel: 0800 0745 388. MFS Partners, Tel: 01752 664777. Norwich & Peterborough. Tel: 01733 372 006. Kevin SEWELL Mortgages , Tel: 01380 739 198. Fax: 01380 723 249. - Moneycorp Commercial Foreign Exchange , 2 Sloane Street, Knightsbridge. London. SW1X 9LA. Tel: 020 7823 7800. - Mortgage France , La Fraye Touarte, Route de Gréolières CD6. 06480. La Colle sur Loup. France. Tel: 0033 493 32 13 95. Siddalls Financial Services Ltd ., Lothian House, 22 High Street, Fareham. Hampshire. PO16 7AE. Tel: 01329 288 641. Fax: 01329 281 157. Templeton Associates , Rivers Street Place, Julian Road , Bath BA1 2RS. Tel: 01225 422 282. Fax: 01225 422 2879. Woolwich, Tel: 020 8298 4400 Foreign Exchange ( exchanging money ) Caxtonfx , 2 Motcomb Street, London. SW1X 8JU. Tel: 0845 658 2223 / 0207 201 0509. - Currencies 4 less. Bakery Place, altenburg Gardens, London SW11 1JQ, England. Tel: 020 7228 7667Fax.; 0207 228 76 78. Web; www.currencies4less.com . Foreign Currency Direct Ltd. The Old Malt House, Currencies Court, Old Amersham. Buckinghamshire. HP7 0HL. Tel: 0800 328 5884 / 0044 1494 725 353. Fax: 01494 727 041 / 0044 1494 727 041. Web; www.currenciesdirect.com . Foreign Payments, West End Office, Foreign Payments Limited, 34 South Molton Street. Mayfair. London. W1K 5RG. City Office, Unit 18, St. James's Park Underground Station. 55 Broadway. London SW1H OBB. Tel: 020 7344 9111. Web; www.foreignpayments.co.uk Halewood International Foreign Exchange (HIFX Ltd), Mistress Pages House, High Street, Windsor. Berks. SL4 1LD. Tel: 01753 859 159. Fax: 01753 859 169. Sucden (UK) Limited , 5 London Bridge Street. London. SE1 9SG. Tel: 0207 940 9663. French terms ( more property words/phrases ) Acte de Vente - Deed of sale Compromis de vente - commitment to sell (binds seller and buyer) Conditions suspensives - a condition that states the contract will only become binding if certain things happen. Mandate Exclusive - a mandate where the vendor entrusts all the negotiations to a single agent for a specified period. Mandate Simple - a mandate where the vendor still reserves the right to negotiate in the sale. Notaire - lawyer Promesse de vente - promise to sell (only binds seller) House Insurance ( Travel insurance ) Agence Eaton, Continent Assurances, 28, rue du Lt. Col Maury. BP285. 56008. Vannes Cedex. France. Tel: 0033 297 47 31 97. Andrew Copeland Group, Tel: 020 8656 8435 (property), 020 8656 2544 (motor). Enterprise Tredinnick, Tel: 0033 545 82 42 93. Hiscox Insurance , Tel: 0845 741 3551. London & European Title Insurance Services, Blagrave House, 17 Blagrave Street, Reading. Berks. RG1 1PW. Tel: 0118 957 5000. Fax: 0118 950 5030. Land Measurements When buying a house in France land is usually quoted in Hectares 1 Hectare = 10,000 square metres = 2.5 acres (approx) 8,000 square metres = 2 acres (approx) 4,000 square metres =1 acre (approx) 2,000 square metres = 0.5 acres (approx) 10 Ares =1000 square metres = 0.25 acre (approx) 1 Are = 100 square metres Magazines for French Property Buyers - Notaries A Notary in France is a public officer responsible to the Ministry of Justice. They have to ensure that all the requirements of French Law are satisfied, and that all taxes are paid. They cannot advice you and you should consider engaging your own solicitor. When you buy a property in France the money is always paid directly to the Notary, not the vendor. Title deeds must also be signed in front of a Notary. Other Measurements Plumbing and Central heating - copper pipe sizes in France (outside daimeter sizes) WC Basin Bidet Shower Bath Sink 10mm 12mm 12mm 14mm 16mm 14mm Equivalent sizes relating to British Standard Pipe Threads (BSP) are as follows; 1/4 BSP 3/8 1/2 3/4 1 inch 1 1/4 1 1/2 8/13 mm 12/17 15/21 20/27 26/34 33/42 40/49 Points to consider when buying See as many properties as possible Choose a lawyer who speaks French and understands the French legal system Be aware of the inheritance laws before you sign any document Remember that the notaire acts for both parties Don't even think of gazumping - it's illegal in France. Once an offer has been accepted, no others will be considered. Once the deposit is paid the deal is binding Estate agents fees can be split between the vendor and the purchaser. Check before you proceed. Always check the cost of installing services should they be needed - it could be prohibitive. Add about 10% of the purchase price as a guide to buying costs. There is no leasehold in France so find out about management arrangements when buying a flat. Property Shows Free tickets on 01323 726040. www.french-property-news.com . Property Taxes There are two taxes on all residential property (houses and flats). These are collected by the State for the local authority's. These taxes are assessed at individual rates according to location and can vary substantially. Ask your estate agent for these details when you are looking at properties to buy. 1 - Taxe foncière. As the owner of a property on the first day of January, you are liable for paying this tax which is due for payment by October/November. Penalties or fines are added for late payment, but it is possible to arrange a monthly payment scheme. 2 - Taxe d'habitation. The occupant of the property on the first day of January is liable for paying this tax. Even if you only use the property on occasional visits, if it is furnished and supplied with water and electricity you are liable for this tax. Swimming Pools Eau Sparke , 24700. St. Remy sur Lidoire. France. Tel: 0033 535 82 06 39. PBL (Piscines, Bateaux, Loisirs), Rue Joseph Arnal - ZAE de Bresles. 60510. Bresles. Tel: 0033 344 07 00 98. Fax: 0033 344 07 12 09. Splash Pools, Platts Road, amblecote. Stourbridge. DY8 4YR. Tel: 01384 390 380. Installation throughout France. Workshops / Courses Living France - Living France Magazine runs a serie sof workshops for people interested in buying a property in France. French Magazine - Home Buying France, courses at UK locations. Other Information The Federation of International Property Developers and Agents. Tel: 020 8941 5588. Ideas for housebuilding (in French) - www.ideesmaison.com . - www.avf.asso.fr - Settling in in France? This organisation can help. Aims include: To provide a “welcome service” for anyone who has moved to a new area. To help newcomers to meet new people. To improve the quality of life of each town and to contribute to the development of the region. AVF is a national association with 400 local branches throughout France, run by trained volunteers Services - this section lists many companies, services and individuals who may be of assistance when buying a property in France. Architects Cedric Mitchell Architects , Tel: 01834 831 100. Builders / Property Maintenance - Artisan Anglais. Find an English speaking artisan in France. British Builder, Tel: 0033 321 09 15 25. La Garde Maison, Tel: 0033 243 00 69 47. Gites 'R' Us, Tel: 01526 353 765. Le Manche Property Services, Tel: 0033 233 91 62 84. Welby (Brittany), Tel: 0033 296 87 57 37. - Rural Rénovations , L'Oriardiere, 53700 St Germain De Coulamer. France. Tel: 0033 243 0349 94. Fax: 0033 243 03 49 94. S&G Surveillance & Gardiennage - (Brittany), 11, Bis rue de Rosiers. 50800. Sainte-Cecile. Villedieu-les-Poeles. Welby (Brittany), Tel: 0033 296 87 57 37. SIRET numbers Check if your artisan is legally registered and entitled to work in France. - www.infobilan.fr - Type in the number to see if it is legal. www.cofacerating.fr - Surname, name and number checked. - www.infogreffe.fr - Surname, name and number checked. - www.societe.com . Quite a detailed check. What is a SIRET number? Information from - www.artisan-anglais.com. The SIRET number is an identification number for each French business. It is unique to that business and legally linked to a particular person. If several people engage in similar activities at the same geographical location then each must have their own SIRET number. The SIRET number is also linked to the geographical site as well so the same legal person should get a different SIRET number if his activity takes place in several different locations. It is set up by the INSEE (Institut National de la Statistique et des Etudes Economiques ) in the framework of the system SYRENE. (Système National Informatique pour le Répertoire des Entreprises et des Etablissements) The SIRET number is made up of several different identifiers and is unique to the particular business. Companies (entreprises) who run several businesses in different areas must have a SIRET number for each business and different establishments who work individually in the same location must also have individual SIRET numbers. The SIRET consists of 14 digits. The first 9 numbers are the SIREN number for the business. The first 8 digits have no significance except for administrative purposes and to organisations such as communes, fiscal offices etc. They identify the business as well as its location on the national list. The ninth digit is a check digit and has no link to the characteristics of the type business concerned. The SIREN is only issued once and removed from the list as soon as the business ceases to function, the owner dies or the business is dissolved. As it is legally linked to an individual, it is not transferred. The second part of the SIRET number is the NIC (Numéro Interne de Classement) which consists of 5 digits. The first 4 identify the business (or one of several businesses in the case of an enterprise running several establishments) The 5th digit is another check digit to validate the complete 14 number code. All registered workers should be immatriculated with the Centres de Formalités des Entreprises (CFE) at their local Chambres de Commerce, Chambre de Métiers, Tribunaux de Commerce, or the URSSAF, Services Fiscaux, or regional office of the INSEE. The only real ways to check if someone is registered for all trades they advertise are: 1. Ask to see his/her "carte d'indentification" issued by the local Chambre de Metiers which lists the trades on the card. This is a white card with green writing on the cover, and everyone has to have one. 2. Contact the Chambre des Metiers and ask direct. 3. Ask to see insurance documents for responsabilité civile and decennial which are the two obligatory insurances in France. The insurance document will show and list the items or trades which the artisan is insured to undertake. Electricity, Gas, Water & T.V. - Electricité de France , 2, rue Louis Murat. 75384. Paris. Tel: 0033 140 42 22 22. - Gaz de France . - Générale des Eaux , National domestic water supplier. T.V. - Aerial Techniques , 59 Watcombe Road, Southbourne. bournemouth. Dorset. BH6 3LX. Tel: 01202 423 555. Fax: 01202 425 055. - France Telecom . Removals Anglo French Removals, Tel: 01622 729 911. H. Appleyard & Sons, Denby Way, Hellaby Industrial Estate, Rotherham. Yorks. Tel: 01709 549 718. Fax: 01709 700 649. Armishaws, tel 01963 34065 / 0208 995 3350. Bishop's Move Group , Tel: 020 7498 0300. Fax: 020 7622 1794. Bradshaw International , . Tel: 0161 946 0809. Burke Bros ., Tel: 0800 413 256. Fax: 01902 427 837. Cotswold Carriers , Unit 2, The Walk, Hook Norton Road, Chipping Norton. Oxon. OX7 5TG. Tel: 01608 730 500. Fax: 01608 730 600. Callington Carriers, Valentine Road, Callington. Cornwall. PL17 7DF. Tel: 01579 383 210. David Dale Removals , Dale House, Forest Moor Road, Harrogate. HG5 8LT. Tel: 01468 691 571. Ede Bros. , Tel: 01306 711 293. Fax: 01306 711 765. E.R.S. Ltd., Tel: 0033 553 93 75 52 Farrer & Fenwick Removals, Park House, 34 Bridge Street. Walton on Thames. Surrey. KT12 1AJ. Tel: 01932 253 737. French Connexion, Tel: 01935 872 222. French Moves, Tel: 0033 553 01 46 92. Home to Home, Tel: 0800 783 4602. www.internationalhouseremovals.com , Leicester. LE7 4TF. Tel: 01664 424 949. Fax: 01664 424 919. Langdon Removals, Tel: 0117 963 7404. Lawlers Removals , Tel: 0114 275 10 20. Metro Removals, Orion Way, Kettering. Northants. NN15 6NL. Tel: 01536 519 450. Pink & Jones, Tel: 01536 512 019. Richman-Ring Ltd. , Tel: 01795 427 151. - Removal Group , 46-48 Mere Green Road, Sutton Coldfield. Birmingham. B75 5BT. Tel: 0870 240 7432. Fax: 0121308 0810. Robinsons International Moving & Storage, Nuffield Way, abingdon. Oxon. OX14 1TN. Tel: 01235 552 274. Fax: 01235 553 573. Steele Removals , Tel: 0500 135 777. The Personal Moving Service, Tel: 0033 233 35 31 80. Security Marine Security - Tel: 01626 365 282. Mobile; 07957 384 896. Solicitors For a list of French speaking solicitors ring the Law Society of England & Wales. Tel: 0870 606 6575. Blake Lapthorn Solicitors ; Tel: 020 7430 1709. Headon Consulting , Moulin de Lahontan, 32360. Jégun. Gers. France. Tel: 0033 562 68 00 81. Fax: 0033 05 62 68 01 49. Fox Hayes , Leeds. Tel: 0113 209 8922. Pannone & Partners solicitors , Tel: 0161 909 3000. John Howell & Co., 17 Maiden Lane, covent Garden, London. WC2E 7NL. Tel: 020 7420 0400. Fax: 020 7836 3626. Prettys Solicitors , Elm House, 25 Elm Street, ipswich. Suffolk. IP1 2AD. Tel: 01473 232 121. Fax: 01473 230 002. Riddle Croft & Co. Solicitors , 27 St Helen's Street, Ipswich. Suffolk. IP4 1HH. Tel: 01473 384 870. Fax: 01473 384 878. Russell Cooke Solicitors , 2 Putney Hill, Putney. London. SW15 6AB. Tel: 020 8789 9111. Fax: 0208 780 1679. Sean O'Connor & Co. Solicitors, 2 River Walk, Tonbridge. Kent. TN9 1DT. Tel: 01732 365 378. Stephen Smith (France) Ltd ., 161 Cemetery Road, Ipswich. IP4 2HL. Tel: 01473 437 186. Fax: 01473 436 573. Withers Solicitors, Tel: 020 7936 1000. Site Menu Property Homepage Architects Builders Estate Agents Finance Foreign Exch. Insurance Notaries Other Info. 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Land Loan maximum now

Texas Veterans Land Board In Texas, call us Toll Free:1-800-252-VETS (8387) Outside Texas? Call 1-512-463-5060 (long distance charges apply) (PDF) -- • State Veterans Home Resident Awarded Bronze Star (PDF) • VLB is accepting nominations for naming the Texas State Veterans Home being built in Amarillo. Read the Press Release (PDF) and the Policy for Naming Texas State Veterans Homes ( Word2000 ) ( PDF ) and complete the Nomination Form ( Word2000 ) ( PDF ) • Corpus Christi awarded next Texas State Veterans Cemetery (PDF) • The Results of the October 25, 2005, FLS are now available on-line (PDF) • Watch the archived edition of the October 25, 2005, FLS Web cast • First Texas State Veterans Cemetery dedicated in Killeen (PDF) • Central Texas State Veterans Cemetery Dedication Information • James Baker III to help dedicate first Texas State Veterans Cemetery (PDF) • Rio Grande Valley State Veterans Cemetery Groundbreaking Information • Work begins on Valley's first Texas State Veterans Cemetery (PDF) The October Type I Forfeited Land Sale Handbooks are now available online (PDF) -- • Chairman Patterson visits veterans in Iraq • VLB Board Member, Mike Ussery, passes away after attending the dedication of the Texas State Veterans Home in McAllen, scheduled to open July 1, 2005. (PDF) • "Where Honor Lives" • "Voices of Veterans" Oral History Program • "Defending Freedom" A new TV Announcement honoring Texas Veterans from 1836 to today. Play Video 60 seconds High | Low Play Video 30 seconds High | Low Broadcaster Information (PDF) • Texas Veterans Voice Fall 2005 Veterans Voice Newsletter (PDF) Archived Editions of the Veterans Voice Newsletter • Media and Press Releases • Financial help available for activated Texas Reservists and National Guard members (PDF) ATTENTION-Loan Program Changes!!! VLB Land Loan maximum now $60,000. Land Loan now available for one-acre tracts. VHAP Changes Effective March 4, 2005: New-Construction housing loans must meet the U.S. Environmental Protection Agency's Energy Star ® rating as an energy efficient home. The Greenbuilding and Troops to Teachers Programs will no longer be available. The interest rate discounts previously associated with these programs will be re-directed to reducing the overall base rate for the Housing and Home Improvement Programs. The veterans with Disabilities Program discount will be available only to veterans with a VA compensable disability rated at 50% or higher. • Federal legislation filed to end discrimination in veteran loan eligibility • Convert your semiannual land loan payments to monthly payments (PDF) Message from Chairman Patterson Chairman Jerry Patterson Speaks to Veterans About the Veterans Land Board. (run time: 10:15) Play Video High | Low Land Loan Account Status Free Public Seminars and Educational Events • For Veterans • For Lenders • For Real Estate Professionals--view our upcoming events . Contact your nearest Outreach office for training opportunities. Registration for Veterans, Real Estate Professionals, and VLB Participating Lenders • Registration for Veterans to receive VLB program updates • Registration for Real Estate Professionals to receive VLB program updates • Web listing updates for VLB Participating Lenders Veterans' Resources • The National Personnel Records Center (NPRC) now accepting requests for some military records via the Internet • The Texas Veterans Commission (TVC) for information on VA benefits Laws and Rules • Laws and Rules PDF Files require the free Adobe Acrobat reader. Video media require the free Real Player . Privacy Policy Links/Accessibility Policy For our customers who are hearing impaired: The VLB TDD number is (512) 463-6367 or contact any of our program areas through Relay Texas at 1-800-735-2988. For more information, contact us .

Colorado Real Estate

CE Colorado Licensure Information Education, Experience and Exam Requirements Click here for information on the coursework and exam requirements for licensure. Examination Information For information about the real estate broker examination program, including reservation and application processes, click on the following hyperlink: Broker Candidate Bulletin To make an exam reservation click here: PSI website, or call PSI's Candidate Care Center at 1-(800) 733-9267. Procedure For Licensure Step 1: Character In addition to determining competency standards, the Real Estate Commission is authorized by statute to require and procure proof of the truthfulness, honesty and good moral character of any applicant. PRIOR to submitting an application for a license: each applicant shall submit a set of fingerprints to the Colorado Bureau of Investigation for the purpose of conducting a state and national criminal history record check. Click here for more information. Step 2: Education, E xperience and E xamination requirements must be documented prior to filing the appropriate application for licensure. a. Education certificates are furnished by the real estate schools after completion of the course requirements. Official transcripts are required for applicants who qualify based on a degree with a major course of study in real estate from an accredited college or university. b. An exam score report is furnished immediately upon completing the exam. Exam scores will be sent to the DRE electronically and you will not need to include score reports with your application. The real estate license examination is made up of two parts, the general part, and the local (state) part. Applicants for licensure who must receive passing scores on both the general part and the state part of the examination need not receive them on the same administration date. If one part is failed, the applicant may retake it at a subsequent time. In no event will a passing score on either part be accepted beyond one year. c. You must obtain a certificate of license history from each jurisdiction in which you hold or have held a real estate license. If the other license is current (active or inactive), the certificate must be less than 90 days old when you submit your Colorado application. If the other license is expired, the certificate must be dated after the license expiration date. (NOTE: Each state/jurisdiction responds to requests for certification of license history with varying degrees of timeliness. Plan ahead for this so as to avoid delay in submitting your Colorado application. Step 3: Errors and Omissions (E&O) Insurance. You must have E&O insurance in place on your license before it will be issued on active status. Talk to your employing broker, as some have purchased independent E&O policies. If you or your broker use the state-endorsed group policy , the vendor, Rice Insurance Services Company (RISC) will automatically download your coverage into our database. You may enroll in the group policy on-line at www.risceo.com or call them at 1 (800) 637-7319. If you have independent coverage, you must certify coverage to the commission on the form " Certificate of Independent Coverage ". Step 4: Complete the application form . Enclose all required documentation and appropriate application fee. You may deliver or mail the application to the DRE. Don't forget that exam scores are only valid for one year. Processing of your application may take up to six weeks. Initial licenses will be issued for a three-year period expiring on the anniversary date of the issuance. If you have questions on Licensing in Colorado, e-mail us Privacy Statement | Disclaimer Technical Assistance: E -Mail Information Technology Section Revised November 2, 2005 Federal Home Page || State Home Page || Department Home Page Division Home Page || Top of Page E-Mail the Division of Real Estate 1900 Grant Street, Suite 600 Denver, CO 80203 (303) 894-2166 or (303) 894-2185 - Phone (303) 894-2683 - Fax Relay Colorado (TTY (English & Spanish), Voice, VCO, ASCII, STS Assistance Numbers)

Real Estate Investment

Russ Whitney, Building Wealth, Real Estate Investment Training Free Millionaire Mentor Ezine Subscription Learn More About The Free Training · Hotel Information · FAQ REGISTER FOR FREE REAL ESTATE TRAINING BY CLICKING A DATE BELOW Jan 4-Jan 7 Houston, Houston, Sugar Land, Houston Jan 4-Jan 6 South Bend, Indianapolis, Indianapolis Jan 4-Jan 6 Boca Raton, Delray Beach, West Palm Beach Jan 4-Jan 6 Sparks, Carson City , Reno Jan 9-Jan 12 King of Prussia, Cherry Hill, Philadelphia, Wilmington Jan 9-Jan 13 Fort Collins, Westminster, Aurora, Colorado Springs, Colorado Springs Jan 10-Jan 12 Santa Fe , Albuquerque, El Paso Jan 10-Jan 12 Allentown, Reading, Langhorne Jan 16-Jan 19 Concord , Berkeley , San Jose, Union City Jan 16-Jan 18 Altamonte Springs, Kissimmee, Orlando Jan 17-Jan 19 Scranton, Lancaster, Harrisburg Jan 17-Jan 19 Burlingame, Santa Rosa, San Francisco No Cost · No Obligation · Seating Is Limited! Ask Questions - Get Answers Online Discussion Board saad7861 asks: How do I create a buyer and seller database, if I am just starting out and don't have contacts or experience? ? Join this discussion... View other discussions Register and start your own Special Offer Success Story Arlene McCormack : I just wanted to show you the check we received after our first fix and flip in March. Colm and I were so excited to see our names on the check...for [$41,045.93]. Let me tell you that it felt really good to bring this to the bank.. Read More Investor Relations | Contact Us | Careers | Sitemap | Privacy Statement © 2000-2005 Whitney Education Group, Inc. All rights reserved. -- --