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Overseas Property Investment - Property Frontiers Newsletter Signup Free Newsletter - The latest emerging market news from Property Frontiers. Sign-up Property Syndicate Join Our Property Investment Syndicate for Unbeatable Discounts on International Property View Bulk Purchasing Discounted Investment Opportunities for Bulk Buyers! View News International Real Estate Outlook for 2006 HIFX: Property Frontiers' Exclusive Foreign Exchange Partner All abroad as spending on second home triples to £6 billion Far from Home for the Holidays Barclays reckons 2.2 million Brits own property abroad Chinese just a bunch of happy optomists Dubai now rent controlled Low fares dictate destinations More News Welcome to Property Frontiers - The Overseas Property Investment Specialists View some of our investment properties: Property in Shanghai Free Market Report Property in Bulgaria Free Market Report Property in Dubai Free Market Report Property in Turkey Property in Morocco Property in Thailand Overseas property is becoming an increasingly popular investment choice, but buying investment property abroad can be a real challenge. When it comes to buying in emerging markets the challenge can often be compounded due to a lack of available information. Property Frontiers' understand how difficult it can be for you to obtain the latest and correct information and advice that is needed when buying overseas property. What makes Property Frontiers different from our competitors is the research we conduct on the world's international property markets. This enables us to offer you an unrivalled level of service and advice. Whether you are looking for property in Dubai , Turkish Property , Property in Shanghai , a Ski Chalet in Bulgaria or luxurious apartments in Belize or any other emerging property market, the team at Property Frontiers are here to talk you though the different overseas investment opportunities that are available. Unlike most companies serving the foreign property market, Property Frontiers is based in the UK with offices in the majority of countiers we cover, enabling us to provide a comprehensive range of services to meet your investment needs. Property Frontiers' team of expert researchers constantly monitor the world's overseas property markets making us the best source of quality advice and providing you with the widest selection of overseas property in the following emerging markets: Europe: Bulgaria , Croatia , Cyprus , Czech Republic , Estonia , Greece , Hungary , Latvia , Malta , Montenegro , Poland , Romania , Russia , Serbia , Turkey , Ukraine , Asia: China , Hong Kong , India , Malaysia , Singapore , Sri Lanka , Thailand , Vietnam , Americas: Belize , Brazil , Caribbean , Costa Rica , Mexico , Panama , Africa & Middle East: Bahrain , Dubai , Egypt , Ghana , Kenya , Lebanon , Morocco , South Africa , Please contact one of our agents or call 0870 429 2884. 01865 242224 Hot Properties : A selection of some of Property Frontiers' hottest investment properties: Financed Properties : Al Hamra, Dubai Berjaya Central Park, Malaysia More Guaranteed Rental Properties: Plaza Hyundai Apartments, Shanghai Grand Hillside Condos, Thailand More Low Cost Properties: G-Bridge Apartments, Shanghai Eden Gardens, Dubai More Quick Search Country: -= Select A Country =- Property in Bahrain Belize Brazil Bulgaria Caribbean China Costa Rica Croatia Cyprus Czech Republic Dubai Egypt Estonia Ghana Greece Hong Kong Hungary India Kenya Latvia Lebanon Malaysia Malta Mexico Montenegro Morocco Panama Poland Romania Russia Serbia Singapore South Africa Sri Lanka Thailand Turkey Ukraine Vietnam Price Range (£): from to Quick Search Development Focus Property Frontiers has exclusive access to some of the world's most exciting developments: Find out more Find out more Investment Resources Become an intelligent investor. More resources on property, investments and personal finance. View Contact Property Frontiers: 0870 4292884 or Email: enquiries@propertyfrontiers.com terms & conditions | site map | © 2004 Property Frontiers |
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home equity line of
NYS Banking Department-Home Equity Line Of Credit Survey Interest Rate Information Home Equity Line Of Credit Markets Albany Buffalo Long Island New York Metro Rochester Syracuse Westchester Co, NY Definition of terms used in this survey. New York State home equity line of credit Average Highest Lowest 6.72 8.25 1.74 Albany Institution Telephone Date Rate Fees and Conditions Adirondack Trust Co 518-584-5844 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $10,000 min Central National Bank 800-449-6842 12/23/05 8.25 P+1.25% (no floor); no yrly fee; $7,500 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 518-270-3200 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Pioneer Savings Bank 518-274-4800 12/23/05 6.75 P-0.25% (no floor); no yrly fee; $2,000 min TrustCo Bank 518-436-9043 12/23/05 7.50 P+0.50% (no floor); no yrly fee; $7,500 min Buffalo Institution Telephone Date Rate Fees and Conditions Bank of Akron 716-542-5401 12/23/05 2.49 P-0.25% (no floor); 4-mo intro; no yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min Evans National Bank 716-549-6000 12/23/05 1.74 P+0.00% (no floor); 3-mo intro; $99 yrly fee; $7,500 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Long Island Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-433-4368 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Ridgewood Svgs Bk 718-240-4800 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min New York Metro Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Independence Community Bank 800-732-3434 12/23/05 7.25 P+0.25% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min North Fork Bank 877-694-9111 12/23/05 7.00 P+0.00% (no floor); no yrly fee; $25,000 min Queens County Svgs Bk 718-268-6801 12/23/05 7.00 Range: P+0.00% to P+4.25% (no floor); $500-$600 fee; no yrly fee; $10,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rochester Institution Telephone Date Rate Fees and Conditions Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Canandaigua National Bank 585-394-4260 12/23/05 7.75 P+0.75% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-627-3999 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min Citizens Bank, N.A. 800-922-9999 12/23/05 7.00 P+0.00% (no floor); $50 yrly fee; $10,000 min First Niagara Bank 716-434-6621 12/23/05 7.75 P+0.75% (no floor); no yrly fee; $10,000 min Five Star Bank 888-624-2300 12/23/05 7.25 P+0.25% (no floor); 0% 3 month intro; no yrly fee; $7,500 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Syracuse Institution Telephone Date Rate Fees and Conditions Alliance Bank 800-310-6275 12/23/05 1.99 P-0.26% (no floor); 4-mo intro; no yrly fee; $5,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min Fulton Savings Bank 315-592-4201 12/23/05 6.00 P+0.00% (no floor); 12-mo intro; no yrly fee; $5,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min KeyBank 888-KEY-1234 12/23/05 7.69 Range: P+0.69% to P+1.44% (no floor); $99 fee; $5,000 min M&T Bank 800-724-2440 12/23/05 6.20 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Solvay Bank 315-468-1661 12/23/05 7.00 P+0.00% (4.00% floor); no yrly fee; $2,500 min The Oneida Savings Bank 315-363-2000 12/23/05 5.25 P+0.00% (no floor); 6-mo intro; no yrly fee; $7,500 min Westchester, Co Institution Telephone Date Rate Fees and Conditions Astoria Federal S&LA 800-278-6742 12/23/05 7.00 P+0.00% (no floor); .25% disc w/auto debit; $25 yrly fee; $10,000 min Bank of America, NA 800-299-2265 12/23/05 7.49 P+0.24% (no floor); .25% disc w/auto debit; no yrly fee; $10,000 min Bank of New York 212-495-1784 12/23/05 4.25 P+0.99% (no floor); 6-mo intro; no yrly fee; $5,000 min Chase Bank 800-CHA-SE24 12/23/05 7.50 Range: P+.50% to P+5.00% (no floor); $50 yrly fee; $5,000 min Citibank 800-321-2484 12/23/05 7.25 P+0.25% (no floor); no yrly fee; $25,000 min First Niagara Bank 877-722-9842 12/23/05 8.00 P+0.75% (no floor); no yrly fee; $10,000 min HSBC Bank USA 800-975-HSBC 12/23/05 5.99 P+1.25% (1.25% floor); 4-mo intro; no yrly fee; $10,000 min Manufacturers and Traders Trust Co 800-724-2440 12/23/05 5.49 P+0.95% (no floor); 6-mo intro; no yrly fee; $15,000 min Wachovia Bank, NA 800-922-4684 12/23/05 7.25 Range: P+0.00% to 2.00% (no floor); no yrly fee; $8,000 min Washington Mutual Bank 800-788-7000 12/23/05 8.00 Range: P+0.75% to 3.75% (no floor); $45 yrly fee; $10,000 min Rates are subject to change without notice and may vary from branch to branch. Although the rates reported here have been obtained from the financial institutions themselves, the accuracy of the information cannot be guaranteed by the publisher. 2005: Bankrate.com All rights reserved. | Home Search | Site Map | | Interest Rates | | Credit Cards | MortgageRates | Home Equity Lines of Credit | | Home Equity Loans | New Auto Loans | Used Auto Loans | Last Modified Friday, December 23, 2005 FastCounter by bCentral
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NexTag - Compare Prices Before You Buy Comparison Shopping for: Products Mortgages Travel Cars More ... All Categories Automotive Baby Books Clothing & Accessories Collectibles & Art Computers Electronics Flowers & Plants Food & Wine Gifts Health & Beauty Home & Garden Internet Services Jewelry & Watches Magazines Movies Music Musical Instruments Office Products Online Degree Programs Software Sports & Outdoors Toys Travel Video Games -------------------------- Deals & Coupons Automotive New Cars , Used Cars , ... Baby Apparel , Cribs , Strollers , ... Books , CDs & DVDs Books , Music , Videos , Magazines , ... Clothing & Accessories Men , Women , Shoes , ... Collectibles & Art China , Figurines , Posters , ... Computers & Software Monitors , Notebooks , PDAs , ... Electronics Audio , Digital Cameras , TVs , ... Flowers & Plants Roses , Mixed Arrangements , ... Food & Gifts Baskets , Chocolate & Candy , ... Health & Beauty Fragrances , Nutrition , ... Home & Garden Bed & Bath , Garden , Kitchen , ... Jewelry & Watches Rings , Watches , Necklaces , ... Mortgages Refinance , Home Purchase , Loans , ... Office Products Equipment , Supplies , ... Online Degree Programs Business , IT / Computer Science , ... Sports & Outdoors Individual Sports , Outdoors , ... Travel Airfares , Hotels , Cruises , ... Video Games & Toys PC Games , Playstation 2 , XBox , ... About Nex Tag | Nex Tag UK | Help | Terms of Use | Privacy Policy | Sign In | Advertise at Nex Tag | Sell at Nex Tag | For Lenders © 2005, Nex Tag , Inc. Last updated: December 29, 2005 12:33 1438273692 v1x7
Real Estate Prices ---
Google Answers: Real Estate Prices --- Leading Indicators Log in | Google Answers Home View Question Ask a Question Q: Real Estate Prices --- Leading Indicators ( Answered , 5 Comments ) Question Subject: Real Estate Prices --- Leading Indicators Category: Family and Home > Home Asked by: nronronronro-ga List Price: $25.00 Posted: 19 Apr 2005 15:33 PDT Expires: 19 May 2005 15:33 PDT Question ID: 511542 Hi There!I was goofing off today, and started looking throughwww.craigslist.com for real estate. I looked at 11 different citiesfrom San Francisco to Phoenix to Washington, D.C.Mini-Eureka moment! I noticed the number of lease-options availablehas increased significantly in each and every city. 11 of 11 towns! The last time I checked www.craigslist.com was 5 months ago.This observation sparked my rusty brain cells. There must be leadingindicators for real estate, in the same way there are leadingindicators for stocks. Here's a list of possible danger signals forreal estate off the "top of my head":1. Increasing lease-options2. Increasing number of days on the market3. Increasing number of unsold homes in a city4. Decreasing ratio of Asking Price/Transaction Price5. Increasing number of homes on the market more than 120 days6. Decreasing number of mortgage applications7. Increasing number of newspaper classified ads for real estateI'm not a real estate guy. But I'm sure some brilliant professor hasdevised a computer model to predict when real estate prices willdecline 6-12 months hence.A 5-star answer would be 5-10 additional leading indicators for realestate. No background material needed. (However, if you happen tofind an objective study on leading indicators then I would love totake a look at that, too.)All comments greatly appreciated!Thanks.ronP.S. Please note that indicators like "Forecasted Job Growth" or"Forecasted Property Tax Receipts" won't help much, precisely becausethey are forecasts and not hard data. The best indicators wouldinvolve hard numbers that can be observed right now, and used to makecomparisons.EXAMPLES:1. Days on the market for San Francisco versus days on the market for Phoenix.2. Days on the market for San Francisco in April 2005 versus days onthe market in San Francisco in January 2002.(This question doesn't involve specific numbers or specific cities. Rather, it involves the kind of indicators one might observe. Thx.) Answer Subject: Re: Real Estate Prices --- Leading Indicators Answered By: easterangel-ga on 19 Apr 2005 16:59 PDT Rated: Hi! Thanks for the question.The National Association of Realtors provides a list of real estateindicators that one can analyze to indicate some trends. Here are someof the indicators that they follow:- Existing Home Sales- Pending Home Sales Index- New Home Sales- Housing Starts- Housing Affordability- Mortgage Rates- Mortgage Applications“Latest Economic Indicators” http://www.realtor.org/Research.nsf/Pages/EcoIndicator The US Census website provides a historical basis for its leadingindicators for real estate. The statistics are from 1900 to 2002.The indicators mentioned in the Census website are the following:- New housing units started - New one family houses sold- Existing one family houses sold- Manufacturing shipments- Index of industrial production- Manufacturing index- Retail Sales- Exports Basis- General Imports“No. HS-40. Economic Indicators for Construction, Real Estate, Manufacturing,Retail, and Foreign Trade Sectors: 1900 to 2002” http://www.census.gov/statab/hist/HS-40.pdf Finally, here is an academic study about real estate prices.“Real Estate Prices and Economic Cycles” http://urbanpolicy.berkeley.edu/pdf/Q_IRER99PB.pdf Search terms used: “real estate” housing economic indicatorsstudies real estate prices filetype:pdfI hope these links would help you in your research. Before rating thisanswer, please ask for a clarification if you have a question or ifyou would need further information. Thanks for visiting us. Regards, Easterangel-ga Google Answers Researcher Request for Answer Clarification by nronronronro-ga on 20 May 2005 15:33 PDT Alas, Phil...only the women in my life are cash-flow positive. Thatis to say, they stay positive when I let the cash flow.heh heh hehThanks for your great insights, Phil. As always!ron Clarification of Answer by easterangel-ga on 20 May 2005 17:43 PDT Hi!Sorry about this but I just have to make a reply to clarifications.Sincerely.Easterangel nronronronro-ga rated this answer: Heavenly answer, easterangel.As always, thanks a million !ron Comments Log in to add a comment Subject: Re: Real Estate Prices --- Leading Indicators From: easterangel-ga on 19 Apr 2005 18:25 PDT You're welcome as well. Subject: Re: Real Estate Prices --- Leading Indicators From: pafalafa-ga on 20 Apr 2005 05:03 PDT Since we're doing some work on the house in DC, I've been paying moreattention that usual to the real estate pages of the Washington Post.One of the sort-of-indicators that they mention often is theincreasing amount of property that is bought as an investment, ratherthan as a first home. They also cite the increasing trends in2nd-home sales.For both of these though, I don't know if there's an actual statistic,or just the observation of people in the business.Nice work, though, easterangel.paf Subject: Re: Real Estate Prices --- Leading Indicators From: nronronronro-ga on 20 Apr 2005 10:52 PDT Thanks, pafalafa!My business partner just purchased a home across the street from theNational Cathedral. He obviously checked out DC. He found the "PMIRisk Index" for DC was very low, whereas the same PMI Risk Index formy state (California) was very high. The only place more risky thanSan Francisco/San Jose was Boston.Rut Row !ron Subject: Re: Real Estate Prices --- Leading Indicators From: silver777-ga on 24 Apr 2005 05:35 PDT Ron,Your application of logic is spot on.Your points 1 to 7 could relate to any real estate market.In fact, I had counted the number of "for sale" ads by COLUMNnot just the pages. I also counted the number of propertiesfor lease. Another gauge might be to weigh the newspaper, orin the least the real estate section. I reckon that the more "for lease" properties tells us a lot about the climate of the sale market. An increase in borrowing rates will impact on the rental rates and realised sale prices,regardless of the asking prices published. Check also the auctionclearance rates.Have you sourced any cash-flow positive properties of late?Phil Subject: Re: Real Estate Prices --- Leading Indicators From: nronronronro-ga on 20 May 2005 15:34 PDT Alas, Phil...only the women in my life are cash-flow positive. Thatis to say, they stay positive when I let the cash flow.heh heh hehThanks for your great insights, Phil. As always!ron Important Disclaimer: Answers and comments provided on Google Answers are general information, and are not intended to substitute for informed professional medical, psychiatric, psychological, tax, legal, investment, accounting, or other professional advice. 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