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The Tribune, Chandigarh, India - Business Monday , October 21, 2002, Chandigarh, India THE TRIBUNE SPECIALS 50 YEARS OF INDEPENDENCE TERCENTENARY CELEBRATIONS B U S I N E S S Y O U R M O N E Y A GUIDE TO PERSONAL FINANCE REAL ESTATE Buy house in the colony developed by a coloniser I t is a misconception that the group-housing concept to provide affordable housing accommodation to the public at no-profit no-loss basis has failed in this region. Marginal success to the scheme is mainly attributed to the faulty policies of the government. Tips for buyers A word of caution MARKET SCAN Low response to good results D uring this fortnight corporate results announced so far for the quarter ended September 2002 were good and encouraging but the market response was low and unencouraging. Local residents look at an Italian-made "Pagani Zonda C12S" car in Guangzhou, Guangdong province, on Saturday. The car will be displayed at an auto show which starts on October 22 in Guangzhou. The car has an approximate value of 4 million Hong Kong Dollars ($500,000). Reuters EARLIER STORIES Disinvestment programme has come to a halt: Shourie October 20, 2002 Wipro net profit inches up 2 pc October 19, 2002 Ranbaxy net profit rockets 79 pc October 18, 2002 Disinvestment of A-I, IA ruled out October 17, 2002 SBI and ICICI among top 100 Asian banks October 16, 2002 Cotton output falls October 15, 2002 Gold does not glitter any more October 14, 2002 Deadlines for polluting firms may be extended October 13, 2002 Hughes Soft clocks 32 pc growth in net October 12, 2002 CHECK-OUT Get expensive items insured before mailing S ending an expensive Divali gift to someone special through speed post? Well, here is a note of warning: if the gift gets lost or damaged during transit, all you are entitled to as compensation is twice the amount of money that you have paid towards speed post charges. PREPARING FOR RETIREMENT Sun Life provides umbrella R isks are an integral part of human life. Events that occur in our daily lives indicate time and again that we must prepare ourselves to deal with these risks in a well-planned manner. One of the important precautionary measures stems from an insurance cover. Aims at building wealth Value for money Retirement benefits Flexi Save Endowment Plan FIIs net buyers in equities Inflation falls REAL ESTATE Buy house in the colony developed by a coloniser R. P. Malhotra I t is a misconception that the group-housing concept to provide affordable housing accommodation to the public at no-profit no-loss basis has failed in this region. Marginal success to the scheme is mainly attributed to the faulty policies of the government. For want of a foolproof process to register only the genuinely deserving members (end consumers) in the housing societies, the most of the members of these societies happen to be the speculators who have invested in the schemes for resale. Even the planners have not taken pains to study the demand factor while planning these housing projects as majority of these flats are of HIG category which are out of reach of the low budget buyers falling in the Rs 5-10 lakh slab. In Chandigarh, too, in the series of amendments to the existing building byelaws recently notified by the administration nothing has been done to the stringent conditions applicable to the transfer of property falling under the low budget category keeping the housing board flats/houses, nor transferable properties allotted on concessional rates and group-housing societies flats still forbidden for resale. Tips for buyers For the buyers intending to have a plot/house in these colonies, it is suggested to opt for only approved colonies. As per provisions of the Punjab Apartment Act any land owner, who wish to sell his property in parts as a residential colony, shall have to get the scheme approved from the local authority i.e., Local town planning Office by giving sample provisions for roads, parks, sewerage and water supply. A set percentage of land up to 35 per cent shall have to be left for these public utility services under this act. A word of caution Apart from this certain unscrupulous developers also illegally sell the land on GFA basis without leaving the prescribed area of land for common utility services thus creating unhealthy and inhabitable conditions for the habitats later on. Whereas plots are available @ Rs 2200 to Rs 2500 per square yard on inner roads and Rs 2500/- to Rs 3000/- per square yard on wider roads in approved colonies as compared to corresponding rate of 500/- and 1800/- per square yard in unapproved colonies. In addition to the deteriorated quality of life in the unapproved /unauthorised colonies there is permanent risk of demolition in case of departmental action. For a better community life the intending purchasers are suggested to constitute small group housing societies having members (as small as a group of ten people even less) from their own working circle. By pooling funds they can bargain with the coloniser for a fixed number of plots in one go and by entrusting the project to a single contractor they can save themselves from the construction hassles besides saving money on wholesale purchases. Sanctioning of loan cases will also be an easy process and the things can be processed on a single table. The buyers interested in going for built up flats/houses are also suggested to form small groups. Besides having a competitive bargain they can ask the developer/builder for their particular requirement for a block of houses/flats. Besides all this the intending buyers are advised to enquire from the promoter of the colony about the arrangements made for the supply of drinking water, provision for sewerage outlet, electric supply, width of roads and size of parks before going for a bargain. While selecting for the location of colony, care should be taken not to go for a location just on the main road, near the railway line and near the sewerage drain to avoid noise and pollution. Preference should be given to a colony having close proximity to the main road a school and a dispensary. Before going for a builders house/flat one must thoroughly study the technical blue prints and brochures of the builder. It is most important to ascertain what the builder is going to offer you in turn of your money. Various fittings, fixtures, facilities and services listed in the brochure may not turn out to be value-added services/items later while taking over the possession of the unit. One must also get conversant about the deceptive terminologies, such as of carpet area, covered area, plinth area and super area, being normally used by the builders. For example carpet area i.e. exact usable area is about 35-40% less than the supper area. Major details such as quality of material to be used type of flooring, type of joinery and quality of timber to be used and kind and variety of paint polish etc must also be ascertained and taken into writing before going for to bargain. Proper and effective arrangements of future maintenance of the area such as is roads sewerage water supply electricity and other civic services of the colony after the same is handed over to the occupiers should also be ensured before striking a deaf. Usually such bargains are struck on self-financing basis i.e., the buyers pay the builder in installments as the construction of the project progress through various stages. It becomes the foremost duty of the buyer to visit and supervise the construction activity of the entire project at different stages so as to ensure proper quality and workmanship. Notwithstanding anything contained in the one-sided agreement to purchase, executed between the buyer and the builder, the buyer is protected under the consumer protection act. Still the purchasers are advised to have an expert opinion before signing any of such agreements. cr MARKET SCAN Low response to good results J.C. Anand D uring this fortnight corporate results announced so far for the quarter ended September 2002 were good and encouraging but the market response was low and unencouraging. According to an analysis made by Business Standard, so far 116 companies have announced their results which indicate a growth of 15.06 per cent in sales and 34.42 per cent rise in net profits. The growth profit margin of these 116 companies has increased from 17.03 per cent to 19.86 per cent during the quarter, yet the Sensex has moved only by 2.41 per cent (71 points) during this quarter. Infosys Technologys second quarter results were higher than the markets expectations. It reported 16.1 per cent rise in software revenue with a net profit higher by 12.01 per cent. EPS is estimated at Rs 141 Rs 144, almost the same as in the first quarter. The company expects to have good growth rate in revenues for the third quarter. HDFC announced a bonus issue of one equity share for every share held and reported 21 per cent rise in net profit for the send quarter. FIIs also increased their holdings in software stock comprising Infosys, Mestak, Digital, Global Profit. Ranbaxys third quarter net profit was higher by 79 per cent. A large part of its sales and profitability came from exports. Hero Honda also reported excellent results for this quarter. Jai Bharat Marutis second quarter results indicate that its net profit has gone up to Rs 65.60 lakhs as against Rs 18.42 lakh for the corresponding period last year. Another good news was the AV Birla Groups announcement to buy Larson & Tubros share at Rs 190 per share from the open market, even though the open offer price was much lower than the market expectation. It is unlikely that the Birla Group will be able to collect the share at this price to push up their stake in the company from 14.9 per cent to about 35 per cent as it had announced its intention at the time of the open up. The UTI and financial institutions are unlikely to accept this offer as it is far lower than the price at which Birla Group had purchased Larson and Tubro shares from Reliance. I am of the view that those investors who hold Larson and Tubro shares should not sell it in the market at the open offer rate for the very fact that Birla Group is interested in acquiring management control of this company pushes up the market rating of this share. Even otherwise, Larson & Tubro is Indias top engineering and cement company in the private sector and its construction business is doing extremely well with a lot of fresh orders from India as well as from foreign countries. Another good news is that the Index of Industrial Production (IIP) indicates a growth rate of 5.7 per cent in the general index, though the growth rate in manufacturing is at 5.9 per cent and in capital goods at 10 per cent. India has also recorded a surplus in its current account for the first time in 24 years. The market response to the good corporate results and other welcome news has only been tepid. This is partially due to the fact that the date traders are anxious to book profit at the earliest. It is also possible that the market does not expect equally good results from those companies which have yet to report their second quarter results. Perhaps the more basic reason is that the market is worried about the state of our economy. Apart from S&Ps rating about the national currency, the drought caused by erratic and deficient monsoon rains this year are bound to depress our GDP growth rate this year. According to CMIEs analysis drought conditions are expected to lower overall agriculture production by 7 per cent. As a result, the real GDP is expected to grow only by 3.1 per cent. According to CMIE the real GDP growth rate has never reached 5 per cent in a year of agriculture decline in the past 30 years. Any long term investment should be made with a time scale of at least 2 to 3 years and this investment should be made only in a weak market. co CHECK-OUT by Pushpa Girimaji Get expensive items insured before mailing S ending an expensive Divali gift to someone special through speed post? Well, here is a note of warning: if the gift gets lost or damaged during transit, all you are entitled to as compensation is twice the amount of money that you have paid towards speed post charges. Even here, the maximum that you can get is Rs 1000! And if you think that you can approach the consumer court for relief , forget it. You will get no help there too. Recently, the apex consumer court examined in detail the liability of the post office in case of delay or non-delivery of postal articles sent by speed post. Its verdict was that the consumer courts cannot go beyond the statutory provisions and grant compensation in excess of what is statutorily fixed. And in case of speed post, since Rule 66B of the Indian Post Office Rules says that in case of loss or damage , the compensation shall be double the amount of the composite speed post charges or Rs 1000, whichever is less, the consumer courts cannot grant compensation beyond this amount, the court said. (In case of delay in delivery, whatever may be the consequence of such delay, you are entitled to only a refund of the Speed Post charge). In its order of September 18, 2002, the National Consumer Disputes Redressal commission examined three different petitions all pertaining to Speed Post service.. In the first petition Head Post Master, Post Office Railway Road, Kurukshetra, Haryana vs Vijay Rattan Aggarwal, the complaint pertained to two bank drafts for the sum of Rs 5 lakh sent by Speed Post on January 18, 1995. The post office, which undertook to deliver it within 24 hours, did not do so, forcing the complainant to obtain duplicate bank drafts on March 7, 1995. Claiming loss of interest and loss in business plus harassment, the complainant sought damages from the post office. The District Consumer Disputes Redressal Forum awarded Rs 20,000 as compensation, besides interest of 18 per cent on the amount of Rs 5 lakh for one and a half months. When this was upheld by the State Consumer Disputes Redressal Commission, the post office filed a revision petition before the National Commission. In the second case, Union India vs Brahm Dev Upadhyay, the complainant, having passed the preliminary examination for Uttar Pradesh administrative service, sent by Speed Post the necessary papers required for the final examination. They were not delivered on time, as a result of which the complainant could not appear for the final examination. The District Forum awarded Rs 10,000 as damages . When the State Commission affirmed this order, the post office filed a revision petition. In the third case, Varun Garg vs Assistant Post Master, Post Office, the complainant sent an application form for admission to LLB course in Maharishi Dayanand University, Rohtak by speed post on May 19, 2000. The last date for submission of the application was May 22, but the application was received by the university after this date and was therefore not entertained. The District Forum before which Varun Garg filed a complaint said he was only entitled to a refund of Rs 20 paid towards speed post charges. This was upheld by the State Commission, upon which the complainant filed a revision petition before the apex consumer court. After examining the Indian Post Office Act and the Rules framed therein pertaining to Speed Post, the National Commission said there was no justification for grant of any compensation to the complainants. Said the Commission: Under the Consumer Protection Act, 1986, we cannot go beyond the statutory provisions and grant compensation more than what is statutorily fixed. A Consumer Forum is even bound by the terms of the contract howsoever oppressive these may be unless those terms are against public policy, illegal or void. In other words, consumers cannot get compensation commensurate with the loss suffered on account of delay in delivery or loss or damage to the article entrusted for delivery through Speed Post. So if you are sending expensive goods by Speed Post or through a private courier, get it insured. If you are sending important documents for which you cannot take an insurance policy, just keep your fingers crossed and hope that it reaches the addressee on time and in good condition. PREPARING FOR RETIREMENT Sun Life provides umbrella Naveen S. Garewal R isks are an integral part of human life. Events that occur in our daily lives indicate time and again that we must prepare ourselves to deal with these risks in a well-planned manner. One of the important precautionary measures stems from an insurance cover. A life cover cannot prevent any unfortunate happening, but at least it mitigates the financial loss arising out of an unfortunate happening. It provides strength to face the financial loss that may arise from the loss of a bread earner. Life Insurance addresses multiple needs such as protection against disabilities, preparing one to face the unexpected mishaps, besides providing a plan for a retired life. Aims at building wealth Birla Sun Life insurance, a recent entrant into the insurance sector aims at targeting the youth, providing them with a financial plan. The company says that it provides to the youth a right step to build wealth through a systematic process that offers economic security and provides what each of us craves for - peace of mind. Value for money The Birla Sun Life Insurance that offers five products boasts that its products offer investment options, market driven returns, guaranteed values, high surrender values no exit loads beyond five years, free look period, mix and match options, large protection cover, favourable premiums for female clients, tax benefits and automatic premium payment. Birla Sun Life also offers what it calls Riders. Riders are additional benefits that you may buy and add to your policy in a way that it customises the policy according to an individuals needs. These include the accidental death and dismemberment rider, term rider and critical illness rider. Retirement benefits What you get at retirement is directly proportional to what you save. The age when you start saving in an endowment plan can drastically alter the wealth you acquire at retirement. Take a simple case study where Mr. A, aged 30 years with an annual income of Rs 2 lakh (growing 15 per cent annually) started saving 15 per cent annually till retirement age of 60 years. Given a return of 12 per cent and an expected inflation of 6 per cent, he should have a retirement income of Rs 95,000 per month taking the inflation into count. But if he were to wait till age 40 before he started saving (from an income of Rs 3 lakh annual), he would get a pension of only Rs 24,000 per month. Flexi Save Endowment Plan The Flexi Save Plus Endowment Plan has been designed to offer insurance protection; while at the same time provide an opportunity for investment. Birla Sun Life aims at stressing the point that the premium paid over the years helps the savings to grow and thus helps meet expenses like childrens higher studies, their marriages, retirement funding etc The flexi save plus endowment plan is designed to accumulate the savings through regular premium payment for a fixed duration of time or in a single lump sum to realise the long-term goals and protect the family with insurance cover unique features of the Flexi Save Plus Endowment Plan include choice of duration plan, flexibility of premium payment, choice of investment options, automatic premium payment and access to your funds during the plan duration. The Flexi Save Plus Endowment Plan is available to all between age 1 to 65 years wherein the minimum face amount (Sum Assured) is Rs 50,000 for minors and Rs 75,000 for adults. The duration of the plan can be 10, 15, 20, 25, or 30 years as per the policy plan or as per maturity age of 60, 65,70 and 80 years. The premium-paying period varies from a single pay to 5,10, 15, 20 years with a paying option of premium payment frequency ranging from annually, semi-annually, quarterly or one-time payment. The policy offers a transparency in surrender values and lets you know the exact amount due in case of pre-mature plan termination. Also the policy tells you before hand the amount due on survival up to maturity, surrender value in the maturity year + the balance in additional holding account. Besides the amount due to nominee in event of death of the life insured is disclosed before hand. Riders on the policy that can be bought at an additional cost include accidental death and dismemberment, term and critical illness. The policy also offers a tax benefits under section 88 Sec 10 (10 D) of the Income Tax Act (To be concluded) FIIs net buyers in equities Mumbai, October 20 The foreign institutional investors (FIIs) were net buyers in equities at Rs 56.1 crore ($ 11.5 million) during the trading week ended October 18. The FIIs, however, for the third straight trading week of the month stayed away from the debt market and did not transact a single deal, according to data available with the SEBI here. As per SEBI information, mutual funds netted sales of Rs 165.63 crore in equities and were net buyers to the tune of Rs 394.07 crore in debt instruments. PTI bb Inflation falls New Delhi, October 20 Notwithstanding the domestic oil price hike, inflation declined by another 0.32 per cent to 3.02 per cent for the week ended October 5 even as vegetables became costlier. The hike in vegetable prices was to a great extent contained by fall in the price of foodgrains and fruits, leading to point-to-point Wholesale Price Index (WPI) dip for the third consecutive week from 3.34 per cent in the previous week and the index was 3.18 per cent a year ago. PTI | Punjab | Haryana | Jammu & Kashmir | Himachal Pradesh | Regional Briefs | Nation | Editorial | | Business | Sport | World | Mailbag | In Spotlight | Chandigarh Tribune | Ludhiana Tribune 50 years of Independence | Tercentenary Celebrations | | 122 Years of Trust | Calendar | Weather | Archive | Subscribe | Suggestion | E-mail |

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Google Directory - Regional > Europe > United Kingdom > Business and Economy > Property > International Directory Help Search only in International Search the Web International Regional > Europe > United Kingdom > Business and Economy > Property > International Go to Directory Home Web Pages Viewing in Google PageRank order View in alphabetical order 1st for French Property - http://www.1st-for-french-property.co.uk/ Offers property search by region and includes information about adding properties. WEF - http://www.vefuk.com/ Estate agents specialising in the sale of properties in France, and international new build property. Federation of Overseas Property Developers, Agents and Consultants - http://www.fopdac.com Trade association for specialists in the international property market. Contains a directory of members and fact sheets. Owners Overseas - http://www.ownersoverseas.com/ Properties mainly in Spain and the USA. Site includes a database of properties and a buyers' guide. Solvista - http://www.solvista.co.uk Specialise in country properties in Andalucia, Southern Spain. Luxury coastal apartments, villas and farm houses with land for renovation. Spanish Connection - http://www.spanish-connection.co.uk Information for UK residents wishing to buy properties in Spain. Ultra Villas - http://www.ultravillas.co.uk/ Spanish property consultants specialising in the sale of freehold properties. Details of homes and prices available. Elite Spanish Properties - http://www.espvillas.com Offer estate agency service for villas on the Costa Blanca and Costa Calida coast. David Headland Associates - http://www.headlands.co.uk/ Offering property in Spain, Portugal and Cyprus. Includes a search feature and a brochure request form. French Property Service - http://www.frenchpropertyservice.com Buy, sell or rent French property. Searchable database. Spanish Property Auctions - http://spanishpropertyauctions.com Re-possesed property coming to auction in Spain. Fine Property France Estate - http://www.finepropertyfrance.com Properties for sale in South West France. Search the property database. The Turkish Property Centre - http://www.theturkishpropertycentre.com/ Turkish homes for sale. Details of properties, advice, rentals, services and customer testimonials. Sunny Property - http://www.sunny-property.co.uk/ UK and Turkey based estate agents offering property for sale in North Cyprus. Eurofarms - http://www.eurofarms.com Help for farmers wanting to relocate to continental Europe. Lemon Tree Villas - http://www.lemontreevillas.com/ British property management agents for the Costa del Sol offering both property for sale and holiday rental management and advertising. World Class Homes - http://www.worldclasshomes.co.uk Independent international real estate agency. Offering homes throughout Spain, the Balearic Islands, Gibraltar, Portugal and Bermuda. Spanish Property Company - http://www.spanishpropertycompany.co.uk Country properties and building plots for sale in Almeria, inland from Mojacar Southern Spain. Coastal Estates - http://www.coastal-estates.com/ Offers for homes for sale, rent and investment in Orlando, Florida. Details of properties and service. Based in Southampton. Propertunities - http://www.propertunities.co.uk Selling properties, villas, apartments, maisonettes, on the Spanish Costa Blanca. Spain Direct Ltd - http://www.torrevieja.uk.com/ Sells new freehold property on the Costa Blanca in and around Torrevieja. Profile, services and brochure request., CIPS International - http://www.cipsinternational.co.uk/ Assists and guides people through the property purchasing procedure in Spain and Portugal. Spain SA - http://spainsa.com/ New and resale property in Costa Calida and La Manga, Spain. Profile, property database, brochure request and buying hints. London Paris Dream Home - http://www.parisdreamhome.com/ Provide search, legalities, renovation, refurbishment and decoration services for those wishing to purchase property in Paris. The International Property Show - http://www.internationalpropertyshow.com/index2.htm UK exhibition for information on properties overseas. Your Property Abroad - http://www.yourpropertyabroad.com Guide for UK residents wishing to manage their properties abroad. Assist in property inspections, relocation, property sales, and holiday homes. Homes in Bulgaria - http://www.homesinbulgaria.co.uk/ Property and real estate purcasing in all areas of Bulgaria including advice on business and holidays in ski resorts and on black sea coast. DSI Properties - http://www.dsiproperties.co.uk Spanish Property for sale on the Costa Calida, Costa Almeria and Lanzarote. Harringtons Estates Limited - http://www.euro-properties.net Searchable database offering properties for sale in Spain. Information on schools, taxation, mortgages and legal terminology. Bluewater Homes - http://www.bluewater-homes.co.uk UK based real estate company specialising in the sale of properties on the Costa del Sol, Spain and in Crete. Overseas Property Shop - http://www.overseaspropertyshop.com/ Offers freehold apartments, villas, bungalows located in Jalon Valley, Moraira, Calpe, Denia, Torreveija and La Marina. Spanish Dream Homes Ltd - http://www.spanishdreamhomes.co.uk/ Offer a selection of properties for sales in Torrevieja. Rose Developments - http://www.rosedevelopments.com/ Independent Spanish home finder service focused on Almeria area. Details of service, location and buyer's guide. Office in Cheltenham. Spanish Property Sales - http://www.spanishpropertysales.co.uk Spanish properties for sale. Hotspotz - http://www.hotspotz.co.uk/ Sells new and used mobile homes in Spain, France, Portugal and the Canaries. Profile, services, available properties and FAQ. Classic Florida Realty, UK - http://www.classicfloridarealty.com/ Specializes in Florida villas for sale and rental. El Sol de Espana - http://www.elsoldeespana.co.uk/ Independent Spanish property agency with two offices in the UK. Details of regions and properties. Zafra - http://zafra.pwp.blueyonder.co.uk/ London based firm specialising in finding properties in Spain. Flamenca Homes Spain - http://flamencahomes.tripod.com/ Covering aspects of purchasing property in Spain for holiday, retirement or investment. Details of properties and resources for buyers available. Property in France - http://www.propertyinfrance.co.uk/ Property company specialising in the sale and rental of property in France. Details of service, properties and company background. Based in Solihull. Wrights Overseas Properties - http://www.wrights-overseas.com Property available in the Costa Blanca. Lowery's USA - http://www.lowerys.co.uk Specialists in US property sales and rental accommodation, based in the UK, but with offices in Kissimmee, Florida. Belair Spanish Homes - http://www.belaircasas.com/ A Marbella-based estate agent with a UK office offering properties for sale in Spain. Details of properties and the region. Properties of Distinction - http://properties-of-distinction.com Offers a selection of properties for sale throughout France with a search facility by area. The Overseas Property Partnership - http://www.property-partnership.com/ Introduction agency for properties in Spain and Cyprus. Details of services, properties and flights for viewing. Based in Yorkshire. Mayenne Properties - http://www.mayenneproperties.com/ Land and houses for sale in northern France. Picture and prices available online. Belle Maison French Property Investments - http://www.belle-maison.co.uk Information on investments based on the renovation and resale of French properties. ReposenFrance - http://www.reposenfrance.net Property locating service for Normandy, Brittany and northern France. Spanish Homes Direct - http://www.spanishhomesdirect.com/ Offers a single point of contact for advice on buying, furnishing and renting property on the Costa Del Sol. Move to France - http://www.movetofrance.co.uk/ Offers property for sale in Brittany and Normandy. Profile, illustrated property list and information about fees. Sol Mar Properties - http://www.solmarproperties.com Property agents selling new property on the Costa blanca and the Costa del sol. Sunstate Properties - http://www.i-buy-property-in-spain.com/ UK estate agent offering properties for sale in Spain. Details of region and current properties. Exchange Estates Ltd - http://www.exchange-estates.co.uk/ Offers a Spanish villa sales service with a UK showroom. Based in Liverpool. Grassroots - http://homepage.ntlworld.com/p.hortonis Brittany garden and property maintenance service. Estates24 - http://www.estates24.com A searchable online database of international real estate listings of residential and commercial property for sale. Database entries concentrated in United Arab Emirates. Help build the largest human-edited directory on the web. Submit a Site - Open Directory Project - Become an Editor Modified by Google - ©2004 Google Advertise with Us - Jobs, Press, Cool Stuff...

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Vail Colorado Real Estate - Slifer Smith & Frampton All Areas Vail Arrowhead Avon Beaver Creek Bachelor Gulch Cordillera Dotsero Eagle Eagle Ranch Eagle Vail Edwards Gypsum Lake Creek Mountain Star Minturn NW Eagle County Singletree Wildridge Wolcott Out of County All Property Types Single Family Townhouse Duplex Commercial/Income Condominium Homesite Farm/Ranch Parking Space Interval Ownership Triplex, Plus Mobile Home All Prices $0-$200,000 $200,001-$300,000 $300,001-$400,000 $400,001-$500,000 $500,001-$750,000 $750,001-$1,000,000 $1,000,001-$1.5 mil $1.5 mil-$2.0 mil $2.0 mil-$2.5 mil $2.5 mil-$3.0 mil $3.0 mil-$3.5 mil $3.5 mil-$4.0 mil Over $4 mil Analysis by month. Analysis by area. The Vail Valley is in the heart of the Colorado Rockies offering vacationers and homeowners alike a variety of four-season activities such as skiing, snowboarding, biking, fishing, hiking, exquisite shopping and an array of dining options. While many come for the first time on vacation, so many decide they want to either stay forever or at least have a second home. Slifer Smith & Frampton Real Estate is consistently voted the #1 real estate company in the Vail Valley by Vail Daily readers. With over 100 brokers and 19 offices in Vail, Lionshead, Beaver Creek, Avon, Bachelor Gulch, Arrowhead, Mountain Star, Edwards, Cordillera, Red Sky Ranch and Eagle Ranch, we are the logical choice for all of your real estate needs. Slifer Smith & Frampton Real Estate is a joint venture with Vail Resorts offering the most experienced brokers and representing nearly 50% of mountain properties sold in the Vail Valley. We specialize in Vail real estate , Beaver Creek real estate , Bachelor Gulch real estate , Arrowhead real estate , Edwards real estate , Cordillera real estate and Gypsum and Eagle, Colorado Real Estate . Our website features all Vail Valley homes and properties currently for sale , as well as providing the most comprehensive overview of the Vail Valley . As the only real estate company with a history that starts with Vail, we have been the most trusted name in Vail Valley real estate for more than 40 years. Development Projects • Real Estate Sales • Vacations & Lodging Broker Center Web-Site Map

Land Loan , In

LoanUniverse Community - Commercial Land Loan loanuniverse.com Help Search Members Calendar Welcome Guest ( Log In | Register ) LoanUniverse Community Community Forums Loanuniverse Forums Outline ·[ Standard ] · Linear+ Commercial Land Loan , In Miami Florida Track this topic | Email this topic | Print this topic Marnie1065 Dec 6 2005, 08:37 PM Post #1 Summer Intern Group: Members Posts: 1 Joined: 6-December 05 Member No.: 1,029 Hi everybody. I just found this website. I am looking for commercial loans. I have a client that owns 42 acres , it is zoned agriculture. It is a great location , next to a school and subdivision. He is looking to refi at the highest LTV possible. He does plan on building homes in the future or possible selling off individual lots. The land currently has a 2 million loan on it. The value is 6.5 million. He has owned it for 1 yr. It is actually a corporation of 4 and they all have great credit and tons of assets, their worth is in the millions They also want to purchase another piece of land for 12 million. Any ideas? Thanks -- loanuniverse Dec 7 2005, 09:27 AM Post #2 Administrator Group: Admin Posts: 1,089 Joined: 23-September 02 Member No.: 1 Is the $152M per acre value an as is value as agricultural land? Or an speculative value assuming a rezoning? Is it supported by actual sales? If the value can be supported, I am sure someone can be found to lend at least 50%. Depending on the adjusted net worth of the individuals, maybe significantly more. Many lenders are avoiding land right now in my market unless there is an existing relationship with the developer. I know that I would feel uncomfortable recommending a land loan unless the investors are experienced. -- lelting Dec 14 2005, 10:48 PM Post #3 Full-Time Teller Group: Members Posts: 13 Joined: 13-November 05 Member No.: 971 I can help you with the 12 million dollar purchase>I have private investors that will fund at 100 LTV -- LenderBuddy Dec 15 2005, 10:55 AM Post #4 Head-Teller Group: Members Posts: 23 Joined: 11-November 05 From: San Francisco Member No.: 968 If there are crops growing on the land or the land is zoned agricultural then we are talking agricultural land loan and that is a different beast. I haven't worked on one of them in a while but you need to speak with someone who specializes in ag loans. FarmerMac is involved in those transactions and I believe the LTV can go as high as 70%. Good credit and strong financial position are required. Drop me a personal message and I'll forward you the contact information of a guy who specializes in agricultural loans. He can give you all the information you need. -- « Next Oldest · Loanuniverse Forums · Next Newest » 2 User(s) are reading this topic (2 Guests and 0 Anonymous Users) 0 Members: Close Topic Options Track this topic Receive email notification when a reply has been made to this topic and you are not active on the board. Subscribe to this forum Receive email notification when a new topic is posted in this forum and you are not active on the board. Download / Print this Topic Download this topic in different formats or view a printer friendly version. Forum Home Search Help Community Forums |-- Loanuniverse Forums Lo-Fi Version Time is now: 29th December 2005 - 03:39 PM Invision Power Board v2.0.4 © 2005 IPS, Inc.