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Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages on Yahoo! Real Estate Find Real Estate, Rentals, New Houses, Real Estate Agents and Mortgages Choose Location Home Homes for Sale Apartments for Rent Home Loans Moving & Insurance Tools My Real Estate Hurricane Katrina Resources Features Classifieds • Sell Your Home • Rent Your Apartment Home Loans • Mortgage Rates • Online Rate Quotes • Refinance Loans & Rates • Home Equity Loans & Rates • Free Credit Reports Resources • Find & Compare REALTORS • Find a Mover Insurance • Homeowner's Insurance • Renter's Insurance Tools • What's My Home Worth? • Research Neighborhoods • Free School Reports • Foreclosure Center • Home Service Center Commercial Real Estate • List Commercial Property National Mortgage Rates Thu Dec 29 Mtg Loan Rate APR 30-yr Fixed: 5.70% 5.88% 15-yr Fixed: 5.27% 5.57% 1-yr ARM: 4.53% 6.89% See Local Mortgage Rates Provided by Bankrate.com Neighborhood Profile Research neighborhoods nationwide! City, State, or Zip: Real Estate Listings Browse by City New! Home Loans Center - Find, Compare, & Graph Rates Find a Home Find a Rental City & State, or Zip: Price Range: $0 $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million to No limit $30,000 $50,000 $80,000 $100,000 $125,000 $150,000 $175,000 $200,000 $225,000 $250,000 $275,000 $300,000 $350,000 $400,000 $450,000 $500,000 $550,000 $650,000 $750,000 $850,000 $1 million $1.25 million $1.5 million $1.75 million $2 million $2.25 million $2.75 million $3 million $3.5 million $4 million $4.5 million $5 million $6 million $8 million $10 million Beds: Any 1+ 2+ 3+ 4+ 5+ Baths: Any 1+ 1 1/2+ 2+ 3+ 4+ 5+ Search For: Existing Homes Yahoo! Classifieds New Homes Foreclosures Advanced Search Search Commercial Real Estate Mortgage Payments Calculate your biweekly & monthly payment for different loan amounts, interest rates and amortization terms. Loan Amount: $ Term (years): Interest Rate: % Show table?: Yes No See More Loan Calculators Sponsored Links Real Estate Agent License $59 online exam prep 1st time pass guarantee all 50 US states. Free teaching assistant. www.e-realestatelicense.com CA Real Estate License Course DRE approved real estate agent, broker and appraiser license courses. Study at home. Job assistance and payment plan available. www.educationengine.com Real Estate License - CA, VA, TX or WA CA, VA, TX or WA real estate license. DRE-approved online and traditional courses with a proven 98% state-exam pass rate. 110% money-back offer. Quick and easy packages. www.realestatelicense.com (Become a Sponsor) Partner Spotlight Featured Sponsor Find a Local REALTOR by HomeGain • Find & Compare REALTORS • Get Home Prices Featured Videos Dream Home Videos by Inman Stories Real Estate News Can separated couple sell two houses in one year? Dec 20, 2005, Inman News Realty Reality: HOA Members have Greater Access to Records Dec 20, 2005, Realty Times Demystifying Escrow For First-Time Home Buyers Dec 15, 2005, RealEstateJournal.com Housing starts rise, core inflation tame Dec 20, 2005, Yahoo! Finance Dubai firm in 26.6-billion-dollar Saudi project (AFP) Dec 20, 2005, Yahoo! News Number of New Homes Increase for a Strong Year Dec 20, 2005, Quicken Loans more real estate news Homes For Sale - Apartments For Rent - Current Mortgage Rates - Real Estate Agents - Local - Yellow Pages
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For sale by owner: selling a house on your own Sell Your Home on YourOwn For Sale by Owner: Selling a House on Your Own Withthe potential rewards that can be gained--saving $4000, $8,000, $12,000 or more (minus your expenses) by not havingto pay a Brokerage commission, many people wonder why less than 20% of home sellers undertake the task of sellingtheir houses on their own. Possibly it has something to do with expertise. Many home owners who consider a selfsale of their house back off when they see the level of knowledge and commitment that is needed to do an effectivejob. If you decide, however, that self selling is the best option for you, you will find the vast majority of theinformation on this Web Site to be of value. Most of what you will find here will be geared to either doing thejob yourself or monitoring the job that your Agent is doing. The most successful home sellers are those who takean active role in the process, whether it is as a sale by owner or a sale by an Agent . If you feel that the bestroute is to sell your home yourself, then having as much information at hand is crucial. You will find many helpfulhints on this web site, but an excellent source of additional information is Kevin Wood's newly revised Real EstateSecrets . Kevin was a top producing real estate broker andowned two real estate companies. He has a strong opinion that the public is not getting their money's worth fromthe real estate industry. You can get more information on his Secrets Course here . Advantages Of Selling A House On YourOwn There is no Brokerage Fee (commission) to be paid. You receiveall of the proceeds (less marketing costs). This is, of course, the biggest benefit of selling your own house. You are in total control of the transaction. If mistakes are made, they are your own. There is no one elseto make mistakes "for" you. If your equity is low, you may be able to sell your house withouthaving to write a check. Youare always available at the home for showings, answering inquiries, etc. Disadvantages Of Selling A House On Your Own You must rely on your own instincts. All marketing and advertising costs are your own, which can be an expensive proposition. For an economical wayof marketing your home with a wide reach, visit ForSaleByOwner.com , whereyou can list your home online. Unless you pay to have your listing included, you will not have access to the MLS--the Multiple Listing Service.You must hunt for buyers one at a time. Without all the tools in hand, you may underprice or overprice the house. For information on getting price comparisonsfor your neighborhood, visit the HomePrice.net site . Or,if you're thinking about selling your home in the next 12 months, HomeGain.com has a FREE service that is designed to help you get an estimate of your home's value. Knowing how much your home can be worth is oneof the first steps in beginning to market the property. Click here for more information If you are not skilled in negotiation, you may leave money on the table. All of the paperwork, legal forms, etc. are your responsibility and must be handled by you. If you want to give maximum benefit to your efforts, your free time will be somewhat or severely limited. Many buyers believe that if you are selling on your own and not paying a commission, it is they (the buyers) whoshould get the saving--not you. As you approach negotiations, you must sever emotional ties with your house or you will place yourself at a disadvantage. You must become knowledgeable of legal and financial issues to be most effective. Online Marketing Resources Market your home at ForSaleByOwner.com Hints on Selling Your House on Your Own Don't scrimp on your house preparation. Remember, you will be in competitionwith house listed by Agents who will coach their sellers on all aspects of preparing their homes. Be aware of all legal requirements for disclosures in your area. Not disclosingnecessary information or not using the correct form could leave you open to legal action from a buyer. Become an expert in advertisingand marketing . Make your house stand out! Familiarize yourself with offers and contracts now--don't wait until you have one in your hand. Get maximum exposure. ForSaleByOwner.com offersa complete menu of services if you want to sell your home on your own. Packages available range from a comprehensivemarketing plan up to a complete deluxe package taht will market your property until it is sold and keep your home on the MLSand Realtor.com for 6 months. Clickhere for more information . Be aware of equal housing laws. Not only is discrimination stupid (you limityour potential market), it's illegal! If selling your house on your own appears to be your best option, the checklist will be of great value to you. If you feel that using an Agent may be the way to go, see the section devoted to finding and selecting an Agent . Get Kevin Wood's Free Report: 7 Critical Real Estate Secrets Name: E-mail: FreeHome Value Estimate ContractForms for All States RELATED TOPICS Selling your house with an Agent Evaluation and Feedback Sell on Your Own HOME | Checklist | To-Do Lists | Set a Value | By Owner | With an Agent | Preparation | Showtime | Research | More Links
Investment Property $17.74 ex
GoodReturns Bookstore Top : Catalog : Home | Log In | Create an Account | Cart Contents | Checkout | Contact Us Categories - Top 10 Best-Sellers (10) - Conferences & Seminars (1) - Finance & Wealth Creation (68) - Free Books (7) - Good Business Reads (9) - Investment & shares (60) - Kids & Money- (7) - Magazines & Newsletters- (29) - Massey texts (6) - Mortgages (3) - Other (3) - Property Investment (67) - Superannuation & the economy (7) - Trusts (5) - Tax (5) - Combo Book Deals (15) - Book Tokens (1) What's New? The Intelligent Investors Guide to Share Buying Quick Find Use keywords to find the product you are looking for. Advanced Search Information Shipping & Returns Privacy Information Security Conditions of Use FAQ Contact Us Home Product Information Your Investment Property $17.74 ex GST $19.96 incl GST How to choose it, pay for it and triple your returns in 3 years. By Anita Bell Anita Bells two earlier books Your Mortgage and Your Money have sold nearly thirty thousand copies in New Zealand. The reason her books are so successful is simple. Her advice is practical, easy to understand and easy to apply. Her latest book Your Investment Property- How to choose it, pay for it and triple your returns in 3 years by someone who did it in 2, applies the same recipe. It shows you how to become a successful property investor by buying the right property, paying the minimum price and managing the property to ensure maximum returns. It also covers every aspect of the financial side too, from loans and property management plans to government fees and taxes and shows how to make the system work for you rather than against you. Buy the Anita Bell Book Combo and Save! - Your Investment Property - Your Money - Your Mortgage Click here now. This product was added to our catalog on Tuesday 10 December, 2002. Customers who bought this product also purchased Good Business, Bad Business How to Maximise Your Property Portfolio Slash Your Taxes Now! The Business of Share Trading The REAL Story Shopping Cart ..is empty! Bestsellers 01. Slash Your Taxes Now! 02. Residential Property Investment in New Zealand 03. Financial Passages 04. The NZ Property Mag - Annual subscription/Free book 05. Planning for Property Success 06. Pay Zero Taxes 07. Snakes and Ladders 08. The Truth About Residential Property Investment 09. Real Estate Investors' Secrets 10. Your Investment Property Specials $24.84 $21.11 More Specials.. Reviews .. More Reviews.. Friday 30 December, 2005
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Home Loans Friday, 30.12.2005 Ways of Banking Ways to pay Loans Credit Cards Transaction Accounts Savings Accounts Investments Foreign Currency Service Fees Rebates More Information Search this site Go | BNZ Home | Site Map | Terms & Conditions | Contact Us | Rates & Fees | Careers | Home Loans To find out about the Interest Rates, Service Fees, Account Fee Rebates for our Home Loans just select the option you prefer below: Classic Home Loan Interest Rate Standard, Fly Buys, GlobalPlus Home Loans and Packaged Offers Interest Rates Service Fees Rebates All interest rates are current as at the dates shown below and are subject to change without notice. Classic Home Loan Interest Rate Fixed Rates (Tailored and Standard Home Loans) Current % p.a. Effective from (new loans) Term 8.45* 28 November 2005 6 Month 8.45* 28 November 2005 1 Year 8.25* 12 December 2005 2 Years 8.15* 28 November 2005 3 Years 8.05* 28 November 2005 4 Years 7.90* 12 December 2005 5 Years 7.85* 12 December 2005 7 Years *Rate applies to Classic Home Loans only. Excludes Fly Buys, GlobalPlus Home Loans and packaged offers. Classic Home Loan fixed rate rolls onto our standard variable rate. All interest rates are current as at the dates shown below and are subject to change without notice. Standard, Fly Buys, GlobalPlus Home Loans and Packaged Offers Interest Rates Fixed Rates (Tailored and Standard Home Loans) Current % p.a. Effective from (new loans) Term 8.55 28 November 2005 6 months 8.55 28 November 2005 1 year 8.35 12 December 2005 2 years 8.25 28 November 2005 3 years 8.15 28 November 2005 4 years 8.00 12 December 2005 5 years 7.95 12 December 2005 7 years Variable Rates (Tailored, Standard, Rapid Repay, Mortgage One Home Loans) Current % p.a. Effective from (new loans) Effective from (existing loans) Loan type 9.55 16 December 2005 30 December 2005 Tailored/Standard 9.55 16 December 2005 16 December 2005 Rapid Repay 9.80 16 December 2005 16 December 2005 Mortgage One back to top Please note that Account Fees may be charged in addition to Service Fees and that all fees are subject to change without notice. Service Fees Type of Service Fee Loans they apply to Charge for service Establishment Fee** Residential owner occupied Home Loans $250 Establishment Fee** (includes switching to GlobalPlus) GlobalPlus $250 Top Up Fee, Rollover Fee, Re-draw (Standard Home Loans) All Home Loans (Excluding GlobalPlus) None Top Up Fee, Rollover Fee (Global Plus Home Loans) GlobalPlus $150 Re-draw Fee All Global Plus Home Loans $25 Account Fees for Rapid Repay Home Loan Account Fee Rebates may apply³ Monthly¹ Base Fee Rapid Repay Home Loan $3.50 BNZ Internet Banking † Rapid Repay Home Loan 25 cents Service Fees may apply Electronic transactions: EFTPOS, Bill Payments, Direct Credits, Direct Debits, Telephone Banking†, self service transactions Rapid Repay Home Loan 35 cents Service Fees may apply Automatic Payments² Rapid Repay Home Loan 50 cents Service Fees may apply ATM † Rapid Repay Home Loan 50 cents Service Fees may apply Cheques Written Rapid Repay Home Loan 65 cents Freepost Deposits Rapid Repay Home Loan 65 cents Branch/Staff Assisted transactions Rapid Repay Home Loan $1.25 Service Fees may apply Express Deposit Tower deposits Rapid Repay Home Loan $1.25 Customer Account Fee Rebates Rapid Repay accounts are eligible for monthly Account Fee Rebates on account transaction fees, monthly base fee, overdraft facility fee and Telephone Banking call charges. The monthly Customer Account Fee Rebate is determined by the average daily Group Balance for the month, as follows: Rebates Group Balances 100% of Account Fees rebated each month to a maximum of: Less than $25,000 $0.00 $25,000 - $49,999 $5.00 $50,000 - $74,999 $10.00 $75,000 - $99,999 $15.00 $100,000 - $124,999 $20.00 $125,000 - $149,999 $25.00 $150,000 - $299,999 $30.00 $300,000 or more $40.00 Our usual Service Fees are not included in the Customer Account Fee Rebates. If you have more than one Rapid Repay transaction account under the same base number then the account with the highest fees accrued will automatically receive the rebate (unless you nominate a specific suffix) To find out more about Home Loans click here . For further information including terms and conditions please send us an email or call us free on 0800 ASK BNZ (0800 275 269). back to top 1. Fees are charged on the last business day of each calender month and are based on the period between the last business day of the previous calender month and the second to last business day of the current month, inclusive. 2. Automatic Payments into your account from other parties are classed as Electronic Transactions. 3. Our usual Service Fees apply and are not included in the Account Fee rebate. † Although the Telephone and Internet Banking and ATM services will normally be available 24 hours a day, maintenance of the system is required from time to time. Accordingly, certain options may not be available for an average of three hours a week. This maintenance, however will be carried out at times which will cause the least disruption to you. ** For all home loans involving investment properties, family trusts and companies an establishment fee of up to 1% of the loan amount applies. © Bank of New Zealand 2001. Use of the information contained on this page is subject to our Terms and Conditions
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