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The 5 councils to announce simon baker home

Simon Baker , expert in online classifieds and current head of ad Classified Ventures (cav) , offers several recommendations to those who want to sell your home. His opinion is one of the most considered in the world of property portals, having been CEO for seven years the reference portal Australian REA Group, which operates in 10 countries across 22 sites.

Their advice is:

1) Using the Internet
70% of buyers use the network in the first place to look for your home, so it should be first choice for advertising ( how to advertise in idealista.com )
2) Highlight your ad
Being online is not enough, it should be noted. Baker recommends using property portals such as idealista.com and once inside they try to get our message stand out from others with a lot of photos and information about the property. "If not, the buyer of your listing will" (how to make good photos )
3) Being at the top of the listings
Therefore, in addition to the above, it should invest in services that often featured have the classifieds portals ( how highlight your listing )
4) Make sure
marketing your property is in the hands of professionals who advertise on real estate portals like idealista.com because it's like looking people.
5) adequate price
People look at price and information on the property, so that both issues should be adequate.

Source: idealista.com news

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BE CAREFUL IN SIGNING A CONTRACT WITH A BANK

analyze all points of a contract, avoiding complex products and ensure all costs ; key to avoid conflict with your financial institution.

By signing the contract a deposit or a loan with your financial institution should thoroughly monitor each of the clauses of the document, almost as if his life it. Even if the bank concerned life, despite dealing with business like a friend. Because many of the complaints that reach the Claims Service Bank of Spain should be, precisely, discrepancies between the entity and the customer to liquidate a product.

To avoid having to file a complaint with the regulator, the best move is to know when dealing with your organization . Consider the following tips to prevent more of a problem whose solution, but you are right, is not guaranteed.

transparent information. is the basic rule that advises the Bank of Spain for a contract to comply with good banking practices. Any documents you receive from your organization will be "allow knowledge and understanding of contract terms" . In addition, your organization should require that these texts "confusing stipulations fleeing or likely to support conflicting interpretations over the life of the contract." Since, in most cases, long-term products such as loans, you should demand that your body sends you regular information on the extracts. Any document you receive will be tacitly accepted, if not opposed to it within a specified period.

Mortgage Approvals. should not hire products (accounts, cards, insurance, etc.) With the entity with which he is to take out a mortgage, based on the expectations generated before approving it. The concession is only formal when it is finally approved, although the linkages may be required if you are legal. In addition, your organization must inform you about the amount of provisions (money that is anticipated in respect of the agency, lawyer, etc..) broken down by item. The institution must also inform you must pay the costs of appraisal and notary, although these operations are imposed by the banks themselves. Commissions

mortgage. The fee, which has recovered since the crisis began, includes all school expenses, grant and loan processing. For loans in foreign currency, also includes the exchange commission. As for the costs of document management, can be applied only when requested by the client directly, it is possible for users to perform all these steps on their own.

Subrogations. There are up four cases in which certain maximum fees may apply, depending on the laws of each moment. For variable rate mortgages prior to April 27, 2003, the commission by subrogation or early repayment may not exceed 1 percent, for after that date, the maximum commissions are 0.5 and 1 percent, respectively. For fixed rate loans, the maximum flow of subrogation will be 2.5 percent. In addition, must take into account that since the December 9, 2007, an entity may apply for compensation by subrogation waiver if it causes loss to the first entity with the signing of the credit. At most, you may be charged 0.5 percent.

Settlement of claims. must require the institution to clarify in the mortgage coupon rate, the actual cost of the operation (Annual Percentage Rate-APR-), and the amount, number and date of payments to be performed and any charges (not just those paid in the beginning) . To avoid conflicts in future revisions, should know that the publication anticipated Euribor , in the first days of each month, is not official until made public by the Bank of Spain (mid-month.) In addition, revisions are made, not by calendar months from date to date. Nor can the institution to apply the rounding-up in interest.

Provision of money. Before opening an account with others, you must know the limitations of each product. In indistinct or joint accounts, any of the owners may dispose of funds, in the pools, require the consent the other holders to perform this operation, to change from one type to another account, you will need authorization from the entity and of all the headlines. The money may have allowed one account, but not modify or lock conditions. When parents are discrepancies between the accounts of their minor children, the bank should wait for a court ruling before allowing the provision of money to any of them. Yields

. In reviewing the contract for a savings product, you should discuss the APR, which includes not only the interest that provides, but also the cost of commissions. Entities may apply for maintenance costs, administration, reimbursement of funds, effective provisions for "non-customers' cash income and overdrafts. In addition, a distinction between the value date (when it starts or ends the accrual of interest) and operation (when the point is made in the records of the entity). Since last October 1, Saturdays are not counted as working days for estimating yields of a product.

Cards. Before hiring a card, make sure that it is not a payment referred to as "revolving", which is not possible to issue an amortization table, because the debt is being regenerated as is amortized. It is therefore advisable to ask your bank to pay the outstanding balance, the deadline for completion of the debt outstanding shares, as well as the time when they are having automatic extensions of debt, which exceeds the initial amount agreed with the bank or box.

Source: activanorte.com / / finanzas.com

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AID TO HOUSING SUFFER MAJOR CUT FROM JANUARY

To reduce the deficit and overcome the situation economic Spain has to tighten their belts. Aid cuts are never welcome, but when they affect a basic commodity such as housing need, the effect is even worse. The late Ministry of Housing announced in September a saving of 1,200 million euros between 2011 and 2012 due to cuts in aid from the State Housing Plan and Rehabilitation (PEVR), a cut that has already arrived.

This proposal has materialized this week Secretary of State for Housing and Urban Projects , Beatriz Corredor, influencing both state and measures on the items are the Autonomous Communities to spend on subsidies housing.

So, with this restructuring will disappear from next year the direct state aid to the Entry (SAFE), which are protected by homeowners who were granted, the aid to developers for land acquisition and development, the subsidy informative single points of each region and the Reserve Effectiveness. In addition, 40% reduced aid to developers of rental housing and aid to developers of housing for specific groups, among which include youth, or vulnerable.

speaking economic and according to Secretary of State for Housing and Urban Projects, the abolition of Aid Direct Entry into the savings would buy 750 million euros. For its part, the elimination of subsidies to developers for development or land acquisition will save 67 million and lowering the subsidy for the promotion of new social housing for rent, equivalent to 206 million less.

The Government intends to offset the elimination of the SAFE allowing mortgage loans subsidized housing can reach up to 90% of its value . One measure that has not reaped the acceptance expected.

"The policy of the Ministry of Housing was always a subsidy policy," explained sources of the Community of Madrid, one of the regions most affected by cuts in Housing. However, it is not unique. The Minister of Housing in La Rioja, Antonio Burgos, explained the cuts, when the corridor became known to the directors of the branch of each Autonomous Community, the housing policy of the community was "complementary to the state", and the amendment would be "very concerned". For his part, Minister Gallego, Augustine Hernandez, asked the minister that the cut would be limited Galicia at a minimum so would "prioritize housing policies."

fotocasa.es , 26/11/2010