One of the major case why your home loan application was rejected due to this factor. Your CAR.
Why??? It is because the car installment is exceed more than 15% of your monthly income. Before bank approved your loan there are few methods of their calculation to consider your application.
Saturday, 9 April 2011
Thursday, 24 March 2011
For Sale By Owner - The Tips PART 2
The tips will continue from the last post. Please focus on the next tips I will provide later.
6. Answering your phone is paramount as a Fsbo seller. It sounds simple, but many people who are selling their homes Fsbo miss potential buyers who are calling to inquire. Make absolutely certain you or someone else is available to take calls. Don't assume that an answering machine or voice mail service is sufficient
because many potential buyers won't leave a message when they call.
7. Always have a yard sign and flyers. When potential buyers visit your neighborhood to see a particular home, they'll look for other homes that are for sale. If visitors don't know your home is for sale, you may miss potential sale opportunities.
8. Fsbo sellers need to create an online listing for their home on the internet and may consider using the FSBO marketing services that are available on the web. The key to selling your home is proper exposure and your chances of finding a buyer are greater when you make it highly visible to potential buyers.
9. Partner with a bank or lender to offer potential financing sources for prospective buyers. Local banks, credit unions and mortgage brokers may be able to offer financing deals that can help a buyer get into your home. Offer all visitors financing information from your local bank or lender when they tour your home.
You want to make sure any potential buyer is qualified to buy the home.
10. Spend some time on your home's landscaping. Making the outside of a home look appealing and fresh is just as important as making the inside look nice. Remove or trim bushes. In the summer, plant attractive flowers, cover beds with wood chips or mulch and keep things weed free. Mow the lawn frequently. If you don't know anything about landscaping, check with a local nursery, gardening club or even a nearby university with a botanical program. Students are often willing to take on landscaping projects.
This is the few tips that you can consider using it. The main this is LOCATION, EXPOSURE and PRICING is the key to sell it.
6. Answering your phone is paramount as a Fsbo seller. It sounds simple, but many people who are selling their homes Fsbo miss potential buyers who are calling to inquire. Make absolutely certain you or someone else is available to take calls. Don't assume that an answering machine or voice mail service is sufficient
because many potential buyers won't leave a message when they call.
7. Always have a yard sign and flyers. When potential buyers visit your neighborhood to see a particular home, they'll look for other homes that are for sale. If visitors don't know your home is for sale, you may miss potential sale opportunities.
8. Fsbo sellers need to create an online listing for their home on the internet and may consider using the FSBO marketing services that are available on the web. The key to selling your home is proper exposure and your chances of finding a buyer are greater when you make it highly visible to potential buyers.
9. Partner with a bank or lender to offer potential financing sources for prospective buyers. Local banks, credit unions and mortgage brokers may be able to offer financing deals that can help a buyer get into your home. Offer all visitors financing information from your local bank or lender when they tour your home.
You want to make sure any potential buyer is qualified to buy the home.
10. Spend some time on your home's landscaping. Making the outside of a home look appealing and fresh is just as important as making the inside look nice. Remove or trim bushes. In the summer, plant attractive flowers, cover beds with wood chips or mulch and keep things weed free. Mow the lawn frequently. If you don't know anything about landscaping, check with a local nursery, gardening club or even a nearby university with a botanical program. Students are often willing to take on landscaping projects.
This is the few tips that you can consider using it. The main this is LOCATION, EXPOSURE and PRICING is the key to sell it.
For Sale By Owner - The Tips PART 1
It was a great news to FSBO (For Sale By Owner). NOT to worried that going the FSBO seller
route means that you'll miss out on all of those great agency sales tactics, you're wrong. You can do the same things that any real estate agent would suggested. To get you started, here’s a list of the top 10 things you can do for your home when you're trying to sell your home by owner.
1. Create multiple means of exposure. Houses sell when they're exposed to potential buyers. The more exposure you create, the more likely you are to sell. "Multiple means of exposure" means listing it on a FSBO site, providing pictures, tours, and information buyers want to know. Advertise your home in the newspaper. Print flyers that list the details of your home and be available to show home. Some buyers have turned to television ads for sale on real estate channels to attract buyers. The more exposure you provide, the easier it is for potential buyers to find.
route means that you'll miss out on all of those great agency sales tactics, you're wrong. You can do the same things that any real estate agent would suggested. To get you started, here’s a list of the top 10 things you can do for your home when you're trying to sell your home by owner.
1. Create multiple means of exposure. Houses sell when they're exposed to potential buyers. The more exposure you create, the more likely you are to sell. "Multiple means of exposure" means listing it on a FSBO site, providing pictures, tours, and information buyers want to know. Advertise your home in the newspaper. Print flyers that list the details of your home and be available to show home. Some buyers have turned to television ads for sale on real estate channels to attract buyers. The more exposure you provide, the easier it is for potential buyers to find.
Wednesday, 23 March 2011
MLTA as low as RM20/month
Many of us already own homes and many are resolved about to buy a home. House is an asset that should we have to ensure our future. Among the issues we must consider in buying a house is mortgage insurance. There are two mortgage insurance is the MRTA and MLTA.
MRTA
1. Not transferable. Can not be transferred. If you refinance or purchase a new home, must take a new policy. Eg, the same home refinance after 5 years, with the SAME tenure and loan amount, the cost will increase MRTA (increase per age).
2. Decreasing coverage. MRTA only cover the loan balance.
3. Insurability is not Guaranteed. Every time buy MRTA policy, age and health factors are taken into account.
4. If the home sale or refinance, refund carumah MRTA who have paid can be claimed and paid on a pro-rate (pro rata) in accordance with the balance of the loan.
Examples of cases: Mr. Z buy home loans RM150k, RM150k MRTA also, for the past 30 years. After 5 years, Mr. Ali experiencing permanent disability (TPD). The remaining loan is RM120k. So the insurance company will pay RM120k to the bank.
MRTA
1. Not transferable. Can not be transferred. If you refinance or purchase a new home, must take a new policy. Eg, the same home refinance after 5 years, with the SAME tenure and loan amount, the cost will increase MRTA (increase per age).
2. Decreasing coverage. MRTA only cover the loan balance.
3. Insurability is not Guaranteed. Every time buy MRTA policy, age and health factors are taken into account.
4. If the home sale or refinance, refund carumah MRTA who have paid can be claimed and paid on a pro-rate (pro rata) in accordance with the balance of the loan.
Examples of cases: Mr. Z buy home loans RM150k, RM150k MRTA also, for the past 30 years. After 5 years, Mr. Ali experiencing permanent disability (TPD). The remaining loan is RM120k. So the insurance company will pay RM120k to the bank.
How to buy foreclosed homes
Nowadays even the houses of players are in danger of being closed, thanks to the economy, major economic slowdown to rehabilitate. So you have the option to just wait tapped into when you plan to buy the home of the movement, but only when the process enough knowledge, information and assistance, either from the beginning to the end of the purchase.
Must never throw foreclosure without professional help because the process itself can be a complicated, complex, and now. So the possibility of a higher level after the space future than the other side of the building or a good investment in your home. But here are the steps to buying a House movement in the right way.
Your Research
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