Buying A Condominium Unit In Makati

As someone who lives down south of Metro Manila (think 1.5 hours stuck in the van or car when traffic is bad, and 3 hours when it”s just horrible), I”ve often found myself thinking of renting out a condominium unit in Makati, since the biggest and probably busiest business district in Manila today is Makati (although Bonifacio Global City is giving Makati a run for its money).

Often, to get to a decision I would write down the pros and cons of making such a move, so before I do jump the bandwagon and live out on my own, let”s list down the WHYs and WHY Nots of such decision shall we?

Why Not?
Because living alone in a big city is scary. And you”ve never tried living alone
Counter: but this will teach me independence which in the long run will build character.

The Rising Star Real Estate Company in India- Mona Townships

Amidst the slowing economy, decreasing real estate demands, falling share market of India, every day or the other we keep hearing here in India that the boom in the building real estate is almost gone. Driving your car in Delhi, India and the stuck in traffic jams on the city roads you wish to listen to some soft live music on the radio and there comes and advertisement from a company XYZ promoting its awesome flats of 2 BHK and 3 BHK as never seen prices, you come to know how desperate they are to sell even a single unit.

A single 2 BHK, Bedroom Hall Kitchen in India around Zirakpur/ Chandigarh around an year back could cost you around 40- 45 Lakh Indian Rupees, but after the slump and the fast decreasing demands in this sector, we see builders coming up with various offers such as a car free with a 2BHK flat in zirakpur, straight 30% discount. 20% down payment and the rest you can ask the bank to keep chasing you.

Some might even offer their kidney if you buy a flat. Sorry, jokes apart, but the lucrative offers are too true to be believed. The real estate mafia here in India would almost do anything to get their flats sold. Take an initial payment from you invested and promise you a possession in the coming 2 years deadline, and then you keep waiting for them to finish the buildings on time and give you the possession.

Kitchen Cabinets – Some Things To Remember

If you are either building a home or remodeling, you know how much a good looking kitchen cabinet can be for your home. The same holds true for a bathroom cabinet. There are many different places to look for both kitchen and bathroom cabinet supplier. You also need to know how to look for these things as well as know what to do to get the best price and value for your money and time.

Comparison Shop for These Items

There are many different places to look both online and offline for either a bathroom or kitchen cabinets. From building stores, to specialty stores and everything in between, both the internet and offline locations have many different suppliers. Bear in mind that to get the best value for your money, you will need to comparison shop for what you want and need in the building project for the least amount of money without sacrificing quality for the project you have in mind. This is one way to get what you want at a price that you can afford.

Commercial Mortgage Loans

Commercial mortgage loans are integral to the financing of commercial real estate projects. They represent debt secured by the potential or current property owner on a recourse or non-recourse bases to finance the purchase or refinance/cash out the property. Adequate debt acquired at attractive interest rates and terms can increase the investment yield of commercial real estate while simultaneously decreasing the investors equity in the project, reducing risk and allowing more liquidity of investor capital for future launch. Finding a lending source which is favorable to the specific project is crucial and making sure the cost of debt is less than the investment yield to generate a profit, a necessity.

The process of getting a commercial mortgage loan entails the lender qualifying the property and the borrower to determine financial strength and capacity to pay back the debt. Lenders are not in the business of taking properties for payment delinquency, but generating an attractive interest on their money deployed to investors for their investment activities. This qualifying process is termed underwriting and the financial viability of the project is scrutinized including the potential gross income, down to the effective gross income and the property expenses are scrutinized including all recurring expenses to derive a representative net operating income. The capacity of the real estate to support the debt is important to lenders, it is analyzed and the debt service coverage ratio resulting from the NOI/debt service is calculated to determine if it meets the minimum acceptable level; 1.20:1 is the minimum acceptable for multifamily and 1.25:1 for other commercial properties; however, this can change depending on how the loan is priced and the investor profile variables which increases or decreased the risk quotient attributed to the project.

The borrowers financial strength, investor experience and credit profile are relevant to the underwriting process, for both the property and borrower are considered. The borrowers net worth, other commercial real estate holdings, liquidity, etc are factored into the decision making in determining if the funding request is approved, disapproved or lender modified because of associative risk. It is the lenders objective to mitigate risk to within acceptable parameters while charging a risk premium, if necessary, and still fund the loan when all underwriting criteria are met. Commercial mortgage loans represent a viable means for borrowers to leverage their capital supplemented by debt secured elsewhere to fund acquisitions and refinancing. When the appropriate leverage is used it creates a fertile environment for profitability. However, over leverage can erode all profits. Lenders usually request property and borrowers financials to facilitate deciding if the request is fundable and how to price the loan. Transparency on the part of the borrower expedites the process and helps the creditability and borrower-lender relationship. Remember lenders are in the business of loaning money, but they need a certain level of assurance of repayment of loaned funds. Whatever borrowers can do to produce this assurance will help to get loan approval.

Mumbai Continues to be the Leader in Real Estate Market

Mumbai has always highlighted a positive trend in the realty segment. The article discusses about the latest realty trends in two locations, Borivali and Goregaon.

There was a time when the real-estate sector in almost all over India, but cities like New Delhi, Kolkata, Mumbai and Pune witnessed some remarkable growth in terms of residential units in the year 2012. The leading real estate consultants Cushman & Wakefield conducted a study across eight cities, viz. Delhi & NCR, Ahmedabad, Bangalore, Hyderabad, Chennai, Mumbai, Pune and Kolkata. The residential units constructed in these cities displayed a decreasing trend by approximately 16% (162,000 units) last year as compared to that in 2011. Mumbai emerged as an exception, which showed a growth of 72%(22,423 units), while Bangalore experienced a highest decline of around 50% (16,543 units). Capital value in Mumbai continued to rank higher as compared to the national average.

One of the premium localities in central Mumbai, Borivalidisplayed highest capital values across the city and emerged as one of the hottest residential property destination. Not only the residential real estate, the commercial real estate segment also saw some positive trends. According to the market experts, the prices of properties in these areas are no less than 8,000-14,000 per sq. ft.The rates totally depend on the location of the property as well as the specifications of the property. Because of the increased demand of the residential and commercial properties, the prices of properties have already gone up by 25-35%.

Strategies For Multiple Offers In Real Estate

Purchasing a house can be extremely thrilling, however when you are tackling multiple offers, it is tremendously important to keep cool head and not let your feelings — or your competitive nature — overshadow your good judgment because there are a lot of unscrupulous maneuvers a homeowner can implement when confronted with potential purchasers attempting to outbid each other for their home. Real estate professionals are also susceptible to taking advantage of both the purchasers and sellers to boost their commissions higher and closure rates more impactful. Without a doubt there are accepted rules of engagement that deal with such scenarios, however they are not always respected — so all involved has to stay focused and alert for signs of foul play.

To curtail unfair tactics that arise in the bidding procedures, some provinces literally make it illegal for sellers to list any price that they do not plan to agree to simply to escalate a bidding war. There are specific regulations involving multiple offers that involve non-disclosure of details while demanding that any alterations to the bidding procedure must be discussed with all parties before implementing. However in the search to finagle a higher bid, often times critical facts are intentionally revealed or even misrepresented to influence the potential bidders.

Ideally, when buyers find themselves up against multiple offers, they will present an agreement that has as few terms and conditions as feasible and gives a fair amount for the home with the hopes it will entice the homeowner. It is generally hard for prospective purchasers to resist the urge to make excessive offers in the heat of the moment, a behavior that can be exploited by unscrupulous sellers and agents who could send back a perfectly good offer to see if it can be sweetened.

Breast Tenderness

Every woman dreads the coming of menopause, which is defined as the single day that follows 12 months without menstruation. It isn’t so much the cessation of menstruation that is feared (many women actually welcome this particular change), rather it is the transition stage before menopause that women are afraid of. The unpredictable nature of hormones gives no fair warning to women, and they never know when or what will strike.

Breast tenderness occurs due to the many changes which your breasts undergo during your pregnancy. Your breasts begin to grow and change in preparation to feeding your baby. Your breasts are growing and the breast skin is stretching (which may cause stretch marks and sagginess). During your first pregnancy your breasts may grow up to two cup sizes. You may feel itching all over your breasts and a great sensitivity in your nipples. Some women even develop breast soreness which may be experienced during exercise or sleeping on their stomach. What you are sure to feel is that your breasts are much heavier.

Liver is important in fat and protein metabolism. Sluggish liver causes abnormal function of liver in regulating the levels of Omega 3 and 6 fatty acids resulting in increasing the imbalance of levels of PGE2 leading to breast tenderness and pain.Vitamins and minerals deficiency