Situation of the mortgages in the United States

Between 2010 and 2014 around a 1.4 trillion dollars in credits will arrive to their maturation date. Almost the half is at the present time in the situation of "underwater", that is to say the value of the loan is bigger to the asset of the guarantee the m2 value of the properties of real estate to fallen to but of 40% from the year 2007 to the current year 2010, they also fell the utilities of the rents in 40% for offices and 33% for commercial spaces, the increase of the unemployment is of 8% and it affects directly to the economy of the market, the banks in a half term could enter in insolvency.

He interviews the president of Malking Holdings, Mr. Peter Malkin that affirms us the situation criticizes of the real estate market in these days and like it affects the utilities of its real estate signature in more magnitude to that taken place by the buildings apartments of high quality classified as "class A" the highest in the sector, and in the commercialization of apartments of real estate in the last ones 3 or 4 years affected by the hypothecary crisis being expected an increase in the utilities of the rent but that at the moment they have gone down to a disconcerting index affecting the one he paid of the credits when these they conquer being those most affected ones the individual properties, I didn't seize the real estate signature Malking that didn't buy properties real estate in the last 5 years, besides possessing a conservative politics in what concerns to use hypothecary credits, in a mediate future they could acquire properties for the fall of the value real estate m2 but that the prices have not still played bottom for that the banks they have not been forced to liquidate the mortgages this will happen in next 24 months and he says that they will be attentive to the indexes of the value of the m2 of real estate, and preferably in the cities but important of the USA like NY, Chicago, Washington D.C., Boston, San Francisco.

Apartments, condominiums, houses in Miami for sale

Miami Lodge Realty (MLR) it is an agency of real estate of Miami and Miami Beach, Florida that operates so much in the market of real estate residential as in the market of real estate commercial, with a geographical emphasis in Miami, Miami Beach, Key Biscayne, Brickell, Coral Gables, Risks, Doral and Weston among others. The mission of our real estate one is to attend our clients, well be American or international clients, in all the aspects of the business of real estate. This means to provide them well with all the services that can require, be to buy houses or apartments, to sell houses or departments, to rent apartments, or simply to produce departments for a season vacacional or for trip of business.

Wide selection of departments and apartments for the sale in Miami. Our real estate one will facilitate him the search of apartments of 50 thousand dollars with investment purposes until departments in front of the sea with 5 rooms.

Luxurious properties in front of the sea, villages, mansions, closed communities, you marry and more. The complete guide of houses for the sale in Miami Beach, Weston, Doral, Coral Gables, Coconut Grove.

Buy townhomes or condominiums to pre-construction prices. The biggest and better selection of new projects of buildings in pre-sale in Miami.

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Legal information when buying a house, apartment or property

When we are to make such an important decision as the purchase of a property, it is indispensable to be able to obtain the maximum information possible of the future housing. We should keep in mind: 

1. The Registration of the Property, which will offer us information of who is the current proprietor of the housing that wants to buy and if it exists some rate type or obligation like they could be mortgages, censuses, judicial or similar seizures that impede the purchase of the property. 

2. The urban Norms The norms urban regulate in the ordination of a territory. A certificate sent by the City council or Municipality, allows to know if the property is affected by some urban plan. 

The last steps 

Once elect the housing, you will notarize the purchase-sale, and to sign the contract of the same one. 

It notarizes public of purchase-sale: the decisive step 

It is given the I finish Arras to the quantity of money that surrenders as sign of the treatment, it is a quantity from smaller money to the total price of the housing that you entrust to the salesperson, it is a guarantee for the definitive closing of the transaction that was carried out in a certain period. 

When lapsed the certain period you desist of the purchase of the property it would lose the given sum, because in that period the salesperson cannot assume commitments with other possible buyers, causing a lost one for the salesperson. On the other hand if the salesperson doesn't respect the conventional period or he sold the housing to another person, it will return him the quantity of the arras for copy. In case the operation was carried out the arras they are considered like part of the total payment. 

Of the Contracts 

The contracts of adhesion are edited previously by one of the parts, they generally carry out it the real estate ones and they are edited by their juridical advisers. This contract is carried out with the purpose of achieving satisfaction in both parts. Never firm the contract, if doubts existed in some of the clauses, before well it clarifies their doubts with a real estate juridical adviser or lawyer of trust, so that they are not doubts to the moment to accept and to sign the contract. 

The study of the contract should be carried out in advance and patience, analyzing each one of the clauses, keeping in mind who position of the expenses and derived taxes of the purchase will be made. Don't forget that in a contract rights and obligations exist in both parts, therefore don't assume commitments that he/she won't be able to complete. Remember that the General Law of Defense of the Consumers and Users, it protects their rights and he/she settles down that requirements should complete the clauses and the general conditions in these types of contracts. 

If all this in order, happiness, it can already sign the contract!, and once carried out the signature, you should acquire the property and don't forget to carry out their inscription in the Registration of the property.

He should keep in mind the quality of the property

Surface 

The price of the housing is proportional to the surface of this, keeping in mind that different surface types exist, as being:  

1. Useful surface is the sum of the surfaces of all the spaces of the housing without including the width of the walls. Usually, the interior surface of the house, the balconies, roofs, terraces and patios are indicated for separate although it also fits the possibility that all are included in a global number.   

2. Built surface is the sum of the useful surface more the width of the walls and sometimes the patios and ventilation conduits. 

3. Computable surface Includes the built surface of the housing and the proportional part of the spaces common of the building: goal, terraces, stairways, roofs, patios or community gardens; that they correspond him according to the joint ownership quota.

Location 

The neighborhood or residence area has great influence in the price of the property. Of this other factors that influence in the housing like being arise: It distances from the house to the work, to the schools, or to the places that it habitually visits. They also influence the frequency of public trasporte, parkings or available parkings, as well as trade, markets, schools, sanitary services, parishes, cinemas, restaurants, etc. In the big cities one has very in bill the existence of green spaces, as likewise future construction projects that can end up affecting the area. In many places the government authorities can offer him that information, but in many other country won't count on her. 

Orientation   

1. The housings guided to the apple interior enjoy more silence than those guided toward the public road. 

2. They should keep in mind the natural illumination, 

3. He numbers of rooms, 

4. The landscape from the windows,  

5. The intimacy from the windows, 

6. It verifies to that hour the sun enters inside the house, (remembers that if the sun gives in the afternoon, will have a hotter atmosphere).  

7. Should also keep in mind if the housing can be modified without affecting to the neighboring constructions.

Dimensions and distribution  

1. It verifies the square meters of the rooms, 

2. The distribution of the atmospheres,  

3. It verifies if they are very separate the areas by day and at night 

4. Keeps in mind the possible improvements that can be carried out to the housing, verify if they will be able to be carried out, and keep in mind the realization cost. 

Quality in the construction 

Should carry out a detailed study of the conditions edilicias of the housing. This can carry out it observing defects in the structures, as being, cracks in walls and roofs, possible stains of humidity. If the housing is new he/she won't be able to him to observe since they appear with running of the time. 

The facilities 

1. Thermal isolation is very important in those areas of extreme temperatures. He/she should be proven the isolation of the housing concerning the external temperature. This will allow bigger energy saving. 

2. The water to Check the flow of the open faucets at the same time.  

3. The gas Verifies if the housing has natural gas, gas city or butane, and if the installation is adjusted to the normative one official. 

4. The electricity Observes if the electric outlets for the appliances, heating apparatuses or of air conditioning they have taking in earth. 

5. The heating If they have her, discover that type is (electric, radiators of gas, hot air...) and if it was central or singular. 

Finishes 

1. Important factors in the first place observe the finishes if they are as you he/she wants and otherwise, verify if they can be modified without a lot of investment, and without it affects too much to the structures. 

2. Openings toward the exterior The doors and the windows should provide light, ventilation, views and step, a good isolation so much thermal as acoustic, as well as to avoid that among water for some place. 

3. Humidities The appearance of humidities owes herself mainly to defects of protection of humidity, flights in the facilities, deficiencies of the thermal isolation, a wrong adjustment of openings toward the exterior and existence of cracks. 

methods to keep in mind when to buy a house

Some of the most important steps that we give in our lives are the purchase of our house. It is usually the investment but important that we carry out, and has an impact non single personnel but also in our family, and in our daily tasks. 

For this reason we want to offer him our advice so that it can clarify all their doubts regarding the administration that should carry out for the purchase of a property. In this guide for the buyer of real estate, he/she will find what wants to know to buy and to finance their new residence.  

As knowing if I am clever to buy a housing? 

Should keep in mind some points, as being: is my entrance source stable?, My credit record this in order?, hey contracted other debts?, do I have money to carry out the delivery?, do I have money for the administrative expenses?, and also, do I have an extra money to confront any emergency situation?, if I want to carry out modifications in the housing, story with the money to carry out it?, am I willing to modify my lifestyle if it was necessary?

Better to buy that to produce 

It is always better to invest in an own housing that to carry out rent expenses. The purchase of a housing is TOTALLY An INVESTMENT, long term, but "ALREADY" it is constituted like part of its patrimony. Many people spend decades spending money in rents that will never return to their pocket. If you think to future, it will look for the way to be able to carry out some adjustments in their life, to be able to consent to an own housing, and this way to be avoided the constant rent increases and will also be able to toast to their family bigger stability. 

The financing 

Once made the decision of the purchase of a housing, should go to be informed of the hypothecary credits, to check as much as it will be the I mount the one that can consent, and to corroborate which is the mortgage type that it is adjusted but to their economic situation, keeping in mind all the expenses pre and post sale.  

The documentation that should take for the analysis of hypothecary credit is: liberate debt, salary receipts, it counts bank and state of bill more recent, current mortgage if had it, and I title of property that can serve as guarantee to increase the I mount of the loan. 

Factors to keep in mind for the purchase 

Many factors that influence in the price of a property exist. Among them we find the dimensions, the height concerning the street and the orientation. The elements of the structure, the finishes, the isolation and the facilities. What influences even more it is the number of rooms, completed bathrooms, the kitchen furniture and the facilities that can have the housing (of heating).

As buying a house or apartment

Compare properties 

To have the certainty that we are buying to the real price, it is necessary that you can consult different comparable properties, with the purpose of being able to carry out an analysis of the recent prices of sold properties. Here it should not only trust the information toasted by the real estate agent, but rather yourself will have to carry out a parallel search of prices, to obtain basic information of the market. 

The purchase should be an investment 

All property can be sold again, and keeping in mind this, and more even if the purchase carries out it with vision of having earnings in a future, the selection will no longer be for own pleasure, but rather it will fulfill general approaches as being location, design, finishes, facilities, land size for future amplifications, etc. This provides a bigger rate to the property. 

Protect their investment 

If this inside their possibilities doesn't forget that it is very favorable to be able to buy a wide land to protect it of future construction projects. 

In the case of buying a property in construction, the promoter should facilitate a policy of insurance to protect his payments in the case of not being concluded the works. They also have the obligation of contributing a memory of qualities, detailed planes, you copy of the titles of property and also the license of works. Whenever has doubts it appeals a lawyer. 

Buys - Sale 

When we are before a purchase situation and sale, it is probable that the price of the property that we want to sell doesn't complete our expectations to be able to buy another property, before this situation doesn't doubt to request a consultation with the real estate agents, since they are more qualified to carry out this type of negotiations. All the legal matter should be corroborated by a lawyer.

It offers  

When we make an offer for the purchase of a property we should not offer a very low price, since this won't interest the salesperson and it can take to that doesn't consider it as good buyer, prioritizing others in the list. Be coherent in the offer, and it foresaw this, carry out a poll of the prices that are managed in the market. Also discover if the proprietor has rejected some offer, and the one mounts. Analyze which will always be the price that captured the salesperson's attention, keeping in mind what you can end up offering. 

It is very seen that the offer can be carried out in written form, offering information of how would be carried out the transaction. For example include deposit date (reserves), it dates of when would carry out the cancellation of the payment, the inventory of the furniture and fixed tackle, state of the facilities, etc. This offers him bigger seriousness and commitment, what will be kept in mind by the salesperson, being able to have a positive effect toward you, and this way to be able to even get a better sale price. 

Don't forget that to offer he/she should leave a margin for a later negotiation, but it should warn to the salesperson that if their proposal is not accepted, he/she will carry out a new offer. 

In case you consider that their offer is the one guessed right and he/she won't make new offers, serious strategic to warn to the salesperson that has a second property in view to which will carry out its offer, this way the salesperson he/she will be able to study the situation again and it is probable that it accepts its offer.

The solvency an indispensable factor 

The solvency of a buyer is indispensable for the salesperson. If you this willing one to pay a considerable deposit in immediate form, will offer bigger dependability to the salesperson. The deposit is usually 10% of the total of the property. In many countries they usually carry out the payments with cards of credits. This deposit is approximately in the real estate agent's bill 10 days, time that they need to be able to carry out the contract, and it is the time that delays the bank transfer of 10%.  

The appreciation is a local will calculated on the increment of the cadastral heat of the land on which the building is located, between the date of the last purchase and this sale. For their nature, this will corresponds the salesperson that will be the responsible one of paying it, unless the opposite has been negotiated. If it is you negotiating the purchase of a parcel of terrestrial and any topographical plane doesn't exist, it can be advisable to negotiate a price for square meter in dollars subject to a topographical study, with the purpose of avoiding unpleasant surprises. 

Once accepted the offer, a lawyer should hire so that it verifies the state of the property. It will also elaborate the contract that forced to both parts of the purchase-sale, will prepare the public writing for the notary's signature and he/she will take charge of the ownership transfer. And this way you will make sure that all the papers are in order, without smashing law.