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Portugal,Algarve,Marmelete,Large Village House

House for sale in
Portugal - Faro

€ 225,000

Portugal,Algarve,Marmelete,Large Village House

Large village house,
10 rooms, extension with kitchen, bathroom with tub, storage,
Cellar vault, several old outbuildings, terraces,
Garden, great view of the woods and the village.
Year of manufacture 1914
Lot 425 m2
House 163 m2
City water from the headwaters of the Serra de Monchique.
Duct connection.
Electricity, telephone, WiFi.
Marmelete, a beautiful village in the Serra de Monchique.
There is always fresh air and potatoes, vegetables and eggs from the neighborhood.
The hiking trail "Via algarviana" from Spain to Sagres leads past the door. The house is ideal for "Bed & Breakfast" or longer stays for tourists. One of the many beaches on the west or south coast can be reached by car in 20 minutes .
Look more fotos here:www.marmelete.jimdo.com

4300 acres. Private Game Reserve.

Farm for sale in
South Africa - Western Cape

€ 3,200,000

4300 acres. Private Game Reserve.

For many of us, the year of COVID has bought a new aprecaution of life's simple pleasures- and here is a place where that is what's on offer. Days that start with coffee brewed on the stove, then a meander to the beach for a morning spent frolicking in the lagoons warm waters. Return, sandy-footed, to the cottage for a wholesome lunch, then take a walk or a drive into a 4300 acres private game reserve and check out the incredible biodiversity of the West Coast. Or take a siesta...days move at a pace we all long to embrace yet so rarely get the chance. The startling turquoise lagoon with it's flocks of pink flamingos make it hard to feel anything but a deep appreciation of Mother Nature's bounty in this spot...the natural beauty that surrounds you is constantly uplifting. There are only 49 shareholders to this private reserve of which are all taken. This is a once in a lifetime when one comes for sale. This property is over 50 years in our family. Property tax a year is 765 euro and it is fully solar power opperated.

House, garage shed and garden Storsund in Norrbotten,

House for sale in
Sweden - Norrbottens Lan

€ 35,000

House, garage shed and garden Storsund in Norrbotten,

Selling house and land in Sweden in Storsund, small village in the county of Norrbotten, 35km from Alvsbyn and 70km from Pitea. 200 sqm on two levels and a basement. two bedrooms, two kitchens, a huge living room, a bathroom, and 4 loft spaces with possibility of loft conversion for closets and baby rooms, basement with two boilers, one for the house heating and one for water heating. Everything is electrical, no gas appliances. Windows are three panes of glass for optimal insulation.

Huge 5100 sqm garden with one garage, one shed and a dog house. Lots of trees in the property and delineating the perimeter of the property. Two lakes one in front and one in the back of the house, with free wood sauna all year round at the edge of the lake. Village surrounded by birch and fir forests. Skying place on Alvsbyn. In the summer the temperatures are between 15 and 25 Celsius and the sun is out 24 hours a day, in the winter the northern lights can be easily seen.
Cleaning and minor repairs needed the house has been empty for a few years
Please contact me on Skype at anto75uk thank you

0.45 Acre Lot Just Outside NoVA, close to Hiking & Hunting

Site for sale in
USA - Virginia

€ 6,064

0.45 Acre Lot Just Outside NoVA, close to Hiking & Hunting

***FOR SALE***0.45 Acre Lot Just Outside DC Metro Area, Minutes from Fishing, Hunting, Hiking, Scenic Views, and Vineyards
Valued at over $10,000, buy now for only $7322 (€6064)

Located in the beautiful county of Warren, Virginia this is the perfect place to reconnect with nature. Build your dream home just minutes from hunting, fishing, boating, and hiking opportunities. This lot comes with exclusive access to multiple Shenandoah River boat landings and access points, community lakes, parks, and bike trails. Enjoy restaurants and shopping just 15 miles away in the heart of Front Royal. This lot is located 1.5 hours from the Nation’s Capital and just outside of the fast growing area of Northern Virginia, perfect for a fun weekend trip!

Please contact 571-305-5483 if interested or keep reading for more details

***Local Hot Spots***
The Property Owner’s Association provides exclusive access to:
--Access Points to the Shenandoah River (Farms Riverview Boat Landing, Farms River Road Rec Lot, Shenandoah River Lane Rec Lot)
--Community Lakes (Lake of the Clouds, Spring Lake)
--Trails and parks (Treasure Island, Shipe Park)

The G. Richard Thompson Wildlife Management Area is only 10 miles away and permits:
--Hunting (Deer, Turkey, Woodcock, Grouse)
--Trout Fishing
--Camping

In addition, the park is also great for hiking, horseback riding, and birding. Sky Meadows State Park is another nearby attraction, great for hiking, and scenic views. This lot is 11 miles to the Shenandoah Valley Golf Club, 15 miles to the heart of Front Royal which offers restaurants, shopping, and community events, 15 miles to the Shenandoah National Park Front Royal Entrance Station and the Skyline Caverns, 10-15 miles from multiple wineries, and 1.5 hours to Washington D.C.

***Amenities***
The lot is barely 20 minutes from I-66 and grocery stores, gas stations, fire stations, and hospitals are all only 15-30 minutes away.

***Lot Details***
Size 0.45 acres
State Virginia
County Warren
Electricity Not connected but available nearby
Improvements None
Road Access Yes, unpaved
Water Not connected but available; local source is well
Sewage Septic needed
Zoning Residential One
POA Fees Shenandoah Farms Sanitary District Fee: $350
NE Corner 38.978237, -78.025413
SE Corner 38.977862, -78.025365
SW Corner 38.977839, -78.025839
NW Corner 38.978199, -78.025888

Please contact 571-305-5483 if interested or visit our website, emeraldlots.com

What's new?

If you're looking to buy properties abroad you came to the right place. Here is the latest real estate that is listed abroad. Set a search alert and never miss out on the best deals ever again. You will be notified as soon as the next property that matches your search criteria is added. See the complete list of properties for sale or see the latest property ads below.

Apartment  Portugal
Portugal
Lisboa
€ 110,000
Beautiful Lake Granbury location,  0.23 acre minimum lot
USA
Texas
€ 16,043
Peaceful Country Getaway in The Retreat - Cleburne TX 76033
USA
Texas
€ 15,632
Country Living with City Advantages – Montgomery TX 77316
USA
Texas
€ 48,542
Great investment for the future - 15045 Golf Dr Whitney TX
USA
Texas
€ 32,087
Gorgeous property near San Bernard River - Brazoria TX 77422
USA
Texas
€ 14,398
Great location, Great investment with a gold course view
USA
Texas
€ 14,809
The Perfect Place to Call Home in Whitney
USA
Texas
€ 15,221
Stunning Property in Lago Vista - Leander TX 78645
USA
Texas
€ 34,555
Great Investment for Vacant Land on Lake Whitney, TX
USA
Texas
€ 10,284
Leave the city and Settle in the County - Bandera TX 78003
USA
Texas
€ 11,930
Serene Wooded Property outside of Bastrop
USA
Texas
€ 56,769
Great Home Site, on a quiet street in the heart of Granbury
USA
Texas
€ 15,632
Lakeside property, with a great view and easy access
USA
Texas
€ 12,259
Lake Living for a Great Price [Financing Available]
USA
Texas
€ 14,398
Private, peaceful & relaxing Property in Cleburne
USA
Texas
€ 20,569

Our property blog

The latest articles covering various topics about buying and selling your property.

adobe construction

Adobe Construction – cheap and naturally energy efficient

Adobe – or earth construction as some may call it – is one of the oldest building methods in the world. Since ever, humankind has used earth in various forms to build their homes. It has a huge number of benefits most of us modern people forgot about.

I only came to love this type of construction when working on a renovation project of an old town house in Portugal. Until then, when thinking of an earth house I had a very different picture in mind. It was something like a simple hut in an African village.

Adobe walls are naturally energy efficient and can be load bearing. Often, they are very thick, forming a natural insulation from the environmental heat or cold. Earth-based products are naturally sustainable because you are building with the materials that surround you.

Interestingly, approximately 30% of the world population lives in homes made of earth materials. That’s no wonder if you think of the many financial and environmental benefits. That’s why people like me, once we know about it, just love it. It is not only a far cheaper construction method but also has many other advantages compared with modern materials.

The composition of the adobe—or some may call it the recipe—vary according to country and local customs. Usually most of it is made of earth and or clay. Besides that, it can contain other materials like straw, maybe even small amounts of lime. Once I even read about that it can include horse hair. Not sure if this is true though.

There is even a thing they call Superadobe. It is also made from earth and organic materials heartened with lime, compressed into bags which are stacked on top of each other, each layer of bags separated by barbed wire. This method is perfect for seismically active areas.

What is adobe construction

Buildings made of Adobe are very similar to a rammed earth house. The only difference is that the earth was rammed into some sort of brick shape before it was used for the construction. Like this it is very easy to build walls with earth.

Special treatment for adobe construction

Please note that the right plaster is essential to be completely waterproof. You don’t want your wall to crumble apart after a few years. They are several products on the market that are perfect for adobe construction. We can use it for the first plaster on a new wall as well as fixing cracks in an old one. It is very important that the plaster lets the wall still breath.

Also, there can be a problem with raising damp in those buildings if they have no horizontal barrier to stop it. I saw a layer of bitumen sheet or a special plastic be put before the first layer of adobe bricks. Therefore, it is good to keep that in mind before you start building your house.

One historic local custom in my area was that the builders would leave an air gap under the house to avoid any raising damp. With some houses being well beyond 100 years now and showing no sign of any raising damp we can say that it is a truly successful method.

If you live in an earthquake zone it is also advisable to apply a net within the construction to give it better structural properties.

Adobe construction surprises

Probably the biggest surprise was when I found out that adobe was even used for the first modern architecture in Portugal. This is something I would always associate with concrete and steel.

It seems there is no limit to what you can build with it starting with simple garden walls, garages, sheds, houses and even apartment blocks.

Conclusion

Adobe Construction is naturally energy efficient and sustainable because you are building with the materials that surround you. With the right know-how it can give the same or even better comfort than a modern building method.

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

Image by Michelle Raponi from Pixabay

apartment blocks for sale

Finding apartment blocks for sale

So, you’re in the market for a whole apartment block? That’s exciting news. Finding apartment blocks for sale is just one click away. If you’re serious about buying some apartment units here is a good place to start to get a first idea of what your money can buy.

Later it might be a good idea to get a qualified real estate agent who knows the local real estate market and can guide you through the buying process.

They can advise you on the real estate market in your area and financing if needed. That can help you immensely to make your dream of becoming a landlord a reality. With a real professional by your side finding a suitable building will be piece of cake.
Did you know that a typical real estate sale involves more than 20 steps after the initial contract is accepted? Real estate agents walk you through each step to move toward a quick-and-easy close. Together, you’ll create a marketing plan, set the right price and get your new real estate business in no time.

Make your homework

Of course, it is always good to do some research yourself. For example, it can be interesting to look at some property records before buying as well as rental prices. Like that it will be easy for you to find out what yield you can expect from your investment.

If you want to have the least work possible with your asset it would be wise to consider hiring a management company who will deal with the tenants on your behalf.

Newly built apartment blocks for a secure future

Nobody can resist the charm of a new build home.

The plaster does not crumble from the walls, power lines and pipes do not need renovation and the architectural style usually has a trendy and modern design. State-of-the-art materials and the latest standard characterize such a new building.

Yes, buying a brand-new home can be very appealing especially if you are planning to rent it out. You will easily find tenants and beside the usual maintenance jobs there will not be much repairs to do.

A new home has advantages in many ways

A new phase of life begins with a new house and many people fulfil a lifelong dream. The likelihood of taking a risk with such a newly built house is almost zero. Freshly build houses have the great advantages:

  • New buildings often consist of high-quality materials.
  • New build houses mostly have the latest house technology integrated.
  • They are characterized by a low energy requirement.
  • A modern architectural style is characteristic of newly built houses.

The construction quality has improved immensely in recent years, so that today there are hardly any nasty surprises waiting for the owner after years of occupancy. Therefore, after buying new apartment blocks, you can sit back and relax.

The old charm apartment block

If you lost your heart to one of those old charm apartment blocks you are not alone. Although due to age and new energy efficiency laws they usually need some works before they can be properly rented but it is totally worth it. In the end you will have something truly special and unique.

Apartment blocks for sale

You are looking for apartment blocks for sale? Have a look at

Blocks of Apartments for Sale & Rent in Africa

Blocks of Apartments for Sale & Rent in Asia

Blocks of Apartments for Sale & Rent in Europe

Blocks of Apartments for Sale & Rent in North America

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

Image: Image by PublicDomainPictures from Pixabay

commercial real estate

How to sell commercial real estate

Whether you are a broker or a property owner, to sell commercial real estate is not what it used to be as there can be many surprises. Investors view the commercial property as an investment machine aimed to generate income. If the numbers add up, there is a possibility for a bidding war. And if not, the sale may not be that easy.

Getting yourself prepared can make a great difference between being stuck or creating a favourable property sale.  However, the best way to get started is to make the property as pleasantly engaging as possible to give prospects a great first impression. An abandoned commercial property for sale can discourage buyers, thereby affecting the sale price.

How do you want to sell commercial property?

Sell commercial real estate without a broker

While it is unusual for owners to sell commercial real estate by themselves, we cannot rule out the fact that it is possible. Some may have rich experience in commercial properties and are sure to complete the deal without an agent. Others may simply want to maximize their proceeds by circumventing the broker commission.

Whichever way, note that a lot is at stake with commercial real estate sales. Also, the process is complex to finalize. If you have decided to sell by yourself, you will be the one in charge of the entire transaction process, from listing your property to finding potential buyers, communicating with them, finalizing the paper works, inspection, hiring a lawyer etc.

Commercial property for sale using a broker

The activities involved in selling your commercial property by yourself can be hectic and time-consuming. Thus, finding a reliable commercial real estate company who has your best interest at heart can save you a lot of hassle.

They will take over all the processes and help you sell your commercial property quicker. Beyond these, they will help to determine the proper worth of your property for the current market conditions. This is saving you tons of research time.

Rather than relying only on the conventional marketing approaches, professional brokers have an established network of investors and brokers who may be interested in buying your property. They will present your property directly to these prospects, which significantly increase your chances of getting a competent buyer promptly.

You get many benefits when you employ a broker to help with your property sale. But just like with other industry, it is important you do research before deciding on a brokerage agency. Like this you get the best deal for your property.

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

Image by F. Muhammad from Pixabay

Take Better Real Estate Photos

Great Tips to Take Better Real Estate Photos

Real estate online listings are rarely filed without being accompanied by good quality images. This is because images are fundamental for properties to sell. People generally prefer visuals and the images you select to showcase with your listing should give potential buyers an idea of the kind of atmosphere to expect.

A recent survey by the National Association of Realtors revealed that photos were the most top rated features homebuyers looked forward to while searching homes online. Some agents prefer taking their pictures, while some solely depend on professional photographers for the job. Commercial real estate photographs also add authenticity to the listings.

To help you think differently about how you approach taking great photos, here are some tips for real estate photography:

Before You Photograph

  • Arrange a good camera and its equipment: The most important thing to remember is that cell phone cameras don’t qualify if you want top-quality shots. A good DSLR camera that offers multiple settings options and uses a variety of lenses will work well. Along with a good camera, investing in a tripod is also recommended.
  • Prepare each room to be photographed: Before you can start shooting your listing photos, you need to make sure your home is camera-ready. Begin by decluttering and deep cleaning all of your rooms. Every surface must be bare, every shelf neat and organized, so find a place for all of your belongings. This step of the process is vital for not only photographing your home but also showing it. Everyone loves to see balanced photos that look fresh and crisp but lived-in and home-like. 
  • Consider staging your home: Who doesn’t want to show off their home while listing them. Make sure the house is clean, clear of all distracting items, pets, and other things. You may replace these by placing fresh flowers to add brightness and vibrancy to the house. According to the same NAR study, 83% of buyer’s agents believe that home staging has made it easier for their clients to visualize themselves in the homes they’ve toured. If you think the cost is too steep, you should at least consider hiring someone to stage your home virtually. With virtual staging, buyers are at least be able to get a sense of the space through the photos.

 While You Photograph

  • Pay close attention to your lighting: Always keep the curtains open and switch on all the lights to make the room bright and well illuminated. It is not recommended to rely on the camera’s inbuilt flash as it creates shadows and reflects off windows and mirrors. Also, avoid taking pictures when it is not sunny and the weather is gloomy.
  • Angles and compositions are essential: The best way to showcase the room’s features is to shoot from a corner or the doorways. This will capture the room to its maximum space. Additionally, it makes the room look spacious. While photographing exterior features of the home, stand at an angle rather than taking straight photographs.

After You Photograph

  • Edit your photos, but don’t misrepresent the home: Misleading buyers with manipulated images is something every real estate agent must stay away from. For instance, a photo taken with a wide-angle lens can be deceptive and make the room look ambiguously larger. This will disappoint the buyers when they come for open houses to check the property. 

You can take services from a company like for Styldod to perfect your photos. It is affordable, and you’ll be surprised at just how great the before and after shots look. Plus, Styldod is specifically a real estate tool, so they’ll edit the images with a buyer’s eye in mind. You can also submit exterior photos to Styldod and have them change daytime photos to dusk photos. This is amazing since it might be challenging to get that perfect sunset shot yourself. The goal is to use your real estate photos to sell as many properties as possible. 

Author Bio

Rahul Agarwal is the Co-founder & Chief Business Officer at Styldod, where he has taught a computer to do interior design! Styldod provides the most hassle-free & inexpensive virtual staging solutions for real estate agents so they can sell their listings faster, and for higher prices. Rahul was also a co-founder of Mebelkart (which is acquired by Ask Me). He’s your everyday IIT Kanpur nerd who pushes the boundaries with his innovative entrepreneurial stints and is also a sound startup investor & advisor. Rahul attributes his success as a professional to the discipline he has learned from his district hockey days, being a swimmer and a gym enthusiast.

real estate scams - a call about your tax

Real Estate Scams – When you get a call about your Real Estate Tax

You may be shocked at first but of course more than eager to pay your duties. But please don’t! This is one of the newer real estate scams that are starting to circulate.

The call about your real estate tax

This is a nasty trick where someone calls potential victims to tell them of an additional real estate tax or some other kind of fee that they need to pay. This person will tell them to pay in cash to someone who will collect the money at their home.

Please note, the tax office would never work in this way. It will never request money without an official statement, and under no circumstances will they go to a person’s house to collect money.

Residents are advised to be alert because it was reported that some individuals are posing as representatives of the tax office with the intent to scam taxpayers. 

It is sad that even in the middle of a pandemic we have to remain vigilant to don’t fall into the trap of one of the real estate scams. The best defence is awareness. So, it is good that you informed yourself – that’s the first step to don’t be scammed.

Don’t hesitate to report real estate scams

If this has already happened to you or you are suspicious about something similar please call your local police department. Don’t hesitate to do so, as this will help others to be alert as well.

Of course, you can also call your local tax office if you like to confirm your real estate tax. 

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

renting vs buying

Buying vs Renting – should you buy a house?

Buying or to renting a place to call home is one of the questions on many people’s minds at a certain point in life. If you are settled in a place with a good job and can foresee yourself staying there in the nearest future, would it be more advantageous to continue to rent or take out a mortgage?

The answer generally depends on individual’s choice, as you may have different values to the usually home buying route. Of course, there are benefits to renting a house, but the advantages of buying supersede that of renting. It gives you a sense of security and satisfaction in having a place to call your own – permanently. With that said, outlined below are a few key benefits you enjoy when you buy your own home as against renting.

1 – Equity building

One major benefit of buying a home is in building equity. As you make your mortgage payments, the amount of money you owe on a home reduces. And the more your home value increases, the more money you save. You can even consider mortgage as a forced savings plan. When you pay rent, you are technically making someone better off by paying their mortgage and building up their equity. Of course, renting can initially be cheaper than buying a home, but many see it as throwing money down the drain. If I may ask, why do you want to be building savings for someone else when you can contribute towards your own investment?

2 – Modify to taste

It is always fun to create a living style that is all your own. As a homeowner, you can always make changes to your home to suit your taste and preference. You can renovate, customize, and paint the walls any color you wish etc. In fact, there won’t be anyone to tell you what you can and cannot do. But if you rent a house, you are always at the mercy of whatever the homeowner will allow you to do.

3 – Unparalleled stability

The stability you experience when you have your own home is unparalleled. You understand that if you lock in an interest rate your payments remain constant. If you rent, you have no control over the increments in rental payments. The property owner may evict you or even sell the home from under you at will.

Final thought about buying vs renting

Renting a home can be a great place to start. But when you buy your own home you have a sense of permanence, and it also contributes positively to your financial future as you are constantly building equity. Additionally, buying a home provides security for your family knowing that they have a place to call their own.

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

selling overseas real estate

5 tips – selling overseas real estate on an international market

Selling overseas real estate to an international pool of clients is a completely different game all together. You know better than anyone that this means to get your property in front of your ideal client in their home country.

Selling overseas real estate – How can you possibly do that?

It can be a mine-field when trying to create an effective strategy when you are marketing your property online. What website will the possible buyer look at? Is there a website where you can offer your real estate to the whole world? Of course, almost every website can be visited from all over the world but would it be popular enough in the country of your ideal client?

1 Get the right real estate portal that is specialized to promote to international clients

In fact, the services of many huge website portals only available to the country they are located in. Realtors with international listings usually are not allowed to list them. Even if one allows it, their focus is not on helping real estate agents to promote to an international audience.

Check out one of our property portals that not only performs extremely well but also will put your ad on a world map, making it easy for international buyers to find it.

Register with them and benefit from a range of services that will help you buy, find, sell or rent international real estate.

If you are looking for overseas property yourself but you are on a limited budget, check out this website https://www.propertyunder100k.com/ and find lots of bargains below 100k.

2 Use a sales platform that is internationally known

There exist platforms that facilitates the sale of real estate between third-party buyers and sellers. This is a very good way to get good leads. One example would be eBay. Maybe it is not available in your country or the real estate section is restricted but once you have an account in eBay you easily can use it on eBay sites of other countries.

Another good website were you can list your property is https://www.listproperty4free.com/

3 Use Social Media to promote your overseas real estate

Probably you heard this many times – no matter what you want to promote – use social media. Used in the right way you are no beating in the air but actually getting some real results. Actually, it might be even easier to find the right audience for your property. In Facebook for example, you can enter your real estate in the market place and promote it in related groups. And the best of all, it’s all free. Just takes a bit of your time.

4 Make the best impression

I can’t stress this enough. When selling overseas real estate, the first impression – which will probably be when someone looks at your ad – is the most important. By this someone might decide to make contact and come for a viewing. How can you do this?

Present your property in the best light, tidy up, declutter do what it takes to give a great feel to the place and very important – do professional photos.

That’s making a good impression from a visual point of view.  Also, put some work in an appealing text to describe your real estate. Mention the best features of it and it’s potential. Especially in an overseas real estate it makes sense to tell a bit about the lifestyle too.

5 Be flexible with payments if you can

Sometimes it is already hard enough to get a mortgage for a first home. If you like to get something abroad it gets even more difficult. Therefore, you will have more possible buyers if you can be flexible with your terms of payment.

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

Image: Image by Gerd Altmann from Pixabay

home improvements

Home Improvements You’ll Never Regret

When it comes to home improvements, there are some that surely will last a lifetime.

Home Improvements

Sitting in an apartment that was built when I was born, I wish the builders already had thought about some extras instead of going for the minimum standard.  But on the other hand, I probably would not appreciate some changes as much. Although it’s impossible to predict the future there are a few enhancements that surely will give more comfort, sustainability and even increase the value of your home. So, no matter if you’re ‘dwelling or selling’, here are some areas that are a safe bet.

Windows

By replacing old windows with high-quality double-glazing windows, you are adding energy efficiency along with security to your home. Needless to say, it makes your house so much more comfortable, they look good and sometimes they are also easier to clean – depending on how your old windows looked like. This is definitely something you will love.

Heating

Did you know that upgrading a home’s boiler and heating system has the highest return of investment when it comes to increasing a property’s value? At the same time, it is even more cost-effective than other renovations and refurbishments.

Best is to combine the fitting of new heating equipment with other improvements, such as replacing old windows, sealing the entrance door and insulating the roof. In doing this, you can see your energy savings begin to show.

Electrical

Extreme temperatures can put an extra burden on your home’s electrical system. If yours is already older it would probably be a good idea to have it inspected and at the same time the electrician can advise you on electrical improvements you can do.

Getting the right lighting in your real estate is not only saving electricity but it also puts your home in the right light. With the right light fixtures you can cater for the right mood and set an ambience everybody loves.

No-Cost Home Energy Upgrades

Some countries help homeowners to make energy saving upgrades. Whether you rent or own, you could be eligible to receive free energy-efficient home improvements or get some financial help. It surely is worth to look this up in your country before you start your home improvements as this can really make a big difference in your budget.

Are you still looking for your own DIY project? Have a look at homes for sale that need renovations on https://www.all-real-estate.com/derelict-properties-for-sale

Or you just finished your hoome improvemets? Let us know how did it go in the coment below. If you are thinking to sell it, you can list it with us for free.

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

Image: Image by Pexels from Pixabay

lenders use gross income

Why most Lenders Use Gross Income instead of Net Income

It might not seem logical that most lenders use your gross monthly income when deciding affordability instead of your net income, the money you actually take home. In the end, it’s the take-home pay you will use for your monthly expenses – this will include your mortgage.

Some Reasons why Lenders use the Gross Income

Foremost, it’s widespread. Most mortgage companies use the gross monthly income to analyse the debt-to-income ratio – and consequently affordability. Like this, everyone is using the same procedure and it is much easier to compare the loan that was offered. Of course, there are exceptions, a few loans do take monthly expenses into consideration.

Another reason is this, it’s a number that most clients know. Calculating the net income with taxes and other deductions is complex and can vary every month. Gross income is steady and easier to calculate monthly. It would be too work intensive for mortgage companies to adjust their loan programs for each person’s exact overheads.

Also, another factor that has to be considered is that when clients are asked to proof their income for their loan application, the last two years of your tax declaration is needed along with recent income statements. The gross amounts on those should align with the documents from your revenue office. As those documents will also show the gross income it is just a lot easier to use those numbers.

Thinking to buy real estate?


If you’re thinking about buying some real estate and want to know what you might qualify for, there are many websites out there where you can get a first idea. Just keep in mind to enter your gross monthly income. By visiting a few you will be able to find out what will be a good option for you.

If you are looking for a real estate bargain, check out our property listings at https://www.all-real-estate.com/property-list/for-sale

You may even be able to find a home that is so cheap that you not even need a mortgage. Does this sound intresting? Then visit our partner site https://www.propertyunder20k.com/ where you can find real estate for sale for less than 20,000 EUR.

Bio

Our Property under 20k team are the founders of www.propertyunder20k.com and www.listproperty4free.com with the goal to search the cheapest real estate in the world and make it easy for others to find. The team is made up of landlords, real estate investors, architects and builders from several different countries.  We just love to have a good strong cup of coffee while we write our experiences in this blog.

Image: Image by Gundula Vogel from Pixabay