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Plot of land for construction

Site for sale in
Portugal - Aveiro

€ 15,000

Plot of land for construction

Build your dream home abroad, in sunny Portugal.

This land is situated in Costa de Prata (Silver Coast), halfway between the beautiful beach of Costa Nova and the breath-taking mountains of Caramulo in a quiet country side location close to all amenities.
The land has 380 m² and it has outline planning permission to build a two-storey semi-detached house with up to 270 m² (2,900 sq ft).
It is a corner site, 14 metres wide by 27.2 metres long. The new house can be up to 9 metres wide by 15 metres long. The 3D images you can see in this ad are only a sample of what could be built on this site.
The plot is fully serviced; water, electricity, telephone and waste, are all available on site.
The plot is part of an estate recently developed with newly paved streets, footpaths, street lights, car park, rubbish collection points, and a park.
The plot is located at the corner between the boulevard and the park. The new house will have unobstructed view to the park, mostly facing South.
The land is for sale for 15,000 Euro. We also have a site just beside this one for sale for the same price.
The buyer will also be responsible for the purchase related costs which are:
Real estate transfer tax (IMT) €1266
Stamp Duty (IS) €155
Notary fees (Escritura) about €275
Land registration fees (Registo) about €270
We have a lot of experience with planning and building, so we would be glad to help you get full planning permission for the house of your dreams as well as getting it built.
This is a great opportunity to invest in the healthy and growing housing market of sunny Portugal.
If you have any questions, or wish to view this property, please don´t hesitate to contact me on +351 928 034 577 or fill the form below.

Here is a short video about the region:


Pay Monthly - Freehold home & Land 15 min Veliko Tarnovo

House for sale in
Bulgaria - Veliko Turnovo

€ 2,500

Pay Monthly - Freehold home & Land 15 min Veliko Tarnovo

£2,500 @ 200 per month - nr VT & Gorna * Bitcoin accepted *

£2,500 @ £200 per month - Freehold home and land

Buy-It-Now = 10% discount

Immediate transfer of rights and possession. No interest, clear the balance at any time without penalty.

Payment terms are flexible and tailored specifically for your personal budget (min. £200 p.m)

All Bulgariadirect properties are owned by Bulgariadirect - as the name suggests the sale is always direct. What you see is what you get.

Located in Pisarevo, Veliko Tarnovo region

1,220sqm REGULATED (Buildeable) LAND
Property Remains
STONE BASE - rebuild or reuse on another project pin the region?
Corner Plot - access from two streets

ONLY 19km from Bulgaria’s ancient Capital – VELIKO TURNOVO

ONLY 10km from Bulgaria’s main transport hub – GORNA ORYAHOVITSA

ONLY 6km from Gorna Airport

ONLY 14km from ARBANASSI

What you see is what you get - available today on Pay Monthly!

A viable, realistic sitting investment close to Gorna Airport and Veliko Tarnovo. Or, a ready source of stone from the base which could be re-built upon or removed to any other ongoing project you may have in the region - ie foundations or an amazing perimiter wall elsewhere. All at the same time leaving you with a good flat 1,220 sqm building plot in your ownership.

Please check all other adverts for properties this close to VT & Gorna and compare prices. Do not compare with the
100s of adverts showing sold properties which continually flood this site, only compare to real actual sale ads which are available now - in this very region.

Bulgariadirect, est. 2003, are pleased to offer an innovative and affordable new route to home ownership, without the stress and worry of conventional mortgages. A simple, secure and transparent solution offering freehold ownership, without tying up all your capital at once.

Where better to get away from it all? Bulgaria shelters you from rising inflation and offers you a superb climate and living costs averaging under 1/3 of the UK's.

Escape the hassle and stress of every day UK life, the ongoing uncertainty of Brexit and move to the world's best value, lowest living costs country. Owning property in Bulgaria is also a good first step towards re-claiming (EU) citizenship for UK nationals.

Did you know? Your annual council tax on this place comes to a whopping £18 per year, yes eighteen pounds! Can you afford that?

Where else but Bulgaria do you get so much property to the £? Getting in on the action has never been easier, this entire property is available today on affordable monthly installments.

Keys are ready, awaiting the new owner - rights and possession are transferred immediately upon paying the small deposit! Owning a home in the sun has never been easier.

More Bulgariadirect Pay Monthly Properties here: https://bit.ly/3lse850

Old property with big potential 100 km from Sofia, Bulgaria

House for sale in
Bulgaria - Vratsa

€ 7,000

Old property with big potential 100 km from Sofia, Bulgaria

Old country house with plot of land and quiet location situated in a rural area 25 km away from Vratsa, Bulgaria. The property had been empty for many years now and requires renovations and good cleanup. It is located on a quiet side street within the limits of the village. The property consists of house with two floors, big barn made of stone and timber and plot of land with area of 1120 square meters, most of which is surrounded by solid stone fence. The main building has two floors and attic space. All house levels are connected via solid internal staircase made of stone. The ground floor has three rooms and corridor connecting them. In the past they served as storage, living room and kitchen. Over the internal stairs you can go to the upper floor where three other rooms and a terrace are located. From here you have views towards the front garden, the street, the backyard, the barn, the neighborhood and the village. Unfortunately at the moment the property is overgrown which blocks most of these views. The rooms on the second floor served as bedrooms. These three premises are connected via main corridor leading to the stairs and the terrace. The barn is situated not far away from the house. It represents a big building with solid stone foundations. The whole ground level of the barn is made of stone blocks while the small second floor is made of timber. Just like the house, the barn requires renovation but if restored it can be turned into a great work area or even a guest house. The property is located within the limits of a quiet village about 20-25 km away from the regional center Vratsa and 15 km from the seat of the local council – the town of Mezdra. The area around is agricultural with no factories within miles from here so plenty of clean, fresh air, peace and quiet are guaranteed. Just 6-7 km down the road from the property one can go fishing at one of the biggest rivers in Bulgaria or visit an old monastery with rich historical past dating back to the early centuries. The village has regular bus transport, grocery store, post office, mayor`s office and small café-bar. Mezdra is the nearest town and is situated about 15 minutes away by car from the property. There one can find many shops and stores, hospital, dentist, police station, fire station, material supply stores, furniture store, schools, kindergartens, administrative services, hotel, motel, gas stations, cinema, disco, bars, restaurants, etc. Mezdra also has train station with direct connections to the national capital city Sofia, the regional center Vratsa, the seaside, the area around Veliko Tarnovo and many other parts of Bulgaria. Old property with plenty of potential at a good price.

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.

Panoramic Townhouse in Sicily - Casa Argirò Via Roccaforte
Italy
Sicilia
€ 13,000
SUPER LUX DUPLEX IN ISTANBUL 4 BEDROOMS SUPER PRICE
Turkey
Istanbul
€ 38,900
SUPER LUX FLAT IN ISTANBUL 2 BEDROOM
Turkey
Istanbul
€ 23,000
Townhouse in Sicily - Casa Via San Giovanni - Alessandria
Italy
Sicilia
€ 38,500
House and land in Sicily - Casa Rametta
Italy
Sicilia
€ 58,000
Land in Sicily - Land Cilona Cda Savarini
Italy
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€ 7,000
Property in Sicily - Casa Ciraolo Via Palermo
Italy
Sicilia
€ 22,500
New project on the Black Sea coast
Georgia
Ajaria
€ 48,900
LUXURİOUS FLAT IN CENTER OF EUROPEAN ISTANBUL 2 BEDROOMS
Turkey
Istanbul
€ 32,800
2+1 Apartment For Sale In Istanbul
Turkey
Istanbul
€ 32,000
Land Sale: Mobile Home Off-the-Grid Parking Spot
USA
Texas
€ 4,432
A $99 (down) Deal for a Subdivision Lot in Whitney, TX
USA
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€ 13,296
Land for Sale : Our Investor / Developer Special
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An awesome property near Cedar Creek Lake
USA
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1.15 acre Single Family Lot $99 down in Callender Lake Comm.
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€ 7,980
Prime Lots For Sale in a Resort Type Subdivision
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Our property blog

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

Real Estate Investment

How to Start a Real Estate Investment Firm

Real estate investment is a great way to make a passive income with a lot of potential. But what should you do before starting your own business?

There are a few things that you should know before you start your own real estate investment firm. The first thing that you need to know is what kind of business model do you want to use? Do you want to work with investors as an information broker or as an investor yourself? If this is something that appeals to you, then it is important for you to understand the risks associated with both options.

The Current State of the Real Estate Industry

The real estate industry has been a longstanding and profitable industry that has been around for decades. The market has shifted over the years where more and more people are going to real estate investment firms to buy property because of their low capital requirements as well as the profitability of the trade.

Might sound like an oxymoron but a lot of people want to be a “real-estate agent” these days. They want to be an authority on all things real-estate, but what they don’t know is that there are many other ways for them to invest in the field without being an agent.

How does One Determine if they have Enough Funds or Credit Scores to Start an Investment Firm?

A strong investor with a successful track record is not the only requirement to start an investment firm. They also need to have enough funds or credit scores that are relevant for the type of investment they are starting.

There are many factors that one needs to take into account when considering investing in an investment start-up. One of the most important ones is your credit score and your ability to borrow funds for investment start-ups.

Introduction of Potential Investors in Your Real Estate Business Venture

The first step in getting potential investors is to have a plan. You need to write down all the risks, the benefits, what will the company look like after it’s been funded – basically everything that can go wrong and what could go right.

The next step is to find people who are interested in your project. This typically involves networking or reaching out on social media.

The third step is to create a pitch deck for potential investors who are thoroughly interested. A pitch deck typically includes financial information about your business, information about the team running it, and other important details about your company’s future goals.

Networking Strategies for Successful Real Estate Investors

Finding a network of people with the same interests and goals is one of the most important steps in becoming a successful real estate investor.

Networking is a broad term that means connecting with others to share knowledge, skills, and expertise. There are many different networking strategies for entrepreneurs who want to make connections with others in their field. In order to create successful connections, you need to be remarkably genuine and offer something of value in your interactions.

In addition, there are many ways for entrepreneurs to get started when it comes to networking. For example, you can go out and attend events that will allow you the opportunity to meet new people and potentially find potential connections in your field. You can also use sites like LinkedIn or Facebook groups for this purpose as well.

What are The Different Types of Property You can Invest In?

Owning property is an exciting prospect, but can also be daunting. There are many different types of property you can invest in, and the price ranges vary widely. To make it easier for you to narrow down your options, here are some of the most common.

There are four main kinds of properties that you can invest in: residential, commercial, industrial and agricultural properties. Residential properties are the most common type of property for people to buy because they require less work than other types when it comes to upkeep and they already come equipped with things like plumbing and electricity for your convenience. You may want to look for apartment blocks for sale.

Financing Your Investment Properties

Investing in property is not always the safest way to make money. However, it does offer a lot of investment opportunities and can be a great way to grow your wealth over time.

One of the most popular ways for investors to finance their properties is by taking out a loan from their bank. This option offers the simplicity of being able to get approved for up to 95% LTV on purchase or refinance transactions. The downside, however, is that you are not only securing your own house but also any other investments you have.

There are also many private lenders who offer financing options for real estate investors who have good credit scores and cash reserves set aside for their own down payment. As with any other investment opportunity, there are risks involved with private lending.

What Helps You Succeed as a Real Estate Investor?

It’s important to know that investing in real estate is not always an easy task. There are many ways to lose money and there are also many ways to make it. If you want to be successful as an investor, then the following tips will help you.

1. Do Your Research

Develop a game plan before you purchase your first property so that you’ll know exactly what you should buy and how much it will cost. You’ll also need to decide if you want the property for rental, flipping or long-term hold so that you can find the right place for your investment strategy.

2. Get Creative with Your Finances

It’s important that real estate investors have enough capital because their money is their most valuable asset in this business – they need enough of it to cover all ongoing expenses.

Do you have your Real Estate Investment for sale? List it with us for free.

Government Land

How to Purchase a Government Land in Auction

Buying land can seem intimidating, but it doesn’t have to be difficult if you know what to expect when you go in. If you are looking to buy a piece of land, the government is one of the best places to start your search. The government offers many different types of land for sale at their auction sites. Some auctions may even be specifically designed for homes or businesses! Follow these steps, and buying a piece of property will be much easier than expected! 

The government has a lot of land ready to be sold, but they lack time and commitment, so they use various auction websites that help the government sell the land as easily as possible. Before you start looking for the perfect land that fits all your needs, you must research for the best website that can help you fulfill all your needs. If you wish to buy government land for sale in US, research is what will take you there!

Timeline

The right type of Auction can make the process easier and more efficient. If you’re looking to buy a large plot or piece of property, an early-date real estate sale may be just what your business needs! You’ll have ample time to conduct research before taking out those bids; knowing when they take place and how long closing will last within such tight timelines means there won’t be any suspense at all about whether this purchase is good for them or not.

Level Playing Field

Auctions are one of the most transparent forms of transactions because they operate with complete, open information. Buyers battle it out in an even field and compete on equal footing despite any influence or reputation that may be involved at either end – this is not always true for other types of sales where one party’s willingness to buy might depend upon who else he knows (or doesn’t).

Negotiations

The hassle of negotiating can drain your time, resources, and sanity. Going to governmental real estate auctions saves you from all that by ensuring the terms are known upfront! With the information provided in detail about every property on offer at an auction with due diligence packets for buyers who come prepared, they’ll avoid any surprises when purchasing land.

Options

The multi-property auctions allow buyers to see several offerings in one place and compare. When you plan on buying land at Auction, observing the bidding on a similar property may give your more insight into what is happening with the value of the home that is of your interest. 

Price

In a friendly, competitive environment with the best real estate professionals in attendance, you will be able to arrive at true market value for your land. Bidding on properties can give buyers an inside view into how much people are willing to pay and when they may want that property – especially if it’s currently distressed or priced below what is considered normal. Thereby giving them more time ahead of the purchase decision and securing discounted prices based on current conditions rather than going through long, drawn-out negotiations and only getting discouraged before completing the deal because the seller didn’t budge one penny from the asking price!

It is important to determine the maximum price you are willing to spend on a property before starting an auction. Too often, people get caught up in competition with other bidders and end up overpaying for their land or home.

A Few Terms that you Should be Aware of

Absolute Auction: An absolute auction is a type of public sale in which the property for sale is offered to the highest bidder, with no minimum bid requirement. This term typically refers to an auction conducted by a third party that purchases and sells items on behalf of others. 

The process begins when you submit your online bid for an item that’s up for grabs, just like any regular e-commerce transaction. However, unlike other bidding services where you can offer a price below what others have offered or withdraw your offer before the end of the auction period, Absolute auctions are not flexible. 

Minimum Bid: To protect themselves from being taken advantage of, many sellers set a minimum bid price that guarantees at least the cost owed or prevents buyers from colluding to purchase properties below market value. Market value will be a matter of perception if the property is unique or otherwise tricky to price. 

Government auctions are a great way to purchase land at affordable prices in many cases. You can find all sorts of properties, including raw land, farms, timberland, and more. If you wish to invest in government land, we hope that this blog was able to give you all the information you were looking for. 

Author: Eernesto T Felder

Irish Housing Estates

What We Can Learn from Irish Housing Estates

Irish housing estates are just lovely. Lots of green, space, cute houses and windy roads where kids are playing. They look like a perfect little village – the best place to raise a family with all modern comfort available. They are remarkable examples in many ways.

Most of these housing estates that fit this description are developed during the Celtic Tiger period. The “Celtic Tiger” is a term for the very successful Irish economy that emerged during the 1990s and reached its peak in 2000. Ireland made a remarkable transformation from a country of poverty to one of prosperity before the world economic crisis.

Remarkable design of Irish Housing Estates

It is outstanding that the Irish housing estates are designed in a way to promote safety, comfort and general wellbeing. This is achieved by introducing lots of curvy roads in the estates and have only one way in and out, avoiding fast traffic or having a lot of cars that would just pass through.

The houses are designed to the general liking – friendly and homy looking rather than modern. There are rules to implement public greens in the estate as well as dedicating a certain percentage of houses to an affordable living program. Like this also less fortunate families are integrated in the neighbourhood. By doing so, they are avoiding the development of poor neighbourhoods somewhere else that would come with a number of social problems attached.

The Celtic Tiger and the Real Estate Bubble

Image by Zotx on Pixabay 

When Ireland’s growth began to slow down in 2007, there were many warnings that it would not be able to avoid the impending global recession.

In 2008, Ireland was hit by a severe financial crisis as its property market collapsed due to over-speculation and over-development. This is leading to a substantial rise in unemployment rates and substantial falls in wages.

Simply explained, the property bubble started due to a real estate shortage. That’s why many property developments were initiated, that lead to shortage of workers. As more workers were needed, many foreigners came to Ireland to work, who also needed housing… Slowly but surely this was blowing up the bubble.

As a result of the 2008 crisis, high unemployment rates lead to people leaving the country or in case of foreign workers, they would return to their home country. Therefore, no more housing was needed and Ireland was left with a situation of over-development.

How the Irish Government dealt with the Property Bubble

Successfully addressing the housing and property market in Ireland has been a major challenge. That’s why NAMA comes to play.

NAMA is the National Asset Management Agency of Ireland. Set up in 2009, they take on some of the burden of loans from Irish banks. They try to address the financial crisis that Ireland experienced in 2008. The main role of NAMA was to take on some of the burden of bad loans from Irish banks. Also, they try to address the financial crisis that Ireland experienced in 2008.

NAMA purchases assets from financial institutions for cash or bonds, aiming to reduce lending risks for banks and other financial institutions.

We Can Learn From The Irish Housing Estates

We can learn a lot of lessons from the Irish abandoned housing estates. It is important to keep in mind that these developments are still wonderful homes where people live. They will do so for decades to come.

What happened to the Irish housing estates is a good example to study further when it comes to urban planning decisions.

Main image by candelabra on Pixabay 

3D-Images

3D Images – How They Can Help Sell Your Home

The Idea Behind Using 3D Images

3D images are used in a variety of industries but they are especially common in the entertainment industry. This is because 3D images add another level of realism to the experience and make the viewer feel like they are present in the scene.

3D images captured in 3D photography are not only conducive to the needs of the client, but also have a greater effect on the prospective buyer.

It can be viewed so that buyers can get a sense of feel at home.

How You Can Make Your Home Look More Appealing to Buyers

The real estate industry has been using 3D rendering to create photorealistic images of homes for a long time now. The sales of virtual staging software and services is on the rise as it saves the seller from costly home makeovers and repairs.

Virtual staging refers to presenting a property virtually, through either a 3D model or photo-realistic renders. It’s an affordable and timely alternative to physically staging your home for sale, which can involve expensive makeover jobs and extensive repairs. It doesn’t matter if you are selling a flat, house or apartment block, a 3D image can perfectly present what it can look like in the future.

Why You Should Consider Investing in Professional 3D Visuals

Professional 3D visuals for your real estate agency can make a world of difference in your online presence. It will make the process of staging and marketing the property much easier, attracting more potential buyers.

3D visuals can help you to showcase a property in a way that 2D photography cannot. They allow viewers to better see the scale and scope of a space, as well as any features that might be difficult to identify from afar. The immersive nature of 3D visualizations makes them perfect for showings and tours, letting viewers explore even the smallest details of a space with ease.

What are the 3 Major Benefits of Using 3D Imaging in Real Estate Marketing?

In this article, we will find out what are the 4 major benefits of using 3D imaging in real estate marketing.

1. It’s a low-cost solution. 3D technology is well established in the industry. It is a well-understood technology which costs less than other technologies.

2. It can offer a window into space. 3D models allow for a more immersive experience with a sense of depth and scale, giving viewers an idea for what to expect before they visit the property in person.

3. It can generate higher engagement rates. By making properties feel more real, 3D images can elicit stronger emotional reactions from viewers. It entice them to take action such as scheduling an appointment or visiting an open house.

Conclusion: how 3d images can help sell your real estate

There are three ways in which 3D images can help sell your house faster.

The first way is that 3D images are much more realistic than the 2D images present in websites. The second way is that they give prospective buyers a better idea of what their house will look like in your neighbourhood. The last way is that it helps prospective buyers to see the different options available, which increases the probability of them making a purchase decision because they can get an idea about what other homes in your area look like.

Image by 3dimages.eu

Downsize Your Home

3 Ways How to Downsize Your Home

Downsizing is a common occurrence in today’s society. We live in a world where we are constantly told that we need more and more things, even though most of us don’t have enough space to store the things we already have. This post will give you 3 tips on how to downsize your home and live a more minimalist lifestyle.

1. Declutter your house and reorganize

Helping with the burden of lessening your stress from a chaotic life, there are many services you can find to help declutter your house. This includes laundry, organizing drawers, moving furniture and even getting rid of things you don’t need.

if you don’t feel up to the challenge yourself but you don’t have the money to use such service you might want to ask a friend or family member.

You might not believe this, but there are people who will give you money for the things you want to get rid of. You can sell anything! There are people who buy old video games, old books, clothing & even car parts. So why not make some extra cash by selling what you don’t need?

2. Organize your home in a more efficient way – where to start?

Where to start with organizing your home? It can be tough enough to find the time to organize the one room you’re working on, let alone an entire house.

A messy room will make you feel anxious and stressed. You can maximize your time and energy by making a list of each room in the house. It’s also important to identify which rooms need the most work because those are the rooms worth tackling first.

Once you decluttered things and are left with the essentials you are able to see what is the best way to organize the space. If you are not sure, don’t be shy to ask the opinion of someone you trust.

3. Less space is needed? Look for a smaller home and save some money

Once you are through with clearing out your house it is time to downsize your home, you may find that it is not necessary to have such a huge house. It’s time for a downsizing. Why not try this? It sounds like a win-win situation. You gain some money in selling your current house and save in monthly expenses in your smaller home. Not to mention it will be quicker, easier and less work to clean a smaller place. Plenty of benefits for this decision.

If that’s the case, we are here to help you, look for a smaller home in our real estate listings or sell your house without any listing fee.

Image by Hans Braxmeier on Pixabay 

Bankruptcy Loan

How to Successfully Apply for a Bankruptcy Loan

If you’ve been declared bankrupt but need to take out a loan, don’t be despondent – bankruptcy loans are a great option if you find the right one to suit your needs.

You can increase your chances of being approved by practising good saving and spending habits during bankruptcy. This can slowly but surely increase your credit score on your record.

We’ll delve into the different types of loans that bankrupt people can apply for, how you can increase your attractiveness to lenders, and your chances of being approved.

What Are the Types of Loans for Bankrupts?

There are various loan types for bankrupt people available. You need to do your research to determine which best suits you and your personal financial circumstances.

Payday Loans

Payday loans are sometimes called small amount loans because they offer just that small amount of money you need to survive until payday.

According to Money Smart, the small amount can go up to a maximum of $2,000. 

In an attempt to get borrowers to pay these loans off quickly, they generally have exceptionally rates and finance charges compared to other types of standard loans. 

The longer you take to pay back the money, the more expensive the charges become. If you do this, don’t be surprised if the charges exceed the total loan amount – even up to 200%!

Personal Overdrafts

A personal overdraft is linked to your transactional account. Once you have depleted the money in your account, you can continue spending, and the money will be deducted from your overdraft facility.

As soon as more money is deposited into your account, it will cover up the overdraft amount first, and the balance will remain in your transactional account. 

Interest is charged on the overdraft funds, too.

If you’ve had a personal overdraft before and honoured it well, your lender is more likely to approve another minor overdraft.

Business Loans

You can apply for a secured business loan if you’re starting a business and have relevant assets to do so.

The assets could be:

  • property;
  • equipment or machinery;
  • tools;
  • cars or trucks.

Your assets will act as security for the loan, so if you are unable to service your loan repayments, the assets will be repossessed and sold as collateral to cover your debt.

While lenders approve secured loans more readily because of the security offered, consider whether you’re prepared to lose the assets you’re offering up if push comes to shove.

Car Loans

Some lenders work specifically with car loans for people with bad credit. These lenders are comfortable taking on the risk because they require the borrower to have a guarantor as security. 

A guarantor agrees to guarantee the borrower’s loan and cover the borrower’s debts to the lender if they become unable to do so. 

In this case, lenders are also likely to approve the loan because they have security – but the tricky part could be finding someone willing to act as a guarantor.

Can Bankrupt People Get a Personal Loan?

Many banks and large financial institutions don’t offer personal loans for bankrupts. So, you can approach private lenders instead. 

There aren’t that many lenders who offer personal loans for bankrupt people, so those who do often charge higher rates and fees.

How Can I Increase My Chances of Being Approved for a Bankruptcy Loan by Lenders?

Instead of giving up, be proactive during your time of bankruptcy. This will prepare you for life as a discharged bankrupt.

Here are some ways to increase your chances of being approved for a bankruptcy loan:

Seek Advice From a Financial Advisor

A financial advisor can critically assess your financial situation and provide guidance, assistance, and actionable steps for the future.

A financial advisor isn’t only for prominent people with large bank accounts. Taking out small loans under the advice of a financial advisor can train you to become financially savvy and one day have complete control of your finances so that they can blossom into larger sums and assets.  

Know Your Bankruptcy Details

Be prepared and ensure all your documents are stored in a safe place; have digital copies on hand as well.

Know and understand your bankruptcy situation, and be able to prove it to lenders. For example, have your retrenchment letters to prove the rapid decrease in your financial situation that resulted in bankruptcy.

Try to Get a Job with a Reliable Income

Show lenders your eligibility for a loan by having a disposable income that you can use to repay that money. Income from Centrelink or your pension only is often seen as insufficient.

Even just a part-time job is an opportunity to receive a salary and practice the act of self-discipline to control your financial situation.

Maintain Good Conduct

If you want to regain a good credit record, you have to prove a good track record following bankruptcy.

You can begin by staying up to date with bills as far as you can. Avoid missing payment because defaults to your credit record will reflect negatively and count against your loan application.

If you can prove to a lender that you have turned over a new leaf and are in control of your money, they have reason to believe you will be able to service your loan. 

Apply for Loans in Person 

A person’s financial history is complex, and reducing it to a piece of paper can be grossly oversimplified.

A bankrupt person can benefit from speaking to a real human being because it initiates a relationship, and they are more likely to develop empathy and compassion.

Can Bankrupt People Get a Home Loan?

Home loans are more likely to be awarded to discharged bankrupts if they have proof of a stable income in the form of:

  • payslips, 
  • tax returns,
  • six months ABN registration, and 
  • six months GST registration.

By this point, you should have established a stable savings plan together with your financial advisor and built up a good history of regular and prompt debt repayments.

Consult With a Mortgage Broker

A mortgage broker can assist you with your home loan application process as a discharged bankrupt. 

Now that you have done everything in your power, your mortgage broker will take over. They compare different home loan options for you and recommend which will suit your circumstances. 

They act as a liaison between the borrower (you) and the lender and will facilitate and help you through the application process. Banks require certain things, and mortgage brokers know how to position your application to make it attractive to them.

Key Takeaways

Regardless of your past, you can still take positive steps to improve your financial future. 

Various bankruptcy loans could be applicable to you, such as:

  • payday loans,
  • personal overdrafts, 
  • business loans, and
  • car loans.

But, you need to try your best to ensure you are an attractive borrower to lenders.

If you set your mind to it and remain disciplined during your bankruptcy by paying off your debt, you could still obtain a personal loan or home loan once you are discharged. 

A financial advisor can be helpful to get you on the right track, and a mortgage broker can assist with your application once you reach that point.

Author: Tony Xia

Tony is the director of The Mortgage Agency based in Sydney. He is specialising in a holistic approach to home loans to help the clients with getting the right outcome based on their specific financial circumstances.

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Apartment Blocks for Sale

Apartment Blocks for Sale – Get the Maximum Profit

You can sell your apartment blocks for maximum profit by following these four steps:

1. Set a price that is competitive in the market

2. Analyze the potential buyers and make sure that your property will be appealing to them

3. Find an agent who will represent you in selling your property or sell it yourself using a free real estate advertising

4. Optimize your marketing efforts to attract potential buyers

What are the Disadvantages of Owning an Unused Apartment Block?

There are a number of disadvantages to owning an abandoned and unused apartment block. For one, you will have to take care of all the maintenance and repairs. If you are not handy with tools, you may need to hire someone else. This expense can add up over time.

Secondly, the property taxes on an unused property will be higher than for a residential or commercial building that is in use and generating revenue.

Thirdly, it’s possible that the city could force you to sell your property if it needs more housing stock for people in your area.

Lastly, some people may not want their home values negatively impacted by having an eyesore next door to them.

How Much Does it Cost to Buy an Apartment Block?

There are many factors that affect the cost of selling an apartment block. They vary depending on the location, size, age and condition of the building as well as how many apartments are available.

The price will depend on the location and size of the building. It might also depend on which country you are in. In a densely populated city like Tokyo, Japan, it is much more expensive to buy or sell properties than it is in a country like India where there is less population density.

Some architects use size to describe buildings by their number of units – so an apartment block with 10 units would be described as a ‘tenement’ building. This is because this type of housing was developed during the 1800s for poor people living in cities who couldn’t afford anything else.

Where can you find apartment blocks for Sale

Apartment buildings are a great way to receive passive income. With the help of a broker, you can find all sorts of apartment blocks for sale in various locations. Please also have a look at our listings:

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

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Building Your Own Home in Portugal

Top 5 Tips for Building Your Own Home in Portugal

When you are planning to build your own home in Portugal, you need to be aware of the documents and procedures that you need to undertake. The following will help you understand what documents you will need for construction permits to build your own home in Portugal.

There may be some cases where an application for construction permits is not required, such as when building with temporary materials or when reconstructing existing buildings.

1. Find the right location

Portugal is a small country and it may be more difficult to find a suitable location than you imagine. if you are thinking to be building your own home in Portugal you may already have a nice region in mind that you like most. But don’t overlook the hidden jems Portugal has to offer.

There are some regions that are more affordable than others, some are actually not far from the beach and mountains.

2. Apply for a planning permission

This is absolutely mandatory and will save you from potential problems later on. But don’t worry there is offices out there who are specialized in helping you in this process, such as an architectural office. Hiring an architect in Portugal is not as expensive as you might think. Depending on the size of your project it can cost you as little as 10 € per square metre.

3. Find and hire an architect

It might seem like an unnecessary expense, but it will make your life much easier in the long run by ensuring that everything gets done correctly, within budget and on time. Also, the architect in Portugal can design your home in a way that will actually save you money, in the end you probably pay the same that you would have without an architect.

4. Consider buying land

If you are only looking to build a home for yourself in Portugal, then make sure you look in the area that is right for you and have everything nearby that you will need. Also, it is important to check if the land is suitable for construction. If you buy a land in Portugal that is located in an estate make sure to check the estate rules – sometimes there are rules regarding colours of the house or windows or the roof needs to have a certain colour and angle… etc.

5. Speak to a solicitor

Better safe than sorry. Getting legal advice will help you to understand the procedure involved and be aware of potential pitfalls.

Conclusion: Building Your Own Home in Portugal

With these few simple steps you can be building your own home in Portugal and invest in the healthy and growing housing market of sunny Portugal.

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cheap houses

Cheap Houses: What You Should Know

Houses are expensive. Especially in densely populated urban areas. But there are some houses on the market that only cost a few thousand dollars.

Where can you find those dirt-cheap houses? One place we found for example is Bulgaria where you can get affordable houses, even some that are close to the beach.

Example: Cheap Houses in Bulgaria

Bulgaria is a country in the Balkans, Eastern Europe. It is bordered by Romania to the north and the Republic of Macedonia to the east. The country has a population of 7,6 million people and is one of the oldest countries in Europe.

Bulgaria offers beauty and history for all types of travellers willing to explore it. It is very affordable as well. For instance, a meal in a restaurant will cost you around 2 euros maximum, while accommodation will cost you anything from 10 euros per night for an apartment up to 50 euros per night for a hotel room with 4 stars. Bulgaria also has some remarkable festivals that are worth checking out – like the folk festival “Kukeri” during which participants dress up as masked characters with colourful outfits and dance around bonfires!

There are also many other reasons why you might want to consider property investment in Bulgaria such as:

– The country has a low crime rate

– There are plenty of opportunities for owning businesses

– Land prices are very low

4 Factors Affecting the Cost of a House

The cost of a house can vary in four main ways.

1) Location: the cost of a house will depend on where it is located. For example, a house right at the beach will cost you more than one in the middle of nowhere.

2) Size: the size of the property will also affect the price. For example, properties with a bigger backyard or more rooms might be more expensive than other homes with less space to offer.

3) Age: this factor is closely related to size and features but it also includes things like how old are the pipes? Or how new are the appliances? This is important because older homes might need lots of repairs and upgrades.

4) Amenities: another thing that affects housing prices is what kind of amenities, such as a pool or a gym, come with the property.

3 Ways to Make Your Home More Affordable

There are many simple ways to make your home more affordable. Here are 3 of them:

– Consider downsizing

– Look for a mortgage with a lower interest rate

– Consider walking away from your mortgage

– Consider to move to the Countryside

Downsizing is the most common way to make your home more affordable. The truth is that the size and space of your home can have an impact on its value. You could also look for a mortgage with a lower interest rate, which would help decrease the amount of money you spend each month. Lastly, it may be time to consider walking away from your mortgage if you have reached the end of what you can afford or if you are struggling to come up with additional funds.

Conclusion

Don’t look for a house that is bigger than you actually need it. Know what you can comfortably afford and then be flexible about the location as well as be ready to do some repair works yourself. Like that you will find cheap houses in no time.

Bio

Our Property under 20k team are the founders of www.all-real-estate.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.

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