Heidelberg Real Estate

Homeowners who are behind in mortgage payments often make one mistake that, if not made, would allow them many more months to recover financially before losing their home. This mistake is when borrowers move out of their home before they are legally required to do so. And now, with the steep rise in the foreclosure rate over the past few years, there are even more reasons to stay put as long as possible.

Of course, a small number of homeowners realize the financial advantages of delaying the final move into a new apartment or rental house for as long as they can. Every month without a mortgage or rent payment is extra money that can be used to pay off other bills, keep on top of car payments, or simply save up for a security deposit or emergency fund. And as long as they still have legal rights to remain, there is no reason to move just yet.

Some homeowners even go to great lengths to get even more time from the bank to stay in their home. They do whatever they can to apply for solutions to foreclosure, request postponements of a sheriff sale, and defend the lawsuit in court for months. Finally, they file bankruptcy to drag the process out even longer. In many cases, this can result in months or years of living rent and mortgage free.

A far greater number of homeowners, though, fall behind on their monthly bills, listen to the lender’s threats of foreclosure, and simply move out of their house. The property sits abandoned while the banks takes it through the legal foreclosure process, and then it sits abandoned while the bank hires a local Realtor to sell the home. In the meantime, if falls into disrepair and becomes a victim of squatters or people stripping the property of anything of value.

However, now that banks have so many foreclosures on their books, many foreclosure auctions are simply being postponed for no apparent reason. While more homeowners than ever are applying for assistance, even more sheriff sales are being delayed. In addition, lenders are often incompetent enough to proceed with a public auction of a home even if the borrowers are negotiating for a loan modification or other plan.

This indicates that the banks are voluntarily postponing some sheriff auctions in order to avoid having to declare the loans as losses and then declaring the properties as assets at their true market values. Banks have gotten away for years with overestimating values of homes in order to inflate the values of the loans on the properties and the securities made up of these mortgage debts.

A sheriff sale, though, has the result of voiding out all of these fraudulent financial calculations. The property is auctioned off for a very small amount, and the rest of the loan is written off as a loss. Then, the bank must take possession of the house if there are no third-party buyers and declare the fair value of the home on its balance sheet. This can be quite a bit less than the appraisal stated it to be at the time the loan was originated.

Thus, banks are avoiding this problem of living in reality by postponing sale dates with ease. Even if no one is living in the property, there can be a delay in the sale — all the bank has to do is contact its local attorneys, who contact the court and sheriffs department to cancel the sale and reschedule it for the next month.

This is a new development in the foreclosure crisis that more homeowners should take advantage of. Banks do not want to own these properties, and they sure do not want to declare them at their true market values. With a little bit of effort, borrowers may be able to have the sale delayed for a quarter of a year or more, just because there is such a huge backlog of properties in some stage of foreclosure.

Immobilienmakler Heidelberg

Makler Heidelberg

A yard sale is a great way to get rid of things you don’t need anymore, and make sure your old possessions fall into the hands of those who can reuse and better appreciate them. They take a lot of planning and work though, so here are 20 tips to help make the process a bit easier.

Don’t schedule your yard sale on holidays. It may seem like a good time for people to be out and about, passing by your sale, but they most likely have places to be and things to do already.

Advertising is the key to any event being a success. If you put your yard sale’s date, time, and location out there, you’re going to bring in a much larger amount of people. Try listing the info online, in your local paper, and on posters throughout the area. A great website to create your own eye-catching sign is SassySigns.com.

Make sure you don’t overlook the essentials. Start with a good amount of small change and bills. This is also a good time to get rid of all those plastic grocery bags stuffed together in your kitchen.

Before your yard sale, start accumulating the items you want to sell. Put all the items in a box in some out-of-the-way place. If you don’t have to retrieve an item out of the box before the sale, it’s probably safe to assume you don’t need it.

Make sure you have a clean, freshly cut yard if that’s where you’re going to be hosting the event. You don’t want any of your kid’s toys mixed in with what’s being sold, or customers falling into ruts in the ground.

Place the more desirable items near the road- it will lure buyers in.

Go the extra mile and put a price tag on everything. It will save you time answering questions about price, and give you the final say on what you want for the item, rather than wasting time bartering if you don’t want to. However, if money, and not time, is your concern then you have the potential to get more than what you would have asked for if you let the buyer make an offer first.

Clothes generally don’t do well at yard sales, so if you have some high-end items that you don’t want to let go for a few dollars, check out local consignment stores and see what they would offer.

Set up early- at least an hour before you’re scheduled to be open for business. Oftentimes serious buyers will show up a little early to get the best picks, and are ready to pay more for the items.

Price reasonably. Usually it’s a good idea to go with 1/3 of the original cost of the item, but when it comes to old textbooks or outdated gadgets you might want to go lower.

Buyers love „Buy 5 for a dollar“ types of deals. If you have stacks of old paperbacks, this is a great way to get rid of them fast.

Set up a table of „25 cent“ items, filled with toys or useless trinkets. It draws in children who probably don’t have too much money to spend, and keeps them occupied while the older crowd sifts through the more expensive items.

Clean up any dusty or otherwise dirty items you’re going to be selling. Making the products as attractive as they can be is going to help you sell.

If it’s a hot day, set up a place where customers can get a drink, even if it’s just some paper cups with a pitcher of iced water. The buyers will then potentially stay longer, and be more likely to purchase items. It also creates a friendly atmosphere, so they’ll be willing to work with you more on prices.

Don’t accept checks unless you are willing to risk getting a bad one.

If you want to get your kids involved, allow them to set up their own table with old toys. Explain to them that if they get rid of the toys they have outgrown, it will make room for new ones they can buy with the money made.

Each item should be displayed to show its best side. Don’t pile books or CD’s into cardboard boxes to be put on the ground. Stack them neatly on a table, with each title visible.

Have a plan for the items that don’t sell. Whether it be donating to charity, your local library, or going to a consignment store, it’s best to have an alternative to dragging all your junk back into the house for an indefinite amount of time.

Admit to yourself that the main goal is to get rid of your junk. If as the day goes on you still have a lot of items left over, put up ½ off signs, and try to be more open to those who want to barter with you. Money is nice, but a de-cluttered house is better.

Once your yard sale is over, take down the sign. Don’t be inconsiderate of those who might believe there’s still good buys to be had.

Immobilienmakler Heidelberg

Makler Heidelberg

There is no doubt that the day when you finally hold your book on your hands is one of the happiest days for a writer. After so many months -if not years- of writing, revising, editing, submitting and finally publishing you can see and touch your baby. This occasion calls for a big celebration and what better way to send this book off unto the hands of your readers than with a Book Launch Party.

One of the main considerations for this party is that you probably thought of it way back when you were planning to write the book. The book marketing plan must be prepared before the book itself in order to ensure success. Considering the topic and audience of the book determines the theme of the party along with all the activities. The best days to do a Book Launch Party are either Friday or Saturday, in order to get the most attendance. The time of day has a lot to do with the theme; it could easily be a picnic at the beach as a wine and cheese or masquerade during the evening.

Here are the key ingredients on The Ultimate Book Launch Party:

• Theme: Select a theme directly related to your book. Fiction books are excellent in this regard.

• Invitations: Create one-of-a-kind invitation for the launch. You can get an inexpensive software program and design and print your own invitations. Request to RSVP.

• News & Media: Remember to prepare a news release to mark the event and forward it to your local newspaper at least four to six weeks in advance. Do not forget to send a personal invitation to your local news person.

• Party Register: Have everyone register on your party register and include their e-mail and mailing address. Tell them they will be the first to know about your next book sale, book release, contests and giveaways.

• Game or Contest: Create a game or contest around your book.

• Food & Drinks: Have something simple to offer your guests on elegant serving plates.

• Reading: Read portions of your books or better yet, have some of your guests read a short portion of it. If anyone assisting has read your book ask them to tell the others about it. Nothing sells more than a satisfied reader.

• Pictures: Take plenty of pictures with your guests while the party is going on. You might want to give the camera to one of them to take pictures as you visit with everyone there. The pictures will be great for promotional materials, websites and blogs.

Note: You might want to have a release form ready for all the attendants to sign in reference to authorization to post their pictures online or any printed materials without compensation.

• Sell: Offer special discounts to your guests who buy 2 or more signed copies of your book. Have bookmarks, flyers and mail order forms for everyone and the ones who do not buy, they can take it home and order later. For those who don not buy on the spot you might want to offer them the same special discount if they order in the next 48 hours.

• Follow Up: Send the guests a thank you note for coming and include 2-3 business cards with a small discount offer for your book on the back for them to give to family or friends. Make sure your discount has an expiration date in order to keep the book sales going on a regular basis.

That is it. Easy, fun and profitable! Let your imagination roll and create The Ultimate Book Launch Party for you and your friends.

Immobilienmakler Heidelberg

Makler Heidelberg

Not only should your home look appealing sporting every nice aspect through visual presentations, it should also engage other senses specifically the nose. And there is no better way to engage the nose than by letting it smell as good and pleasing as possible. Don’t let your prospects find their ways out of the house. Instead, let them find comfort by treating their noses with respect. Here are some tips to have a home scent that will take you closer to signing a deal with the buyer.

• Clean the house as clean as you can. Cleaning the house doesn’t mean you only have to sweep or vacuum the floor or run the mop. To make it as clean as possible means you have to go beyond the usual tasks. If you need to shampoo the carpets, then do it. If you need to move huge furniture and appliances, you have to. Professional cleaners who go beyond the ordinary cleaning ways can help you in the cleanliness tasks.
• Infuse the house with aroma of real fruits, specifically citrus. According to a study in which several homes were infused with scents of real foods, that which had the scent of real citrus was highly favored by potential home buyers. The scent was chosen over baked goodies and chicken. One precaution though is to avoid the use of chemical-based citrus such as air fresheners. It may create the notion that something is being covered up because the air is chemically infused.
• Lit up few aromatic candles. Give your house the warmth and comforting scent of aromatic candles. They never fail to relax the mind and soothe the senses. They also send message to potential buyers how relaxing a stay in the house can be.
• Invoke neutral scents of cleanliness. While some buyers will go for scents, some will just opt for the simple smell of cleanliness. Aligned with the first tip, the use of baking soda and other non-scent products will give off the image of simplicity. This is in contrast with the complex scent that potpourri and fresheners emit.

Scents condition the brain and affects the mood of people. Imagine how your potential buyers would be turned off when there is bad smell circulating inside the house that you are selling. Imagine how they will be tempted to give you offers if your house is appealing, inviting, and nice-smelling.

For other real estate concerns, always approach your local real estate agent.

Immobilienmakler Heidelberg

Makler Heidelberg

If you are in the unfortunate position of not being able to sell your house and keep asking yourself „how do I sell my house for cash“, especially if you want to get rid as soon as possible, this article will point you in the right direction. You will find out the best and most efficient way to sell your house.

This article will also go into the reasons why people want to sell their home and why some people need a quick sale. It will also go into the whole process of a quick sale and what to expect when exploring an alternative to the long drawn out process of the traditional estate agents.

The reasons why most people ask „how can I sell my house for cash“ and want a quick sale may differ greatly:

*Couples going through a divorce would find it beneficial to cut all ties as soon as possible, so selling the house and splitting the proceeds would be of benefit in a very stressful situation.

*People who are in debt and heading towards repossession will be able to cash in before they totally lose out.

*People who need to relocate in a hurry can use the cash to help set up their new home.

*People wishing to downsize to a smaller property

*People wishing to upsize to a larger property

*People who simply cannot wait for the long drawn out process through the traditional open market via estate agents.

For whatever reason you wish to sell, you will benefit from the cash outlay after the speedy completion.

The process for a speedy home sale is relatively easy and straightforward. You simply provide details about your home to an efficient cash buyer. They will then assess your needs, requirements and suitability for a cash purchase. They will then give you an estimated offer.

Assuming you are both in agreement, a viewing of your property will be arranged. If the homeowner would like to proceed then a written offer will be made. All associated costs such as solicitor’s fees and all other legal costs of selling a house will be borne by the cash buyer. There are also no hidden charges so you will not be caught out forking out for unexpected costs.

Immobilienmakler Heidelberg

Makler Heidelberg

As a land owner, knowing the location of your property lines is one of the best ways to avoid disputes with your neighbors.

Property lines, or boundary lines, are the defined points where one owner’s land ends and the neighboring property begins. A property owner uses boundary lines to determine where they can legally place items such as fences, driveways, outbuildings like pole barns or anything else. Erecting a structure on or partially on another person’s land can lead to lawsuits and unpleasant situations with neighbors.

1. Check your deed. The deed contains the legal description of your property, which is basically the property’s measurements and boundaries in words. For most people, the property description can be difficult to interpret, so you may not find it helpful. However, sometimes, the legal description uses landmarks and measurements that you can interpret. If that’s the case, measure from the landmarks in the description to the property lines. Mark each corner with a stake or other marker. Measure from each stake to the next all the way around your property to ensure the measured lines match the deed. Physically measuring the boundaries will allow you to visually determine where the lines are and avoid encroaching on your neighbor’s land. Just be warned: An old description may rely on the location of a tree that no longer exists or a creek that has gone dry.

2. Check the official website for the assessor’s office in your municipality. Some assessors have mapping tools available online for all of the real estate in the area. You can use the maps to find the boundary lines for your property and to determine where nearby landmarks are located, such as the east line of your street. You can use these landmarks as fixed points to measure from. Using a tape measure or measuring wheel, measure the distance from each of the landmark points to your property line as shown on the maps.

3. If you don’t have a copy, and there’s nothing available online, visit the county recorder’s office or the assessor’s office. When you bought your property, you may have received a plat map, showing property lines and measurements. If it wasn’t included with your paperwork, check with your local clerk’s or surveyor’s office. Ask if there are any maps available for public viewing that include your neighborhood and street. Some of these maps may be available online, while others will be hard copies or microfiche copies. Even maps of neighboring properties can be valuable if they show shared property lines.

4. Last but not least, hire a surveyor. The most surefire way to determine legal property lines is by hiring a professional. The surveyor can measure and map the property and will generally also mark the corners of the property with stakes. It’s always a good recommendation to be present when the surveyor comes to measure your property, so they can review the property lines with you. The cost of a survey will vary depending on your location, lot size, and other variables. The surveyor needs to be licensed with your state and should carry professional liability insurance, which can cover you if the surveyor makes a mistake in the survey.

Immobilienmakler Heidelberg

Makler Heidelberg

When putting up a property for rent or estimating the amount to be paid monthly by the tenant, the term rental amount comes up. But what does it mean?

Rental amount, also called rental value, refers to the sum of money that one has to pay for the temporary use of particular items, equipment, and services. Generally, its payment ensues weekly, fortnightly, monthly, or periodically.

Now, it is evident that one cannot determine the rental amount of property at random. Additionally, it can be neither too high nor too low to avoid putting off prospective tenants and incur losses for the landlord, respectively. The rental value depends on several factors that directly influence its rise and fall. In this article, let us have a look at what they are.

• Market Value of the Property

The market value measures the current standing and significance of a particular property in the real estate market. Suppose the acreage in question lies in an area or neighborhood with multiple public facilities and amenities like metro stations, convenience stores, hospitals, train stations, and so on. In that case, it will inevitably be in high demand. These factors would make the potential leaseholders appreciate the worth of the property, allowing its value to rise in the charts.

On the other hand, elements like increased pollution levels, a decline in safety, and stalled infrastructure projects in the vicinity of the property can result in a decrease in its market value. Subsequently, its rental rate or value would also drop.

• Prevailing Rental Rate

It would be strikingly eye-catching and off-putting for probable renters if the rent of a specific property is considerably higher than the rest around it. Too low a price would also defer tenants as they would believe that something is wrong with it. Thus, it is imperative to consider the entire area’s rental rate before setting one for a new house or land.

However, this comparison and reference must only be done to and taken from similar properties. For this purpose, one can take into deliberation the following characteristics:

• Number of bedrooms and bathrooms
• Year of building and most recent remodeling
• Lot size
• Included facilities

Additionally, the money spent behind mortgages, maintenance, tax, and repairs, which owners have to pay when the property is left unoccupied, should be contemplated.

• Extra Amenities

Properties with additional facilities like parking spots, verandas, swimming pools, gardens, and so on will, without a doubt, command a higher rental amount. Furnished or semi-furnished houses with cupboards, fans, storage space, kitchen appliances, and beds will go for and fetch more rent than the non-furnished ones.

• Rental Rate

Rental rates estimate the suitable and acceptable amount of rent that a property occupant can and would have to pay. It lies at about 2.5% to 3.5% of the acreage’s market value.

However, the rental rate may differ depending on the property’s demand and supply disequilibrium. Nevertheless, the maximum and minimum values should not exceed 3.5% and 2.5% of the market value, respectively.

Ways to Value a Real Estate Rental Property

Primarily, there are five ways to determine the rental amount of a property after considering all the associated factors. They are:

1. The Sales Comparison Approach (SCA)
2. The Income Approach
3. The Capital Asset Pricing Model (CAPM)
4. The Gross Rent Multiplier Approach (GRM)
5. The Cost Approach

Immobilienmakler Heidelberg

Makler Heidelberg

We are a full-service real estate company offering the most comprehensive real estate services available in the market, and we go the extra mile to assist our clients on a daily basis. We work tirelessly on your behalf to make your next buying or selling experience a pleasant and successful one.

Our services include working with both buyers and sellers in a wide array of markets including residential, commercial, land, and other related property types.

Our company is dedicated to serving your every real estate needs. We are committed to providing a superior level of service in order to ensure a smooth and beneficial outcome to each and every transaction.

Buying

Selling

Renting

Financing

Investing

Our team maintain exceptional knowledge of the local markets, outstanding negotiating skills, and the experience necessary to give you the service you deserve. Professionalism, dedication, and knowledge make us the perfect choice when selecting a realtor.

We provide outstanding exposure to your property through both traditional means of advertising while maintaining a comprehensive approach using today’s modern techniques including web advertising.

We will work with you to find your ideal home by using a wide array of resources and we will make sure all your buying needs are met.

we will utilise our outstanding negotiating skills in order for you to receive the best possible price for your new property. We look forward to serving all your buying needs.

Buying or selling your home will be an enjoyable and rewarding experience when you work with Kargil Properties and their innovative and effective methods for generating successful results quickly and efficiently.

A Commitment to Excellence

Our Firm’s philosophy is simple – we understand and care about people who ask for our real estate service. We make a commitment to your entire family. We find homes for families – homes and neighbourhoods that meet our clients‘ dreams and desires. We sell homes for families at the highest fair market value possible. That’s the reason our clients return again and again.

If you would like to consider us to fulfil your real estate needs, please fill out the following form below. This will help us to understand your specific real estate needs.

Office Address:

Kargil Properties

Lane Number 5, New Airport Rd,

Viman Darshan, Pune,

Maharashtra 411014

Open 7 days a week from 10:00 am to 8:00 pm

Owner And Director Of Kargil Properties:Mr. Sanat Thakur is an Ex- Army person, Motivational Speaker, NLP certified Trainer& Life coach, Successful Entrepreneur.

Immobilienmakler Heidelberg

Makler Heidelberg

Creative Financing

When a Commercial Real Estate Investor is looking to purchase income producing property utilizing any number of creative financing methods, one of the most important keys to their success is that their ability to provide adequate, verifiable proof of funds – P.O.F.- to both the seller and the lender. The verification of funds can enhance the investors credibility with the seller as well as satisfy the lenders requirement to know that the borrower has necessary funds to complete their transaction.

Proof of Funds

There are a few ways acceptable to lenders and sellers to show P.O.F. to close your Commercial Real Estate transaction:

• Bank Statements or Bank Verification
• Brokerage Account Statements or Verification
• Escrow Account Verification

„Bank Verification“ This is the most acceptable and widely used method to confirm the investors can complete the proposed deal. As such money must be put into a bank account and confirmed by statements or letter from the banker.  This is a „hard“ (versus soft) method of verification, because money are deposited in an account in the buyers name to serve as proof the buyer can complete the transaction.

„Brokerage Account Verification“ Similar to bank accounts, brokerage accounts show acceptable means to complete a purchase transaction. Likewise, statements or letter from the brokerage house representative will meet the requirement to prove adequate financial strength. This is also a „hard“  method.

„Escrow Account Verification“ This is the one method that can be hard or soft evidence of necessary assets as the escrow agent simply needs to write a letter of confirmation attesting that the borrower has finances available to complete the transaction. It becomes hard when money is transferred  into an escrow waiting for the closing.

Companies

Finally, there are companies whose sole purpose is to provide evidence of the financial ability of Commercial Real Estate Investors to complete their transactions. Many of them provide „Proof of Funds“ and Transactional Financing. P.O.F. is necessary at the beginning of the deal and Transactional Financing is for the day of closing only. Both of these methods are a necessary part of an investors arsenal when utilizing creative financing.

Immobilienmakler Heidelberg

Makler Heidelberg

Natural light is bestowed by nature free of any charge. The more of it that enters your house, the more advantages you’ll get from it. Imagine the cost you’ll be able to save from your electricity bills. It also give a refreshing glance of your house because it imbibes positive energy. Here are some tips to let natural light help enlighten your house.

1. Build house to where the sun is oriented. Most builders recommend to have most windows face the south direction. They will get the most sunlight than have it lost. According to experts, north light is more pleasing and free of glare.East and west-faced windows gets more sunlight but they can be difficult to manage and can trap more of the sun’s energy and give a hotter feel. If you can’t avoid having east and west-faced windows, be sure to have low E-coatings on those windows. Deciduous trees can also help give shade during the summer months, and let more sunlight enter during the winter months because they shed leaves.
2. Have light control materials in your windows. Curtains and blinds are light control materials that will help natural light enter your house depending on the amount you want. During the first hours of the morning, it is good to get sunlight in because it gives a refreshing energy to move. As the day heightens, the curtains and blinds will help you control the amount of sunlight. They may seem low tech but they can help keep in or keep out the amount of sun’s light you just need.
3. Have daylight harvesting system installed. This is an automated system which through the help of sensors and detectors can control the light inside your house. It combines natural light and artificial light to illuminate the parts of the house. This system detects the natural light intensity and signals the artificial light to give off the right percentage of luminescence to give an atmosphere that will be conducive for movement and productivity.

Natural light is important in a house. Aside from illumination, it gives health benefits particularly to the skin which needs the natural vitamin E that it gives. However, maintaining the amount of natural light that enters the house is still within the control of the owner. Through the tips given above, it is hoped that you somehow grasped the general idea of how to keep natural light inside your house just as you need it.

Immobilienmakler Heidelberg

Makler Heidelberg