Property in Turkey

Property in Turkey
Overseas buyers heading for the cultural shores of Turkey
are on the increase. Buyers from the UK are increasing and
so are German buyers all attracted to low priced real
estate, a lower cost of living and a great climate.

It's official - Turkish Tourism is on the up as
international visitors are attracted to the Turkish
climate, lifestyle and quality holiday resorts. Overseas
property professionals have also seen a rise in Turkish
Property buyers seeking to secure a home of their own in
Turkey. The Turkish Statistical Board recently announced
that 9.6 million tourists visited Turkey in the first half
of 2007, bringing in $5.9 billion. That compares to 8.27
million visitors and $5.7 billion in the first half of
2006. In July of 2007 there were an additional 3.6 million
foreign visitors. That is over a 16% increase from July,
2006 when there were 3.1 million visitors. It is also the
8th straight month of tourism increases in Turkey, showing
the increased strength and viability of the market.
Overseas property professional are also reporting an
increase in activity from buyers searching for a Turkish
property. So what can you get for your money? Two bed
freehold apartments start from GBP27, 000.

The combination of low property prices, low cost of living
and increasing demand is forcing property prices up and
increases of 20 - 25% pa are not unusual.

Property hotspots for growth are the area of Antalya, this
is a favourite spot for foreigners looking to buy or rent
property in Turkey. Last year over six million tourists
from 160 countries visited this city on Turkey's southern
coast. It has an ideal location overlooking the
Mediterranean Sea, a modern, international airport that
makes it easy to get to, and a climate with over 300 days
of sun each year.

Turkey has recently introduced mortgages for non resident,
and this, together with the increasing number of low cost
direct flights, continuing EU entry negotiations are all
adding to the upward property price pressure. As in
previous EU applications, this increase in demand is set to
continue. Germans are now the largest numbers of foreign
visitors to Turkey, followed by Russia and then the UK. The
Netherlands, France, Belgium, Austria, Iran, Bulgaria and
Ukraine round out the top ten countries with tourists to
Turkey, totalling 65% of all the visitors to the country.
Ahmet Barut, Chairman of the Turkish Hotels Federation,
noted that the "number of tourists who came to Istanbul
since the beginning of 2007, increased 30 percent over the
same period of last year. Many Japanese, South Korean,
Asian, Far Eastern and American tourists prefer Istanbul
this year."

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Buying property in Turkey needs advice and research author
Nicholas Marr has done this for you and works with numerous
real estate agents around the world including agents in
Turkey. These relationships make his articles informative
and up to date
http://turkey.homesgofast.com/

We Buy Houses - This Could Be Your Best Option

We Buy Houses - This Could Be Your Best Option
There are a couple of different ways that you can use when
you need to sell your home. You can sell it yourself, get a
real estate agent to help you or you can use we buy houses
investors. This could be your best option, especially if
you need to sell your house now.

You can find signs that say we buy houses all over the
place. You just need to look for them. Write down any
information that you find when you see one of the, we buy
houses signs. So why would selling your house with we buy
houses investors be your best option?

If selling your house fast is what you need to do than you
need to find local investors that place we buy houses ads
in local papers and place signs around town. This is a very
easy way to find a buyer for your home.

When you do find a sign or ad that says we buy houses, you
want to get the name and contact information of the local
investor. Then you just need to give them a call to see
what kind of deal you can get for your home.

If you are willing to be flexible then there will be many
times that the we buy houses investor will be able to make
you an attractive offer and close the deal quickly.

It doesn't matter what your reason is for wanting to sell
your house quickly but contacting the local we buy houses
investors will definitely be to your benefit. There will be
many times that they will make you an offer the same day
that you contact them.

We buy houses investors can be found all over the place.
You want to find an investor that is local to you because
this will help you sell your home faster. Not only that but
you will be able to start the procedure a lot faster to get
your home sold if you work with a local we buy houses
investor.

Take the time to do some research and learn more about
this. You want to check into more than one investor before
you decide which one to use. This way you will know that
you are getting the money you want for your home without
getting ripped off.

So do not rush into anything, but remember that when you
need to sell fast than the we buy houses option may be your
best course to take.

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Dubai Real Estate

Dubai Real Estate
The attraction of property in Dubai has been consistent
over the past 3 years. Investors who bought early are
already reaping the rewards of this unique and exciting
property market. What makes this market different to the
rest are the types of property being bought and the way it
is being financed.

Types of property tend to be luxury apartments being bough
pre construction. The way they are being financed is with
the investors own money. Buying off plan allows Dubai
property investors to make payments in stages over 2 or 3
years.

Dubai is the most populated and second largest Emirate in
the United Arab Emirates. It has seen enormous construction
and has attracted investors worldwide to its real estates
projects.

The good news is that the Dubai real estate market is
maturing and the big banks have woken up to the fact that
Dubai mortgages are potentially very big business.

The early troubles with a Dubai mortgage all stemmed around
the difficulties foreign buyers had securing the freehold
on a property. Since the announcement on March 12 2006 that
non United Arab Emirates nationals may be given the right
to own freehold properties in some parts of Dubai, massive
interest has been stirred in overseas property investors.
Demand is surging and real estate is in short supply many
off plan developments sell out in days of release.

Now with laws passed and established zones in Dubai where
freehold ownership is not in question the banks are finally
acting. The Dubai mortgage market is set to be one of the
most competitive markets in the world. The worlds investors
are looking at Dubai long and hard. Investors will not
tolerate being ripped off with high price mortgages.

Unlike many overseas markets most freehold property in
Dubai has not bought with mortgage finance. This gives the
market a huge amount of resilience. Many of the mortgage
providers in Dubai will only lend to non residents in the
Dubai freehold zones.

Properties for sale that are suitable for foreign buyers
are in the following freehold zones: Dubai Sports City ,
Dubai Marina , I.M.P.Z. International Media Production Zone
, Jumeirah Village , The Palm Jumeirah, Shaikh Zayed Road,
International City, The Lagoons, Palm Deira, Jebel Ali
Airport, Emirates Road, Dubai Land ,Business Bay ,Downtown
Dubai and much more

So what is attracted international Banks to Dubai that's
simple money and plenty of it. Dubai's population is
currently in the region of 1.4 million citizens, by 2010 it
is expected that Dubai will be home to 3.5 million
residents. The Banks anticipate a huge demand for property
and in turn a big demand for mortgages. The large multi
nationals will be moving in and with them their employees
all needing a place to live.

Most of Dubai population is set to be made up from people
from overseas. Dubai will be truly multi cultural multi
national and that feeling is already in Dubai. Experience
Dubai nightlife and you will see it is a truly multi
national experience.

The future for the big banks is bright as overseas
investors will feel more secure going with mortgage
providers that they are familiar with.

In all Dubai appears to be a great place to invest in real
estate

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Author Nicholas Marr works for overseas property portal and
has been working with Dubai real estate for a number of
years.
http://dubai.homesgofast.com

People 'Need Proactive Approach' To Financial Future

People 'Need Proactive Approach' To Financial Future
Millions of Britons could find themselves coming under
financial pressure in later life, new research indicates.

In a study carried out by Baring Asset Management, it was
revealed that just less than a quarter (9.03 million) of
all adults are yet to begin to save for their pension. The
findings also showed that the typical 18 to 31-year-old
expects that they will be able to retire at the age of 61.

And a lack of an adequate pension pot may result in
consumers developing difficulties in meeting other demands
on their finances. Such areas could include personal loans,
credit cards and outstanding mortgage payments.

In addition, the study showed that 12.25 million (a third
of adults) expect that they will be able to stop working
between the ages of 60 and 65. An estimated 7.43 million
are looking to retire between 55 and 60, with some 4.83
million aiming to do so before they are 55. Research from
the firm also indicated that 16 per cent of Britons expect
that they will be working beyond 65. Just 371,385 people,
meanwhile, do not plan on stopping work until they are at
least 75 years of age.

It was also put forward that "an incredible" 46 per cent of
people looking to retire before they are 50 years old do
not even have a pension scheme. In addition, about one in
five (21 per cent) of people on a defined-contribution (DC)
pension plan expect that they will be able to retire before
the age of 50, with this proportion dropping to 17 per cent
for those people on a defined-benefit (DB) final
salary-related scheme.

Commenting on the study, Rob Lay, head of European sales
for Baring Asset Management, said: "People have to start
taking a more proactive approach to planning for their
retirement. Relying on a DB scheme is no longer an option
for many UK adults and relying on your property as a
pension is a very risky strategy to take. These figures
reveal a worrying trend of UK adults assuming that they
will be in a position to retire without having made the
necessary arrangements for funding that retirement.

"People are increasingly expected to live longer, which is
a major issue facing our society. At the same time, the way
adults plan for retirement is changing - we can't rely on
DC schemes or a state pension any longer."

He added that it is "absolutely vital" that Britons take
the time to think about how they are to build up their
pension fund as soon as possible. Mr Lay claimed that if
this is not done people may find that their target age to
retire slips "further and further away".

Those worried about their capacity to put enough money away
for a pension fund might wish to consider getting a cheap
loan. Although this may present another financial demand
for borrowers, the loan could allow people to meet a number
of requirements on their spending quickly so giving them
the chance to free up more cash to put into pension funds.

And doing so might prove to be of particular help as
consumers get older, as a recent Wilkins Kennedy study
showed that the number of retired people filing for
bankruptcy has more than doubled during the last five years
as they become unable to meet demands for payment on the
likes of utility bills, loans and credit cards.

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Fair Isaac And Your New Mortgage

Fair Isaac And Your New Mortgage
It is commonly believed that Fair Isaac, the inventor of a
prevalent credit-scoring model, might be a good place to
start to get some reliable and useful information. Wrong!

Here are some non-answers to questions taken directly from
a FAIR ISAAC publication:

*QUESTION: If derogatory information is removed, how much
will the score increase? ANSWER: "...it is not possible to
estimate how much the score will change..."

*QUESTION: What would happen to the score if an applicant
were to pay off his or her balances and/or close some
accounts? ANSWER: "It is not possible to ensure that credit
scores would increase in this case."

*QUESTION: Do inquiries affect the credit bureau score?
ANSWER: "...inquiries may or may not be a factor in the
score..."

Get the picture? These answers are not really evasive. The
truth is, there are 60 different factors that are used in
determining credit score. The mathematical formula utilized
is very complex, so it's extremely difficult to predict how
isolated factors will affect a particular score. Generally,
the borrowers with the highest credit scores probably hold
these things in common:

*They use credit sparingly. *They always pay on time.
*Their credit accounts have not been recently opened. *They
have not been in pursuit of new credit.

How would you like to have the answers to these questions?

*How can using more credit raise my score? *How can paying
off collection accounts lower my score? *When does opening
new accounts raise my score and when does it lower them?
*Which accounts should I pay off to raise my score the most?

There are extra steps you can take to raise your credit
score almost immediately. If executed properly these steps
end up saving you a fortune if it qualifies you for a
better mortgage at a lower rate. This is just another
advantage of working with professional mortgage broker who
cares rather than responding to countless Internet, phone,
and mail solicitations thinking that banks are "competing
for your business."

Here is a series of considerations for determining what
mortgage lender to use:

1.Check references

2.Look for testimonials

3.Get expert advice

4.Do not pay application fees

5.Do not borrow more than you can pay back

6.Find out how long the loan officer has been in business

7.Have they kept up on the latest fraud prevention courses?

8.Deal with someone local to the area you are buying in. It
is easier to resolve problems with someone you can meet
face-to-face vs. talking with someone in another state.

9.Make sure that they are telling you how much they are
making on the loan. Make sure they discuss how they are
paid. If they are a broker they will have to disclose
closing costs and yield spread premium.

10.Find out if they are licensed. Mortgage brokers and loan
officers that work for mortgage brokers require a license.
Mortgage bankers that work for banks or credit unions do
not require a license.

11.Find out what percentage of clients are from
repeat/referral business. This will give you a good idea on
who you are dealing with. See if they will give you the
name and number of a closed client.

Knowing how to choose a professional will ensure that you
have a greater comfort level while purchasing your dream
home.

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AnaLise Kaufman is a writer and the Managing Director of
Majestic Help. Majestic Help represents many clients in a
variety of industries. For more information please view our
website at http://www.majestichelp.com or email us at
info@majestichelp.com.