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Money in Real Estate (Ed.2009)

Nel 2002, con l'entrata in vigore dell'euro, i prezzi degli immobili sono raddoppiati. Ciò che valeva 1 miliardo di vecchie lire si è trasformato in 1 milione di euro. Da un lato chi possedeva immobili ha raddoppiato il suo patrimonio. I giovani che invece aspiravano alla casa di proprietà were bound to give up. And the trend is still growing at 7 years, so for many there is no hope to crown their sogno.Eppure someone did that. Someone started from scratch and built a real estate millionaire. Someone has managed to build his own wealth to invest in real estate.

not only talking about celebrities like Ricucci and others, but a young man with no money in my pocket, but with great communication skills and finance, has managed to achieve extraordinary results.

Marcello Raso, this is its name in recent years has interacted with big personalities of the Vatican, to private negotiations, as well as with the real estate giants, including the famous Pirelli RE and many other properties. addition to his training company, has been directing some of the larger reality of the real estate capital.

Marc Raso has revealed his secrets and his tricks ebook "Make Money in Real Estate" that has quickly become the biggest best-selling real estate. "Make Money in Real Estate" miles of copies sold and now Marcello Satin him to once again in an updated version, available from 1 July: Added some new chapters and topics covered For example, the American market and subprime mortgages.

Marc Raso explains how to do business with real estate, how to invest intelligently, as they embark on a new business from scratch and without money. From real estate auctions, the sale of the first of the real estate options, the sale of debt by banks.

everything, really everything you need to know to find the real estate market. Have the money, although it is the easiest way to make more money in this area is not necessary: \u200b\u200bmoney is not needed.

It 'really possible? Sure, it's that nobody has ever taught you before. These are not techniques you learn in school, but that learn strategies in the field, years of experience . And today this experience is condensed into an extraordinary book that tells you all the possibilities of the real estate market, through examples and case studies.

Want to know the contents of "Make Money in Real Estate" by Marcello Satin? Click on the link to view the table of contents.

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Three Good Reasons to buy a property

recession, crisis, falling prices, but nevertheless there are still interesting ideas to invest in brick, which under certain conditions can still give a lot of satisfaction. Here are the reasons for betting.

1) is an excellent investment Have a real estate property is always a certainty, even in times of crisis. The brick is the best way to see the increase of the staff, just when many investors were crushed by the financial meltdown forced to let go and sell off real estate investments. Buy it, therefore, property performance, or with interesting prospects is the alternative to the bag, instead characterized by the high volatility.

No one can predict when will end the crisis, while the real estate market will always reliable, because despite everything moves slowly and remains a solid shelter. What are the difficulties currently weighs in buying, linked to the mistrust of the moment. But those with cash may find its opportunity and also a possibility of return, then maybe renting the property.

2) RATES ARE THE MINIMUM The economic crisis continues to at least have the positive effect to lower the rates of mortgage rates. The three-month Euribor, which is indexed to the volume of loans for the purchase of a home, has reached a new low, taking 1, 80%. But these records are broken every day, to the delight of all who have an adjustable rate mortgage or are about to turn a loan to buy a house.

And the good news does not end there for those who were still undecided about purchasing a property or not, it could be very reassuring news that the recession is prompting the European Central Bank to reduce the cost of money at levels never seen so far in the history of the institution: the rate Eurotower fell 1%.

Excellent rate at which to anchor a loan, as required under the anti-crisis this year, in fact, tutte le banche potranno offrire ai loro clienti mutui indicizzati proprio al tasso Bce e non più solamente all’Euribor.

3) MAGGIORE DISPONIBILITÀ DEGLI IMMOBILI
La crisi finanziaria ha colpito tutti senza lasciare fuori nessuno, neanche il mercato immobiliare. Proprio per questo motivo, non c’è mai stato momento più idoneo per portare a termine ottimi acquisti: basta seguire solo alcune indicazioni per concludere un ottimo affare. Le quotazioni medie delle case sono diminuite dell’1,1% in media e, in città come Bologna e Milano, hanno raggiunto picchi del 4%.

Dal momento che le agenzie immobiliari registrano forti cali nelle richieste Purchase of property, it is easy to obtain large discounts from sellers. The conditions suited to find good homes with prices are: public transport links nearby, well-serviced areas, safe and even better if re-training.

Also you can always invest in areas that in a little can be re-evaluated, focusing on neighborhoods undergoing renovation. You can talk, then, rather than good business, a good investment because it will increase from 250 000 € for a one bedroom apartment of 50 square meters purchased in early 2009, to 350 000 € at the end of 2010.

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She had never been pubblicata fino ad oggi una guida così ben dettagliata per accostarsi alla scelta del mutuo.

Con un linguaggio chiaro, semplice e sopratutto pratico, Guido Di Domenico ci illustra tutte le strategie vincenti per ottenere un mutuo sempre al tasso più vantaggioso. Questa pubblicazione è strutturata come un vero e proprio corso di formazione rivolto quindi a tutti, attraverso il quale si viene a conoscere il mutuo in ogni suo aspetto.

Ogni giorno veniamo bombardati da informazioni spesso discordi, che ci illustrano scenari apocalittici, in cui viene spiegato come oggi farsi dare soldi dalle banche sia veramente difficile.

In parte è vero, ma consideriamo pure che i interest rates are still down, and reached values \u200b\u200bnot seen for over four years.

The real trump card is the autoconsulenza and do not find appropriate time for the release of an ebook that deals with mortgages. The loan is a debt that is bound to affect their pockets for a term which can cover ten to thirty years.

is why the choice of mortgage is so important. In order to do the best you must be aware of the possibilities offered by the market and the burden that we take, but above all we must know how to choose the mortgage that best suits our needs. To this end

Guido Di Domenico has produced a handbook easy and understandable to anyone who approaches the topic with a pragmatic approach that helps the reader to become aware about their choices. Want to know the contents of "Choosing the Mortgage" by Guido Di Domenico? Click on the link to view the table of contents.

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Choosing a mortgage What is the real market value of a property? Buy

Evaluate a property means to determine a value or sale price of a property. The procedure followed, in general, to determine a probable market value is: a thorough search di mercato la quale ti porta a conoscere il prezzo degli immobili in quel luogo e in quella zona. La ricerca segue queste voci guida:

-Superfici

Ci sono due tipologie di superfici :

La superficie calpestabile o utile : formata dalla superficie su cui si può camminare, quindi al netto dei muri interni ed esterni, numero dei vani, altezza delle stanze non inferiore a 2,70 m.

La superficie commerciale : formata dalla superficie calpestabile più i muri interni ed esterni oltre balconi e/o terrazzi in base alla quale è generalmente definito il prezzo della home. Now let's see in detail how they calculated the surface:

Location: is the surface area is calculated at 100% walkable

porches, verandas, balconies full : are calculated from 35% to 50%

Terraces and balconies discovered: they are calculated at 25%

Underground, basements, attics or attics : are calculated from 30% to 50% depending on the degree of finish

Land space : it is calculated from 10% to 15% depending on whether it's apartments or houses

Garage: relevance of the dwelling located in the historic center of the provincial capital are calculated from 70% to 100%

Garage: pertaining to housing are calculated at 50% (but often are sold a body and not to measure, separate from the apartment itself)

-L 'location property

Center, periphery, semi-periphery. The houses on the sea or better properties than with their gardens or outbuildings bordering the sea areas for the planning instruments such as detached villas with private park, or property located in the center with historical interest, are immobile for several reasons that today are considered unique position in real estate.

not exist for these properties with a market value, the selling price it determines who possiede.I Real estate-Americans have a saying: "There are three things that determine the value of real estate: location, location and location. "

-type of 'property

· Studio: suggests how the definition is a building consisting of only one room and the bathroom

· apartment: property consists by a unique combined kitchen / living room plus a bedroom and bathroom

· bedroom apartment: property comprises kitchen, living room, 2 bedrooms and bathroom

· Four: property consists of kitchen, living room, 3 bedrooms and bathroom

° loft: property consists of one very large room, recovery of a factory or production unit of former

· Villette two / three / four-family : adjacent buildings sharing a common one or more walls consisting of several floors (normally 3, basement, ground floor area Girne and first floor with sleeping)

· Villa singles: buildings surrounded by gardens or park with one floor or several floors above ground. There is no doubt that the real estate family, have a market value far superior to other types of property.

If we speak of the attic in the old town with areas larger than 150/200 sqm (excluding appliances) with private elevator, stairs, walls lined with quality materials, swimming pool, need to discuss and reflect respect for the Villa family.

-type construction (finishes) and plant

There are buildings constructed a "workmanlike" and with all comfort, others made it absolutely necessary to have a roof on his head. The professional has to consider that after the location and type constructors are the details, finishes, state of maintenance and reliability of the building.

Do not underestimate that part of the building electrical and electronic components, water and plumbing, heating and air conditioning, alarm, etc.., Important elements in determining the value of real estate sales.

-Characteristics of

Other features that should be taken into consideration the state of delivery, the number of balconies, exposure to light, the plan, the facilities in accordance with, the two bathrooms, cellar, storage room, the garage, the 'lift, etc.. It is indeed very important factors in selecting a property, which naturally affect the price of the house.

-age of the property

Old, new, refurbished ... The years, age does not stop for anyone even on the buildings. There are buildings from several centuries from the point of view of reliability della struttura dell’edificio sono quasi sempre garantite; mentre per le comodità (mancanza di ascensore), confort, bisogna intervenire.

Quasi sempre questi tipi di immobili sono di interesse storico, il professionistica deve dare particolare attenzione nella valutazione del bene oggetto di vendita, per il costo di ristrutturazione e per le autorizzazioni che bisogna ottenere dagli organi competenti (di solito sono lunghi). Mentre per tutti gli altri immobili si somma il costo della ristrutturazione e “parte” della ricostruzione.

-Il contesto in cui è inserito l’immobile

Condominio, residence, palazzina , housing.

Once we have all the parameters that make up the price component, we have to see if the evaluation we have done is the real market value, so we have to find the price per square meter of buildings and similar features that are located in same area of \u200b\u200bthe building in our interest.

Today with the advent of new technologies, first of all internet, we can compare the prices of properties similar to what we are interested in staying at home doing nothing, but just doing a search on the doors of agencies Estate.

addition to the portals is also necessary sentire i prezzi di agenzie diverse che operano sulla stessa zona , così facendo potremmo incrociare i dati ottenuti ed avere una media relativa al prezzo di vendita degli immobili in quella determinata zona. Altro valido aiuto sono tutti i supporti cartacei : quante volte vi viene recapitata a casa una rivista con annunci immobiliari , forse è il momento di guardarla con più attenzione , se vi interessa investire in immobili.

Infine un aspetto da non trascurare è quello di visionare direttamente più immobili per verificare che le caratteristiche siano realmente quelle che ricercate e se il prezzo è esattamente quello che viene riportato negli annunci , in tal modo potrete anche verificare la trattabilità del prezzo stesso.

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house auctions legal

Niente notaio, nessuna provvigione d’agenzia e soprattutto prezzi scontati dal 30% al 50% rispetto alle quotazioni di mercato: se state pensando di acquistare casa non trascurate l’opportunità offerta dalle aste giudiziarie.

Tenute periodicamente presso i tribunali, queste vendite interessano gli immobili pignorati a chi non ha pagato i propri debiti. I tribunali, in genere, non sembrano preoccuparsi troppo di pubblicizzare queste vendite all’incanto, cosa che per chi acquista, può avere dei vantaggi: non è raro infatti, che l’asta vada deserta, con il risultato che viene decisa un’ulteriore riduzione sul prezzo base.

Per conoscere le aste della propria zona è importante comprare regolarmente i quotidiani locali e aguzzare la vista alla ricerca degli avvisi che i tribunali pubblicano fra le pagine pubblicitarie. In alternativa è possibile procurarsi una copia del bollettino delle aste giudiziarie o visitare http://www.asteannunci.it/

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An excellent opportunity to gain

di Alessandro Cosimetti

Il primo seminario che ho seguito nella mia vita, è stato proprio quello di Alfio Bardolla sugli immobili. Tante persone formed with this seminar. Many of them were surrendered at the first set (auctions not immediately awarded) while others have continued with determination and today have totally changed life style.

performs various types of investments, including its property, because they are highly profitable, even in a crisis like the one we are experiencing at this time, or rather the difficulty is on course for investors who know how to move.

Just as did our "beloved" politicians, we too can take advantage of, what might be described as the No. 1 rule of real estate investments (but relating to each sector). For gain, not only in time, but especially in the immediate, you should purchase the discount !

If you buy a house, or even worse a (car undergoes a systematic devaluation of the time) to earn you have to buy at a lower value than that of mercato.Ho worked for years in the field of trade in vehicles for multinational car leasing, and I know that if you buy with the value of earnings Quattroruote not, because that's the ceiling on which to go.

Now without getting into arguments with particularly complex, but I want to focus on immobili.Comprare the discount you can. There are judicial auctions, those failures, there are the so-called "dont Wanter" that all those people who for various reasons must get rid as soon as a property (transfers, employment, heritage in common, etc.)..

In this case we can rely on part-time in order to marginally reduce the price even more to our vantaggio.Ci are trade-offs, namely the purchase of a contract where it appears that you are willing to purchase a property under construction, at a certain price within a certain time limit (a bit like the options on the stock exchange) by paying a premium (Deposit).

That contract is in fact something is binding for the manufacturer to the buyer. The latter, however, can sell it to third, earning the difference in value that the property could take a short (very important in that the agreed price).

We use all the financial levers at our disposal, such as mortgages bancari.Con "Father Rich, poor Father, 'I got to know the method of evaluation of our financial position through the Cash Flow. Thanks to it, I found a different capacity to return the property, depending on the type of use which facciamo.Acquistare cases came home to live, accessing a dumb, is not "smart" from a financial standpoint.

I know this is an issue and a topic that generates much discussion since the first home is a primary and emotional for most families. But tying can borrow from a bank with an investment "assets" is not a choice that in time will prove wise. For example, I am in rent, but at the same time "exploits" the ability to do business with the money of others (in this case the banks).

Sure, I offer guarantees (God forbid!) But no rain my resources in a deal that I could enjoy the economic benefits, only by passing a long time. If you do not buy at discount and whether building up your capital, you will never make the money work for te.Lo know, it's an issue that creates debate, because there are factions who think in a totally different way.

But over time I learned to adopt the same system such as the marine industry. In the period after the summer, I go looking for small business (no need to spend stratoseferiche digits) or maybe buy inflatable boats in small denominations to ridiculous figures and sell them immediately.

All this is possible, just looking around, studying the market, interacting with others, creating a possibilemte team (including friends), and above all reducing injury.

business if they are many! Many people work for eight hours a day, five days a week for four weeks a month and all this much money? I do not know, each one large sentence! Our psychology and the approach that we have the money, is the first thing to work since subito.Se do not know and do not text, you'll never know if you can!

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What is the bank spread?

Spread The term adopted by banks, meaning not to be underestimated by those who want a loan.

In fact it is the charge that applies to each bank's base rate as profits, rather, the bank buys the money at a price (called the interbank exchange rate) and sells to its customers with a profit margin . 's why when you get a mortgage should consider not the interest rate but the bank that offers you spred your institution.

This year there was a significant increase in banking spreads. A difference of a few months ago in fact, when was quite easy to find spread below 1%, 1% of that now becomes the minimum spread of departure.

Looking at the terms offered by the major Italian banks may have a better idea of \u200b\u200bthe rise in recent weeks: who chooses a 100 thousand euro in funding from variable rate to the bank now pays on average a spread of 1, 34 % against 0.98% in late August, for those who prefer a fixed rate, reloading increased from 0.97% to 1, 37% (+41%).

This increase has clearly limited the benefit that could be obtained following a sharp decline in interest rates. Reasons for this increase in spreads is to identify mainly in the financial crisis that has affected the entire global economy, with serious repercussions on the world of credit.

E 'because of all the physiological and banks, hit by the economic storm, would be more cautious in granting loans and try to restore liquidity and profitability if still possible. The result is an increase in margins on loans through which tends to increase earnings.

It is also not unusual that periods where rates tend to fall will be accompanied by an increase in spreads (and this applies even more for the fixed-rate loans), as if to make a kind di compensazione della quale il cliente non sempre si avvede.

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It 'best not to borrow from the banks?

Cosa ti hanno sempre ripetuto a proposito dell'acquisto di una casa?"Smetti di buttare via i soldi pagando l'affitto, comprati la casa e con gli stessi soldi paghi il mutuo. Investi nel mattone, un bene rifugio."E poi magari hanno aggiunto..."Se puoi,non indebitarti conlabanca, fatti dare i soldi dai tuoi genitori. "

Sembra una cosa sensata: spendo dei soldi per comprare un bene, qualcosa che rimane qualsiasi cosa succeda,qualcosa che potrò passare ai miei figli. E sembra anche sensato non indebitarsi per decenni con una banca, meglio fare le cose in casa, con i genitori, se possibile. Se non ti fai prestare i soldi dalle banche perdi il vantaggio fondamentale dell'investimento in immobili.

E ti spiego di nuovo perché. L'investimento in immobili è l'unico investimento nel quale le banche ti finanziano, anzi spesso ti pregano di accettare il loro denaro! Questo significa che l'investimento in immobili è l'unico investimento che puoi fare senza metterci soldi tuoi!

Ma anche se ci metti una parte di soldi tuoi, le banche ti finanziano almeno il 70% per arrivare fino al... 100% se sai come fare. Facciamo un sempio: se vuoi investire in un bilocale da 150 mila Euro ti basta avere in contanti diciamo 30 mila Euro (o anche niente, se finanzi il 100%), il resto te lo presta la banca.

E, quindi, tu mettendoci solo 30 mila Euro sei proprietario di un immobile che ne vale 150 mila. Ipotizziamo ora che lo rivendi a 175 mila Euro, qual è il tuo profitto (per semplificare, al lordo di tasse e spese notarili)?175.000 (vendita) - 150.000 (mutuo) = 25.000 .

Investi 30 mila Euro e ne guadagni 25 mila! Guadagni l'83% sull'investimento. Altro che Bot e CCT!L'investimento in immobili è la miglior trategia per diventare ricchi: praticamente tutti i milionari sono investitori in immobili, a iniziare dall'uomo più ricco d'Italia...

And the main reason why the rich investing in real estate is that you can invest in real estate with the money from the banks. It seems paradoxical, but ... how did you become rich? Doing work other people's money on their ideas.

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10 Tips to earn revenue from the property

Laura Previati

1. Fun with properties. Making fun is easier! Evaluate property for me is fun. I will: know the area, discover new realities, new people, earn money, improve my quality of your reasons for vitaTrovate happy to be able to participate. Everything starts from here.

2. with people who invest in real estate . The importance of the "circle of peers." If you have never invested in property, until he realizes the return of the first purchase may be times when we are afraid .... afraid to fail, it is not suitable, not to find the right property .. . .... in fact be the only human to not find the right property! Attending persons or otherwise have contact with people who routinely investing successfully in real estate helps to have more confidence and energy! E 'key people to attend which is normal to find properties at a discount!

3. Imparare a valutare il contesto : LOCATIONIl contesto di un immobile può indicare se la zona è in crescita o in depressione commerciale.Nuove attività in apertura, nuove costruzioni possono essere valorizzanti o svalorizzanti per il bene stesso ! E' fondamentale imparare a distinguere le condizioni anche se il punto fondamentale rimane sempre “comprare a sconto “.

4. Parlarne spesso Esporsi costantemente . Non si torna indietro. A volte il primo immobile si trova subito, a volte no. Se dichiariamo il nostro intento, però, l'universo ma soprattutto le persone possono portare utili informazioni per raggiungere il nostro scopo! Gli immobili a sconto si trovano ovunque:possono esserci persone che devono traslocare velocemente o che hanno ereditato un bene da ristrutturare ma non hanno voglia di spendere...vogliono solo incassare e velocemente.Incassare + velocemente = A sconto.

5. Esercitarsi a trattare .Negoziare, trattare,mercanteggiare. Chiamatelo come volete : l'importante è pagare meno del primo prezzo ! Qualcuno,devo dire, ce l'ha nel sangue ! In generale è bene imparare le regole ed allenarsi !Con cosa ? Con le offerte alle agenzie immobiliari ( non me ne vogliano gli agenti immobiliari! Comunque vi portiamo lavoro :-) ) ma anche con il negoziante ove troviamo un oggetto che ci interessa acquistare.

6. Il prezzo è relativo, la mappa non è il territorio .Quando si impara a negoziare ci si rende conto che il prezzo è solo una delle componenti della trattativa. Assieme al prezzo troviamo: la modalità di pagamento, la tempistica , le detrazioni fiscali, le leve di interesse del nostro venditore. E' importante quindi non focalizzarsi solo su di esso ma riuscire a capire il punto di vista della nostra controparte...forse non è così “contro” ma è molto più “di parte” . Spesso, per le persone che hanno debiti una delle voci che interessa maggiormente is to protect the image even more than the economic side ....

7. Knowing how to sell it's important (if not decisive). When you develop any business contact with the public in the first place we sell ourselves. Then we sell our service or even our property just purchased. The sale is like a chess match where he won what he knows to include at least the next three moves. Being able to predict the moves is the result of training and "talent". Who knows how to sell will never have trouble finding a good job or a business can support it until the first goal.

8. Know taxation. When we talk we talk about properties of numbers sometimes large numbers, but the purchase price and the resale is not sufficient to "take account of it" with any type of investor. And besides this: Depending on the legal form of taxation and expenditure of the buyer can deduct the costs have changed! Learning about and managing the numbers is essential!

9. know "good debt" and "bad debt". It 'important to understand when access to credit is beneficial or not. In general, if a debt is for the purchase of a property / activity / object that will produce income and then pay a "debt good. "If the purpose is an object / property that generates costs, financially it is seen as a" bad debt. "This mentality goes beyond the common habits of Italian families is interesting but if you want to get to deepen their financial freedom within inmobiliare .

10. consistently develop financial intelligence. If these suggestions will feel like coming to win with real estate know that with the right information and a fair determination of the economic quality of your life can change for the better ! It does not matter where the important part is where we want to go! It is essential to get nourish your mind of profitable ideas to improve day to day financial intelligence building: the site www.casaidealeonline.it was born for this! Good business at all!