Bandar Udara Kota Makassar
Bandar Udara kota Makassar merupakan salah satu Bandar Udara Internasional yang terdapat di Indonesia.
Masjid Raya Kota Makassar
Masjid Raya Makassar diresmikan pada tanggal 25 Mei 1949. Kehadiran masjid raya Kota Makassar merupakan tonggak sejarah masa lalu.
Trans Studio Theme Park Kota Makassar
INI adalah theme park indoor terbesar di dunia saat ini. Nama resminya Trans Studio World Makassar. Memiliki lebih daari 20 wahana permainan dan dilengkapi berbagai fasilitas seperti mal, restoran, hotel, dan marina.
Pantai Losari Kota Makassar
Konon, Pantai Losari memiliki panorama sunset terindah di dunia. Benarkah? Datang dan alamilah sendiri. Jadi jangan lewatkan Sunset di Pantai Losari.
Benteng Fort Rotterdam Kota Makassar
Benteng Fort Rotterdam merupakan salah satu benteng di Sulawesi Selatan yang boleh dianggap megah dan menawan. The best preserved Dutch fort in Asia, By. Barbara Crossette.
Mari bangun rumah sendiri
TIPS PROPERTI: Pilih Sofa Tanpa Sandaran
Cara Mudah Menentukan Harga Jual Rumah
- Lakukan survei lingkungan untuk mencari pembanding, apakah ada rumah sejenis yang ditawarkan di sekitar rumah yang akan dijual. Lihat harga jualnya.
- Jika di sekitar tak ada rumah yang dijual, cari di radius yang lebih luas. Hal ini penting sebagai pembanding dan pegangan si penjual.
- Dari harga penawaran yang dilakukan di rumah pembanding, lakukan penyesuaian terhadap rumah yang akan dijual. Perbandingan bisa dilihat dari beberapa poin, seperti luas tanah dan bangunan, legalitas (sertifikat), karakteristik rumah (arah hadap, bebas banjir atau tidak, bentuk dan usia bangunan, dan lain-lain). Dengan demikian, akan terlihat harga pasar yang pantas untuk rumah yang akan dijual.
- Jika secara keseluruhan rumah yang akan dijual lebih baik dibanding rumah pembanding, maka tawarkan harga yang lebih tinggi. Begitu pula sebaliknya.
- Untuk menguji benar atau tidak harga yang telah ditetapkan, coba analisa harga tanah dan bangunan secara terpisah. Misalnya didapat harga tanah Rp500 juta dan harga bangunan Rp200 juta, maka sebaiknya penjual menawarkan rumah dengan harga 20% di atas harga tersebut, yakni sekitar Rp850 juta. Jika nanti terjadi negosiasi, maka penjual bisa mempertahankan harga wajar yang telah ditentukan sebelumnya, yakni Rp700 juta.
Sumber : Rumah.Com dan yahoo.com
Kiat Mendapatkan dan Mempertahankan Penyewa Properti
- Berikan welcome gift di hari pertama tenant masuk.
- Jangan membeli furnitur murah dengan kualitas jelek yang mudah rusak.
- Lakukan sedikit renovasi dan perbaikan saat masih disewa. Jangan tunggu properti tersebut kosong.
- Jangan ganggu penyewa, karena biasanya mereka senang dengan kesendirian. Jangan terlalu sering mengunjungi mereka.
- Kreatif saat mendekati akhir masa sewa. Jangan hanya menaikkan harga sewa, tetapi coba tawarkan sesuatu, seperti kartu ucapan terimakasih telah menjadi penyewa yang baik.
Rumah Bergaya - Minimalis, Elegan, Natural
How to Heat Your Home
- Close windows and doors properly can help keep your house warm. Many studies show that the difference in air due to doors and windows to get inside the house to make it cooler.
- Use storm window panels may actually prove better. This way you save more energy.
- Double paned windows are getting could prove even more efficient. inside and keep windows open them when it's sunny time you get some heat latch to close them again.
- Use removable plastic window or window caulk to seal properly. You can also towel or another for any difference that can cool the air inside the block can use Sunny.
- Thick curtains always a good way to create cozier in the winter home to prove. you shower curtains to use sunlight to get home to keep warm as well as can be. Plastic on the windows can bring sheet windows are properly closed and air tight to keep warm home.
- This door seal and door down some heavy sheet to place them properly without any air piracy to stop.
- Are always better in smaller rooms to winter. So in the winter for living purposes, use a small room.
- Use floor rugs to keep warm.
- You end up using an electric heater can warm the room if you break the cold face.
Real estate software
- immediate access to information about a product or a contact,
- mailings and personal attention to prospective purchasers,
- automated publishing your ads to all media
- automatic update of your real estate website,
- automated creation of documents / emails personalized (posters, purchase requests, reminders, ..).
- reconciliations property buyers based on the technology of Intelligent Query '
- slideshow presentation of property to buy (including virtual tours and slide "window")
- smooth organization of appointments,
- instantaneous creation of virtual tours
- exchange / sharing of data between multiple agencies,
- bid management and sales
- reports and statistical tables (table of fees, listing of properties ,...),
- Support for 15 languages
- Showing slide to the window of the agency (up to 16 screens simultaneously),
- possibility of recovering data from various transaction software
source : http://www.lereflex-agencesimmo.net
7 tips to sell your house quickly
Tip 2Use a real estate agency: These are very effective but at a fairly high cost. Sometimes the sale by real estate agency can be very long. The estate agent also arranges for advertising, visits, checking the condition of the property, the estimation of some renovation. It is also able to build the project folder Catalog (title, description accurate housing, condominium rules, etc.).
Tip 3Advertise on specialized sites: Many sites on the Internet offer sellers to place their ads free on the site. In general the houses are sold very speeds. On average it takes one week, but it depends on the cities and houses. Plus: you talk to individuals who are persuaded to do business without resorting to an intermediary.
Tip 4"Put ads in stores near you.
Tip 5The mouth-ears: It's what works best. Your friend has a friend who is looking for a house .
Tip 6Read the ads: Some people place ads advising they are looking for homes.
Tip 7Make-assessed by a notary: First of all if you do not want to go through an intermediary do evaluate your home, you do not sell then a less expensive it is worth.
Make signs: you put at the entrance of your subdivision, your street and your home.
Source: www.lereflex-agencesimmo.net
Makassar Properti- Tips in selling property
- Preparing sales. Vendor should prepare the property you want sold, such as the condition of the property in a state of neat, clean, well maintained on the outside and inside. Because the first impression the buyer will be better prospects. So that can add value to sell property.
- Survey property prices. Vendors can survey the property sales price to a few Property Agent famous, from the property price, the vendor will get the sale price enter the property. Usually the property price will be matched with transactions that never happened. Pricing depends on the conditions that exist such as the type, location and period of time to market.
- Determine Property Agent. Choose a reputable property agents and professionals in their field. Usually the agent will explain in detail, such as the type of agreement, price, promotion programs to be run, tax sales, administrative costs notasris / PPAT and commissions for agents. Make sure the agent you choose to provide the optimum selling price and best service.
source: www.cosyproperty.com
Housing finance: personal loan or mortgage
Housing finance: personal loan or mortgage?
Reply to goods
Borrow from the bank is a serious decision, especially if the amount requested is very high, because you have to return it and also with interest. Therefore it is important to know the different financial products that are financial institutions, and pick the one that best suits the specific needs of each client . Banks offer many different possibilities, but two are the most common loan products:
On credit, is a form of financing by a bank available to a person or company a certain amount of cash. Interest is paid only by the amount that actually was used.
The loan, you pay interest for the full amount, which is fully available to the client of the bank from the outset. Who requested this financial product needs, as a rule, all the money requested for the purchase or expenditure to be undertaken. If the debt is not returned on time and with interest, the owner responds with personal property. A specific form of the loan is the mortgage, which is commonly used for purchasing a home. In this case, housing that is acquired is the good response of the loan, ie good "mortgage." The bank knows it can keep the house, after conducting the appropriate legal proceedings and thus settle the debt.
Do not be fooled: he asks for a personal loan with no mortgage also meets your assets in case of default . If a customer defaults, the bank may request the seizure of their possessions to cover the debt. But this may be more laborious and difficult for the bank, because he is supposed to find the debtor's assets. And there are many people who change the ownership of what they have to get rid of attachments.
In a mortgage loan , if the bank were to keep the mortgaged property and sell it to pay the debt, the customer would still have to answer for the amount of money that would not be covered, if necessary. In recent years, with the steady increase in housing prices experienced this situation has been unusual. If it was time to seize the house to retrieve the loan, the bank had a house that had gained a lot of money and could be auctioned to recover the money. In fact, estate agents used to reassure those who ventured to buy a house and not had all along, assuring them home soon so the price would rise, if passed in a hurry, they could sell it to pay the debt with the bank and still earn money.
In fact, for quite a few years, this has happened but now the situation has changed dramatically. As housing and do not rise in price, if you can not pay the monthly mortgage, even selling the house does not always get enough to cancel the debt. Some owners are forced to sell your home worth less than the buying, to remove at least part of the mortgage but still have a debt to the bank. This is one reason why banks have started to limit the amount of mortgages granted, which reached 80% of the value of the house. Offset ", then ask for a personal loan?
The key is in the interests
The answer is no: a personal loan is the ideal alternative to the mortgage. The mortgage loans are referenced in most cases the Euribor , and the payment of interest will depend on the value reaches this indicator. Euribor is an acronym of European Interbank Offered Rate, European interbank interest rate at which banks lend money to each other. The European Banking Federation is responsible for calculating its value by the average prices of 64 major European banks. The Euribor is calculated on a day, week, month or year. Which is used to calculate the interest of many of the loans in Spain which is referenced to a year.
From level that reaches the Euribor , adds a certain amount, which will set the interest rate paid on the loan. In mortgage lending before the crisis it was normal that the rate of interest charged is lower than the Euribor plus one point. The best deals appear in the online banks, with interest rates up 0.40 points over Euribor. ING Direct currently offers an interest rate corresponding to Euribor plus 0.55 points, while the online bank BBVA offers Euribor plus 0.45 points.
The personal loans have, in most cases, a rate significantly higher. Even in the case of loans for small amounts, is not the case requested a loan to purchase a home, "in which the interest may be even zero, the costs of opening and cancellation may incur a cost in practice relatively high. Generally, interest rates on loans are around 8% annually, far from the Euribor, despite the escalation that suffered during the summer this index and that seems to begin to bottom out. For example, the Bancaja offers an APR of 8.61% and Caja Laboral has an unsecured personal loan commitment fees at an interest rate slightly above 7%, although restricted to its customers or those domiciled payroll.
Article published in Consumer Eroski = http://www.consumer.es/web/es/economia_domestica/finanzas/2008/10/31/181109.php
Source : http://www.rankia.com/articulos/210344-financiar-vivienda-prestamo-personal-hipoteca
Characteristics of a Healthy tiny homes
a. Physiological factors home
If we refer to the small house it can be ascertained that the building area is not too wide they will be less than 150 m2 with an average area of 30 m2 - 54 m2. As for determining the quality of a healthy home Susenas refers to data that is there are 14 parameters that must be addressed:
1. The location of safe houses, not flood-prone
2. Occupancy is not too dense
Tupasi (1995) suggested that the density of housing that many big plays in the incidence of ARI as if in a room more than three persons, the amount of children exposed to the risk of respiratory infection are 1.2 time.
3. This type of cement floor tiles, ceramic or wood
Floor of the house must be higher than the face of the land to keep the floor dry.
4. Adequate lighting
The entry of natural lighting (sunlight) into the house. Therefore, pay attention to home design to attempt entry access to sunlight.
5. Ventilation
At the tropics, each person requires air air 500 lt / hr to 1500 lt / hour. Air requirements can be met by taking into account the ventilation holes in the house they will be with the following calculation:
Q = K. A
Where: Q = Volume of air in the room
A = Area of vent
K = coefficient (0.6 - 0.8 for wind direction ventilation), (0.3 - 0.4 for the direction the wind comes angle of 45 degrees)
Image source: www.ideaonline.co.id
6. Provision of clean water
Source of good water from pipe / PAM, protected springs, wells and hand pumps protected well. If wells are not protected will undoubtedly hygienic water.
7. The distance between the source of clean water with a septic tank is more than 10 meters
This needs to be considered for sources of clean water is not polluted with dirty water.
8. Toilets are available in the house
Each house is required to have a place pembungan own excrement for, clean, not to a toilet is used by some houses (families) are nearby.
9. WC, clean
10. The existence of a closed channel for the disposal of waste water
11. State sewer line that flows smoothly, not stagnant
Standing water can become breeding grounds for mosquitoes nest. How to solve this problem is by making ditches / gutters so water can flow.
12. Proper waste management
The location of the dump away from the location of residence or can also take advantage of waste they will be composted. Garbage not disposed of carelessly like to a river.
13. There is no air pollution around the house
Planting vegetation is one alternative to keep the home from air pollution because of its function which is able to produce oxygen, absorb pollution, save water and create shade.
14. Use of electricity / gas as cooking fuel.
Not using a charcoal / coal because it will cause air pollution in the form of smoke. Impact of indoor air pollution is more dangerous because of the influence of temperature, humidity, and closely related to bacterial growth mycrobacterium, tuberculosis, streptococcus, pneumonia, etc..
b. Hygiene factor
Healthy home will not be formed without the intervention of their inhabitants. Therefore there are 10 things to do the occupants of the house to keep awake health, namely:
- Cleaning the house and the yard every day
- Maintain cleanliness of the bathroom every day
- Disposing of waste in place
- Get adequate natural lighting inside the house
- Cultivated wall light
- Arrange items neatly home
- Doing the greening of the page
- Bathtub drain
- Burying junk
- Opening the bedroom window each morning and afternoon
Field and Neat In White Bedroom
Cool with plants in front of the house
Moreover, indeed, his home park is supported * with the quality concept that seems at the terrace of his house, therefore it's acceptable if paired with lush plants.
"My husband was pleased with the quality concept. Therefore our core concept was created in accordance with a gate on the porch," said the woman born in Bandung, 11/12/1963.
Garden Home - Fitri is indeed stuffed a diffusion of tropical plants ranging from flower-pandanan pandanus species, vines, bamboos species, up to a mini elephant grass. Not solely full of lush plants, the garden is additionally embellished with dozens of ornamental plants are deliberately hanging in several places. Dozens of hanging plants, the recognized Fitr, done as a results of there was no land left for kind of those ornamental plants.
According to him, the solution is to point out hanging plants. additionally to beautiful, this technique additionally saves in terms of soil and treatment. Not solely that, it additionally creates a fun atmosphere as a results of it'd provide another color to the garden.
For his front garden is not monotonous with inexperienced color of plants, intentionally Fitri red coloring pillars in front of the house. Pillars of the red color into utterly totally different accents at intervals the park. at intervals the park additionally provided the gazebo at the corner of the house. (Meliana bory-TribunTimur)
Determining the Market Value Assessment Home
Real estate agents will usually conduct comparative market analysis (CMA). Assessment of the law in most states allow real estate agents to make CMAS without permission or certified appraiser. A CMA is an important part of preparation for the listing agent and consists of checking the sale of property in the area to arrive at the list price. The reliability of the CMA depends on the experience of agents and property characteristics. The agent will suggest a selling price to the seller based on the analysis. However, neither the seller nor the agent are bound by the results of the analysis, and agents are not required to follow a formal procedure in completing the CMA. If the seller wants to list properties at a higher price than the price suggested by the agent, the agent may be forced to accept a list of prices or risk losing a commission.
Buyers believe that they are getting a good deal if they make a bid lower than the price listed. But how far above the market value of listed properties: 10%, maybe 20%? An agreed price is 10% lower than the listed price, on a property that was recorded at 20% above its value, not cheap And, the agent can not tell the buyer that the price offered is higher than the value, or even higher than their own CMA. In most countries, they must submit bids to the seller.
The seller may want to order a property appraisal before listing the property. Of course, the cost assessment is always wary, especially if the seller knows that the buyer will pay for it when applying for credit. But the appraisal is often justified. The seller could lose sales if the property was appraised for less than the selling price as assessed by the lender or buyer's appraiser.
source: www.loanexpo.com
Why do you need with a appraisal?
- because the lender requires it,
- to reduce your tax burden,
- to help you create one of the largest financial decisions in your life,
- provide a negotiating tool when purchasing real estate,
- to determine a fair price when selling real estate,
- to protect your rights in cases of criminal prosecution and
- to allow you to get a valuation report from the appraiser qualifications of quality.
- because government agencies such as the IRS requires it or because you are involved in a lawsuit. Source : www.loanexpo.com
Why is it important real estate appraisal?
Considerable research for collecting general and specific data must be accomplished before the appraiser can arrive at a final opinion of value.
Due to the many types of value, such as Fair Market Value, Insurance Value, Tax Value and Value In Use, the need to precisely define the purpose of the appraisal is readily indicated.
Tips-3 applied the general approach in appraisal
- Cost Approach to value is what it would cost to replace or reproduce the improvements as of the date of the appraisal, less the Physical Deterioration, the Functional Obsolescence and the Economic Obsolescence. The remainder is added to the Land Value.
- Comparison Approach to value makes use of other "bench mark" properties of similar size, quality and location that have recently sold. A comparison is made to the subject property.
- Income Approach to value is of primary importance in ascertaining the value of income producing properties, has little weight in residential type properties. This approach provides an objective estimate of what a prudent investor would pay based upon the net income the property produces.
Tips - Bidding House Prices
For those who want to buy a house make sure you get the appropriate price, not to actually get a house with an expensive price but limited facilities. There are separate tricks that you can apply to get a reasonable house prices.
- Condition of houses should you look carefully.
- Find information about how long the house was offered for sale. With this information you will get a picture of the response of other prospective buyers.
- Find info about the price of the house has to offer and compare it with the price of some houses nearby. Was close to the same or not?. Surely you must compare with a similar type house, and by knowing the average house price in the area, then you can easily determine the bid price.
- Find information about the reasons why the house was to be sold, so you can determine the first offer price.
Tips for Choosing a Real Estate Agent
Some factors that need to be considered in selecting an agent property owners are:
- Property agents who have registered institutions and licensed business.
- Having a record of achievement and good deals
- Having a broad network
- Full support of an absolute got a property agent from the agency business, in cooperation with institutions of law, appraisal, advertising, and the Bank.
- Must propfesional. Clearly understands the needs of property owners
- Know the area / location of property owners well, such as facilities that may be required.
- Have access to listing data information that is always up to date.
- Having knowledge in finding the right property.
- Helps to calculate the cost of the purchased property improvements if the property is in poor condition or a second property.
- Having a sense of the need and satisfaction in the transaction.












