Bandar Udara Kota Makassar

Bandar Udara kota Makassar merupakan salah satu Bandar Udara Internasional yang terdapat di Indonesia. INGIN BERIKLAN di Situs ini? Kontak : iklan@makassarproperti.info

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.

Showing posts with label Tips Properti. Show all posts
Showing posts with label Tips Properti. Show all posts

Mari bangun rumah sendiri

Salam Makassar Properti.

Hari ini saya ingin berbagi sedikit tips tentang membangun rumah sendiri.  Sebenarnya, cara membangun rumah tidak sesulit yang dibayangkan orang kebanyakan, asalkan kita tahu hal-hal yang perlu dipertimbangkan.
Pertama adalah lokasi.  Faktor lokasi ini juga akan berpengaruh terhadap faktor biaya yang perlu dipersiapkan untuk membuat rumah idaman Anda.  Semakin strategis lokasinya, semakin tinggi pula biaya yang harus dipersiapkan.  Untuk itu, faktor lokasi perlu dipertimbangkan untuk menentukan apakah nanti kita bisa membuat bangunan yang sesuai dengan kemampuan kita atau tidak.
Perlunya gambar kerja dan desain yang detil.  Dalam mendesain rumah, Anda bisa saja menggunakan jasa konsultan arsitektur, maupun mendesain rumah sendiri dengan menggunakan bantuan berbagai informasi baik dari buku, internet, maupun dari hasil diskusi dengan pakar yang ahli dibidang desain rumah tinggal.
Jika memang Anda merasa langkah-langkah dalam proses membangun rumah yang Anda inginkan agak rumit, pastikan Anda atau tukang Anda memahami rencana bangunan rumah. 
Tahapan selanutnya yang perlu diperhatikan dalam mempersiapkan bangunan untuk rumah sendiri adalah menentukan material yang akan digunakan.  Material yang nantinya digunakan tersebut merupakan investasi jangka panjang yang perlu Anda pertimbangkan.  Kualitas bahan bangunan yang akan Anda gunakan juga akan berpengaruh terhadap perawatan rumah Anda nantinya.
Hal yang tidak kalah penting dalam mempersiapkan hunian Anda adalah tukang yang akan dipekerjakan.
Jika Anda tidak mengerti sama sekali tentang bangunan, sebaiknya menggunakan tukang yang handal atau jasa konsultan.

Itulah sedikit tips dari kami, semoga bermanfaat.
Sumber : harian fajar
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TIPS PROPERTI: Pilih Sofa Tanpa Sandaran


Sofa tanpa sandaran tidak hanya berfungsi sebagai tempat duduk, tetapi juga dapat berperan mengurangi kesan sempit pada ruangan.

Bentuknya yang simple, tanpa sandaran, dan lebih kecil dari sofa biasa membuat sofa ini fleksibel penempatannya. Sofa tanpa sandaran dapat di tempatkan diruangan yang bernuansa formal, ruangan keluarga, hingga ruangan perkantoran.

Kepada Harian Jogja, Kamis (15/2), F Christian J. Sinar Tanudjaja, 52, arsitek dan desainer interior Universitas Atmajaya Jogja, menjelaskan jika sofa tanpa sandaran merupakan perkembangan produk minimalis, yang cocok dipadupadankan dengan berbagai konsep ruangan.

Karakter minimalis inilah yang membuat sofa tanpa sandaran juga sangat cocok dipergunakan di ruangan sempit sekalipun, terutama pada perumahan di tengah kota karena tidak memakan tempat.

Peletakannya pun cukup mudah. Dapat diletakkan di tengah ruangan, ataupun di sisi pojok dan pinggir. “Sofa tanpa sandaran sangat tepat untuk mempertegas kesan luas pada ruangan,” kata Christian.
Selain diperumahan, sofa tanpa sandaran juga dipergunakan di kafe, perkantoran, salon, khususnya di ruangan tempat orang menunggu. Bahannya yang terbuat dari busa dan bahan-bahan yang lembut akan menambah kenayamanan sofa tanpa sandaran.

“Memang kenyamanan sofa tanpa sandaran ini tidak terlalu nyaman, namun dapat dipergunakan oleh semua orang yang memiliki bentuk tubuh berbeda–beda,” tambah Christian.

Secara psikologis memang sofa tanpa sandaran tidak dapat dipergunakan secara maksimal selayaknya fungsi sofa sandaran pada umumnya. Posisi badan akan lebih terlihat tegap, dan memungkinkan orang untuk melakukan aktivitas lainnya. Oleh sebab itulah, banyak orang yang mempergunakan sofa tanpa sandaran sebagai tempat duduk sementara di kala menunggu.

Warna

Untuk menyerasikan sofa tanpa sandaran ini dengan ruangan sangatlah mudah. Sama halnya seperti sofa pada umunya, pemilihan warna sofa tanpa sandaran dapat menyesuaikan dengan warna ruangan. “Lihatlah warna yang ada disekitar. Konsep pemilihan warna baiknya tidak sama dengan warna ruangan. Warna sofa dapat lebih gelap,” kata Christian.

Warna sofa yang sama dengan cat tembok akan membuat nuansa menjadi jenis. Pilihlah warna yang gelap namun bukan warna hitam. Kendati demikian, ada pula yang nekat memadupadankan warna-warna cerah dengan hitam, bahkan dengan warna yang sangat menyolok.

Biasanya warna akan membentuk karakter ruangan, seperti warna kalem yang cocok dipergunakan untuk orang yang lebih tua. Sedangkan untuk warna–warni yang ceria untuk ruangan yang dominan anak–anak.(ali)


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Cara Mudah Menentukan Harga Jual Rumah


RumahCom - Menjual properti memang memerlukan seni tersendiri. Selain harus pandai mencari konsumen, penjual juga harus cermat menentukan harga. Pasalnya properti—yang dijual secara perorangan—tidak memiliki harga baku.  

Menurut Benyamin Ginting, Presiden Ikatan Analis Properti Indonesia (IKAPRI), jika seseorang ingin menjual properti, terutama rumah, ada beberapa langkah yang harus dilakukan:

  1. Lakukan survei lingkungan untuk mencari pembanding, apakah ada rumah sejenis yang ditawarkan di sekitar rumah yang akan dijual. Lihat harga jualnya.
  2. Jika di sekitar tak ada rumah yang dijual, cari di radius yang lebih luas. Hal ini penting sebagai pembanding dan pegangan si penjual.
  3. 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.
  4. Jika secara keseluruhan rumah yang akan dijual lebih baik dibanding rumah pembanding, maka tawarkan harga yang lebih tinggi. Begitu pula sebaliknya.
  5. 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.

“Si penjual harus menentukan harga terendah untuk rumah tersebut (floor price), sementara si pembeli harus menentukan harga tertinggi yang mampu dia bayar (ceiling price),” kata Benyamin. “Di perpotongan antara ceiling price dengan floor price inilah akan terjadi negosiasi, kemudian transaksi (market price).” 

Untuk itu, imbuh Benyamin, penjual jangan menentukan harga terlalu tinggi, karena biasanya calon pembeli pun telah melakukan survei terhadap harga rumah yang dijual di sekitar kawasan tersebut. “Jika terlalu mahal tidak akan ada yang mau beli. Dengan harga yang wajar, pembeli tentu akan datang,” tegasnya.

Namun, jika penjual rumah tidak sempat melakukan survei untuk menentukan harga, kata Benyamin, ada baiknya dia menggunakan jasa penilai properti (appraisal). “Meski demikian, si penilai properti juga akan melakukan tahapan penilaian yang sama,” tukasnya. “Penilai properti dibutuhkan agar pembeli dan penjual bisa memasuki koridor market price.” 

Biaya bagi penilai properti dilihat dari tingkat kesulitan penilaian. Jika hanya sebuah rumah saja, kata Benyamin, biayanya berkisar antara Rp500 ribu - Rp1juta, namun jika kolektif (beberapa rumah) seperti yang biasa dilakukan pihak perbankan, hanya Rp250 ribu - Rp300 ribu per unit. “Hasilnya bisa dilihat dalam satu sampai tiga hari,” kata Benyamin. 

Anto Erawan

Sumber : Rumah.Com dan yahoo.com


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Kiat Mendapatkan dan Mempertahankan Penyewa Properti


Kenaikan harga properti belakangan ini, membuat sebagian orang berpikir untuk menyewa, ketimbang membeli properti. Hal ini tentu berita bagus buat para investor dan pemilik properti yang ingin menyewakan properti mereka.

Untuk itu, PropertyGuru belum lama ini bekerjasama dengan agen penyewaan properti online di Inggris, uPad (www.upad.co.uk), untuk merumuskan beberapa kiat menggaet dan mempertahankan penyewa yang baik. Beberapa tip berikut ini adalah tulisan James Davies, CEO uPad, yang telah lebih dari 12 tahun menyewakan propertinya.

Properti berkualitas akan menarik penyewa yang berkualitas

Properti berkualitas yang baik akan menarik minat penyewa yang lebih baik pula. Makin baik produk properti Anda, maka Anda akan lebih mudah menentukan standar kualitas penyewa. Beberapa karakteristik properti yang diminati antara lain, dekat dengan sarana transportasi, rumah sakit, sekolah atau universitas, dan kawasan perkantoran. Properti dengan karakteristik seperti ini biasanya diminati kalangan profesional. Karakteristik lain yang juga diminati adalah properti yang bersih, rapi, memiliki pelayanan yang baik, serta beragam fasilitas seperti Wi-Fi dan TV kabel.

Tampilan yang baik

Bagaimana menampilkan properti Anda adalah hal integral dengan menemukan penyewa yang baik. Untuk itu, ada baiknya Anda memiliki foto-foto yang bagus. Gunakan jasa fotografer profesional jika diperlukan. Dengan menampilkan foto berkualitas buruk, dapat membuat minat calon penyewa turun sampai 75 persen. Akan lebih baik jika Anda juga menampilkan denah bangunan (floorplan). Saat ini, denah bangunan jadi standar bagi pemilik properti profesional. Dengan menampilkan denah bangunan, Anda bisa menaikkan jumlah permintaan.

Tentukan sudut pandang

Salah satu cara untuk mendapatkan penyewa berkualitas adalah dengan menentukan sudut pandang Anda. Anda tentu tahu properti Anda lebih baik. Dan dengan pengetahuan Anda, Anda dapat menaikkan kualitas dan menonjolkan kelebihan properti Anda. Bisa juga Anda lebih fleksibel daripada agen-agen sewaaan, dengan membuat open house saat malam hari atau akhir pekan. Hal ini akan meningkatkan potensi untuk mendapatkan tenant berkualitas. Dengan menemani calon penyewa melihat properti sewa Anda secara langsung, Anda dapat melihat, apakah si calon penyewa tertarik atau tidak dengan properti Anda.

Izinkan memelihara binatang

Dengan mengizinkan penyewa memelihara binatang, akan meningkatkan permintaan terhadap properi sewa Anda. Biasanya, pemilih hewan peliharaan akan tinggal lebih lama, karena tak semua pemilik properti mengizinkan penyewanya memelihara binatang.

Beriklan di tempat yang tepat

Cara yang paling baik mendapatkan penyewa yang baik adalah menghindari beriklan di tempat dimana kualitas calon penyewa tidak diketahui. Jika properti Anda diiklankan di situs-situs profesional, maka biasanya kualitas calon penyewa lebih baik.

Bagaimana Mempertahankan penyewa yang baik?

Jika Anda memperlakukan penyewa dengan baik, mereka tentu akan menghormati Anda, memelihara properti Anda, dan menyewa lebih lama. Memperlakukan dengan baik, artinya memperbaiki kerusakan properti dengan cepat, termasuk menempatkan beberapa barang yang membuat properti Anda lebih menarik untuk dihuni. Pemilik properti yang menghargai penyewa akan menghadirkan relasi yang baik antara pemilik dan penyewa properti.

Ada beberapa tip yang bisa dilakukan untuk membangun hubungan baik dengan penyewa:
  • 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.

Anto Erawan
Sumber : Yahoo.com dan Rumah.com

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Rumah Bergaya - Minimalis, Elegan, Natural





Membangun rumah bergaya minimalis tidaklah terlalu susah. Jika memang niatnya membangun rumah bergaya minimalis sudah dibulat, semua gaya yang ada dipikiran juga bergaya minimalis.

Minimalis memiliki kaitan erat dengan pola pikir dan gaya hidup. Sebuah cara pandang baru dalam melihat desain sebagai refleksi cara hidup masyarakat urban yang serba praktis, ringan, efesiensi, dan penuh kesedernahaan.

Sama seperti kata dasarnya, gaya minimalis menganut prinsip serba minimal. Tidak deretan pajangan yang memenuhi rak atau dinding yang penuh dengan bingkai foto dan lukisan.

Semua barang yang ditempatkan di ruangan hanya yang dibutuhkan. Perpaduan warna cat yang lembut membuat rumah tampak elegan. Warna cat sangat menyatu dengan rumah minimalis.

Dekorasi dan penataan barang di dalam rumah sangat apik. Suasana di dalam rumah tidak terasa sesak.

Semua perabot hampir warnanya diserasikan dengan motif tegel lantai dan warna cat dinding. Semuanya terasa menyatu dan sangat estetis.

Di dinding luar tiang ditempeli batu alam yang ditata sedemikian apik. Batu alam ini akan membawa suasana alam ke rumah.

Terlebih lagi halaman rumah hampir dipenuhi dengan bunga yang tumbuh subur.

Seperti itulah yang tampak pada rumah pasangan suami istri Haryono dan Andi Putriani di kompleks Makassar Town House Jl. Hertasning, Makassar.

Rumah ini dibangun pada 2007 dan mulai dihuni pada 2008. Gaya ini memang sesuai dengan selera dan impian pasangan suami istri ini.

“Saya memang suka dengan gaya demikian. Sangat tepat rasanya saat mendapatkan rumah di Makassar Town House. Rumah yang menjadi impian saya sebelumnya ini mulai dihuni 2008,” kata Haryono, Sabtu (30/7).

Munculnya tren rumah bergaya minimalis dalam lima tahun terakhir mendorong Haryono untuk memilih gaya minimalis. Pemeliharaan gaya minimalis membuat rumahnya tersebut tampak lebih simple dan sederhana, namun elegan dan menarik. (edi sumardi) sumber : Koran Tribun Timur Makassar

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How to Heat Your Home

In winter, when temperatures just below freezing, one of the major issues in the home to keep warm. and when you are going to use energy in the winter to reduce carbon dioxide emissions by major cause think about if you take a step towards reducing want to find a way to heat your home with. winter heating is a common activity that every one wishes to use a fireplace or indulges in a room by using the heater, heating our homes and at times want to keep warm than it is required. There are many factors that we do not pay attention to when we have a comfortable time inside want. but they are extremely important and we must pay attention before too long.


So, how do you heat your home and can not add carbon dioxide emissions. Many people do not think these lines, but we are conscious about the environment, we should think about their homes. This time, solar or wind energy for heating is very expensive and can be made ​​for that.

Steps 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.

With these methods you certainly can keep your home naturally warm and electric heaters or fireplaces you only can use it is essential. inside and groups living in a nice room to keep heat might be the way. in the winter to keep your home warm and lively if you just can take appropriate action. step up and tell people regularly yet very effective when it comes to keeping us warm. (source:tipdeck.com)

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Real estate software

Activimmo is a real estate software specially designed to provide real estate agency in performing an IT solution for the tasks related to real estate transactions.

This software enables real estate agents to quickly obtain productivity gains by automating tasks such as:
  • 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
 LIST OF immobiliersS Software


source : http://www.lereflex-agencesimmo.net
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7 tips to sell your house quickly

You have a home you want to sell as quickly as possible? You do not know how to do it is sold at the best price as quickly as possible? Here are 7 tips to sell your house quickly:

Tip 1
Use 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 2
Advertise 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 3
"Put ads in stores near you.
Tip 4
The mouth-ears: It's what works best. Your friend has a friend who is looking for a house .
Tip 5
Read the ads: Some people place ads advising they are looking for homes.
Tip 6
Make-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.
Tip 7
Make signs: you put at the entrance of your subdivision, your street and your home.

Source: www.lereflex-agencesimmo.net

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Makassar Properti- Tips in selling property

Makassar Properti.  There are a few tips in selling the property, among others:

  1. 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.
  2. 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.
  3. 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

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Housing finance: personal loan or mortgage


Housing finance: personal loan or mortgage?

makassar-properti.blogspot.com.  Buying implies for most debt for many years, if not a lifetime. The formula for financing a home is the most common home loan , though, why not hire a personal loan? The conditions for granting no different from those of the mortgage, and in case of nonpayment of fees, the bank has more difficulty to collect the debt (mortgage, the debtor's home is the collateral, and passes to the bank speed). However, there seems to be the ideal home loan because its repayment period is lower and much higher interest.

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

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Characteristics of a Healthy tiny homes

The playhouse becomes a place for people living alternative middle and lower because the price is cheaper and easier maintenance than a large house.

To meet the criteria of a small house a healthy home is determined by physiological factors is the physical form factor of the house and its inhabitants healthy behavior

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:
  1. Cleaning the house and the yard every day
  2. Maintain cleanliness of the bathroom every day
  3. Disposing of waste in place
  4. Get adequate natural lighting inside the house
  5. Cultivated wall light
  6. Arrange items neatly home
  7. Doing the greening of the page
  8. Bathtub drain
  9. Burying junk
  10. Opening the bedroom window each morning and afternoon


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Field and Neat In White Bedroom

Applications white in the bedroom was clean and airy featuring impression. But to create a comfort, not enough just to field, however should be neat. that is why it feels snug bedrooms, as roomy and neat.



The owners bedroom is sure to have lots of stuff. But incredibly, his room always so neat. Apparently, the owner does have a rather large storage area> the next statement, which the cabinet or shelf, really, is not visible?

That is the greatness of each, all cupboards are made of built ins and terutup neat without the handle.
Because while not a handle, storage cupboards wall was seen as normal, when closed.

Once opened then you may realize a pile of garments and other items.

Present a neat appearance is also supported by the application of white. additionally to strengthening the impression of a neat, white color also gives the impression of airy and bright. making a bedroom feel snug|easier|lighter|more leisurely|more well-off|softer}. Sunlight entering through the window is reflected to all corners of the room by the color white.

So, rather than purely white applications that make the room look clean and airy. Must be followed by our custom trim items that we have as well. Agree? (mel-TribunTimur)

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Cool with plants in front of the house

Lush plant in front porch does not imply that will build homes look the forest. Provided, is organized with an honest trying look will facilitate beautify the front area as a whole.

That is the opinion of Dr. Fitrizki Utami, a lecturer and owner of the park in road macan Makassar. Wife of Irmal Zadaruddin, deliberately manufacture lush tropical gardens and exquisite to seem.

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)

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Determining the Market Value Assessment Home



In the real world, very few individuals order appraisal reports to establish an offering price or to prove the purchase price. At the point of offering to buy (in a typical residential transaction) is made, the price has been set by another party, not the buyer. Prices have been set by the seller, who wants to get the dollar as high as possible, or agents, who receive a percentage of the price as compensation and often represents the seller in the transaction.
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

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Why do you need with a appraisal?


The following are the reasons, why it takes an 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

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Why is it important real estate appraisal?

An appraisal of real estate is the valuation of the rights of ownership, the appraiser must define the rights he intends to appraise.

The appraiser does not create value, the appraiser interprets the market to arrive at a value estimate. As the appraiser compiles data pertinent to a report, consideration must be given to the site and amenities as well as the physical condition of the property. An appraiser may spend only a short time inspecting the property, however, this is only the beginning.

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.
Source : www.loanexpo.com

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Tips-3 applied the general approach in appraisal




Appraisal is an opinion of value or the act or process of valuation. In practice, there are three general approaches that should be done, is obtained from the opinions and estimates that it shall come from the market. The following three approaches:
  1. 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.
  2. 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.
  3. 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.
Then, after thorough analysis of all general and specific data gathered from the market, a final estimate or opinion of value is correlated.

Source : www.loanexpo.com


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Tips - Bidding House Prices


For those of you who want to buy a house make sure you get the price according to what you harapakan. Do not even get the property at a great price but the facilities are not satisfactory. The following tips can hopefully help you.

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.

  1. Condition of houses should you look carefully.
  2. 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.
  3. 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.
  4. Find information about the reasons why the house was to be sold, so you can determine the first offer price.
After getting this information you will get an idea about the standard price and other supporting information for the home you want to buy. Armed with this information, do the bidding price to the owner. Tawarlah with prices that match or approach market prices, and to reach agreement you are required to jelly and have the ability to negotiate.

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Tips for Choosing a Real Estate Agent


Agents property or so-called real estate broker is a mediator between buyers and sellers of property. The number of properties from a professional agent to start a new business property, currently very much. If you choose the wrong real estate agent would be fatal and cause you loss. Therefore, selective in choosing a real estate agent is absolutely necessary, so that cooperation can be mutually beneficial.

Some factors that need to be considered in selecting an agent property owners are:
  1. Property agents who have registered institutions and licensed business.
  2. Having a record of achievement and good deals
  3. Having a broad network
  4. Full support of an absolute got a property agent from the agency business, in cooperation with institutions of law, appraisal, advertising, and the Bank.
  5. Must propfesional. Clearly understands the needs of property owners
An estate agent must have basic skills as below:
  1. Know the area / location of property owners well, such as facilities that may be required.
  2. Have access to listing data information that is always up to date.
  3. Having knowledge in finding the right property.
  4. Helps to calculate the cost of the purchased property improvements if the property is in poor condition or a second property.
  5. Having a sense of the need and satisfaction in the transaction.
Screened from various sources.


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