Posts Tagged ‘Swimming Pools’

by Steven Vance

My Temporary Apartment


Image by digitalsadhu
I rented this apar

I rented this apartment for 500 baht / day for 3 weeks.

The discussion surrounding the “American Dream” of home ownership has been all the buzz in recent months; many experts weighing the pros and cons of both. It seems “the dream” is not what it used to be, nor is it a realistic goal for many. For those considering renting as an alternative to buying in New Orleans here are a few good reasons in favor of renting:

1. Credit: A home mortgage is sometimes not an option for those of us with less than great credit. It’s interesting that apartment renting can actually build up poor credit and should be considered an investment in your credit rating.

2. Yard Care & Maintenance: If you have a small family or busy career, you have little time to devote to lawn care. Apartment managers keep the community grounds clean and attractive with no additional fees from you, the renter.

3. Amenities: An apartment community may have amenities that are attractive benefits in convenience and in less bills to you. Covered parking, access gates, swimming pools, tennis courts, high-end shared entertainment lounges, dry-cleaning and concierge services, and rooftop BBQ patios are just some extras offered at some communities that are all included in your rental rate.

4. Freedom: Renting an apartment offers you the flexibility of moving across town or across the country as life changes. Career changes or growing family can be accommodated quickly with the freedom that renting allows.

* 4 1/2: If something breaks-inside or outside – it’s the landlord’s (our) problem, not yours!

The decision to rent or buy is a personal one that depends on several factors-some quantitative, some qualitative and even psychological. This handy calculator offered by the NY Times can help with the quantitative part. But this is only part of the decision.

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by dcmaster

The Apartment


Image by MShades
This was the apartment we rented for the week. It’s in a great location – very central, and reasonably quiet. But it was kind ofl ike summer camp. Five people, no doors, one bathroom, and none of the sleeping areas had more than five feet of head clearance. Certainly an adventure…

Torrevieja Apartment for rentals on Costa Blanca with Aircon , Shared Pool , Landscaped Gardens

Set in a quiet residential area yet only 10 mins from bars & restaurants

Sleeps up to : 4 (2 bedrooms)

Dream Hills Urb / Development

Nearest Beach : Playa Flamenca / Torrevieja – 5 km

Torrevieja Apartment Description :

The property is managed by a local British representative who will happily meet you at the apartment or collect you from the airport for a small charge. We can also arrange a small welcome pack. Casa Anna is located in a quiet residential area with 2 swimming pools, bars and local restaurants and only 10 mins away you will find the nearest beach of Playa Flamenca which boasts one of the best beaches on the Costa Blanca. The local markets are a must for any bargain hunter, or to pick up the local fresh fruit and vegetables.

There are lovely parks nearby for that picnic under a shady tree where you can play boles or just relax. Information about the local and surrounding areas is available at the apartment including information on Golf Courses.

Torrevieja Area :
Torrevieja boasts some splendid beaches, and access to 20+Golf Courses

Located in the East of Spain ( Valencia Region ) within the province of Alicante on the Costa Blanca

Airport : Alicante – 20 km

Beach : Playa Flamenca / Torrevieja – 5 km

Alt Airport : Murcia – 20 km

Facilities for this Torrevieja Apartment Rental :

General Airconditioning, Heating, Bed Linen Provided, Towels Provided, Safe

Kitchen Hob, Oven, Microwave, Toaster, Kettle, Fridge, Freezer, Dishwasher, Washing Machine,

Fully equipped fitted kitchen with dishwater, Microwave; washing machine; coffee machine; cool bag and ice packs; plastic crockery for your beach trips.

Entertainment TV, Satellite/Cable, English Channels, DVD Player, CD,

Living Room

Seating for 6.

Dining Area

Seating for 4.

Torrevieja Apartment – Accommodation :

2 Bedrooms - Twin Bedrooms (1), Double Bedrooms (1),

1 Bathrooms - 1 Bathroom. ,

Torrevieja Apartment – Outside Facilities :

This Torrevieja rental apartment benefits from a Shared Pool, Children’s Pool, Communal Garden, Balcony, Roof Terrace, Parking, Garden Chairs, Sun Loungers

Patio doors from dining room leading to patio area with table and chairs. Steps leading up to sun terrace with loungers/table/chairs for lazing in the sun and a pagola for those shaddy moments when it all gets too hot, also a shower on the terrace for cooling down. Please take into consideration that this is a residential area and therefore noise levels must be kept to a minimum. Quiet residential street with trees and plants,within easy reach of bars and restaurants. Lovely walks to the shared swimming pools, with grassed areas, children’s play area and even a game of boles if you are feeling energetic!

Further Details (for this Apartment in Torrevieja on the Costa Blanca in Spain)

The Costa Blanca or “white coast” is situated to the north and Costa Del Sol in the south, and is within the region of Valencia with the warm Mediterranean on its shores. This region of Spain has an average of 320 sunny days per year and excellent all year round temperatures.

Torrevieja / Dream Hills Area: Our apartment is in Los Altos, 10 minutes drive from Torrevieja and its many sandy beaches, coves, top class golf courses and is within walking distance to a choice of bars, restaurants and shops. Torrevieja is located south of Alicante next to the crystal clear waters of Spain’s Costa Blanca and surrounded by two large natural saltwater lakes. It is 47 km from Alicante, the provisional capital, and 35 km form the airport “El Altet”. This region of Spain has an average of 320 sunny days per year and excellent all year round temperatures. Together with the inexpensive flights to either one of its airports, Alicante or Murcia, this area of Spain is fast becoming Europe’s most popular golfing and beach holiday destination. The attractive sea front is a string of secluded inlets, beaches of golden sand, well-cared for residential districts and two quiet marinas.

…. From the north to the south a lively inlet and an open beach, both with full facilities and a well-cared for promenade, are followed by a series of small inlets with clear waters ideal for diving. The beaches are not the only attraction the area has to offer, as in addition there are three 18 hole Golf Courses (Real Club de Golf de Campoamor, Club de Golf Las Ramblas and Club de Golf Villamartin) within a radius of 3 km, all three are excellent golf courses of international prestige. There are numerous restaurants that provide cuisine for all tastes, from traditional Spanish Tapas to the delights of Italian, French, Chinese, Indian and Mexican food. With its warm climate, friendly people and countless amenities Torrevieja makes the perfect location for a holiday.

How to get there: EASY STRAIGHT FORWARD TRAVEL- VERY GOOD ROADS AND WELL SIGNPOSTED. From Alicante airport take the N332 south towards Cartagena for approx. 35km. From Murcia airport take the autopista AP-7 north for approx 20km. The apartment is 10 mins fromTorrevieja, towards San Miguel. Further directions available when booking confirmed. * Recommended web site: www.travelsupermarket.com for flights and car hire.

Guest Book: Just thought I would drop you a line to say that we had an absolutely great time at your apartment. The apartment itself was everything we needed and more, we didn’t want for anything and so convenient to Mike’s parents – about 3 mins walk away. We would certainly have no hesitation in asking you for availability should we need one again. once again thanks. Teresa & Mike. July 2008. – April 2008. We have just returned from a lovely relaxing time at Anne & Paul’s apartment, I would like to thank A & P for arranging the fantastic weather !, which always makes a difference. The pagola on the sun terrace was a god send and the additional touch of the beautiful flowers was lovely. Thanks to Anita & Colin and their neighbour Janet who were all very helpful and only live across the road, so we had very helpful information about the surrounding area and places to visit. Will def be back and will be speaking to Anne shortly to arrange our next stay. Gemma & Paul, Hereford.

Rent Torrevieja Apartment Suitability : All of the Family, Children Welcome, Suitable for the Elderly and Infirm, Long Term Rentals Welcome, Car Recommended

Unfortunately the apartment is not adapted for wheelchair access, pets are not allowed, no smoking is allowed inside the apartment.

Rent apartments in Torrevieja , Dream Hills to benefit from and other luxury facilities

Rent Torrevieja apartment near to these local activities: Cycling, Fishing, Golf, Horse Riding, Sailing, Surfing, Swimming, Tennis, Walking, WaterPark, Wind-Surfing,

Please bring your own beach / pool towels.

Contemplate renting Torrevieja apartments on the Costa Blanca as a great location to enjoy this fantastic holiday Coastline . Rent Torrevieja apartment of several styles and sizes at this holiday resort.

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The Mediterranean island of Crete is a favorite for Europeans who are looking for a second home, vacation spot or retirement haven. It has year round sunshine and beautiful scenery, and is currently undergoing a development boom. Crete has over 1,000 kilometers of coastline, is the largest island in Greece and the fifth largest in the Mediterranean, and is important historically as the home of the Minoan Civilization and has many archaeological remains for visitors to see and explore.

Crete, approximately 160 kilometers south of the Greece mainland, has a population of nearly 650,000 residents, who mostly reside on the north coast of the island. A long mountain chain runs through the island, coming right to the sea along much of the southern coast, where there a number of smaller towns and beaches. The climate is temperate, with summers long and hot and winters mild. During the winter, snow falls in the mountains, and occasionally along the northern side of the island but rarely on the south.

The largest city on the island is Heraklion, with nearly 150,000 residents, followed by Chania, with 54,000 residents and Rethymno. Chania and Rethymno are the most popular destinations for tourists on the western part of the island. On the eastern half, Heraklion is the business and commerce capital of the island, with Agios Nikolaos and Sitia being popular tourist destinations.

In between Heraklion and Rethymno is the small town of Panormos, where a new home development is under construction. Panorma Seafront homes all have sea views, shared or private swimming pools and are located within 50 meters of the sea. Homes here begin at under ¬70,000 for a 1 bedroom property, while 3 bedroom houses can run over ¬200,000. This development is a fine example of the type of property available off-plan and nearly new on this idyllic island.

Chania is the major tourist destination on Crete. It has many resorts as well as the scenery and weather that Crete is known for. Chania has some of the best nightlife on the island, in the capital city of Chania Town and at resorts such as Platanias and Paleohora. The Golden Beach is within walking distance of downtown Chania and provides a sandy beach for those who want to stay in this lively city

The main airport for Crete is Heraklion International Airport, also known as Nikos Kazantzakis International Airport (HER), which serves many UK and European cities with daily, nonstop flights. The other international airport on Crete is Chania International Airport (CHQ), serving the western part of the island. A number of discount airlines fly to both airports, making it a reasonably priced destination. There are also ferries that travel to and from the Greek mainland, often taking an overnight for the trip.

La Manga Club offers a wide range of privately owned villas and apartments. There are about 20 different self catering communities located on La Manga Club, which is set on about 1500 acres in the breathtaking Murcia hills. Murcia airport is conveniently located about 20 minutes away by car and the busier Alicante airport is located 60 minutes away.

The property for sale on La Manga Club is available through various estate agents located in and around La Manga Club. The properties start at one bedroom studio apartments up to seven bedroom villas with private swimming pools and some even have their own private tennis courts. Wherever you decide to buy on La Manga Club you will have access to some of the best sporting and leisure facilites in Europe. With 3 great golf courses, 28 court tennis centre, cycling, horse riding, lawn bowls, squash, spa, childrens club, along with football, rugby, and dance academies. La Manga Club even has its own private beach.

Although all properties are fully equipped and furnished for a self catering holiday, there are are two supermarkets on La Manga Club and over 25 restaurants and bars. Within the nearby town of Los Belones there are a further ten or more restaurants, so you will be spoilt for choice.

There are many things to consider when buying your property for example you will need to appoint a solicitor to take care of the legal aspects of buying a property for sale. The solicitor will ensure you receive correct title and are legal owner is actually selling the property. There are two or 3 solicitors located on La Manga Club and there are a number of solicitors located in the nearby towns. Many solicitors have links to Uk solicitors so you could appoint a solicitor in the UK to assist with buying your property for sale in Spain.

Many Spanish banks will assist with your Spanish mortgage if required. Please bear in mind that should you decide to take a mortgage from a bank in Spain, then this will be a Euro mortgage and be subject to a different interest rate and also fluctuations in the Euro rate of exchange. Most of the larger banks in Spain have a branch on La Manga Club.

When you have completed on the purchase of your property for sale at La Manga Club you could decide to rent out your property to assist with running costs of your overseas property. Many apartments and villas are in high rental demand all year round and generate significant rental income for their owners.

In addition to the actual costs of buying your property for sale at La Manga Club there are other costs to consider. For example owners of property at La Manga are also responsible for sports rights fees and community fees which pays for the upkeep and maintenance of the actual community that you are a member.

If you would like to receive our free guide to buying a property in Spain please complete the details on the form on this page and we will email details to you along with specific details of property for sale in Murcia, Spain.

The development has 2883, two to four bedroom villas and 3184 one to two bedroom townhouses, built in classic Arabic and Mediterranean architectural styles. These spacious villas and townhouses will have distinctive red roof tiles, arches, carved doors, ornamental spiral columns, patterned tile floors and wall surfaces whose architectural designs follow thematic geometric and floral patterns. Variety forms the central theme of the Jumeirah Village with amenities, landscaping, gardening and the style of architecture, aimed at providing the residents a distinctive feel to the place and making it stand apart in the real sense as a community. Jumeirah Village also hosts world class amenities for its residents including two international schools, town and country clubs, community centre, jogging and cycling trails, community sports and leisure facilities such as football and cricket pitch, tennis courts, croquet lawn and swimming pools, medical facilities and veterinary clinics and round the clock security. The Gardens Shopping Mall, which is taking shape right in the vicinity, will provide the residents of Jumeirah Village, a mix of unsurpassed retail and leisure experience (Made by NAVI Real Estate’s own Marketing Manager, Ari Kamalizad) (Encoded by NAVI Real Estate’s own IT Manager, Ashraf Mirghani)

There are many types of Philippines properties for sale today. Apart from land, which is usually the first thing that comes into mind when we speak of properties, houses are also considered as a type of property (though most commonly known as real estate). In today’s market, majority of properties for sale in the Philippines today are houses.

Other than just the typical house found in the suburbs, usually known as the single-family detached home, condominiums and townhouses are also considered as a type of housing, which are also included to the many Philippines properties for sale in the market today.

Condominiums
Compared to other types of housing, including apartments, condominiums were only recently introduced in the Philippine market. According to many real estate experts, condominiums first became recognized because of its luxuries such as its lifestyle as well as with its benefits. One particular benefit that condominiums became popular in the Philippines with is its location.

Condominiums became popular for its location, which are usually found near or inside major business districts of the Philippines, such as in Makati City and Ortigas, Pasig City. This gives its residents the luxury of living within walking distance or mass transit distance to their workplaces.

Another popular feature of most condominiums today is its amenities. New types of condominiums such as condominium complexes are known for its luxuries such as swimming pools, gyms, spas, and recreational parks that other types of condominiums lack. These new types of condominiums, however, are usually found in the outskirts such as in Novaliches and Taguig, while some are even found in provincial areas.

Townhouses
One of the oldest types of housing in the Philippines, along with apartments, townhouses are still one of the most popular residential Philippines properties for sale. Part of what made it popular in the past and in today’s market is with its luxurious living experience. Townhouses are much similar to the typical house, though smaller for some.

However, what made townhouses more popular today is because of its townhouse complexes. Similar to condominium complexes, townhouse complexes became popular for its amenities such as those mentioned above. The difference between townhouse complexes and condominium complexes are its cost. According to many Filipinos, townhouse complexes are far more expensive than buying a unit on a condominium complex.
For more information visit to our site at http://www.atayala.com

There are many types of homes for sale philippines today. Other than the typical house, other types of residential real estates such as townhouses and condominiums have also became rather popular. The reason why is because these other types of residential real estates became popular is because they hold benefits that houses would normally don’t have. Here are some of its reasons:


Townhouses
The advantage of most townhouses today is its luxury. Most townhouses available in the market today are known for their extravagant exterior and interior. These types of townhouses are also found in areas near business districts, which makes it easier for residents to get to their work. However, what made these types of homes for sale philippines popular is that some are found in large, luxurious complexes.

Townhouses complexes are known for their high security as well as with their resort facilities such as swimming pools, gyms, parks and playground equipment. These places are also perfect for raising a family.

Condominiums
Condominiums have become a very popular type of housing in the Philippines today. The reason for its popularity was with its luxury. Although luxurious, a condominium is usually more affordable than most homes for sale philippines, such as those found in Manila. Another popular reason why condominiums became popular is that most are found inside business districts, allowing their residents to avoid the dreaded rush hour which is a big problem in the Philippines.

Another advantage of condominiums is its amenities. Similar to townhouse complexes, condominium complexes are also known for their amenities such as swimming pools, gyms, parks and playground equipment as well as with their high security.

Disadvantages of owning a townhouse or a condominium
Although townhouses and condominiums are very popular, there are sill several disadvantages to owning one that makes a typical house popular. One is that owning a house gives its owner the rights to change the exterior of their house as they please. Condominiums and townhouses don’t allow such changes. Another popular advantage of owning a house is that it gives the right to be inherited. And unlike owning a condominium, houses are very perfect for larger family whereas condominiums only has limited accommodation because of its size.For more information visit to our site at http://www.atayala.com

Houses are considered as the basic type of housing across the world, even in the Philippines. However, there are certain types of philippines homes which also became popular for many Filipinos. These are townhouses, apartments, and condominiums. Townhouses and apartments have long been known in the Philippines while condominiums were only been recently introduced into the market, yet became very popular in the Philippines. So what do we know about these other types of houses?

Townhouse
A townhouse is a form of multi-unit dwelling in which each floor of a structure, such as a building, is individually owned. Although townhouses have long been recognized in the Philippines as one of the most popular types of philippines homes, these types were first developed in the United Kingdom, Ireland and in many other countries which was used by aristocracy in the capital or major city. Townhouses were eventually introduced in other countries, including the Philippines.

Like in the past, townhouses are still known to provide luxury which is only for the wealthy. Townhouse complexes are types of townhouses which became popular because of its features such its high security and resort facilities such as swimming pools, gyms, and recreational areas.

Apartments
Apartments have long been known across the world. It became because it allowed people to find a suitable residents without having to invest too much money. This is because apartments are usually rented or leased rather than bought. There are many types of apartments in the Philippines today, and one of the most popular are studio type apartments.

These types of apartments are mostly comprised of a small room which is a combination of bedroom, dinning room, and kitchen, while the comfort room has its own room. Studio type apartments are usually the smallest but with the cheapest value. Other popular types are the one, two, three-bedroom apartments and garden apartment complex.

Condominium
Although it was only been recently that condominiums were introduced in the Philippine market, these types of philippines homes rapidly became popular in the market. The reason why condominiums became popular, particularly in today’s market, is that it can give the same type of luxury that townhouses are known for while keeping its price at the minimum.

There have also been talks about the difference of condominiums and apartments. In terms of physical form, condominiums and apartments are very much similar. According to many experts, the same building developed as a condominium could actually be built someplace else as an apartment building. The difference, however, is its ownership. Condominiums are individually owned while apartments are leased or rented to tenants.
For more information visit to our site at http://www.atayala.com

Condominiums, townhouses, and even apartments, are some of the most popular types of housing in the Philippines today. Part of what made these popular is because luxurious lifestyle as well as its affordable from houses. However, there are new types of house and lot for sale Philippines which are becoming more and more popular in the market. These types of are known as housing complexes.

New houses in the market
Houses are usually found in the suburbans, which are places away from the city. Although there are still a number of house and lot for sale Philippines in these places, the numbers are beginning to thin, and those that are found near key locations are mostly occupied and not for sale. Because of these, a number of new types of housing where introduced, such as condominiums and townhouses.

Condominiums and townhouses are found in locations near major business districts as well as commercial areas. Above all, condominiums became popular because of its location, which is inside these areas, allowing its residents the luxury of being within walking distance or mass transit distance to their workplaces.

New types of condominiums and townhouses were also introduced which are found in a more secluded area, such as in provinces and in the outskirts. These types of condominiums and townhouses are called condominium complexes and townhouse complexes. However, other than condominiums and townhouses, the typical house have also been known to provide the same lifestyle that condominium complexes and townhouse complexes are known for. These new types of houses are known as housing complexes.

Like the condominium and townhouse complex, housing complexes are also known for their location, which are usually found in the outskirts. Another is its amenities, such as swimming pools, gyms, spas, and recreational areas. Although housing complexes are much more similar to subdivisions rather than condominium complexes, these types of housing are usually pre-built and sold to new home owners.

One advantage of these types of housing, however, is its affordability. Compared to most condominium complexes and more particularly with townhouse complexes, these new types of house and lot for sale Philippines are usually more affordable, typically ranging from P500,000 to a million Philippine Pesos. 
For more information visit to our site at http://www.atayala.com

What is the best type of house to buy in the Philippines? There are many types of house for sale Philippines today that Filipinos could freely choose from. Aside from the typical house, residential real estates such as townhouses, apartments and condominiums have also been very popular for many Filipinos. So what are the advantages of buying a townhouse, or a condominium unit, or an apartment unit rather than buying a typical house?

Townhouses
There are many advantages to owning a townhouse rather than buying a whole house. Townhouses in the Philippines are typically found in large complexes, complete with resort facilities such as swimming pools, gyms, parks and playground equipment as well as with the highest security. These amenities can be very expensive when installing inside a house. The disadvantage of townhouses, on the other hand, is that most of these townhouses are found outside or in the outskirts of a city, which makes it hard for people to travel back and forth from work to home.

Apartments
Apartments are still one of the most popular type of house for sale Philippines. The reason why apartment units are very popular for many Filipinos was because of its affordability. Popular types of apartments are the studio type, which is basically a small room in which the kitchen, dinning area, and bedroom are combined into one unit (while the restroom is separated from the rest of the room).

Studio type apartments tend to be the smallest type of apartment yet the most affordable. Other types of apartments may cost more such as the one-bedroom apartment, two-bedroom, and three-bedroom apartments. The most expensive type of apartment is the garden apartment complex which is much similar to townhouse complexes. The disadvantage of apartments from houses is that this type of apartments give little sense of permanence.

Condominiums
Condominiums is considered as one of the most popular types of house for sale Philippines today. The reason for its popularity is that it combines the affordability of apartments as well as the luxury townhouses. This is because condominiums offer permanence in residence while offering the same luxury known for townhouses. Although more expensive than renting an apartment, condominiums are much more affordable compared to townhouses and houses. These are the reasons why condominiums are popular with many Filipinos.For more information visit to our site at http://www.atayala.com

There are many types of Philippines property for sale in the Philippines. Some of which are residential spaces such as townhouses, condominiums, and the usual single-family detached home or simply known as a house. Although all of these can provide permanence in terms of residence, each of these types of housing has their own advantages and disadvantages. So what are the advantages and disadvantages of owning a any of these types of housing?

Advantages and disadvantages of owning a houses
The advantage of owning your own house is that you have every right to modify the building and land as you please, although some maybe subject to government, homeowner association, and deed restrictions. Unlike tenancy, which is usually the case with apartments, owning your own house protects you from eviction. It also creates a right to occupation which can be inherited. However, there are several disadvantages to owning a house rather than owning a condo unit or a townhouse.

One disadvantage of owning a house is that the house and the land it sits on are usually very expensive. This depends on its location. Those found in Manila are usually more expensive typically because of its accessibility to major schools in the country as well as major cities and business districts. Those found in the outskirts are usually more affordable. The disadvantage, however, is that these puts its residents in location far from business and commercial districts.

Advantages and disadvantages of owning a townhouse
One major advantage of townhouses is its luxury. Most townhouse Philippines property today are found in large complexes complete with high security as well as resort facilities such as swimming pools, gyms, parks and playground equipment. These types of amenities are hard to come by when looking for a house.

The disadvantage of townhouses, however, is its cost. Townhouses found in these complexes are usually very expensive. Some of which are usually more expensive than buying a house. Some have even said that townhouses are usually only for the wealthy. Another disadvantage is its location. Most townhouse complexes are found in the outskirts, so as to offer peace and relaxation to its residents. However, this made it much harder for residents to get to work.

Advantages and disadvantages of owning a condominium
Condominiums are one of the most popular types of housing as well as one of the most popular Philippines property today. What made it popular is that it can provide the same luxury found in townhouses with only a fraction of its cost. There are two types of condominiums today, there are the condominium building and condominium complex.

Condominium buildings are usually found near or inside major business districts. This allows its residents to be within walking distance or mass transit distance of business and industrial areas of the city. The disadvantage of this type of condominium is that it lacks the luxury that most condominium complexes can provide.

The advantage of owning a condo unit in a condominium complex is its amenities such as those similar with townhouse complexes. The disadvantage of these, however, is that these types of condominiums are found outside of cities.

Looking to buy a house in the Philippines? Well what kind of house are you looking for? Other than the usual type of house, there have also been other types of houses available in the Philippines. Some of the most popular condominiums and townhouses. Townhouse have long been known in the market while condominiums were only recently introduced yet became one of the most popular types of housing in the Philippines.

Other types of houses
Although the typical house is still one of the most popular types of housing in the Philippines, particularly for many Filipinos, the demand for other types of houses have steadily increased which is why condominiums became popular. Today, the number of condominiums in the Philippine market have significantly increased due to the demand for more condominiums.

Condominiums became popular not only because of its luxury but also because of its benefits. Compared to most philippine homes, condominiums are usually found near or inside a bustling business district such as those towering condominiums found in Makati City. This allows its residents to be within close proximity to their workplace, allowing them to avoid the usual hustle or rush hour.

However, other than its location, there have also been condominiums found in the outskirts such as in Novaliches, Taguig, and Marikina, and in provincial areas such as in Tagaytay. Most of these condominiums are known as condominium complexes. Condominium complexes are a type of condominium which is similar to townhouse complexes particularly with its amenities such as swimming pools, gyms, and recreational parks.

The advantage of condominium complexes from townhouse complexes is its cost, which is significantly more affordable to a townhouse. However, townhouses have also been a very popular type of philippine homes, particularly with the wealthy. This is because of its luxury.

Townhouses are known for its luxurious exterior and interior designs which symbolizes wealth. Although there are townhouses found in the suburbs, there are also townhouses found in the same place in which condominium complexes are also found, in the outskirts or in provincial areas. The difference between these townhouses from those found in the urban areas is the luxury of is amenities. These types of townhouses, however, are more expensive than a typical philippine homes or a condominium.
For more information visit to our site at http://www.atayala.com

Spanish property is now more popular than ever, thanks to an increasing trend for getting away from it all, downsizing and the rapid emergence of numerous low-cost airlines.

As they say, ‘timing is everything’ and currently timing is excellent. European interest rates are low and the choice of property is superb ranging from stylish apartments to farmhouse (fincas) and charming village houses in rural locations full of character – not forgetting luxurious modern and classic villas and modern Spanish resort townhouses and the new ultra chic, high spec apartments with extensive communal facilities.

Many Spanish properties provide shared facilities such as gardens, swimming pools, tennis courts and gyms.

Understandably, the coast is still favourite with many buyers of Spanish property. Government statistics show property prices will increase in Spain by between 11% and 16%. For low cost renovation projects look to Spanish inland areas where prices are often far lower.

Flexible mortgages are now available from a wide range of well known lenders. These recalculate the outstanding capital and interest daily allowing you to make overpayments on the outstanding loan whenever possible. Mortgages are also available which permit you to take a break from payments thereby increase the interest payable. A complete break from payments may also be arranged as long as there is an adequate balance in your account.

Getting the mortgage

If possible, buy your Spanish property outright. That way obviously you own the property and avoid increasing your existing mortgage debt. If a mortgage is the best way for you to purchase a Spanish property one can simply add to one’s principal mortgage or take out a new separate mortgage on your foreign property. Increasing your existing borrowings is probably one of the cheapest options. Alternatively one can consider a second mortgage on your new Spanish property or holiday home.

Having a Spanish mortgage doesn’t automatically involve dealing in foreign currency. Abbey and Barclays offer buyers of foreign property euros or sterling loans. If you intend to rent out your Spanish property the rent may be received in euros in which case a euro mortgage allows you to offset the rent against repayments.

Obviously if you choose not to rent out your Spanish property but still have a euro income of other sorts then a euro loan is sensible. However those earning sterling in the UK will find a mortgage in sterling a sensible option. This way you needn’t worry about exchange rate fluctuations. The majority of euro mortgages will be of the repayment type and also with repayment periods shorter than British loans. In Spain, many have a term of 15 to 20 years. Clearly this will impact on your monthly payment amount. loan-to-value ratios will usually also be lower and therefore may restrict the amount of available Spanish funds. Around 75% may be the typical LTV.

Different types of lenders

There will always be more than one type of lender for a second home or Spanish property . You have a choice of the large Spanish banks such as CAM, BDV and Solbank as well as almost all UK lenders. The Spanish banks are very keen to arrange mortgages with non Spanish borrowers. All the major Spanish banks have branches located in almost most mid to large size towns both inland and along the length of the Costa Blanca. Their staff will speak English and will guide you along all stages.

Your Spanish property will serve as collateral against the loan i.e. the bank’s security. Loans of around 70 -80% are commonplace. Beware though that the bank will impose fees of around 1%-2% (arrangement) of the advance and around £200 to £400 for the valuation survey.

Many recognised high street UK banks have branches in Spain for example Abbey and Barclays as well as the Royal Bank of Scotland. These are staffed by Spaniards almost all of whom will speak English and are well trained in the provision of financial packages to purchasers of Spanish property.

Many specialist mortgage brokers also exist and these are worth talking to in order to locate some of the more competitive mortgages.

Your buying checklist

Don’t forget to add around 10% to the property price to cover the unavoidable costs of the transaction.

Which location? Use (almost!) the same criteria you would when looking at property in the UK. Is your preference for rural, village, town or bustling resort? Just how important is proximity to the sea? Ditto shops, hospitals etc.

Most importantly, familiarise yourself with the region. Go there, hire a car and become knowledgeable about the various Spanish towns and villages in the area.

Check what services the property is connected to. Establish whether connections already exist for gas, phone, electricity and water. Can you get broadband Internet?

Talk to the people you meet there. Question them on the area. It’s pros and cons.

Variety is essential – view a VERY broad selection of properties. Without this you will lack any real perspective of the market and what is available within your budget.

Regarding any properties which are part of an ‘urbanisation’ discover how much the community fees are and when payable. Try to talk to the president of the community. Visit the town hall planning department to establish what if any new development is intended in the vicinity (or within view) of your property.

ALWAYS appoint an independent, English speaking solicitor. There are plenty. This is essential.

The actual process of buying a Spanish property

Firstly there will be a deposit to be paid – negotiable between £2000 and £10,000 and a purchase contract to be signed. This is known as the ‘compra venta’ and is a binding agreement which details the sale and the date by which you agree to complete.

When you complete on the property, everyone involved will convene at the notary office – a government official charged with overseeing the transaction and the witnessed signing of all binding documents. It’s at this point that the deeds (escritura) are signed. On signing the escritura one must then pay the outstanding purchase amount including all legal fees and taxes etc. This includes 7% of the agreed price on new properties or of the escritura value on a resale property.

After this stage, the necessary transfer taxes and fees are paid.. The new ownership (transfer of ownership) will be registered by the notary. This is done with the Land Registry.

This registration document is known as the and “copia simple” and you should ensure that you receive a copy.

Additional info regarding taxes and other costs

Combined purchase costs, taxes and Solicitor fees will usually equate to around 10% of the purchase price. This will cover advice on the contract, the investigation of the property title, the report on any enquiries undertaken, handling of tax payments and the procedures required for your final completion and property registration. The fees to be paid to the notary may be between are around £250 – £475. Land Registry will cost approx. £240. Clearly there may be other costs such as your surveyor, or those incurred with banks. These will vary from case to case.

Ongoing living costs in Spain typically will include Urbanisation or “Community Fees” for general upkeep and insurance of the community and shared areas such as gardens and pools.

Local i.e. town hall related taxes include a “wealth” tax or ‘Patrimonia’(around 0.2% is typical), property tax and the “IBI” – a yearly form of property tax. Like council tax this varies depending on area. Often this will include charges for rubbish collection. Insurance. Comprehensive insurance is obtainable from many insurers. Utility fees such as electricity and water.

Other considerations

It is usual for property owners to appoint a “gestor” or “fiscal representative” to handle your admin. and other fiscal affairs. One other essential document is your will. Make a Spanish will. It might cost around £150 but is vital to represent your interests in Spain.

When choosing a Spanish bank account always study the maintenance charges as they vary a lot from company to company!

Looking to buy some house in the Philippines? Well aside from houses, there have also been other popular types of residential real estate in Philippines. Other than a simple house, many have also taken a liking to living in a condominium unit, or in a townhouse, or even in an apartment. So what does these other types of residential real estate have that a house doesn’t possess?

Townhouse
There are many types of residential real estate in Philippines. There are those which are known for their luxury and there also those which are only known for its simplicity. For townhouses, luxury is the only defining term that many use. There are different types of townhouses found in the Philippines today. There are those which are found in urban areas and there are also those found in large, luxurious complexes.

Townhouses in urban areas are known to provide luxury because of its appearance as well as with its location, mostly found near business and commercial districts. However, one of the most popular type of townhouse are those found in large complexes. Townhouse complexes are not only popular for its luxury, but also because of its amenities such as swimming pools, recreational areas, parks, gyms, and many more.

Condominiums
Condominiums are one of the most popular residential real estate in Philippines today. What made it popular is because of its affordability. Compared to buying a whole house or a townhouse, Filipinos could enjoy a luxurious living for a portion of its cost. There are two types of condominiums, the condominium building and the condominium complex.

Condominium buildings are usually those found near or inside a big city, such as in Makati City. This allows residents to be within walking distance to or mass transit distance to their work place, allowing them to avoid rush hour. For condominium complexes, these types of condominiums are known for their luxury which is similar to that of townhouse. Condominium complexes are known for their amenities such as a swimming pool or a park as well as with their high security.

Apartments
Aside from condominiums and townhouses, apartments are also known to provide their own luxury. Other than the studio type or the one-bedroom apartments, garden apartment complexes have also become very popular in the market. These types of apartments usually consists of low-rise apartment buildings built with landscaped grounds surrounding them.

The apartment buildings are often arranged around courtyards that are open at one end. A garden apartment has some characteristics of a townhouse: each apartment has its own building entrance, or just a few apartments share a small foyer or stairwell at each building entrance. Unlike a townhouse, each apartment occupies only one level. These types of apartments, however, are rare in the Philippines and only the wealthy could usually afford such an apartment.
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What are the best types of philippines homes that you are willing to buy for your family or for yourself? There are different types of housing that you could choose from other than the single-family home, or house. These include condominiums, apartments, and townhouses. So which of these types of housing is perfect for your life style?

Townhouses
Townhouse are like a typical house. The difference is that most townhouses are built side by side, and identical to each other. Unlike a house, townhouses would usually only occupy a single floor of a building. The advantage of owning a townhouse, however, is that most of it are found in large complexes complete with high security and resort facilities such as swimming pools, gyms, parks and playground equipment.

Townhouses are perfect for people with family, with two or three kids. The good thing about this is that townhouses of these kinds would usually cost as much as houses are, but with the benefit of these amenities. However, it can still be very expensive for most people. This is the reason why condominiums became popular.

Condominiums
Condominiums are one of the most popular types of philippines homes in the market today. What made it popular was because of its affordability. Compared to townhouses and the single-family home or house, condominiums are known only to cost half the usual price of these housings, usually ranging from P500,000 Philippine Pesos to as much as more than P1,000,000 Philippine Pesos.

There are several types of condominiums available in the Philippines. These are condominium buildings and condominium complexes. Condominium buildings are usually found inside a major city, such as those found in Makati City. The advantage of these types of condominiums is its location, which allows residents to be within walking or mass transit distance of business and industrial areas of the city. These types of condominiums are usually perfect for non-married individuals. But is also perfect for live-in couples which work around the clock.

Its counterpart, the condominium complexes, are usually found in the outskirts or in provincial areas. These types of condominiums, however, usually offer the same amenities offered by townhouses such as swimming pools, gyms, parks and playground equipment. Usually, these types of condominiums are popular for couples starting their own family or for small families, such as those with a single child. Although popular for its amenities as well as with its affordability, condominium units are usually too small for larger families.

Apartments
Another popular type of philippines homes, apartments are usually more popular for people with limited budget. Unlike condominiums and townhouses, apartments are usually rented or leased to tenants. There are many types of apartments, there are condominiums that could be made as apartments by its owner, or townhouses which can be made as apartments by its owners. However, one of the most popular type of apartment is the studio type apartment.

A studio apartmentis a self-contained, small apartment, which combines living room, bedroom and kitchenette into a single unit, barring a bathroom. Studio, efficiency, and bachelor style apartments all tend to be the smallest apartments with the lowest rents in a given area, which is why its very popular for those which are only starting out with their lives. However, houses rented to tenants could also be a perfect place for families and larger families.
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