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This is a very good mortgage advice: Learn about mortgages f
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MessaggioInviato: 25 Nov 2019 06:57:35    Oggetto:  This is a very good mortgage advice: Learn about mortgages f
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This is a very good mortgage advice: Learn about mortgages first before choosing lenders and mortgage packages for a home purchase.


When applying for a home loan one of primary attributes lenders will look at is your debt to income ratio. The type of homes you can purchase is directly affected by your debt to income ratio. Using tools like a home loan calculater will also give you an idea of what lenders may want.


Another factor lenders will be looking at is your front end and back end ratios. You can calculate for these figures using your gross income. Your gross income is your income before taxes and contributions. The front end ratio represents the amount of payments the lenders know you can afford. The front end ratio is 31% of the gross income for FHA loans and 33% for conventional loans. Mortgage payments
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, car payments, credit card bills and other recurring payments or debts represent the back end ratio. For a conventional loan the back end ratio is 45% while it is 43% for an FHA loan.


This means that when you are looking at your options for a home loan, you should also take into account your other recurring expenses such as credit card bills and car payments.


If you have no idea about the differences between being pre-approved and pre-qualified for a mortgage then you should also check into it. These factors will also influence the sort of home you can buy.


If you are already pre-qualified then that means the lenders have already decided that you are qualified for some loans. This of course is based solely on the lender鈥檚 opinion.


If you are on a pre-approved status it means that your financial background including credit ratings and bank references have already been verified by the lenders. A pre-approval letter may be issued and having this letter will signify to sellers that you are really serious about purchasing.


As for a home loan
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, there are certainly more advantages with being pre-approved over being just pre-qualified. Carrying a pre-approval letter will bring you more options in terms of home choices. You can close deals faster as well.


There are numerous factors to consider when applying for a home loan. When dealing in this kind of transactions do not forget to watch out for loan frauds. If a transaction does not feel right to you then you do not have to subject yourself to it. These are only some of the things you need to keep in mind.

Emily Collins is a writer for several websites and blogs including http:trustdeedinvestings, a site that talks about Home loans. For more information about Home loans, just feel free to visit our site now.

Usage of land in India is mostly based on spatial economic theory. Basic perception is that land close to the city centre is used most intensively and the value of the land decreases outwards. Inadequate usage of technology and research is keeping landowners in lack of insights in future use of land and thereby failing to allow maximum possible appreciation of price of land. Even developers are lacking proper answers for 鈥渨hat if鈥?scenarios in planning projections. Real Estate in India is going through a major change at the moment with the advent of RERA. With a sustained increase in paying capacity and advent of easier home loans
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, the demand is also on an all time high.

As per RERA, it will be mandatory for all commercial and residential real estate projects to register with the regulatory authority for launching projects. Punishment up to three years or fine of 10% of the estimated cost of the project can be imposed by the regulatory authorities for non-registration of projects Mandatory uploading of project details by the developer on the RERA website, including layout planning and completion schedule. Every builder will have to register with the state regulator.

Every builder will have to register with the state regulator. The final rules specify that developers of ongoing projects will also have to deposit 70% of the funds collected
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, but which have remained unused, into a separate bank account within three months of applying for registration. is aimed at providing security to buyers and ensuring that construction is completed without the builder transferring the funds to another project.

So who is the benefiter of all this technology driven disruption in the Real Estate sector? Certainly data driven companies in real estate that are trying to modify the way in which transactions in this sector take place have a clear edge over the other players. One such company is REstate

REstate provides a complete end-to-end solution for every aspect related to real estate starting from land and ending at end user, and using technology
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, data research, financial engineering and discipline, in the process; thus creating a new brand of builders
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, realtors, and landowners with a global potential.

REstate aims to organize and facilitate organization in every domain in real estate business against every stakeholder, keeping in mind the negatives associated with their respective domains and the possibility of scope of organization
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, which arises from the same.
Real Estate Company focused on landowners and builders, REstate, has received an undisclosed amount in seed stage funding from Idein Ventures
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, a UAE based private equity firm.

About REstate:
REstate was started in July 2016. Since then it has undergone extensive market research which enables it to see the real estate industry from a different perspective. It has successfully tried to come up with solutions which are a mix of conventional knowledge and data backed knowledge which has empowered it to focus on the perspective of the end user for the first time in this industry. The current team of REstate includes a top banker and graduates from top technology and management institutes, IITs and IIMs. REstate is currently functional.
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MessaggioInviato: 25 Nov 2019 06:57:35    Oggetto: Adv





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