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The Compromise

This article aims to give you some useful information before signing a purchase offer.
Not everyone considers that when our proposal to purchase (Accompanied by a check) is accepted by the seller, this document becomes in effect a contract, a real compromise.
We know that when we decide to withdraw we lose the deposit, but if it does we have to ask the seller double the amount.
Warning:
Did you know the seller, in the case of our withdrawal, can you give us for breach of contract and what we're going to lose not only the deposit but could be much much more. Cases are rare but can happen so better not ever do a proposal to purchase if you have not studied every key issue.
Let's analyze the important points to be analyzed.
1. First that the proposed purchase there are the names of all owners, this is vital to complete the sale of the property.
2. All premises that you have seen (including basement, garage, outside storage, etc. ..) are present on the cadastral plan.
3. Verify that under planning law the property is sold
4. That there are no pre-emption or leases be
5. The time of evacuation of the building, which is the exact day of delivery of the keys or the time limit within which we receive them.
6. The price is the method of payment
7. The commission agency
8. That there is no seizure, Monthly arrears etc ... visible the title search.
Sometimes you do not have all this information in a short time (if you buy through an agency should have all the documents in the case of individuals have to get them) so you can bring to compromise the validity of the clauses. For example
that compromise is valid when the cadastral property is no prignoramenti, seizures, mortgages etc ...
Another important point is:
When you give time to the proposal to the seller 10 days to accept or reject.
When you have done all these activities, leave the check as a deposit that the agency has no right to cash out but only to detain him in a fiduciary capacity.
This is a pattern very simple but remember that because you can aiturare ward off the "smart".
Essert was useful and I hope in the spirit of collaboration of this blog, please leave your feedback in order to improve the information together for all users.

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Real Estate

If you have time and want to wander alone in search of your house then the best way is to rely on estate agents . The agency segura
you step by step until the conclusion of the negotiation and you will be happy to pay the commission for the work but ...
there is always a but ...
Today we can count a large number of estate agents and unfortunately some not completely rule that is crucial in dealing with an agent in good standing.
How it works?
Each agent has an identification card must be included because the role of real estate brokers at the chamber of commerce of his city.
addition, many agents, adhere to certain industry associations. Among the most important are FIAIP and FIMAA . These associations have a code of ethics to be respected.
Ask your realtor to show you his card and then make the relevant checks. It 'a simple but we tend not to be deceived because it teaches a beautiful window or agency.
Another important point is commission: Let
put pen to paper, the commission agreed not to have then to be discussed later, remember that each form must include the agent's name and badge number. These two operations
Protect yourself against scams, or at least give you strong elements in any case.
Be careful then when you go to see the properties . Often you will see facts apartments in the best hours of light and noise so once you have decided (in you) for a house, go and visit it several times at different times.
Before reaching the compromise you make a very important to check the cadastral or mortgage. It 's normal find a mortgage now because many have a mortgage, but the important thing is to assess whether there are other mortgages on that property.
Just to give an input, you know that you will be responsible for the current year and previous to the service charges so check it out.
Basically if you find out first is easy, just climb the costs from the selling price "withheld" because after you will have to face everything.
Buying a property at a fair price is already considered a gain and gain must be the reason for buying an apartment.

You have had experience "negative" or "positive" with the real estate agencies? Tell her and make it
domain pubbilico so that we can help the other users.

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Guest Houses Commercial Mortgage Casa

The best way to assess the commercial value of a home is to see so many but there are rules.
According to the Civil Code, the transfer of property can take place in the body or to measure.
Usually a home is sold to the body because the measures are always the subject of much discussion. The sales-to-hand can be summed up in "as is" leaving in the background measurements.
One of the reasons for which the values \u200b\u200bof the properties is not quite regular, too. Sometimes a house is worth € 5,000 more because it has new skirting boards ... is not a joke.
But this is not a problem if you are to make the right assessments according to a small table attached below. If you leave it to the seller in most cases tend to sell commercial meters as the functional using the value of square meters higher. This is just a little trick, the real problem is not habitable rooms with rates that are calculated wrong. For example, a balcony must be worth a 25% - 35% sometimes used instead of 50, and if you do not know these things ... Go to the pay and no one will steal anything just because you have to buy the body.
course at this time you will be coming soon to measure the idea of \u200b\u200bbuying and not the body but I do not know how many are willing to do this, why?
because under the Civil Code, the transaction must take place using the meter commercial building. If the act of selling the meters appear to be lower, the buyer is entitled to a proportional reduction in the price. This applies even if the meters are more with the possibility rescidere by the buyer of the contract if it exceeds 5% of the initial value.
solution.
To escape this maze is that you take a map of the house and then do on-site assessments of the scale. Done this do a rough calculation of total square meters dividing intended use.
Below I will take a little mirror on how to assess the value of approximately property: 35%

Balcony Terrace Cellar

25% 15% 10%
Garden of Garden owned by a family terraced roof

25% 50% 30%
connected Maid's room Maid's room is not connected
35% Patio or porch floor

30% 50% 60%
Taverna Living Porch
BOX is sold body

This table will give some precision to verify if the house who want to sell is priced right or not.
obvious that the above parameters are not equal for all regions because such a balcony in the center of Milan that is what it's worth, but on the Amalfi Coast is worth much more. The same for a box in a small provincial town than a box in the center of Rome or Milan.

the end is always rule # 1
Visit more homes as possible to those who want to buy and so you have some preparation in this area and to better evaluate the proposal that you are done.

Let your comment will be the best way to update this blog and help those who will buy a house.

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White Stuff On My Clit

Today mortgages are rapidly changing and increasingly long.
Only 10 years ago, I think can make a loan of 40 years?
This is no longer a problem why?
Why is the business Banks, money that buys and sells it to you.
A very simple method to gain a growth industry.
In this sentence there is a very important concept. You is not you make a loan to buy the house, you pay a mortgage to buy the house.
may seem like the same thing but it is not. When you go to the bank to apply for a mortgage you have to think of entering a boutique to buy a product (mortgage) and not be afraid to ask for a discount.
Discount?
Yes, discount. When the bank grants you a mortgage offers an interest rate equal to the cost of money (cost of acquisition of the bank Euribor / Euris) + the spread (the profit of the bank).
The spread ranges from a minimum to a maximum that the bank does not tell you ever.
Beware that having a spread of 0.6% or a 1.5% means a lot in terms of money paid to the bank loan in the next 40 years.
on balance is not difficult to find a difference of € 50,000 in interest!
You have to ask the discount on the spread, that's your goal. Getting the lowest spread and not the lower rate. The bank can play on the term or the term loan at a fixed rate and variable so you can see a low installment, you should always check the spread.
E 'has just been introduced to the portability of the loan which the banks can not you tying up the loan with the bank account and various criminal extinction, so contracted, especially currency and get more proposals. Today we have a great opportunity
competition in our favor.
You know it's quite common to find better economic conditions in a bank in the same group but has a branch in a place other than where is the house? Why? For the competition, remember that you are a customer of the bank at which to sell a product (mortgage) you'll pay dear, but mainly because the mortgage is the first step to retain a customer.
If you decide to buy a house through an agency, in most cases, we offer them the loan of a particular bank. I'm not saying it is not right, but always check you first hand that this mutual is what you need. Become the most important item in your monthly expenditure of the household budget.

And what did you spread? Leave me a comment so we can all see how the same banks offer different spreads for the same products and above all discover how far banks can go down if we have more data available.

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Seeking home ... how and where

Once the "ideal" place to live, need to begin implementing the program, the search of the property.

Technical DIY.
This can save you money because they directly contact the seller but you need to have certain powers in order to make a good buy. It takes time, and especially familiar with the area using knowledge in order to reach the seller before the agencies.
Another way may be the newspaper industry, which vary by region and province. Just to name a few in Milan's Attic, House to House, More Homes, Second-, only houses and so on.
The best way to comfort but also for completeness of information is the Internet. Today there are an awful lot of sites (soon, too) with an extensive list of homes for sale by private owners. For example www.casa.it with over 80,000 listings but many others are present. On the Internet there are also those of real estate agencies that are better tool for making price comparisons, depending on the chosen properties.
Investing the time to look more like houses that you have chosen to understand the purchase price or sale is crucial to choose an apartment that is a studio, apartment, villa, and so on. It 'important to be clear before we go to visit the first property the market value of the home you're looking for.
Do not forget that in all these cases it is necessary to know the area well where you want to buy, this is an essential element for all transactions.

Real Estate Auctions.
No auctions because there is no mafia ... I do not say that you've never heard this cliche. You know what the real problem of the auctions? E 'which are very few who go there to buy a house for living, just because there are so many clichés and too many on this type of purchase.
Today, there are also banks that make you a "pre-mortgage" in order to attend an estate auction so you have the confidence to buy your property without the risk of losing the "security" ... what?
I will explain later in detail what it means to participate in an auction real estate but just to give you an idea that you need to know:
To participate you must deposit a certified check equal to 30% of property value and if you win the auction is deposited until the purchase of the property. If you give up or not you have the money to close the deal, the check becomes a deposit of your withdrawal.
There are many web sites for real estate auctions, one of them is astegiudiziarie.it and many others. These sites give you a great opportunity to see the reports and especially where the property is located so that you can go and see before the auction. Today with the internet you go anywhere, but wherever you go if you use the Internet and take the time to go around and see the houses alone. Bags

Estate
Not all Italian cities, there is the opportunity. Surely there is in Milan, Rome, Naples, Brescia and many more.
The Real Estate Exchange, sponsored by the Chamber of Commerce, is a real market, based on the professionalism of the agents who subscribe to them, screened by a committee, where compravende, rent and it is estimated, on the whole national territory, the real estate.
Through telematics databases that allow you to choose the best opportunities and comparing them with each other.
In these databases you can search not only the cheapest, but you can also insert its request for the purchase, sale or lease and after a quick compilation is brought into contact with a real estate agent commission credited will be paid only to deal concluded. The commission agreed in advance by the exchange are fixed. The bag also offers
price lists of real estate appraisals, real estate auctions and arbitrations relating to the city's jurisdiction.

Realtor. Following a chapter deal
are inherent in this aspect. Even here there are many negative stereotypes about agencies and unfortunately it often happens that bad professionals infanghino an important job as that of the agency. (Provided that no part of because I was personally in front of a fraud in a real estate agent).
What is important is to see if the agent is a member of professional associations (FIAP and FIMAA), never take anything for granted even if you see a sign outside that inspires confidence. The trust is established with a set of rules, then the first rule is that the agent who has the eyes of a professional. Be always put black on white, the percentage who takes the agency because "we agree then" is not a sign of professionalism.
Here too the same old rule. Documentatevi first, look at some homes on the Internet in the area of \u200b\u200byour choice, valued more homes in the same area with different agencies. Normally your job to try to be precise to avoid being drawn and fired, well here you must be because you're not buying an item money back, you're buying the house and when you're not the first to make sure everything is in place, not will certainly be someone else.
Here's an example simple account of the servant: Let's say the agency
talking about a 3% sales and then when it turns out that in some amount the agency takes a 5% commission. On a local
from 120,000 € there is a difference of € 2400 + VAT. Now I wondered: How long does it take for you to save € 2400 + VAT? Or it turns out that the wiring is not up to code and should be rebuilt at a cost ranging from 3 to 5,000 € at best.
In a real estate transaction from 120,000 euro is not difficult to save or lose € 20,000 just for not being as precise in your work.

I can only wish you good search e. \u200b\u200b.. the next study

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or rental properties? Mortgage or rent?

This is the key point when you decide to take the first step towards independence.

If we look at it purely from the point of the financial sector of most scholars will tell you: the best rent that the mortgage ... but is it true?

If you are interested in targeting invest in real estate , well I'd say that the 'rent is the right choice otherwise there is no real answer to this question.

Why?

Because if you are under 30 years old and you're single you do not like the idea of \u200b\u200bputting down roots and then you tend to have the opportunity to pick up and leave without having to be bound by selling the house and look for another one.

If you're going to want to marry that the home is an integral part of the construction of marriage and then in the coming years passed away and fill it with objects of various types.

I think the best option is the feature.

Choose the first place and location of the house and then look for one that best satisfies you. Never be in a hurry, is the area where you can pay much more than they really are if you buy in a hurry.

Have you ever really understood how much a house per square meter, its actual market value? You have a guideline, then there is only one sales negotiations and if do not you spend more calmly, Guaranteed.

you in a hurry to find a home? Well you go to rent and then tries to calm your property.

Today I live in a house property that I found after about 2 years ... in the meantime? I was for rent but I found the house I wanted and 20% less.

Want to improve this blog? Leave a comment.
Better yet, let your own experience, is the best way to give this blog a more value.

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Genoese Stuffed vegetables (baked)

If stuffed vegetables instead of frying, baking, using very less oil and do not eat fried foods. This is more dietary and economic.

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Genoese Stuffed vegetables (fries)

E 'this is a typical dish from Liguria in use particularly in the summer because the stuffed vegetables you should eat cold or lukewarm at best and therefore lend themselves to be brought in trip.
one time it was used on the day of St. Lorenzo (August 10) to make a picnic lunch with on a basis of stuffed eggplant.
Boil the zucchini, onions, eggplant (small round ones typical of Genoa) taking care, however, that should not cook at all. Castings vegetables and let them cool, then chopping the zucchini in half lengthwise; will do the same with eggplant and onions. These all beam while the zucchini and eggplant empties them digging with a spoon. Arrange the leaves of onion, zucchini and eggplant very close together in a baking pan just anointed. Hours Prepare the filling: Heat up a pan in a little 'oil, fry a bit' of onion using the inner layers of the onion boiled the ones that are too small to be filled, in case you did only zucchini and eggplant will use for the sauce a little raw onion. Chop the insides of zucchini and eggplant and add in pan with a few leaves of dried mushroom soaked and chopped well and leave some 'dry over the heat. Let cool (otherwise the eggs thicken), put everything in a bowl and add eggs, salt, a bit 'of nutmeg, a crumb of bread soaked in milk and squeezed, grated Parmesan cheese and garlic and marjoram. Mix well. If it seems too runny, add a handful of breadcrumbs bearing in mind that the fluid is due to the cooking of eggs, which then harden. With this stuffing fill the vegetables that you have placed in the pan, sprinkle with breadcrumbs and bake in the oven when preheated to 175 degrees past a little olive oil on the whole. Cook for about an hour. They are cooked remove them immediately from the oven so that svaporino.
will be even better (as they say in Naples: much better) if the fry rather than bake. In this case, do plenty of oil in a frying pan and deponetevi vegetables, breaded and stuffed with the filling at the bottom, and after a couple of minutes, turn it and cook for another two or three minutes

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Quick Cuisine - Noodles the commander

A great restaurant in Genoa, U Gustui, that Augustus was nicknamed the "u sucidu. Before Mario was a member of the Conservative sea and in those days made the fortune of that restaurant with its stalks accommodated. After set up his own and opened a restaurant at the river Cabannette Geir. One of his famous former were precisely the noodles to the commander. They are prepared by melting in a frying pan a piece of butter which will warm the mortadella di bologna cut into strips more or less the size of cutters. Drain the noodles are al dente will jump into the pan with the sausage. It takes away from the heat and incorporates an egg (every two to three servings), slightly beaten a sprinkling of Parmesan cheese and serve immediately.

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Cotta Water

A video that takes us back through the centuries. The water boiled as it did in the Middle Ages.

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recipes - Eggnog

For each person, beat egg yolk with a tablespoon of sugar, and when the eggs are well fitted, put them in a saucepan and add the proper dry Marsala wine to the extent half eggshell egg yolk for each employee. Place the saucepan in a double boiler, stirring constantly with a wooden spoon to hold fire until the sabayon has not reached the desired thickness. It 's good both hot and cold.

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Linguine with vegetables

Main dish quick, tasty and digestible

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Stuffed Artichokes Genovese

Typical recipe from Genoa. It 's a dish of thin, is eaten cold, and then can be prepared in advance and is ideal for picnics.