Lifetime mortgage is a long-term loan secured against the borrower’s property and is repaid when he/she dies or moves to the long-term care. It can be termed as the Flexible mortgage as it maintains financial stability in a pensioner’s life.
One loan for all loans debt consolidation loanAnisha Sachit
Financing is the first concern of all kind of home buying. When you apply for a loan for an under construction property, it is called a ‘home construction loan‘. Whereas when a loan for buying a fully constructed house is availed, it is called a ‘home loan‘.
Blog:https://financebuddha.com/blog/home-loan-vs-home-construction-loan
One loan for all loans debt consolidation loanAnisha Sachit
Financing is the first concern of all kind of home buying. When you apply for a loan for an under construction property, it is called a ‘home construction loan‘. Whereas when a loan for buying a fully constructed house is availed, it is called a ‘home loan‘.
Blog:https://financebuddha.com/blog/home-loan-vs-home-construction-loan
Can’t pay your life insurance premiums? These are your optionsPravesh Vasudeva
If you run into financial difficulty, paying your life insurance premiums could take money away from other priorities like paying down your mortgage or buying groceries. But there are other options to consider. Here are a few recommended by our life insurance experts at Trust Life.
Take a look.
A brief explanation of how the variable annuity works in retirement income planning, and the risks associated with it.
A variable annuity is an investment product, not an insurance product.
A reverse mortgage is a government-insured loan that works by trading your equity for cash payments. The program is named a reverse mortgage because you won’t be paying mortgage payments to the lender, and the lender will be paying mortgage payments to you.
Gefen Financial - New York Mortgage Brokerguest2247c2
At Gefen Financial, we help people to manage their finances through debt consolidation, mortgages & loans for residential and commercial real estate properties, and equity financing.
Jimmy Vercellino is one of the nation’s top VA Home Loan mortgage originators. A Marine veteran, he and his team work hard to help veterans take advantage of their VA loan benefit and become homeowners. From start to finish, they guide their clients through the process and make it as smooth and stress-free as possible. Visit the site at https://www.valoansforvets.com
VA Loans for Vets NMLS#184169
5050 North 40th Street, Ste 260
Phoenix, AZ 85018
(602) 908-5849
A fixed annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan. Annuities offer the opportunity for lifetime payments and tax-deferred earnings, and provide a guaranteed death benefit for your beneficiaries. All guarantees are backed by the continued claims-paying ability of the issuing insurance company.
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
FHA Reverse Mortgage Purchase loan product designed for consumers 62 or older who want to downsize and buy a smaller home, but lack the income requirements for a conventional mortgage.
Curious to know the advantages & disadvantages of mortgage? The must read this following presentation to get the real meaning of mortgage. To get more information and advice on mortgage visit https://roebucklifetime.co.uk today!
Learn about reverse mortgage with the plain facts explaned on this slide presentation. Maggie O'Connell has been educating seniors for 23 years on HECM - FHA Reverse Mortgages and Jumbo / Private reverse mortgages. 800-489-0986
Can’t pay your life insurance premiums? These are your optionsPravesh Vasudeva
If you run into financial difficulty, paying your life insurance premiums could take money away from other priorities like paying down your mortgage or buying groceries. But there are other options to consider. Here are a few recommended by our life insurance experts at Trust Life.
Take a look.
A brief explanation of how the variable annuity works in retirement income planning, and the risks associated with it.
A variable annuity is an investment product, not an insurance product.
A reverse mortgage is a government-insured loan that works by trading your equity for cash payments. The program is named a reverse mortgage because you won’t be paying mortgage payments to the lender, and the lender will be paying mortgage payments to you.
Gefen Financial - New York Mortgage Brokerguest2247c2
At Gefen Financial, we help people to manage their finances through debt consolidation, mortgages & loans for residential and commercial real estate properties, and equity financing.
Jimmy Vercellino is one of the nation’s top VA Home Loan mortgage originators. A Marine veteran, he and his team work hard to help veterans take advantage of their VA loan benefit and become homeowners. From start to finish, they guide their clients through the process and make it as smooth and stress-free as possible. Visit the site at https://www.valoansforvets.com
VA Loans for Vets NMLS#184169
5050 North 40th Street, Ste 260
Phoenix, AZ 85018
(602) 908-5849
A fixed annuity can help you accumulate tax-deferred earnings as part of your overall retirement plan. Annuities offer the opportunity for lifetime payments and tax-deferred earnings, and provide a guaranteed death benefit for your beneficiaries. All guarantees are backed by the continued claims-paying ability of the issuing insurance company.
Home equity loans work best if there is a need for a huge amount. Such loans are much cheaper than personal loans or credit card loans.
Blog: http://thetazero.com/news/a-brief-on-home-equity-loans
FHA Reverse Mortgage Purchase loan product designed for consumers 62 or older who want to downsize and buy a smaller home, but lack the income requirements for a conventional mortgage.
Curious to know the advantages & disadvantages of mortgage? The must read this following presentation to get the real meaning of mortgage. To get more information and advice on mortgage visit https://roebucklifetime.co.uk today!
Learn about reverse mortgage with the plain facts explaned on this slide presentation. Maggie O'Connell has been educating seniors for 23 years on HECM - FHA Reverse Mortgages and Jumbo / Private reverse mortgages. 800-489-0986
En esta presentación de FdeT aprenderás a hallar la ecuación de un plano que pasa por un punto determinado y es perpendicular a una recta conocida. Aprenderás a calcular el punto simétrico de un punto conocido respecto de una recta dada en el espacio.
Retirees: Important Questions About Finances309finance
Baby Boomers are retiring and approaching retirement age at a very fast rate and with a very high volume. Many of the baby boomers as well as anyone reaching retirement might have questions about financial security or personal finances. This slide presentation is just a quick guide to popular retirees questions that you might encounter as well as questions regarding retirement and finances.
Note: we are not making any recommendations or advice via the slides. Our goal is to provide information to help you research and understand the challenges being faced by retirees.
Presented by: www.309finances.com
Availing a home loan is one of the most important financial decisions of any individual’s life. So being sure about all the aspects of it is very necessary before going for a home loan. Being informed and aware of all the important aspects not only gets you the best deal available but also saves from the shocks and surprises later on as well.
For Home Loan: https://financebuddha.com/home-loan
So which mortgage is the right one for you? Wait for it…it depends! You know life is too complex for an easy rule of thumb. You should seek the advice of a qualified financial planner who does this kind of scenario all the time. The second thing you could do is give us a call..
For Those Who Want to Prosper & Thrive in Retirementfreddysaamy
http://ekinsurance.com/financial/retirement/
Our core capital should be designed to outlive us. In fact, it’s important for you to start thinking about your money in terms of it outliving you, not the other way around. You don’t want to outlive your money.
Omaxe Sports City Dwarka stands out as a premier residential and recreational destination, offering a blend of luxury and sports-centric living. Located in the thriving area of Dwarka, this project by Omaxe Limited is designed to cater to modern lifestyle needs while promoting a healthy, active living environment.
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Vinra Construction is a private limited company registered under the ROC. The management has an experience of over 15 years of understanding the needs and delivering apt solutions to the end users We are providing turnkey solutions in construction fields. like Construction, Interior Designing Facility Management, Plantation Management, etc..
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Total Environment Tangled Up In The Green - Residential Plots Where Nature an...JagadishKR1
Embark on a journey where lush landscapes and contemporary living converge at Total Environment's Tangled Up In The Green Residential Plots in Devanahalli, Bangalore. Surrounded by verdant expanses, these plots offer an idyllic setting for your dream home. Immerse yourself in the serenity of nature while enjoying the finest amenities and design, where every moment is a harmonious blend of luxury and tranquility.
Lixin Azarmehr, a Los Angeles-based real estate development trailblazer, co-founded JL Real Estate Development (JL RED) in 2015 and serves as its CEO. Her expertise has propelled the firm to specialize in luxury residential and mixed-use commercial projects, with a portfolio that features upscale retail spaces and sophisticated care facilities.
Rams Garden Bahcelievler - Istanbul - ListingTurkeyListing Turkey
Implemented by Rams Global in Bahcelievler, the Rams Garden Bahcelievler Apartments includes 796 residences of different types from 2+1 to 5+1.
Next to the project, which will have 33 thousand square meters of green area, there will be 42 thousand 300 square meters of woodland. There will also be a 210-meter-long pond in the landscape of the project. There are 94.5 square meters of green space per flat.
Rams Garden Bahcelievler Apartments, which has 8 times more green space than the average of Istanbul with its 33 thousand square meters of green area located within a total of 75 thousand square meters, offers various housing options from 2+1 to 5+1.RAMS Garden has brought a lifeline to the construction industry.
Rams Global, which has signed projects in many places from Dubai to Phuket and delivered more than 20 thousand residences, is now starting new projects in Istanbul.
Rams Garden Bahcelievler is located 9 minutes from Metroport AVM, 5 minutes from Marmara Forum AVM, 12 minutes from Kazlıçeşme beach, 9 minutes from Yıldız Technical University, 7 minutes from Istinye University, 9 minutes from Ramada Hotel and Medicana Hospital.
https://listingturkey.com/property/rams-garden-bahcelievler-apartments/
Revenue Keys- Begur Village Survey-Sketchrevenuekeys
Find Land Survey Number View A Begur village Begur Hobli Bangalore The Revenue Department of Karnataka By The Survey Sketch Made Citizen Simple Easy to Find Survey Number,s
Sense Levent Kagithane Catalog - Listing TurkeyListing Turkey
Sense Levent offers a luxurious living experience in the heart of Istanbul’s vibrant Levent district.
This cutting-edge development seamlessly integrates modern design with natural elements, featuring live evergreen plants maintained by an advanced irrigation system, ensuring lush greenery year-round.
The building’s elegant ceramic balconies are both stylish and durable, enhancing the overall aesthetic and functionality. Residents can enjoy the 700m Sky Lounge, which provides breathtaking views of Istanbul and a perfect space to relax and unwind.
Sense Levent promotes a healthy and active lifestyle with a full gym, swimming pool, sauna, and steam room, all available in the building. The interiors are crafted with high-quality materials, ensuring a luxurious and inviting living space.
Designed with young professionals in mind, Sense Levent features 1+1 and 2+1 units with smart floor plans and balconies. The project promises high investment returns, with an expected annual return of 6.5-7%, significantly above Istanbul’s average ROI.
Located in the rapidly growing and highly desirable Levent area, the development benefits from ongoing urban regeneration projects. Its prime location offers proximity to shopping malls, municipal buildings, universities, and public transportation, adding immense value to your investment.
Early investors can take advantage of discounted units during the construction phase, with an expected capital appreciation of +45% USD upon completion. Property Turkey provides comprehensive rental management services, ensuring a seamless and profitable investment experience.
Additionally, robust legal support and significant tax advantages are available through Property Turkey’s licensed Real Estate Investment Fund. Levent is a dynamic urban hub, ideal for young professionals with its numerous corporate headquarters and shopping malls.
Sense Levent is more than just a residence; it’s a place where dreams and opportunities come to life. Contact us today to secure your place in this exclusive development and experience the best of Istanbul living. Sense Levent: Sense the Opportunity. Live the Dream.
https://listingturkey.com/property/sense-levent/
Serviced Apartment Ho Chi Minh For RentalGVRenting
GVRenting is the leading rental real estate company in Vietnam. We help you to find a serviced apartment for rent in Ho Chi Minh & Saigon. Discover our broad range of rental properties in Vietnam.
For more details https://gvrenting.com/
Dynamics 365 Bid Management for Construction ProjectsDynamic Netsoft
This PDF provides a straightforward guide to using Dynamics 365 for efficient bid management in construction projects. Learn how to streamline processes, improve accuracy, and enhance productivity with practical tips and step-by-step instructions.
https://dnetsoft.com/dynamics-365-bid-management-software
Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szet...Volition Properties
=== Investing In The US As A Canadian… And How To Do It RIGHT!! (feat. Erwin Szeto) ===
Ever been curious about Real Estate Investing in the US?? At Volition, for the past 14 years, we have been focused on helping investors invest in over $250M of real estate and generate $100M of wealth in the Toronto market, but we are always open to learning more about other business models and learning from other investors.
The US has always been an intriguing market to invest in. But the US is a big place… if you’re interested in investing in the US, you probably have a lot of questions, like:
☑️ Specifically WHERE should you invest?
☑️ What are the best markets to invest in and why?
☑️ How much are property prices there?
☑️ What are the returns like?
☑️ What is cashflow like?
☑️ Compared to investing in Toronto or other cities in Ontario, what are the benefits / tradeoffs?
☑️ What ownership structure should I use?
☑️ What are the tax implications?
☑️ Can I get financing?
☑️ What are tenants like?
Enter Erwin Szeto, a longtime friend of Volition. Since 2005, Erwin Szeto and his team have navigated the challenging landscape of being landlords in Ontario. Now, they are shifting their focus and guiding their clients' investments toward the more landlord-friendly environment of the USA. This decision comes after assisting Canadian clients in transacting over $440,000,000 in income properties. Faced with issues like affordability constraints, tenant-friendly laws, rent control, and rental licensing in Canada, Erwin sees a clear opportunity in the U.S. Here, there is a significant influx of investments leading to the creation of high-paying manufacturing jobs. Erwin and his clients are poised to capitalize on these opportunities where landlord rights are stronger and there is no rent control.
To facilitate this transition, Erwin has partnered with and become a client of SHARE, a one-stop-shop U.S. Asset Manager. Founded by Canadians for Canadians, SHARE enables as passive an ownership experience as possible for landlords in the U.S., while still maintaining direct, 100% ownership.
Erwin is “Making Real Estate Investing Great Again”!!
Website: https://www.infinitywealth.ca/
Facebook: https://www.facebook.com/iwinrealestate and https://www.facebook.com/ErwinSzetoOfficial
Podcast: https://www.truthaboutrealestateinvesting.ca/
Instagram: https://www.instagram.com/iwinrealestate/ and https://www.instagram.com/erwinszeto/
Discover Yeni Eyup Evleri 2, nestled among the rising values of Eyupsultan, offering the epitome of modern living in Istanbul.
With its spacious living areas, contemporary architecture, and meticulous details, Yeni Eyup Evleri 2 is poised to be the star of your happiest moments. Situated in the new favorite district of Eyupsultan, claim your spot and unlock the doors to a peaceful life alongside your loved ones. Nestled next to the historical and natural beauties of Eyupsultan, embrace the comfort of modern living and rediscover life.
Social Amenities:
Yeni Eyup 2 offers a life filled with joy with its green landscaping areas, gym, sauna, children’s play areas, café, outdoor pool, and basketball court. Reserve your place for unforgettable moments!
Reliable Structure:
With 1+1, 2+1, and 3+1 apartment options, Yeni Eyup Evleri 2 is designed with first-class materials and craftsmanship. The doors to a safe and comfortable life are here! Choose the option that suits you best and step into your dream home.
Project:
Yeni Eyup 2 is conveniently located, with Istanbul Airport just 26 minutes away, the Mecidiyeköy Metro Line 4 minutes away, and the Tram Stop 5 minutes away, making your life easier with its central location.
Location:
Your home is positioned in a privileged location, providing easy access to the city center, shopping malls, restaurants, schools, and other important places.
Yeni Eyup 2 offers 1+1, 2+1, and 3+1 apartment options designed to meet different needs. Find an option suitable for every lifestyle and open the doors to a comfortable life in your dream home.
https://listingturkey.com/property/yeni-eyup-evleri-2/
Simpolo Tiles & Bathware
Tile ho,
toh Simpolo.
Since the first steps were taken in 1977, Simpolo Ceramics has carved its niche as a consistently growing organisation with unparalleled innovation and passion rooted in simplicity.
We endure gratification for every experience we offer, created to share something meaningful. It may not resonate with the majority, but that makes us a class apart. If only a handful were to understand the purpose of our existence, we would be proud to have found our believers. Rather, people with whom we can share our beliefs.
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Design your space in your style with our very own Visualizer. Now, you can choose the tiles of your liking from our wide selection and see how they would look in a space. Select the tile from the multiple options and the visualiser will replace the surfaces in the image with the selected tiles. This way, instead of just your imagination, you can choose the tiles for your place by getting an actual picture of how they would look in a space. So, design your space the way you desire digitally and implement it in real life to get the best results!
You can also share this visualiser with others to help them design their space.
Committed to delighting customers with world-class ceramic products and services. Make Simpolo synonymous with the best quality and set new benchmarks of excellence for all stakeholders. Pursue best business practices with utmost integrity to make Simpolo an exciting organisation to work with, for vendors, channel partners, investors and employees alike.
Gain worldwide recognition in the field of ceramic building products through Research and Innovation and bring an enhanced lifestyle within reach for every household.
The KA Housing - Catalogue - Listing TurkeyListing Turkey
Welcome to KA Housing, a distinguished real estate development nestled in the heart of Eyüpsultan, one of Istanbul’s most promising districts.
Just 10 minutes from the bustling city center, Eyüpsultan offers a serene escape with the convenience of urban living. The direct metro line ensures seamless connectivity to all parts of Istanbul, making it an ideal location for residents who seek both tranquility and vibrancy.
KA Housing boasts unparalleled accessibility, with proximity to Istanbul Airport only 30 minutes away, facilitating easy international travel. Effortless city access is guaranteed by direct metro and transportation links to Istanbul’s cultural and commercial hubs. Quick access to key metro lines connects you to every corner of the city within minutes, making commuting and exploring the city hassle-free.
The development offers luxurious living spaces with a range of unit layouts from 1+1 to 4+1, designed with meticulous attention to detail. Each unit features balconies or terraces, providing stunning vistas of Istanbul and enhancing the living experience. High-quality materials and superior craftsmanship ensure durability and elegance, while sound-proof insulation and high ceilings (2.95 m) offer comfort and sophistication.
Residents of KA Housing enjoy exclusive on-site amenities, including a state-of-the-art gym, outdoor swimming pool, yoga area, and walking paths. Entertainment options abound with a private cinema, children’s playground, and a variety of dining options including a café and restaurant. Security and convenience are paramount with 24/7 security, a dedicated carpark garage, and an IP intercom system.
KA Housing represents a prime investment opportunity with limited availability in a high-demand area, ensuring enduring value and potential for lucrative returns. Homes in this development provide exceptional value without compromising on quality, offering affordable luxury for discerning buyers. The construction is of the highest quality, built to the latest seismic and disaster resistance standards, ensuring safety and resilience.
The community and surroundings of KA Housing are enriched by close proximity to prestigious universities such as Haliç University, Bilgi University, and Istanbul Ticaret University, making it an ideal location for students and academics. The development is adjacent to the Alibeyköy stream leading into the Halic waters, offering serene natural escapes amidst lush greenery. Residents can enjoy the cultural richness of the area, surrounded by historical and cultural landmarks that blend leisure, nature, and culture seamlessly.
https://listingturkey.com/property/the-ka-housing/
500 acres of brilliance await you here at Riverview City which offers modern living, effortless convenience, and a beautiful natural setting. It is a mega township by Magarpatta City in Loni Kalbhor, Pune. Enjoy easy access to work, schools, and fun while experiencing a perfect work-life balance.
Visit - magarpattacity.developerprojects.in
1. Let’s talk about the Flexible Mortgage!
Flexibility is the key to stability. That’s why it’s necessary for this type of mortgages to jump in the list.
So basically, we are going to talk about the Lifetime mortgage. Yes, it’s suitable to have the name-
“Flexible Mortgage”
2. WHY?
Well, that’s what we’re going to talk about in this article. The pensioners pile up major stress regarding
drastic fall in their regular income. They fear the absence of financial stability in their future years. But,
what if this financial instability is cut down by the financial flexibility? Sweet!
So, the knife of financial stability is particularly termed as Lifetime Mortgage.
What is it?
Lifetime mortgage. It’s a long-term loan that’s secured against the borrower’s property and is
repaid when he/she dies or moves to the long-term care. During the loan term, the borrower
continues to stay in that property and maintains it.-
How does it Work?
When you are at least 55 years old, you need some kind of financial stability to take care of your
monthly expenses and other essentials. What you can do is… you can take out a loan against
your home where you live. You’ll be using the money for whatever you need. You’ll still continue
to live there and retain your ownership until you die or move to a long term care. That’s when
this loan will be repaid.
After you die or move to a long term care, the property against which you took the loan will be
sold. The amount fetched out will be used to repay the loan amount to the lender. The
remaining amount will be passed on to your heirs.
Flexibility is divided into further flexible branches!
Drawdown Plans- At this age, regular income is what you’ll crave. But without a job, would
that be possible? Yes! With the Drawdown Lifetime Mortgage, you can plan the loan amount
into regular incomes for yourself.
So, you’ll still be complimenting your regular expenditure with stable income support. The
advantage? The interest will be charged on only the amount you take out for your necessities.
So, basically your interest is not going to roll-up and that’s a stress revealing thought!
Enhanced Plans- This is a kind of generous flexibility. It is preferably based on the borrower’s
health and lifestyle. Any impairment or serious health issue of the borrower can result in lower
life expectancy. This influences the lender to provide larger amount than normal mortgage
deals.
3. Protected Plans- You took the Lifetime Mortgage against your home. Now, when you’ll die,
nothing will be left for your family. But you don’t want that, right? So, opt for protected lifetime
mortgage plan.
According to this, you’re free to fix up some part or furniture of your home which will be
excluded for the mortgage deal; that you can save up as inheritance for your family. It cannot be
used to repay the mortgage loan.
Interest Payment Plans- Interest payment mortgage plan is a way to periodically reduce the
mortgage debt. If you wish to repay the monthly interest charged against your loan, you need to
opt for this plan.
It will prevent the interest roll up. Reducing the compound interest, the final amount to be
repaid at the end of the mortgage term will remain equal to the amount borrowed. This is an
appreciable option for those mortgage borrowers who have reasonably good retirement
income.
Flexibility Comes with a Price
Being flexible is an advantage but for benefiting yourself with this financial boon, you need to
pay some costs. It’s highly necessary that you are perfectly aware about that. So, the costs
that’ll be involved in taking up this Lifetime mortgage deal are:
Arrangement Fee: You will have to pay this to the lender while arranging the preferred lifetime
mortgage deal.
Legal Fee: When the lifetime mortgage plan is finalized, you will be required to pay some legal
and valuation fee.
Advisor Fee: This kind of decisions need through discussions and advice from a learned financial
advisor. So, you need to pay the fee for a wise advice.
4. Some facts you don’t want to know but you should know!
Well, it needs courage to except the cons of something that shines out as an amazing option.
But, like a quarter, everything has two sides. And it will be foolish to stay unaware about these
not-so-welcoming facts.
- Curbed State Benefits: The benefits offered by the government like the council tax benefits and
pension credits can be affected by this mortgage deal.
- Reduced Inheritance: The rolled-up compound interest can blow up the amount of mortgage
to be repaid resulting in highly reduced inheritance for your family.
- Early Repayment: If you’re able to and wish to repay the whole amount prior to the mortgage
term decided, you will have to pay an early repayment charge too.
- Equity Release is not highest: The Lifetime Mortgage Plan cannot offer as much as the Home
reversion Plan.
Do contact your financial advisor. Explain your personal situation with every detail, discuss the pros and
cons in much more detail, ask out all the questions jumping inside and get a customized perfect solution
for yourself.
Article By
Matthew Merenoff
(National Short Sale Specialist /Negotiator)
www.stopforeclosure.co