Real Estate

Touchdown in Paradise: Your Guide to Ultimate NFL Travel Packages

Touchdown in Paradise: Your Guide to Ultimate NFL Travel Packages

The NFL isn't just a game; it's a pilgrimage. Every year, millions of fans embark on journeys that transcend mere travel, AddTagHelper themselves to the heart of the gridiron's holy land – stadiums where legends are born and Sundays are sanctified by the roar of the crowd. But navigating this thrilling odyssey requires more than just a passport and a love for the pigskin. It demands a trusted companion, a guide who understands the intricacies of the gridiron experience and can craft the perfect package to turn your NFL travel dreams into reality. That's where we come in. We're not…
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Three Important Figures: Why Your Credit Score Matters

Three Important Figures: Why Your Credit Score Matters

You already heard the numbers: 690, 740, 805. Three simple digits that may seem mysterious, abstract, or both. In the real world, however, your credit score largely determines what type and how much credit you can get, what interest rates you'll pay – and sometimes, whether you'll land in that great new job you want. Do we already have your attention? Understanding how the big three credit reporting agencies (Experian, Equifax, and TransUnion) calculate your credit score is key to knowing how to proactively manage your credit and safeguard your all-important triple-digit credit score. Your score allows businesses to assess their ability…
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How much do you really need to start to buy a house?

How much do you really need to start to buy a house?

A new home could be in your future sooner than you think, even if you haven't saved for a 20% down payment. In fact, you can buy a new home with as little as a 3.5% down payment. Do you think you need a 20% initial to buy a house? Think again. Many people believe that it takes a 20% initial to buy a home. However, it is possible to buy even a new home with as little as 3.5 percent upfront, or even no down payment. A June 2 survey of 017,2014 adults conducted online by Wells Fargo found…
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The Evolution of Lounge Seating – A Look at Contemporary Designs

The chaise lounge has been around for centuries. They are popular both as interior furniture and at the poolside. It's a classic design found in contemporary and modern architectural styles. The origins of these designs can be traced back to Victorian and Georgian designs. Origins The chaise lounge, a reclining chair, has been around for centuries. It was a staple furniture item in ancient Egypt, serving as a daybed or chair between two beds. It was a symbol of luxury and status. Today, there are many types of lounge seating. They can be found in offices, rest areas, meeting rooms,…
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How to adapt a home to people with reduced mobility

How to adapt a home to people with reduced mobility

There are different tricks and systems through which you can improve the quality of life of people with reduced mobility. We are going to analyze which are the most suitable for installation in a home, thus achieving that the person can move more freely and of course also with the maximum possible security. Elevators, home lifts and stairlifts First of all it is very important to improve mobility within the home, and for this there are different resources such as stairlifts, elevators and domestic elevators. On the one hand we have the domestic elevators, which are an elevator like any other, which allows…
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Heating Repair: Steps to Determine What’s Causing Your Furnace to Shut Off

Heating Repair: Steps to Determine What’s Causing Your Furnace to Shut Off

When your heater suddenly dies, it's a stressful situation. Not only does it put you and your family in the cold, but it also leaves you vulnerable to deadly carbon monoxide gas. The good news is that many problems are relatively easy to fix. Before calling a repair specialist, take a few simple steps to determine what is causing your furnace to shut off. Check Your Electrical Connections If your furnace doesn't heat up, there might be an issue with the electrical wiring in your house. These issues can often be found with an electrical safety check and can be…
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Shower trays: choose from these materials

Shower trays: choose from these materials

More and more bathrooms are changing the bathtub for a shower tray, but making this change opens up a range of materials to choose from. To make the right choice you must understand the characteristics of each material. Knowing the implications of each one will cause you to buy the shower tray you really want. You can see a variety of shower trays on findswimmingpoolbuilderstx.com. So you can compare prices and contemplate the different finishes. Resin and mineral filler This type of shower tray is state-of-the-art. Its composition mixes resin with quartz or marble. It is thanks to this mixture of materials that a unique…
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6 tips for small bathrooms

6 tips for small bathrooms

Whether you have just bought your new home or you are an investor who has bought an apartment to rent, you will be interested to know how you can gain more space from a small bathroom. It is common in large cities to find small homes, and one of the places where this lack of space is most noticeable is in the bathroom. With these tips you can make more space available. You will have the same functions within the room, but you can get more free space in which to move easily. Small washbasin One of the main failures of small…
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Built-in cisterns: the improvement to have an elegant bathroom

Built-in cisterns: the improvement to have an elegant bathroom

The built-in cisterns give the bathroom a more elegant and clean decoration. This concept is increasingly present in homes, and represents an improvement in the appearance of any toilet. The design of toilets has improved over the years, but there hasn't been a huge revolution in their appearance. However, thanks to the recessed cisterns, a great finish has been achieved for this element. The bathrooms that have one offer a greater sense of spaciousness, since elements are eliminated. Let's review its different characteristics and see some real examples. What is the recessed cistern? Recessed cisterns are those that are hidden behind the wall so that…
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Types of kitchen countertops: materials and prices

Types of kitchen countertops: materials and prices

Choosing the best material for the kitchen countertop is a decision in which several factors must be taken into account. We will have to think about the price, appearance and characteristics of the different materials to find the countertop that best suits what we are looking for. I have put the price ranges of the different types of countertops, but beware, the prices are in € / linear meter, counting on the width of the countertop is about 65 cm. Laminated Price: 15 – 30 €/m It is a structure composed of chipboard that is covered with several sheets to have a surface…
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Types of floating flooring: materials, strength and prices

Types of floating flooring: materials, strength and prices

The comfort and warmth that wood gives in a home or business is not offered by other types of materials. If we add to this a search for the resistance and economic maintenance of a material on a floor, these are the main reasons why the installation of floating pallets have become one of the most demanded solutions in interior pavements. Find out everything you need about the floating platform, from the prices of each type of pallet to how to classify them according to their resistance. What is floating flooring? Before proceeding to the definition of the floating flooring, it is…
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How much does it cost to tile a bathroom

How much does it cost to tile a bathroom

When carrying out works in our house, many of the times we do not know totally the cost they will have, and that is why we are reluctant to seriously consider them. One of the most common reforms is the tiling of bathrooms. As sooner or later it will be a task to be carried out in a house, it will be necessary to know how it is done and what is the estimated cost of a work of these characteristics. How much does it cost to tile a bathroom? When budgeting a work, there are many aspects that must be taken into account.…
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Types of PVC blinds for the home

Types of PVC blinds for the home

It is likely that you are looking for a couple of PVC blinds to place in your home and take advantage of all its benefits thanks to the fact that you have heard people talk about how good they are. However, there are many models on the market that make it difficult to choose for this reason we want to help you by showing you some types of blinds and the benefits that each one has, as well as what a PVC blind is. What is a PVC blind? These blinds in particular are characterized by the quality material from which they are made. Many people…
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What heating should I choose for a home in Madrid?

What heating should I choose for a home in Madrid?

Madrid has very high temperatures in summer, but this does not mean that winters are mild. In this area of Spain it is very important to choose the heating system with head. There are several months in which it will be necessary and the economic cost will be high. Getting the heating right is important to pay just enough. If you have to think about how you are going to heat your house in winter here are some small tips. City heating In the city it is common to see buildings with central heating, but if this is not the case of…
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Sound insulation with plasterboard: installation and price

Sound insulation with plasterboard: installation and price

Pladur plates work well as sound insulation for rooms. These plates are placed on the walls and ceilings and protect against the spread of noise. Let's see more in depth what it takes to use plasterboard to acoustically isolate a room and what are the average market prices. What is acoustic plasterboard? When the word plasterboard is mentioned, it usually refers to a plasterboard, but you should know that plasterboard is the name of a manufacturer. Being the most popular manufacturer, this element has been baptized with its name. However, there are other manufacturers that develop these boards. These are white plates…
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How to soundproof a wall with plasterboard in 5 steps

How to soundproof a wall with plasterboard in 5 steps

To soundproof a wall the most comfortable thing is to contact a professional to do it, but if you want to do it on your own one of the best options is using plasterboard. Learn the steps you must follow to soundproof a room in your house. This way you will avoid annoying noises saving you the cost of hiring a company. Materials needed Check all the materials you need before starting with the soundproofing of your wall. Tools: Rollers Spatula Sandpapers Electric saw Screwdriver Materials: Profiles for plasterboard Pladur plates Acoustic insulation Glue for acoustic insulators Tape for plasterboard joints Plata or putty…
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CLOGGED CHIMNEY: A PROBLEM THAT CAN BE AVOIDED

CLOGGED CHIMNEY: A PROBLEM THAT CAN BE AVOIDED

A clogged chimney can cause serious problems, since the function of the chimney is not simply to contain the fire, but must ensure a correct extraction of the smoke that the fire generates. If the chimney becomes clogged the gases and smoke will not be evacuated properly, which can lead to harmful health problems and even fire risk. But exactly what problems can a clogged chimney cause? Loss of efficiency: A clogged chimney reduces the amount of air that can circulate through it, which means that combustion does not occur efficiently. This will generate that the heat power of our…
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Boost Your Home’s Curbside Value With Quality Windows

Boost Your Home’s Curbside Value With Quality Windows

New replacement windows might be the answer to boost your home's curbside value. But they are more than just aesthetics; they can also increase your home's energy efficiency and security. A sound window installation will seal up cracks and gaps to keep your home comfortable and secure. It will reduce air infiltration and save you money on energy bills. Increased Comfort Quality windows are a homeowner's best friend. They improve your home's overall aesthetic appeal but also help protect you from burglars, severe weather and other hazards. In addition, they are highly energy efficient and a good investment for your…
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20 Creative Ways for First-Time Buyers to Save Money for a Home.

20 Creative Ways for First-Time Buyers to Save Money for a Home.

Planning to buy your first home? If you're a first-time buyer, you will no doubt know how difficult it can be to save for a home. In fact, putting a large enough home together can, for some people, be a significant barrier to homeownership. According to ATTOM Data Solutions, U.S. housing affordability in the last quarter of 2018 fell to its lowest level in 10 years. As home prices rise, the down payment required for the purchase also increases. But rising home prices aren't the only problem. Compounding the challenge facing first-time buyers is the fact that many are struggling to pay off student…
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Prepare your home for winter with a spa

Prepare your home for winter with a spa

Are you more summer than winter? Does the cold put you in a bad mood? Don't worry, there are many of us who feel this way. Every time autumn arrives we begin to fear the worst: the winter cold is approaching. But if you want to escape the low temperatures and give yourself a joy from time to time you should consider buying a spa. You may think that it is prohibitive, but the truth is that they are becoming more affordable. Companies like findswimmingpoolbuilderstx.com offer a fantastic service at a price within reach of many. But before embarking on the adventure…
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How to decorate the living room of your house: 7 keys to keep in mind

How to decorate the living room of your house: 7 keys to keep in mind

Are you thinking of decorating your living room? These useful tips will help you turn the living room of your house into an oasis of style and rest. When we are going to decorate our home sometimes we are paralyzed by so many available options, so it is convenient to have a few guidelines to follow. Remember that if you need to buy elements to decorate your home you can look for them on the web findswimmingpoolbuilderstx.com, they have comparisons of everything you may need! Now, let's go with the tips. 1. Let your furniture breathe Leave space between the furniture, so…
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6 advantages of vinyl flooring for your home

6 advantages of vinyl flooring for your home

Are you thinking of changing the floor of your home? Don't know which material to opt for? Well, in this post I want you to keep in mind the vinyl floor. PVC floors are becoming more widespread, and there is no single reason why they have become so popular. There are actually several positive points that make vinyl flooring an option to consider. In this post I am going to show you all its advantages so you can decide if it is the best option for your home. Good water resistance One of the most interesting features for homes is that these types of…
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BAD ODORS FROM VENTILATION SHUNT, A PROBLEM OF THE COMMUNITY OR HOMEOWNERS?

BAD ODORS FROM VENTILATION SHUNT, A PROBLEM OF THE COMMUNITY OR HOMEOWNERS?

Bad odors from ventilation shunt in your community? The bad odors coming from the ventilation systems of a community can generate conflicts between neighbors. At that moment it is considered who can be responsible, the community of neighbors or the owners of the homes. In this post we give you some information that can help you. PROBLEMS IN A COMMUNITY'S VENTILATION SHUNTS: SOURCE OF ODORS Although these systems are designed to be safe and efficient, poor maintenance or malfunction can cause these odor problems to occur in the community and neighbors' homes. With proper maintenance these problems can be solved, but if…
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How much can I pay for my house?

How much can I pay for my house?

For anyone thinking about buying a home, the fundamental question is: How much can you really afford the home? Put another way, with current interest rates, harsh risk assessment rules, and the cash down payment you can collect, what mortgage amount should a lender approve you, given your income, debt, and creditworthiness? Many homebuyers opt for a quick fix by visiting websites that provide the service of calculating the mortgage online. That's fine, except that just by entering your monthly income, your expenses, and what you think is your creditworthiness into a software calculator, that won't tell you exactly how…
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9 Closing Steps in a New Home

9 Closing Steps in a New Home

You have made an offer for a home and the seller has accepted it. Now what? Next, you close in your new home. But this part of the home buying process can be a source of major headaches for many buyers. It is a complex process that involves a series of steps before the triumphant moment when you receive the keys to your new place. Let's take a look at the main steps involved in the closing process, also known as "custody" or "liquidation," depending on your location, so that when you get to that important moment, you'll be prepared. If you're…
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How to choose a porcelain floor imitation wood

How to choose a porcelain floor imitation wood

Porcelain floors and their ability to imitate different finishes are often talked about today. One of its most popular imitations is that of wooden flooring, since it allows people to introduce warmth and sophistication into their home without having to apply the rigorous maintenance required by natural wood. What is a porcelain floor imitation wood A porcelain floor consists of a ceramic made with hard paste, which is compact and not very porous. It can be used both indoors and outdoors, as it does not absorb moisture. In other words, it is a resistant material that adapts to any area of the house. Likewise,…
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How to buy a child-friendly home

How to buy a child-friendly home

Some houses are suitable for children. Others are designed primarily for adults. If you have children or plan to start a family, you should choose a home that is safe and appropriate for your children, as well as the children of others who may visit you and yours. Here are five features you should look for. 1. Safety and security Fences and sidewalks may not be the most important thing for homebuyers, but they are important features for safety, especially for young children, and are not always included in new home developments. "If you have young children in strollers, children learning to ride…
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How to finance your new home

How to finance your new home

What you need to know and do to make the mortgage process easier. When you buy a new home, images of beautiful kitchens, sumptuous master bathrooms, and abundant closet space may cross your mind, but you shouldn't forget an important step called financing. When you're buying your dream home, the main questions to ask yourself at the start of your search include: Are my credit reports accurate, up-to-date, and correct? What information will I need to collect to apply for financing for my new home? What can I pay with a mortgage? What are my credit options? Where can I…
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Tips on how to negotiate with your builder the price and improvements of a new home

Tips on how to negotiate with your builder the price and improvements of a new home

So he has decided to buy a new house and is researching all the new constructions in his favorite places. Or maybe you've already selected the neighborhood where you've decided to live, but haven't closed the purchase yet. Regardless, you'll want to get the best possible price for your new home. Some factors that influence prices include the following: location, cost of land, cost of building materials, labor costs, real estate market conditions and utility provision costs. When it comes to a resale home you have to deal with the seller's emotional attachment to the home. Fortunately, the latter is…
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MOST FREQUENT DOUBTS BEFORE INSTALLING A PELLET STOVE

MOST FREQUENT DOUBTS BEFORE INSTALLING A PELLET STOVE

CAN INSTALLING A PELLET STOVE BE THE SOLUTION TO HEAT MY HOUSE AT A REASONABLE PRICE THIS WINTER? This year, even before the arrival of the cold, we are all thinking about which heating system can be the most effective and practical to keep us warm without disgust, seeing the bill at the end of the month, leaving us even more icy. The cold is taking time to arrive, it is still giving us room to assess and choose some of the alternative systems to gas and electricity that we now have on the market. Pellet stoves are one such option.…
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The steps to get to the mortgage credit

The steps to get to the mortgage credit

Finding and securing a mortgage to finance your new home can seem overwhelming, especially if you're a novice buyer. But it doesn't have to be that way. If you use this list (and reviewing the recommended articles below) you will be able to unfold the processing of the mortgage loan for the house in simpler and easier tasks and you will be able to complete each requirement at the indicated time. This summary will help you prepare the required documentation and information. You'll know what to expect in terms of loan rates and other fees and you'll be better equipped…
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Why, how, and when to check your credit report

Why, how, and when to check your credit report

Knowing how to access, understand, and manage your credit score and credit report is a key step in buying a home. Just as some people are afraid to visit a doctor for fear that they will discover that something is physically wrong, so too some people are afraid to check their important credit histories because they may find that their records are not as pristine as they would like and there is something wrong fiscally. According to a new study from WalletHub, a popular personal finance website, some 36 million American adults — a sum that exceeds the combined population…
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How to Clean and Disinfect a Hot Tub

How to Clean and Disinfect a Hot Tub

The cleanliness of hot tubs is one of the most important issues in the use of hot tubs. Because it ensures that the use of the jacuzzi is hygienic and that the jacuzzis are cleaned regularly. Regular cleaning of the jacuzzi also prevents the formation of stains in the jacuzzi and ensures that they are used for longer. When should the jacuzzi be cleaned? Frequent cleaning of the hot tub will ensure that the cleaning process is completed in less time. In addition, you can be sure that the jacuzzi is always hygienic. It is the implementation of the jacuzzi…
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PROBLEMS OF BAD ODORS IN KITCHENS AND BATHROOMS: DOUBTS AND SOLUTIONS

PROBLEMS OF BAD ODORS IN KITCHENS AND BATHROOMS: DOUBTS AND SOLUTIONS

BAD SMELLS IN KITCHENS AND BATHROOMS Bad odors in kitchens and bathrooms are a common nuisance that afflicts many homes and can cause uncomfortable situations in the community of neighbors, in addition to being a very unpleasant situation for those who suffer it. As we receive many inquiries on this topic, in our post today we wanted to collect some that exemplify the most common problems of odors in homes. We hope they help you know what to do if you have a bad smell in the bathroom or kitchen. • Do you have a problem with bad odors in…
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Government Real Estate Loan Programs for First Homebuyers

Government Real Estate Loan Programs for First Homebuyers

First-time homebuyers face several challenges when looking for a new home. They may not have an established credit history or may not have enough money to make the down payment that would qualify them for a traditional mortgage loan or the debt-to-income ratio may be too high to qualify for a traditional mortgage loan. What many early homebuyers don't know is that there are alternatives to traditional mortgage loans. Government grants and loan programs and even some financing options have helped millions of avid buyers become first-time homeowners. Here's a look at some of the biggest programs and how you can take advantage…
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What builders do to stay in tune with buyers

What builders do to stay in tune with buyers

As millennials reach the maximum age to buy a home, new home builders are innovating and adjusting designs to meet the demand of these demographics. Single women, married couples, couples are all counted among the buyers, in an increasingly diverse mix that looks nothing like the nuclear family of the 1950s, which traditionally served as a model for new homes. Currently, the number of couples with two incomes and a college education is at an all-time high, with single women making up the second largest group buying new homes, according to a recent design summit held by John Burns Real Estate…
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TIPS FOR CLEANING THE KITCHEN EXTRACTOR HOOD

TIPS FOR CLEANING THE KITCHEN EXTRACTOR HOOD

HOW TO CLEAN THE KITCHEN EXTRACTOR HOOD The extractor hood is one of the most important elements in a kitchen and is one of the places that accumulates the most dirt and grease. In our post today we give you some tips to clean the extractor hood and keep it in optimal operation. • The need to clean the extractor hood Keeping the areas directly related to food clean is something necessary and healthy, but also cleaning the extractor hood of the kitchen, is not only a matter of cleaning, it is also a matter of safety. The kitchen is one of the areas…
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Buy a home. Where to start?

Buy a home. Where to start?

One of the most important decisions in a person's life is the acquisition of a home ownership. When that moment comes, innumerable doubts arise as a result of not knowing the functioning of the real estate market. Where do I start? What is the first step I should take? This post will give you the answer to these and other questions. Steps to buy a home Identify your needs There are many questions you should ask yourself before you start searching: Will I live alone or as a couple? Do I prefer a house in the city center or on…
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Home insurance explained in a simple way

Home insurance explained in a simple way

Everything you need to know to have your new home fully covered Many people spend months and even years looking for a home to buy, and put aside the home insurance decision that would help protect their investment until just before the closing of the purchase. Don't. Home insurance policies may have certain common inclusions, but they are not something generic. The moment you realize you're not covered — or not enough — isn't after a fire or theft or other kind of inconvenient (and expensive) experience. You should contact several agents, says David Thompson, an instructor with the Florida Association of…
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Sell to buy What happens to the mortgage on your home?

Sell to buy What happens to the mortgage on your home?

You can sell a mortgaged home to buy a new one. There are several options but you will need to follow a series of steps to do so. The reason is that you can not sign a contract of sale if the property is not free of charges. In this article we explain what you can do and what are your alternatives to get a new home. How can I sell my home if I still have an unpaid mortgage? If the sale price is higher than the mortgage that is pending. In this case, a part of the purchase…
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Why does a mortgage counselor help you save?

Why does a mortgage counselor help you save?

Looking for the ideal mortgage is hard work that doesn't always go well. If we want to be sure of finding the best loan for the purchase of our house, the best step we can take is to hire the services of a mortgage advisor. Their experience in the sector, their training and their knowledge of the banking offer are decisive when it comes to finding the product that best suits our circumstances. With it we save time and a lot of headaches, but also money since it can get the best conditions for us. What is a mortgage advisor? We are talking…
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Glass vs aluminum terrace enclosures: main differences

Glass vs aluminum terrace enclosures: main differences

  When closing a balcony or a terrace we usually automatically think of aluminum enclosures, but the truth is that it is not the only material to do so. You have the option of opting for aluminum or glass, and to make the right decision you will have to know in detail what each of these materials entails. You can directly check the price of Terrace Enclosure in this link, but if you need to know the advantages of each of them I leave this post with all the information to help you with your decision. Aluminium enclosures The aluminum enclosures use this material to…
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Most relevant documentation in the management of a mortgage

Most relevant documentation in the management of a mortgage

The management of a mortgage involves the delivery of a series of documents with which the bank will obtain information about your financial situation and your ability to meet the payment of the installments. But remember that the bank is also obliged to provide the client with data on the conditions of the loan it offers. In this article we indicate which are the most relevant documents that are presented during the management of mortgages. Information that the bank must submit before signing With the Mortgage Law approved in 2019, the bank must deliver to the client a series of…
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HOW TO CLEAN A FIREPLACE WITH CASSETTE

HOW TO CLEAN A FIREPLACE WITH CASSETTE

HOW DO YOU CLEAN A CHIMNEY WITH CASSETTE? The arrival of good weather marks the end of the use of our fireplace. The time has come to clean the chimney thoroughly, check it and leave it ready for the following season. If we have a wood cassette, cleaning should include both the inside of the fireplace (the chimney sweep of the tubes) and the cleaning of the structure of the insert and the glass, where soot usually accumulates. This deep cleaning of the chimney can be quite cumbersome and dirty, since all the soot, ash and cream accumulated during the season of…
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Useful Tips for Buying a New Condo Home

Useful Tips for Buying a New Condo Home

Condo homes are a great option for first-time homebuyers and active adults looking for a smaller home. A condominium home is a single-family home that is part of a larger housing complex with shared spaces. When you buy a condo home, you don't own the land and there is a homeowners association (HOA) that manages everything. There are many benefits to owning a condo home. There is no garden to take care of, it costs less than a comparable single-family home, several additional services are often included (such as swimming pool, gym, covered or reserved parking, etc.) and there is a community…
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TRICKS SO THAT SMOKE DOES NOT COME OUT OF THE CHIMNEY

TRICKS SO THAT SMOKE DOES NOT COME OUT OF THE CHIMNEY

WHAT TO DO SO THAT NO SMOKE COMES OUT OF THE FIREPLACE INTO THE ROOM? A chimney that smokes constantly, poses a significant risk to health, due to the danger of poisoning. If this is your case, it is necessary that you do a thorough professional review. But without reaching extreme situations, it is very angry that when we turn on the fireplace, it begins to plaster and the whole room is filled with smoke. Then, we have no choice but to open the window and lose the heat achieved, to try not to continue crying with that uncomfortable smoke that…
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Find out if your mortgage deducts you in this year’s Income Tax return

Find out if your mortgage deducts you in this year’s Income Tax return

On June 30, the deadline for submitting the Income Tax returns corresponding to this year's campaign ends. Mortgages are deductible, but not for everyone. There are a series of conditions and limits that must be met so that the deduction for investment in habitual residence can be applied. We tell you what they are. When do you deduct the mortgage? It only deducts for taxpayers who bought the property and formalized the mortgage loan before January 1, 2013. The reason is that this deduction was abolished for all those who became buyers from that date. In addition, other requirements must…
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Bathtubs with Hydromassage Function Air Water

Bathtubs with Hydromassage Function Air Water

1.HOT TUBS MOST IMPORTANT INFORMATION What exactly is a hot tub? Strictly speaking, a hot tub is nothing more than a bathtub in different shapes, with one or more jets, also called jets. A hot tub is available in almost every shape imaginable. From classic round, trapezoidal or even elliptical, anything is possible. A hot tub also has several exits, also called ports. The hot tub was mainly used in the wellness area. But these have also been used in the private sector for quite some time. In addition, there is a possibility of adding extra oxygen to the water…
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Goodbye to multi-currency mortgages, what happens now with them?

Goodbye to multi-currency mortgages, what happens now with them?

With the disappearance this year of Libor (a benchmark used for loans in currencies other than the euro), the future of multi-currency mortgages is uncertain. These types of credits associated with foreign currencies must now be linked to an alternative benchmark. Otherwise, as stated by the Bank of Spain "these mortgages will lose the reference to calculate in the periodic reviews the interest rate to be applied and, therefore, the installments cannot be determined". Problems associated with multi-currency mortgages In Spain there are about 70,000 people with multi-currency mortgages. They are loans to buy homes granted in a currency other…
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How to start looking for a house?

How to start looking for a house?

Making the decision to buy a home and going through the process are two very different things. Many people have ever said to themselves, "I hope to own a home one day." But sometimes the process can be daunting. If there are literally millions of homes in the United States, how are you supposed to know where to start looking? Simply put, you can start exactly where you are. No matter what type of home you're looking for or when you want to buy it, it's best to evaluate your situation to make sure you're successful when you find your dream home. We have three recommendations…
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How to know if a wall is a party wall according to the Civil Code

How to know if a wall is a party wall according to the Civil Code

When making any modification in a house, it is quite common to find ourselves with the doubt about who owns a certain wall that borders the adjoining property. That is why it is important to learn to find out if a wall is dividing, so that you can know all the legal aspects that indicate what can and cannot be done in it. In this post we are going to analyze this aspect based on Spanish legislation, so that you know reliably if a wall is party wall or not. What is a party wall First of all it is very important that…
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HOW TO REMOVE CREOSOTE FROM THE FIREPLACE

HOW TO REMOVE CREOSOTE FROM THE FIREPLACE

DO YOU NEED TO REMOVE CREOSOTE FROM THE FIREPLACE? If you have not cleaned the chimney for a long time, creosote may be impregnating its ducts, which will not only prevent the good combustion and performance of it, but will generate dangers during the use of the chimney. If this is the case, you should remove creosote from the fireplace as soon as possible, as it can be the cause of the production of unwanted fires and its elimination is vital for the proper functioning of your fireplace and the safety of yours. • But what is creosote and how is…
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What rights does the buyer of a home have?

What rights does the buyer of a home have?

The purchase of a home is one of the most important decisions a person will make throughout their life. Before taking any step, it is necessary to know what our rights (and obligations) revolve around this operation. In addition to being alert to misleading advertising or unfair terms, the buyer must be aware of other issues such as the regulations governing his right to be informed and / or to claim or about the obligations established in the deposit contract and in the purchase contract. Getting started. Identify risk factors The purchase of the house is not without risks. To…
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The Covid 19 crisis triggers the novation of mortgage loans

The Covid 19 crisis triggers the novation of mortgage loans

In 2020, operations to renegotiate mortgage loans rose by 298%. The reasons are several. On the one hand, the Covid-19 pandemic has had a very negative impact on family incomes. And on the other, there is the moratorium that the Government approved to be able to face the economic and health crisis caused by the virus. The data comes from the report The effects of the pandemic in 2020 from the perspective of the data of the Notariat, which also highlights the increase in notarial acts aimed at improving the solvency of citizens and companies. Loan novations rise and home…
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How to buy a rental property?

How to buy a rental property?

One Rental property can be a fantastic and rewarding investment both financially and personally; But there are aspects to consider, for Supposed. From choosing a profitable property to acting as a landlord, the Rental investment comes with its own risks and responsibilities. Even though Risks / rewards can be expected There are many unexpected situations that one will face as owner. From rebellious and illegal tenants to infestations of bed bugs and replacing an air conditioner that you can't allow yourself, your responsibility in dealing with each problem or situation should be decisive and immediate to avoid lawsuits or tenants that destroy…
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Underfloor heating installation company in Madrid

Underfloor heating installation company in Madrid

Do you live in Madrid and are you thinking of changing the heating system? A great alternative is to install underfloor heating. It is a heating equipment that convinces more and more people. There are already installers who carry out these works, such as this underfloor heating company in Madrid. In this post I will explain what underfloor heating consists of and why it is a good idea to install it in your home. What is underfloor heating? The underfloor heating is a low temperature heating system that has the peculiarity that it is installed on the floor of the house. For this, a system…
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Is 2022 the year of green mortgages?

Is 2022 the year of green mortgages?

Climate change and biodiversity loss are of increasing concern. According to UNESCO's World in 2030 report, 67% of the world's population considers these to be two of the most important challenges facing humans in the coming years. The level of awareness on both issues is very similar in our country. 65% of Spaniards are willing to change their consumption habits if it benefits the environment (according to the Sustainable consumer spending survey by ING TFI Consumer Research). And one of the ways to fight climate change is by improving the energy conditions of buildings. The growing interest in sustainable housing has increased…
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HOW TO MAKE THE FIREPLACE WARMER

HOW TO MAKE THE FIREPLACE WARMER

INCREASE CHIMNEY PERFORMANCE How to improve the energy efficiency of our fireplace? In this post we tell you some tricks to achieve it. In these times, with the electricity bill through the skies, the heat of the fireplace becomes even more desirable than normal. It is not only about enjoying the pleasant feeling of the burning fireplace, but about getting as hot as possible to avoid having to combine the lighting of the fireplace with other heating systems that can be more expensive. So let's give you some ideas that can make the fireplace give more calor. • Keep your fireplace clean The very…
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Is it possible to change the holder of a mortgage?

Is it possible to change the holder of a mortgage?

There are many couples who, at the time, decided to buy a house halfway. That is, the bank granted them a mortgage loan being two the holders of it. But what happens if that couple breaks up? Is it possible to change the holder of a mortgage? Yes, it is possible. But there are a number of conditions. Is the bank obliged to change the ownership of a mortgage? Law 2/1994, of March 30, says that one of the reasons that allow the modification of mortgage loans is the change in ownership of them. But for this you must have the approval of the…
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How to get the best variable mortgage in 2022

How to get the best variable mortgage in 2022

Choosing the variable mortgage that best suits our needs takes time. No one is willing to pay more to have a home and so that this does not happen it is essential to search, compare and obtain all the accurate information to be able to find the most appropriate mortgage loan. Factors to consider when choosing a variable mortgage Although the number of fixed-rate mortgages has increased in recent months, variable-rate mortgages are still very attractive for a large part of the population. Especially since the Euribor (reference index) is still at historical lows. In December 2021 it stood at…
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HOW TO TAKE ADVANTAGE OF THE ASH FROM THE FIREPLACE

HOW TO TAKE ADVANTAGE OF THE ASH FROM THE FIREPLACE

TAKE ADVANTAGE OF THE ASH THAT HAS REMAINED IN YOUR FIREPLACE Ash is that interesting organic element that remains in the fireplace after ignition and that has multiple unknown uses. Do you want to know them? There is nothing better than the heat of the fireplace, turn it on and enjoy the warm feeling it generates, but then it is time to clean it and throw the ash, a roll. How? Throw it away? No! There are multiple ways to use this ecological waste in the home. In the cleaning of utensils, to give shine to silver or as fertilizer, among others. And it…
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How to get the best fixed mortgage in 2022

How to get the best fixed mortgage in 2022

In the last year the mortgage market experienced a remarkable growth and everything seems to indicate that, in the coming months, the trend will continue to be upward. One of the main reasons is the good prices of mortgages, especially fixed-rate mortgages. Major banks are offering mortgage products with very attractive conditions for home buyers. According to the latest data published by the INE, in October 2021 the number of mortgages constituted on homes was 27.9% higher than during the same period of the previous year. A revealing fact that serves as an example of the boom that the buying and selling…
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Furnishing the interior of the transportable house ÁPH80

Furnishing the interior of the transportable house ÁPH80

Decoration project adapted to the minimum space. The transportable house of the architecture studio ÁBATON known by its technical name ÁPH80 is a unique and really novel project that has made it worthy of two of the prestigious architecture awards A + Architizer in the categories Architecture + Living Small and Single Family House XS. It is a transportable, rectangular house (9mx3m), of small dimensions, self-sufficient and built according to sustainability criteria that ÁBATON always applies in its projects. In addition, it has the advantage of being able to be manufactured in a record time 6-8 weeks, it is assembled in just…
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How to Complete the New Home Buying Process Remotely

How to Complete the New Home Buying Process Remotely

When you can't be physically present for your home purchase, such as buying a place long distance, it's still possible to get to the finish line and buy your new home remotely. Thank you to technology like Skype and Zoom for virtual meetings, Facetime and Google Duo for face-to-face chats, DocuSign and Other portals for the secure exchange of vital information, the whole process From home purchase, from purchase to signature, can be handled from anywhere. If your new home is almost complete, it's time to get into Contact numerous professionals to make sure you can close the deal on time and move as planned. Stay…
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Understanding Your New Home Purchase Agreement

Understanding Your New Home Purchase Agreement

Before you are handed the keys to your dream house, you will have to sign on the last line, putting your initials here and there on a large number of documents. One of the most important? The contract of sale of new housing. But before you affix your signature to this stack of papers, it's critical that you truly understand this very important document. To help you figure it out, we spoke with two experts: real estate agent and co-founder of Home Value Leads, Brian Rayl of Dallas, Texas, and broker Dianne Langston of Quality Real Estate Services in Fairfield,…
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The types of ecological houses

The types of ecological houses

Landscape with stone and plants that require less water are appropriate in this new home with solar panels and Energy Star appliances. By KB Home. Murrieta, CA Which home green certification is right for you? Lessie Miller knew she wanted to build an eco-friendly house. But I didn't know there were so many different types. "There are many points of view on this. Do you want it to be a 'healthy' home? There is the energy aspect and recycled products. "You just want to buy locally produced building products?" the San Jose, California, resident explained about the many ecological considerations…
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Do you have a mortgage offer? We can improve it

Do you have a mortgage offer? We can improve it

New technologies have brought with them the possibility of obtaining real-time information on practically everything we need. The financial sector has been one of the first to digitize. It is possible that if you are looking for a mortgage for the purchase of your new home, you have made use of different platforms and digital tools that help you in your purchase process. Information is power as long as you know how to manage it in your favor. You can not forget that the financial world is full of terms and concepts that can be very confusing for someone who is not…
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PUTTING SOCKS ON THE FIREPLACE, WHERE DOES THIS CHRISTMAS TRADITION COME FROM?

PUTTING SOCKS ON THE FIREPLACE, WHERE DOES THIS CHRISTMAS TRADITION COME FROM?

PUTTING THE SOCKS IN THE CHIMNEY TO SANTA CLAUS One of the most beautiful traditions at Christmas time, for those of us fortunate to have a fireplace, is to put socks decorated with Christmas motifs so that Santa Claus leaves our gifts. But do you know where this tradition that has spread to the whole world comes from? Here we tell you this tender legend. WHY ARE SOCKS PLACED IN THE FIREPLACE? Chimneys have always been the gathering place of the family and in ancient times, they were the place where socks, shoes and other clothing were hung to dry them with the heat…
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The most important factors when changing mortgages

The most important factors when changing mortgages

Improving your mortgage is possible. There are different ways to achieve this, one of them is mortgage subrogation that is nothing more than changing your bank loan to get better conditions. Would you like to reduce quota, interest rate or repayment term? We tell you how to do it. Subrogation: What would you like to change about your mortgage? Subrogation is changing the mortgage loan of your financial institution to another that offers you better conditions that involve savings. Subrogating a mortgage does not mean taking out a new mortgage loan with new conditions. Surrogacy involves maintaining the same funding but…
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2021 Massachusetts Closing Cost Guide

2021 Massachusetts Closing Cost Guide

Massachusetts comes steeped in American history and packed with New England charm, so it's easy to see why people want to buy a home here. Are you a home buyer about to close your deal in the Bay State? While you may have gotten a competitive interest rate for a mortgage and saved for the down payment, there's another major hurdle you'll need to overcome: paying closing costs. Closing costs encompass all administrative and legal services you will need to pay for before you receive the keys to your new home. You pay these costs in a lump sum on…
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The keys to getting financing if you change housing

The keys to getting financing if you change housing

The pandemic and specifically the confinement has highlighted the shortcomings that many homes included without being aware of them many times. By spending more time at home the defects have multiplied. That is why many families have decided to change homes during this year 2021. How to do it without first selling the one we already have? Mortgage Change of house You no longer need to wait for the ideal buyer for your current home to appear. You can move house before this happens and enjoy a better quality of life. Will I have to face two mortgage payments? This…
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Do I have enough savings to buy a home?

Do I have enough savings to buy a home?

It is possible that after the fateful year 2020 you are thinking about looking for a home to become independent, improve your quality of life or finally become the owner of your home. In any of these cases before starting the search for your ideal home it is important to make a segmentation appropriate to your personal and professional profile. This will take you directly to visit properties that fit your characteristics with the consequent gain of time. Is it necessary to have savings to get mortgage financing? What is the amount of equity that banks require to start talking?…
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Louisiana Closing Cost Guide 2021

Louisiana Closing Cost Guide 2021

With its world-renowned Creole cuisine, live music and incredible festivals, and stunning scenery from the southern swamp to rolling hills in the north, it's hard to beat life in Louisiana. If you're a homebuyer putting down roots in Pelican State, make sure you're saving not only for your new home down payment, but also for closing costs. While saving on the down payment is at the forefront of homebuyers' minds, closing costs are what often fall by the wayside. A 2017 survey found that 35 percent of Americans are surprised by how expensive they are. Another 17 percent didn't even…
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Home improvements that are well worth it

Home improvements that are well worth it

There are improvements you can easily give up, and there are others you should hold on to for your life. The upgrade options that will come in handy to you every day and in the future are the ones you should consider mostly, such as hardwood floors, which are easy to maintain. Construction by Standard Pacific Homes in Palencia. Saint Augustine, Fla. A surprisingly large amount of the money you spend on your new home will be determined by the options you choose, and those options are always changing. For example, granite countertops and stainless steel appliances, both considered expensive improvements for…
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When is the best time to renegotiate your mortgage?

When is the best time to renegotiate your mortgage?

Each person's personal and financial circumstances are not always stable. When you sign a mortgage loan for 20 or 30 years you do it knowing what your income is at that moment, the type of job you have and the savings you have. However, external or personal factors can change your economic situation. It is precisely at that moment when you must start the process to renegotiate your mortgage. Why am I interested in renegotiating my mortgage? To improve the conditions of your mortgage credit. Through novation we have the possibility to renegotiate these conditions with the bank in order to make…
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HOW TO USE THE FIREPLACE SAFELY

HOW TO USE THE FIREPLACE SAFELY

HOW TO USE THE FIREPLACE SAFELY Using the fireplace at home is always related to the warm feeling of well-being during the winter season. We also remember the many evenings with family and friends that we enjoyed at home, next to a good fireplace. However, that placidity can be clouded if we start thinking about the risks of misuse and lack of maintenance in our wood heating system that is so idyllic. No one wants to imagine the possibility of getting sick from excess smoke, the accumulation of Co2. And everything is perfectly controllable if we do it in the right way. Always…
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The 8 most relevant mortgage terms

The 8 most relevant mortgage terms

If every time you do a financial search online or talk to an advisor from your bank everything you hear sounds like Chinese, do not worry. As we always tell you, the financial sector is full of complex terms unknown to most that can further complicate your search for financing, and unless you work in the profession, confusion can be important. Today we want to clarify the eight most relevant terms that you should know before going to any bank or signing a mortgage operation. Let's go! Main Capital The capital is the amount of money that the bank is going to…
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Maryland Closing Cost Guide 2021

Maryland Closing Cost Guide 2021

With its charming suburbs and small towns, natural forests and sandy beaches, and proximity to D.C., Philadelphia, and New York City, it's hard to beat life in Maryland. But moving to the Free State comes at a high cost, so make sure you have cash saved not only for the down payment but also for closing costs. Closing costs are an out-of-pocket expense that you will pay for the day you close your new home. These costs consist of the fees charged to homebuyers during the home buying process, from applying for a mortgage to appraisal and inspecting the property. Various taxes and insurance…
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Who’s Who on Your Construction Team

Who’s Who on Your Construction Team

Meet the people who will build your house It takes a team of talented professionals to make this possible. Building a new home is literally making a dream come true. Yours. It's an exciting but also detail-filled process consisting of many steps, each of which happens in a well-planned sequence. Creating your new home requires a team of trained professionals focused on your needs. A specialized contractor will finish one stage of your home, and then transfer the work to the next contractor; All under the direction of the construction superintendent of your builder or construction company. The superintendent will…
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New home buyer profiles in 2021

New home buyer profiles in 2021

The Covid-19 pandemic has been a turning point for all economic sectors, including real estate. Although the impact of the health crisis has not been so serious in this, it has influenced issues such as the profile of the buyer or the type of housing that is most demanded now. According to Solvia's latest residential report, which has been echoed by the Idealista.com portal, in the new construction market the buyer profile has changed. We tell you who the new housing seekers are. Young couples, private investors and elderly claimants The search for new homes has increased significantly. The reason is that…
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How to decorate a bedroom: interesting ideas and how to put them into action

How to decorate a bedroom: interesting ideas and how to put them into action

SURPRISING IDEAS There are so many stylish bedroom design projects that we can easily pick the best one. Of course, even with the most successful option, adjustments to our tastes and realities are unavoidable, so let us consider how to decorate a bedroom with our own hands in order to fully reflect our inner world in a room that is solely ours. We will first present our favorite color palette, then organize good sound insulation and select compact furniture. However, only decorative elements will give the room an appealing personality, and it will invariably be decorated. The bedroom would be…
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HOW DO I KNOW IF MY CHIMNEY IS CLOGGED?

HOW DO I KNOW IF MY CHIMNEY IS CLOGGED?

Before the arrival of cold days and winter it is necessary to make sure that our fireplace is not clogged. We can not leave it for later, lest we get an unpleasant surprise when we most need to heat our house. SIGNS THAT MY CHIMNEY IS CLOGGED Chimney clogging is more common than you may think. Soot accumulates in the air outlet pipe and can partially or totally obstruct it, which is why cleaning and chimney sweeping is necessary. Some signs that tell you if your chimney is clogged are easy to notice: Movement of the flame Notice how the flame moves.…
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Expenses associated with the mortgage. Who pays what?

Expenses associated with the mortgage. Who pays what?

he registration in the Property Registry, the appraisal of the property, the agency, the Tax on Documented Legal Acts ... A mortgage brings with it a series of expenses that must be assumed by the owner of the same or by the bank that grants it. In this article we tell you what they are and the jurisprudence that the Supreme Court has established in several judgments related to the payments that borrowers were obliged to make before the new mortgage law came into force in June 2019. Who paid what before June 2019 Before the entry into force of the mortgage law…
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How to finance your lot and its construction?

How to finance your lot and its construction?

Most consumers have at least a working knowledge of what mortgage lending is. Those long-term loans are a staple concept in the world of household finance. These loans give homebuyers access to funds to pay for what may be their biggest lifetime investment, and what will be paid in installments over many years. However, homebuyers are usually not as familiar with the options for financing a lot and building a home. If you are interested in building your dream home, there are usually two paths to lot financing and construction. Lot Loan + Construction Loan The vast majority of buyers prefer to secure the site of…
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HOW TO PREVENT SMOKE FROM ENTERING THE CHIMNEY IN THE HOUSE?

HOW TO PREVENT SMOKE FROM ENTERING THE CHIMNEY IN THE HOUSE?

CAN WE PREVENT SMOKE FROM THE CHIMNEY FROM ENTERING THE HOUSE? Fireplaces are one of the fastest and most effective heating methods that exist and, if it is installed in a central room, we will see how efficiently and pleasantly it will heat all the rooms in these icy days of the winter season. During the cold season, we come home and anxiously light the fireplace, but before feeling the expected delicious heat, we may encounter an unpleasant incident. A terrible invasion of smoke. The smoke that sneaks into the house from the fireplace, is not only unpleasant, but comes to permeate our…
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What should I look for to know if they offer me a good mortgage?

What should I look for to know if they offer me a good mortgage?

Buying a home is a very important step for anyone. It may be easy for us to give it but everything gets complicated when we apply for financing. Will the mortgage they offer me be the most suitable for me? In Creditoh! we give you some keys to know if the credit they offer you is the one that best suits your circumstances. From interest rates to commissions: the most important keys to your mortgage Finding an interesting offer in the Spanish mortgage market is not an easy task, especially if you do not first go to the services of a real…
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CHIMNEY SWEEP, A MUST

CHIMNEY SWEEP, A MUST

Summer is coming to an end, soon temperatures will begin to drop and cold days will come. Surely you are thinking that it is time tostart preparing for the season, do the purchase of firewood and most importantly: chimney sweep, a necessity to ensure the best performance when winter comes. CHIMNEY SWEEP IS A MUST Do not wait to have here the cold days and be caught off guard without having chimney sweep with enough time to have it to the point of being able to be used and protect your home from low temperatures. Chimney sweeping is a vital necessity to…
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What are the expenses when a mortgage is constituted?

What are the expenses when a mortgage is constituted?

The constitution of a mortgage involves the payment of a series of expenses that go beyond the payment of the monthly payment. Until the approval of Law 5/2019 regulating real estate credit contracts, most of these were assumed by the buyer. With the new regulations, the situation has changed significantly. In this post we explain who pays what when a mortgage loan is signed. Expenses involved in signing a mortgage Notary. Payment of the notary's fees for attesting to the formalization of the mortgage operation. Appraisal. Expenses derived from the process by which the value of a property is certified. The appraisal…
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New or second-hand housing Which is better to buy?

New or second-hand housing Which is better to buy?

Is it better to buy a new or second-hand home? The answer is not easy. First of all, the particular interests of each person greatly influence this decision. Some buyers prioritize the location of the property, and others, their budget. The state of the house, whether it has to be reformed or not, is also a matter of weight when choosing between new or second-hand houses. In this post we explain the advantages and disadvantages of buying one or the other. Why buy a new home? According to the latest data from the National Institute of Statistics (INE), 19.6% of the sales registered…
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Real estate opportunities in summer, do not miss them!

Real estate opportunities in summer, do not miss them!

The summer season is synonymous with rest and tranquility, two factors that positively influence when we are looking for the house of our dreams. To find the best real estate opportunities it is necessary to have free time that allows us to know the market in depth and reflect on what is best for us. In this article we tell you what advantages it has to buy a home in summer. Don't miss your chance. Take advantage of this summer to buy the perfect home Summer is always a good time to buy a home but this year it seems that…
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8 benefits of bathing in a jacuzzi that you did not know

8 benefits of bathing in a jacuzzi that you did not know

Onceyou have started to think about what benefits do jacuzzis have? It is clearly something to relax, or has proven benefits beyond that. Many people will believe that using the jacuzzi is purely to have unique moments of relaxation, and of course they are not wrong, but, nevertheless, there are endless benefits, which they probably do not know, and that we have no doubt that they will be surprised. We agree that relaxation is one of the most characteristic and fundamental characteristics of this product, but what you probably had not considered, is that this relaxation goes beyond having a…
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I HAVE A FIREPLACE, DO I NEED A FIRE EXTINGUISHER?

I HAVE A FIREPLACE, DO I NEED A FIRE EXTINGUISHER?

When the cold season arrives, it is very pleasant to arrive at home and enjoy the comfort produced by the heat emitted by a wood burning fireplace. However, if you are evaluating the option of installing a fireplace, it is very likely that the question arises as to whether it is necessary to have a fire extinguisher. DO I NEED A FIRE EXTINGUISHER IF I HAVE A FIREPLACE? In this sense, although there is no regulation that requires having a fire extinguisher in a home that has a fireplace – unlike in buildings, where there is a legal obligation – security…
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Mixed mortgages: advantages and disadvantages

Mixed mortgages: advantages and disadvantages

When the need arises to apply for a real estate loan, the first thing that is thought of is the interest rate that will benefit us the most: fixed or variable. But what about mixed mortgages? It is a modality in which the two previous types are combined and, according to financial experts, are more advisable for customers with the ability to make an early amortization. In this article we tell you what this type of mortgage consists of, as well as some of its advantages and disadvantages. What is a mixed mortgage? It is a mortgage loan that combines…
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Green mortgages. Pay less for a sustainable home

Green mortgages. Pay less for a sustainable home

Although the supply of green mortgages is still much lower than in the case of other mortgage loans, it seems that the demand grows every day. The concern for energy efficiency and the environment occupies more and more space when making the decision to buy a home. According to the I Study of green finance in Spain, carried out by ASUFIN (Association of Financial Users), "25% of the population considers it important that the investment carried out is sustainable". The report also highlights that, sometimes, the economic conditions imposed by banks for this type of mortgage are worse than in the case…
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Difference between the appraisal of a home and its valuation

Difference between the appraisal of a home and its valuation

Despite being different concepts, it is common for there to be confusion between the appraisal and the valuation of a property. Whether we want to apply for a mortgage or if we want to sell our house, it is necessary to know what each term means to avoid confusion and know at all times what we are asking for. The legal nature of each makes the difference The main difference between a real estate appraisal and a valuation is the legal nature of the former. Although with both we can know approximately how much a home is worth, only with the appraisal we obtain a…
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THE DANGER OF CHEMICAL CHIMNEY SWEEPS

THE DANGER OF CHEMICAL CHIMNEY SWEEPS

Tablets, logs and / or bags to clean chimneys... chemical chimney sweeps with which we only "cheat" and that put your wallet and especially your safety at risk. WHY ARE CHEMICAL CHIMNEY SWEEPS DANGEROUS? They are called "chimney sweeps" products and their function is supposed to be the cleaning and protection of chimneys and boilers. However, these products do not eliminate soot, but change its state, which can generate dangerous situations. Chemical chimney sweeps When burned, according to each manufacturer's instructions for use, the chemicals are heated, ascended and break the outer layer of creosote formed on the wall of the fireplace. In the…
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The Covid 19 crisis triggers the novation of mortgage loans

The Covid 19 crisis triggers the novation of mortgage loans

In 2020, operations to renegotiate mortgage loans rose by 298%. The reasons are several. On the one hand, the Covid-19 pandemic has had a very negative impact on family incomes. And on the other, there is the moratorium that the Government approved to be able to face the economic and health crisis caused by the virus. The data comes from the report The effects of the pandemic in 2020 from the perspective of the data of the Notariat, which also highlights the increase in notarial acts aimed at improving the solvency of citizens and companies. Loan novations rise and home sales…
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How to Finance Your Demolition and Reconstruction?

How to Finance Your Demolition and Reconstruction?

If you've ever felt the disappointment of finding a large piece of land in the perfect community, but the house found in it is sadly dated, too small, or simply not your style, you're surely not alone. For many first-time or repeat home buyers, location is an important factor when buying a home. If you have your heart set on a particular lot, you might consider whether a demolition option is right for you. For many homeowners, choosing the ideal location that suits their current and future needs is worth the process of buying a home (and land), tearing down…
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WHEN TO BUY FIREWOOD AND WHAT TYPE OF FIREWOOD TO CHOOSE?

WHEN TO BUY FIREWOOD AND WHAT TYPE OF FIREWOOD TO CHOOSE?

When the cold season approaches, it is time to light the fireplace and enjoy that pleasant heat they produce. But if we want to be well prepared we must be proactive and buy in advance the firewood necessary to cover the needs of the whole winter. USE WOOD FOR THE FIREPLACE WHY? The heat generating capacity of firewood far exceeds that of any other fuel. Neither coal nor briquettes can compete with the calorific value of firewood, which is undoubtedly the best fuel for any fireplace. Although among the different types of firewood the calorific value is also different, a little below we tell…
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Apply for a mortgage alone or as a couple. What’s right for me?

Apply for a mortgage alone or as a couple. What’s right for me?

Is it preferable to apply for a mortgage as a couple or is it better for me to do it alone? The answer to this question depends on many conditions: the legal situation of the cohabitants (married or common-law partner), economic regime in the case of marriages, employment situation ... Each situation has its advantages and disadvantages. We tell you what they are. Apply for a mortgage as a couple If you are thinking of applying for a mortgage with your partner you should know that your candidacy has added some points for the bank. Financial institutions consider that the…
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The Best Foundations for Homes on Difficult Terrain

The Best Foundations for Homes on Difficult Terrain

The path to designing and building your dream home from scratch starts with a single step: choosing the foundation. This is an important decision that you can make or break your project. A strong foundation suitable for the climate, ground conditions and lifestyle of your home will support you for many years to come. There are three main types of foundations: full basement, concrete slab and drag space. While basements are a great option for cooler regions, such as the Northeast and Midwest, concrete slab foundations are often the popular choice in southern states, where high water tables pose a…
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The 3 Most Used House Bases

The 3 Most Used House Bases

When starting the home building process, one of your first major decisions will be choosing the type of foundation for your new home. To ensure your dream home is built to last, the foundation must be strong and firm to support the structure for the long term. The types of foundations for the home are not one size fits all. Basic considerations, such as climate, terrain, house design, and budget, play a role in determining the best solution. While there are several types of foundations on the market, each has its own benefits and disadvantages to consider. There are three types of…
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All the keys about the Reverse Mortgage

All the keys about the Reverse Mortgage

There are many financial alternatives so that the elderly can increase their income when the time comes for retirement. Although it is not yet a widespread product in Spain, the reverse mortgage has become a solution with many benefits for those who decide to apply for it. Alternatives to obtain additional income with housing The need to increase income is the main reason to apply for a reverse mortgage. As explained by the Bank of Spain in its guide to access this product, there are four types of operations to obtain additional income with housing. The main difference between them is the transmission…
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Fixed or variable mortgage. Which one to choose in 2021?

Fixed or variable mortgage. Which one to choose in 2021?

Fixed or variable mortgage? It is the big question for anyone who needs a bank loan to buy their home. The answer is never easy and will always depend on a series of conditions: repayment term, present and future income or the level of savings of the applicant. But after a year of health and economic crisis caused by the Covid-19 pandemic, the decision becomes more difficult. We explain the advantages and disadvantages of both at this time and according to the current general banking conditions. Increases the percentage of fixed-rate mortgages contracted Until a few years ago, buyers opted to take…
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Is buying a property as an investment profitable at the present time?

Is buying a property as an investment profitable at the present time?

Taking into account the low values of the Euribor, many are those who resort to alternative sources of investment to obtain profitability. The real estate sector is undoubtedly one of them. If you have savings or have liquidity, buying a property can be a good option to recover the investment and get recurring income. Is the real estate sector profitable today? The pandemic has caused the real estate market to fall in terms of rates and prices, making it an excellent time to invest. According to the latest forecasts, this trend in the sector will continue until at least the end of the…
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High Wood Price Shouldn’t Scare New Home Buyers

High Wood Price Shouldn’t Scare New Home Buyers

You may have seen the headlines: "Timber Prices Are at an All-Time High," "Home Costs Soar as Timber Prices Soar." While it's true, lumber prices rose 208 percent in 2020, it's not the big barrier to buying a home that homeowners pretend it is. Fluctuations in timber prices Timber prices have gone up and down before, rising in 2017 and 2018, and then falling again in 2019. Then the "perfect storm" of 2020 hit both demand and supply issues, says Robert Dietz, chief economist at the National Association of Home Builders. (NAHB). "We predicted a growth rate of about 4…
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3 Tips to apply for your mortgage and be told yes

3 Tips to apply for your mortgage and be told yes

Many have been the Spaniards who after the end of confinement have reactivated the plans they had to acquire a home. On the other hand, staying at home longer than usual has highlighted the shortcomings of many properties that were not prepared to house all family members for so long. The effects have been manifold. Home renovations, sale of the current property, change of residence or acquisition of a property. For all of them in most cases financing is necessary. How to apply for a mortgage loan and be told yes at first? . Focus on these three factors. 1- Current mortgage offer…
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5 Keys to buying your first home without errors

5 Keys to buying your first home without errors

With the purchase of the first home it is common to make mistakes that we are not aware of. Think that in a rental property you have the freedom to change if something is not as you expected, but when it comes to acquisition, the modification is not so easy. In today's article we are going to offer you relevant tips to keep in mind when buying your first home. Prevention is the best weapon. 4 Questions You Should Ask Yourself Before even starting the search for your ideal home you should ask yourself the following questions: Do I have a…
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How to visit the construction site of your new home?

How to visit the construction site of your new home?

Visiting the construction site of their new home is incredibly satisfying for homeowners, as they can watch builders move through the construction. Naturally, homeowners want to monitor the progress of their dream home and make sure everything is perfect, but new owners need to remember that a construction site is a work zone with rules to protect workers and owners alike. If you're building your dream home, follow these tips for visiting the construction site to make sure you can check into your home without causing delays or safety issues. 1. Follow the rules To ensure safety and avoid delays,…
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Kansas Closing Cost Guide 2021

Kansas Closing Cost Guide 2021

You've earned a competitive interest rate on a mortgage, saved for the down payment, and are ready to call Kansas home. But there's one more expense to consider: closing costs. Closing costs encompass all administrative and legal services you will need to pay for before you receive the keys to your new home. For convenience, you pay these costs in a lump sum on closing day and typically amount to 2 percent to 5 percent of the home's purchase price. Closing costs are paid along with your down payment. If you're buying a new home in Kansas, NewHomes here has put together…
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8 details of the Reverse Mortgage

8 details of the Reverse Mortgage

The reverse mortgage is a mortgage loan whose fundamental objective is the monetization of a real estate that completes the pension once retirement arrives. It is a very useful financial product that has been very well received in the United States and Great Britain but here in Spain is beginning its takeoff. What does it consist of? Is it worth it? Who is it for? We tell you all the peculiarities of this mortgage in this post. Reverse mortgage: is it for me? The reverse mortgage is designed for people with a certain profile. Over 65 years old, retired and with…
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6 Requirements for a mortgage without entry

6 Requirements for a mortgage without entry

A mortgage without entry is one that we request from the bank and covers 100% of the purchase and sale amount of the house. Prior to the bursting of the real estate bubble in 2008, theywere known as 100% Mortgages, since in addition to the amount of financing they also covered the expenses associated with that mortgage. After this crisis and due to the large number of non-performing loans, banks stopped marketing them. Is it possible today to get a mortgage without an entry? What is a mortgage without entry? As we explained at the beginning of this article, a…
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Mortgage expenses 2021 What do I have to pay?

Mortgage expenses 2021 What do I have to pay?

If you are thinking of acquiring a new home this 2021 this information interests you and is that after the new mortgage law imposed in June 2019, the assumption of mortgage expenses has changed considerably. We tell you who pays what and who assumes what. I'm going to apply for a mortgage, what are your expenses? The first thing you have to know before applying for a mortgage loan is that in addition to facing the fee every month, there are a series of expenses associated with the operation that you will have to assume. Some of these expenses must be…
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What to do first? Buy a piece of land or find a builder?

What to do first? Buy a piece of land or find a builder?

Home buyers who haven't built a custom home often have a very incorrect understanding of the process. They imagine that they will start by finding the perfect lot, proceed to hire an architect, use the architect's blueprints to solicit offers from custom home builders, and then choose the best deal. While it can be done this way, the best results are obtained when starting with a builder. Better yet, a construction company that offers design and construction services will eliminate the need to hire a separate architect, streamlining the entire process. By starting with a builder, a buyer can save…
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Life Insurance What does it guarantee?

Life Insurance What does it guarantee?

Life insurance linked to the mortgage loan is something that banks demand from their customers and if we think about it it makes a lot of sense. A mortgage is usually a commitment for several decades and life is full of uncertainty, so in case of death, our debt would be covered. Otherwise, it would become the responsibility of our legal heirs, something that nobody wants. Does the law require me to take out life insurance with the mortgage? According to the new real estate credit law, in force since June 16, 2019, the bank cannot force us to take…
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Mortgages and Life Insurance, six essential aspects you should know

Mortgages and Life Insurance, six essential aspects you should know

Life Insurance What does it guarantee? Life insurance linked to the mortgage loan is something that banks demand from their customers and if we think about it it makes a lot of sense. A mortgage is usually a commitment for several decades and life is full of uncertainty, so in case of death, our debt would be covered. Otherwise, it would become the responsibility of our legal heirs, something that nobody wants. Does the law require me to take out life insurance with the mortgage? According to the new real estate credit law, in force since June 16, 2019, the bank…
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TIN and TAE : What should I know?

TIN and TAE : What should I know?

If you are looking for a mortgage or personal loan, surely TIN and APR will be two concepts that appear frequently in different bank offers, but what is the difference between the two terms? Which of them offers you clearer and more accurate information to make a decision? We tell you all its particularities. TIN or APR What to look for? The first thing we should know is that both are official concepts introduced by the Bank of Spain. The APR is more recent since it emerged in 1990 with the mission of completing the information offered by the TIN. NIR (Nominal…
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What to observe during the process of building your house?

What to observe during the process of building your house?

Builders typically schedule several tours with clients while their new home is under construction and after it has been completed. Here's what you can expect at every visit. He signed a contract on his new home and selected his cabinets, appliances, flooring and other finishes. If you thought it was exciting, get ready: the next step is the beginning of construction. You'll no doubt be eager to see how workplace events unfold: When asked about how to track the construction process, panelists at the New Home Source Insights Panel said they were interested in tracking their home's progress in real…
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How to request a simple note online?

How to request a simple note online?

If you are interested in buying a particular property, one of the first documents you should review is the nota simple. Your request is very simple considering that you can also do it online. We tell you the usefulness of the simple note and how to request it online. Nota Simple: X-ray of a property Not everything is as it seems. The simple note offers us very valuable information about the current state of the property: who the owners are, the existence of charges or encumbrances of the property, etc. The most relevant aspects in which you should focus on…
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3 Keys to understanding your mortgage amortization chart

3 Keys to understanding your mortgage amortization chart

When we are going to apply for a mortgage there are a series of concepts and financial terms that we are going to find that we may not be used to. However, it is important that we understand the meaning of some of them and know how to interpret them throughout the life of the loan. This is the case of the mortgage amortization table. This document provides us with very valuable information to understand the trajectory of our debt. Its interpretation can be complex, so in this article we want to clarify all doubts. What elements are we going…
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7 ideas to reform a small bathroom

7 ideas to reform a small bathroom

When we reform a room of the house we have some freedom to make all the changes we want, but when it comes to a small room we are more limited. To face the reform of a small bathroom I bring you 7 ideas with which to get the maximum possible space. In this way you will achieve a balance between the bathroom of your dreams and a bathroom with more space. Change of bathtub for shower tray This should be the first change you consider making in the bathroom reform. But there is an important detail: the shower tray can not occupy the same…
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3 Requirements to get a Mortgage 100

3 Requirements to get a Mortgage 100

The mortgage 100 still exists today and although not all profiles can access it, there are common requirements for financial institutions to get it. Quality mortgage advice will place you closer to your concession. Do you want to know if you are a good candidate for Mortgage 100? Mortgage Requirements 100 Let's start at the beginning by analyzing the requirements in which financial institutions will be set to know if you are a good candidate. 1- Job Stability Job stability is essential to be able to access mortgage 100, in employed workers the bank as a whole considers that a buyer is stable when…
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The importance of an energy certification in your new home

The importance of an energy certification in your new home

Whether you have decided to buy your new home or if you want to sell or rent the one you already have, you need an energy efficiency certificate issued by a professional technician. How to achieve the best level of energy certification, we explain it to you? Application for energy certificate An authorized technician will visit the house in order to assess the certification and issue the corresponding certificate. Once the document has been obtained, you will have to register with the corresponding institution of each Autonomous Community. Only in this way will it become official. How to get the best energy…
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Calculate how much it costs to change the floor of your apartment

Calculate how much it costs to change the floor of your apartment

Changing the floor of a flat is a considerable reform, but how much exactly does this change of floor cost? If you are thinking of renewing it you will first have to know an approximate value. The problem is that it will depend on the type of floor you want to place, the dimensions of the house, the state of the current floor ... To get a result as close as possible, enter the data in the following calculator. How much does it cost to change the floor of a flat Square meters of the apartment* Type of floor to be installed*…
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How to paint your bathroom tiles in 5 steps

How to paint your bathroom tiles in 5 steps

Painting bathroom tiles is perhaps the best way to revamp the look of a bathroom with minimal effort. It is surprising the improvement that is achieved by applying a coat of paint. Sometimes we find bathrooms that have very outdated tiles, but we do not take any action for not making a change of tiles. The good news is that there is special paint for bathrooms. With a boat we can modernize the appearance of the walls without having to get into a reform. Let's review the steps you must follow to correctly paint the tiles of your bathroom. Step 1: Clear all…
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5 tips to reform your bathroom without removing the tiles

5 tips to reform your bathroom without removing the tiles

Does your bathroom look like something out of "Tell me how it happened"? Then you'll be looking forward to giving it a facelift. The best thing in these cases is to make a total reform of the bathroom, but this involves doing work and we are not always willing to do it. The good news is that there are alternative solutions to completely renovate the bathroom without the need for a renovation. In this post I will leave you several key ideas to modernize the bathroom and feel that you return to the XXI century. Paint the tiles Antique tiles greatly…
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American or independent kitchen: pros and cons

American or independent kitchen: pros and cons

American kitchen or independent kitchen? It's a question you may be asking yourself if you're looking for a house to move into. The truth is that it is not an easy decision, since both distributions enjoy advantages and disadvantages. So that you are clear about which option is the one you like the most, I have prepared the main advantages and disadvantages of each type of distribution. In addition, at the end you have a comparative table to see everything in a more visual way and help you with your choice. Kitchenette The American kitchen, or open kitchen, is a type of distribution…
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Types of electric heating

Types of electric heating

Heating our home is one of the highest household expenses in general terms. Although we only need it during the winter months, the economic expense that this entails is high, so it is convenient to know well the types of heating that exist. In this post we are going to analyze everything related to electric heating, both its types and the characteristics of each one. What is electric heating? We can fall into the error of thinking that electric heating is only electric radiators, but the truth is that there are several electrical systems to heat the house. We call electric heating any…
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How to tell if a window has a thermal break

How to tell if a window has a thermal break

The window is one of the key elements when we look for a good thermal insulation of the house. Both in the frame and in the glass heat losses occur, so it is important to know how to choose a good window. In particular, thermal break must be taken into account. It is advisable to know what it consists of and the importance it has to isolate our home from outside temperatures. What is thermal break Thermal break (RPT) is the separation that is placed when a material is a good conductor of temperature. In the case of windows, separation is done using…
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How to measure spa filter cartridge for hot tub

How to measure spa filter cartridge for hot tub

By part number A genuine quality hot tub filter will have a part number stamped on the end cap (see example). It can be a Darlly, Unicel, Pleatco or Filbur number. It can even be a part number from the manufacturer. Just find the number printed on your hot tub cartridge, type it into the box, and click the Find My Hot Tub Filter button. By manufacturer Here's another way to find your hot tub filter, when you don't see a part number printed on the end cap, you probably have a filter cartridge from the original equipment manufacturer. We…
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Electrical Connection of a Hot Tub

Electrical Connection of a Hot Tub

Precaution Installation Hot Tubs The installation of the hot tub must be carried out in accordance with local and national requirements on electrical installations. Let the electrical installation always be carried out by an authorized professional. All Cockergreen hot tubs are manufactured to standards and tested to provide the greatest possible protection against electric shock. An improper electrical connection may cause the safe operation of the hot tub to be not guaranteed, or which may cause electric shock, bodily injury or death. In addition, an improper electrical connection can lead to improper operation of the hot tub components, as well…
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Demolition price per m2: how much does it cost to throw a partition

Demolition price per m2: how much does it cost to throw a partition

Many times we launch into making reform plans in our home but we find it difficult to calculate costs. If you plan to throw a partition from your house you will like to know how much it will cost you. Well, so you can get an idea, we have gathered the average price per m2 of the different types of partitions. This way you will know the expense involved in this type of work in your home. What it takes to tear down a wall Since it is not only the process of tearing down the wall, I summarize the main…
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Types of aluminum windows

Types of aluminum windows

Aluminum is one of the most used materials in window profiles. Its great resistance makes it a great option, since it will withstand the weather for many years. However, it must be detailed that there are several types of aluminum windows. Depending on its construction and the type of opening we will find different characteristics. Let's see how each type behaves in the face of temperature, air and noise. Aluminium windows according to profile Although the material is always aluminum there are two types of profiles: without RPT or with RPT. We call RPT to the Thermal Break . I leave you this post in which…
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What color to paint the walls if you have dark furniture

What color to paint the walls if you have dark furniture

The colors in the decoration are very important, since a bad choice of them will make us not be comfortable with our home. It is essential to find balance. When we have a house with dark furniture we must choose with caution the color of the walls. If we paint a color because we simply "like it" it can be a very overloaded or dark room. Let's see some examples of walls combining with dark colors. So you can get an idea of the result and opt for the best painting for your case. Black furniture and white walls It's all about the perfect…
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BENEFITS INFRARED SAUNAS

BENEFITS INFRARED SAUNAS

Energy saving Traditional Sauna: In order to use a traditional sauna a three-phase installation is necessary, so its consumption is approx. 6-8 Kw. per hour depending on the size of it. Due to the high performance oven with which it works, it always requires a 400V connection. On the other hand, before starting the session, you have to turn it on 45 minutes before, so it has a high consumption. Infrared sauna: Only a normal 220V-230V socket base is required for use. so it saves considerably the use of energy. Its consumption is an average of 1.5 to – 2.5…
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Types of fences for plots

Types of fences for plots

Choosing the type of fence to delimit a plot is a decision that you should make calmly. It is a fence that will cover a considerable area and the decision you make will be the final one. Luckily there are many options you have, each offering you its advantages and disadvantages. So that you know what type of fence fits best in your case we will review the different alterantivas. Metal Metal fences are widespread, as it is a material with very good resistance. There are many types of fences available, and depending on the type of fence you are…
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Install Heat Pump in Outdoor Spa

Install Heat Pump in Outdoor Spa

Heating Systems for Outdoor Spa or Swimspa The Heat Pump has become an essential accessory for a Spa or a Swimspa, conventional heaters that bring Standard Outdoor Spas or Swimspas (Swimming against current) are depreciating due to their high consumption of electric current (3000W of Consumption) Now in the year 2019 a new way of heating the water of your outdoor spa or Swimspa (countercurrent swimming) has been born, we have Heat Pumps that consume only 500W of Power and give a heat power of 2,800 Kw, the power consumed is multiplied by 5 From 2019 ask your supplier or…
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Difference between parquet and floating flooring Which is better?

Difference between parquet and floating flooring Which is better?

When remodeling our home it is likely that we face the dilemma of choosing between parquet and floating flooring, since both options are a viable way to place a beautiful and durable wooden floor. Next, we will give you some tips so you know which of them to choose. What is parquet Parquet is a type of floor made with wood that has a top layer, which usually reaches 2.5 millimeters thick. We can also define it as a pavement composed of several pieces of wood, which together can form different motifs or drawings. You can find it in two presentations: solid, that is, composed…
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Differences between reform and rehabilitation of a home

Differences between reform and rehabilitation of a home

Many times we refer to changes in a home as works, but depending on what it entails we will be facing a reform or a rehabilitation project. Since these two concepts are sometimes confused in this post you will find the differences between the two. These are two very different situations, so it is convenient to know the details that differentiate them. What do we call reform When we talk about reforms in a house we are referring to the process of changing the appearance or state of the facilities or elements of the home. When making the reform what is sought is…
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Fiber-Free Cookies for Colonoscopy: A Less Intense Option

Fiber-Free Cookies for Colonoscopy: A Less Intense Option

Fiber-free cookies for colonoscopy have gained great popularity lately. This is because they are a safe option for a colonoscopy. While fiber-rich foods are essential for proper digestion, there are certain foods that should be avoided before a colonoscopy. Fiber-free cookies for colonoscopy are one of these safe options. These cookies are specially formulated to provide a nutritious and safe intake before a colonoscopy. High-fiber foods are those that contain a significant amount of dietary fiber, such as whole foods, fruits, vegetables, and whole grains. These foods should be avoided before a colonoscopy as they can make it difficult for the…
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