Preparation for Costs Before Buying Houses

In addition to preparing a budget to buy a dream house, you need to know the other costs that must be prepared. These other costs related to licensing home interests.You can set the amount of this fee for the six purposes, such as for BPHTB (Bea Acquisition of Rights to Land and Building), the cost behind the name, the notary, fees, insurance and mortgage deed of gift.BPHTB - Refers to article 5 of Law No 21 of 1997, rates charged to the buyer BPHTB is 5 percent of taxable income Acquisition Value (NPOKP) after deducting the value of the acquisition of Object Not Taxable (NPOPTKP). NPOPTKP varies each region.Behind the name - the name behind the cost is the cost to change the ownership status of the seller to the buyer. If you buy a house from a developer, it usually costs under the name already taken care of by the developer. You simply set up the fund, which amount may vary in each region.Notary Public - It's good any transaction relating to land and buildings carried out in front of a notary or an official manufacturer's deed of land (PPAT). This is because it involves the aspects of legality. Generally, the notary will check the legality of the certificate and take care of the house. The cost is also different in each city.Fees - If you buy a house with a mortgage, there are facility fees to be paid to the bank. This fee covers the administrative costs charged to the buyer. The amount of each bank is different, ranging from 1 percent of total loans approved.Insurance - Every house you buy with a mortgage, get insurance coverage. It is important to avoid bad credit in the future. Insurance is generally offered only to protect the bank's assets are still in the process of payment (cicil). While the assets you already own (already repaid) tidakk changed if at any time loss. For that, you can add a policy to protect its assets.Deed of gift mortgage - deed was a buyer to guarantee repayment of bank debt. Costly depending on the nominal mortgage disbursed by the bank. The cost depends on the deed of each area

10 Tips Before "Make Over" Space

Discussion with the family so important to bring about the perception of design, cost, and the division of labor. Limited time is not an obstacle to reset over the weekend.Many of the challenges when you do a reset itself with the family. Especially if time is available only two days on the weekends, Saturday and Sunday. Not only that, the lack of experience and design ideas can sometimes be a hindrance.However, all these shortcomings do not make your back. Remember again, reset is a recreational weekend. Full of joy and mutual help among members of the family. Bonus, new changing rooms longer, more comfortable and livable atmosphere.For all of the dream goes well, the key is only two, namely a mature plan and coordination in the field. For the sake of your convenience, here are 10 plans that we present to you prepared.A. Determine the themeThemes related to the concept of space you want. Function whatever you want to be contained? How patterns of interaction and atmosphere you want built?The concept is certainly useful to provide guidance on the work to be done, materials to be purchased, up to a decor element.2. Reference designTo get the design fit the theme, you can look for references from books, magazines, and internet. You can mark a design that was chosen to be a guide when rearranging. Remember, the one in the picture is not necessarily suitable for housing. We recommend that you consult an architect or designer first.3. Designing a supplemental budgetLong before planning decorations, there you have to know the maximum ceiling of funds to be budgeted. Prepare the unexpected costs, about 10% - 20% of the budget set. It is important that you focus on when looking for a variety of interior elements and the material one of which is not beyond the budget.4. Make a list of itemsOnce the theme and the cost is set, you can now make a list of items to be purchased. Create a clear priority and priority items that can change the mood in an instant. If the soaring price, you can also make furniture or decorative elements that can be customized.5. Detail list of jobsMake a list of what jobs are supposed to do when rearranging. Write down in detail with the description of materials and equipment needed. In addition to expediting the process of renovation, this list will help you in making a budget that normally budgeted by the job.6. Ensure project implementationWork has been determined, it is time you specify the executing. Appropriate for the task capabilities and interests, ranging from severe to father, mother and decor for children, up to a job that requires skill builders. To be more organized in progress, do not forget to appoint a project leader responsible for monitoring the outline of the work.7. Choose the right handymanTo help re-home procedure, you can choose "junior worker" for work that is not crucial, so the cost can be reduced. However, if the job takes skill and precision, an experienced handyman you can make a pledge. However, keep in mind, not to be excessive use of builders waste and cost precisely.8. Management of working timeIn order to work more efficiently, you need to make time management. Talk to a contractor or handyman that you can estimate the time of completion of the work. Do not forget, enter a period of decline as a precaution. You have to remember is, do not make the deadline to complete the work sagging morale in a timely manner.9. Allocation of fundsIt is better to allocate funds more detail. Of your overall budget funds, divide the work into sections for ease in shopping business. From there you can figure that exceeds the amount of funds, equal, or even can be saved. Details of this allocation as an "alarm" expenditures are for you.10. Shopping materialRecord the equipment and any material that you do not have, then take the time to buy. Shopping can be done in the central material of construction materials so that more time-efficient. However, there is nothing wrong if you visit different stores to get the goods in accordance with the taste and cost.Congratulations you to work on weekends!

Humanist learning of Housing Management in Singapore

The problems of urban slums, especially in disaster prone areas and flood plains, arising from land management that have not been going well. Land as a commodity with a limited number of ever-increasing demand led to rising land prices from day to day.Increasingly high prices of land that is the cause of 29.89 million people in Indonesia who are under the poverty line is very limited access to land as a residence. Impact, there are many illegal land pengkavelingan by the lower social classes, especially in disaster prone areas and along the banks of the river that does not have clear ownership of land. In fact, these areas should serve as a water catchment area as a controller of environmental stability. In fact, several parties that have not been fortunate, often forced to use public land such as under bridges or fly over as a residence.Housing and Development BoardProblems of land use along the river today can be said to be more complex. Seizure of land not only occur among people who "can not", but also the seizure of large-scale developer.Indeed, the unique view along the river are considered to be an added value not found elsewhere. On the other hand, a lot of vacant land in the city center which is more worthy of a place to live but have not been utilized, and only a soft objects of land speculators. This indicates, that control land prices and land management in Indonesia has not run as it should.Slightly different from the ownership of land in Indonesia, the country neighbor or Malaysia and Singapore, the land is fully owned by the royal and state. Thus, the monarchy and the state has full control functions of land use. As for land ownership and fulfillment of public housing in Singapore organized by the HDB or Housing and Development Board.HDB was established in 1960, amid the housing crisis that many slums are found in the corners of the city in Singapore. Until now, the HDB has been able to facilitate 82% of the total population of 3.7 million people with 80% and 2% of property leases.Housing development is done with subsidies to residents who earn no more than EUR 8000. The more the number of rooms desired, the lower the subsidy granted. Background understanding of this policy, that the more number of rooms you want translated as the increasing purchasing power of a given population, the smaller the subsidy.Questioned on the provision of housing, ownership housing scheme HDB design tailored to the stages of the life of the population. A single, as a family, might still need a simple small houses on a lease with a partner. Then, when the couple have children, it takes a little house with a larger property. Furthermore, when their children grow up and have a family, a husband and wife will need a small house with access to better health facilities.Phase in human life that is taken into the calculation of housing needs in Singapore. Thus, the housing provided by HDB are classified into three classes that cater for single, family, and elderly citizens with the facilities have been adapted to the prospective owner.Call such as flat, which cater for families built close to the means of education such as elementary school and close to the office to help facilitate the activities of its owner, while the studio apartments reserved for elderly residents, facilitated by greater access to social communities, health facilities, and sports facilities such as jogging track.A wide range of HDB housing provided it is equipped with flat Resell facilities with high prices. This allows people to move house according to the needs and capabilities of each economy. Presumably, this approach is not adopted by Indonesia.In Indonesia, the housing built is adjusted for the family regardless of age and phase of the life of the population. Impact, the construction of supporting infrastructure and facilities to be extravagant, it is not optimal, and not to the point, because all kinds of facilities required to be present in every region of existing settlements.To that end, the strategy should be drawn about how the housing market in Indonesia follow up on it. Secondly it should be the government's main concern in getting decent housing for the residents, the management of land ownership in order to control the gap of land and housing prices are oriented to the needs of the population.

Plus Minus Investing Condominium

As well as a residence, the presence of many projected condo for investment purposes. For investment purposes, then it should be seen for short-term interests and long term.Associate Director of PT Leads Property Service Indonesia, Evie Susanti, in a discussion on "Prospects and Investment Condominium in 2012" in Jakarta, Monday (5/14/2012), explained that the investment of short-term condominium means investors interested in buying before construction, then be sold back after his unit was completed. While long-term investment condo means investors will buy and then sold again in 5-10 years."Both short and long term, investment condo has a rapid return on investment," he said.Evie added advantages of investing in a condo when compared to other investments, stocks for example, has a small risk. According to his observations, to date there is never a condominium resale value falls or cheap."The advantage of a condo investment because the price goes up from year to year. If there is any risk, it's because developers do hold of his project," he said.Investment condos currently supported by the occupancy is not limited to expatriates only. Evie said, local consumers in Jakarta is now being switched to the vertical occupancy for reasons of limited supply of affordable homes. Moreover, he added, consumers who previously attended or are accustomed to living abroad prefer to stay in apartments or condominiums.For investors, Evie adds, there are a few tips on investing condo, such as choosing a location premium. Investors also should not buy a condo from a developer with a number of units very much, and bought as pre-sales, then sold as condominiums are already finished. Condominium for sale by 2-3 years with a profit can reach 80%.

5 Prohibition of Interior Organizing Tiny Houses

a small round house making you more closely to the arrangement. Because if one set it, it happens more and more homes cramped, narrow, and not hospitable.To organize your favorite small house, start with a sharp look at the empty spaces that could be a place to put stuff. For example, the area under the stairs, the stairs themselves, under the sink, or under the bed.In addition, notice of indoor lighting factor. Try to keep the lights give the impression of a formal choice, spacious, and friendly.Inside the small house, the laying of the windows also have the right position, as well as the use of glass in the house in order to make the house look more spacious. Use the window size is not large and not patterned glass. Windows fitted with appropriate positions in order to absorb sunlight, warmth, and help circulate air in the house.Instead, you also choose light colors for the walls. The use of dark colors will give the impression of space is narrower and lethargic. If you love to wear wallpaper, choose a patterned light and light-colored with a pattern of thin lines or thin box. The purpose of the motive is to help rest the eyes.So as not impressive weight and narrow, choose furniture with simple design. Choose furniture with soft colors to produce a broad effect and light.For a touch of nature, enter the natural elements such as potted plants or flowers in the house. You can also use a mirror placed at an angle to give the impression in the room.Based on all of the suggestions mentioned above, you'll want to avoid the interior of a small house that can actually make things worse. Five things you should avoid are:- Placing items of art or display above eye or vision of the average person in general. Place and stacking of these items is approximately 150 feet from the floor.- Avoid using small ornaments or decorations. We recommend that you adjust the options according to the scale of decoration or display space available. Use two-thirds of the width of the wall for the placement of paintings, art objects, other wall accessories.- Avoid placing furniture in a variety of small spaces. Instead, adjust the size of the room with the size and shape of furniture. To get around this is to avoid, you can prepare the room to make room layout.- Avoid grouping similar items are arranged as rows. We recommend that you do not mix up the size, scale, and teksur, but vary the use of ornaments or objects in terms of height to create a tiered height.- You use a desk lamp or reading lamp angle is small. Instead, use a lamp with a high of about 70-80 centimeters.

Reference Direction Facing a Good Home

Ask:Good afternoon..Iam john, was born 3 April 1983 (3 am). My zodiac is the zodiac pig water, mingkua 7. While my husband, Suhendra, born 20 September 1983 (6 am). He is also owner of the pig zodiac water, mingkua 8.A good mother Linda, currently we are looking for a home. Approximately, what guidance can she give to us, such as which direction is good and which ones to avoid? Then, about what elements will be there at home and should not be?Presumably Mrs. Linda can help us. Thank you very much for your attention and reply.Answer:Thank you for your question.Indeed, many of the questions addressed to me with regard to determining the direction of building a suitable or fit to the data of birth, especially for those who want to buy the property. The answer to that question is not simple, because in the setting of the building layout is based on the principles of feng shui that is done through three main stages of the sequence.First, it takes a very comprehensive analysis of the contours of the site plan. If the first stage meets both criteria, then proceed with the second phase, which is planning the layout of the room or floor-plan, especially on the determination of the location of doors, bedroom, kitchen and stove, stairs, septic tanks, wells, water tanks), under the direction facing, as well as the construction period of the property.The third stage, the placement of residents of the bedroom, along with the laying of the data based on the birth of her bed. Thus, the arrangement of floor-plan does not refer to a person's birth date. Each sector should have a good quality of energy for anyone who lives in it.Therefore, I can not answer questions that go to the setting direction toward building a good fit with their birth date.As shown (photos) The following, can you make the guidelines in determining the direction toward the beginning of a good property by flying star analysis. However, it is important for you to understand, that this guide only applies to the determination of direction toward the main door with the assumption: follow the direction toward the door of the property, not to judge good or bad feng shui of a building as a whole.Therefore, if you want to buy a building that was built period of 7 (years 1984-2004), notice the picture on the left. Conversely, if you want to buy a property which was built in period 8, which is 2004-2024, you need to pay attention to the figures on the left.Of my suggestions, avoid buying a property with a direction toward which are in the field of abu-abu/hitam. Choose the property with the direction toward the red or orange.May be useful for you!