.

For Home Buyers

2010-10-17T21:27:00.001-07:00

Have you ever noticed?
Living in Apartment
Paying $800 monthly rent, you pay:
1st Year $9600
2nd Year $19200
3rd Year $28800
4th Year $38400
5th Year $48000
10th Year $96000
15th Year $144000
20th Year $192000

Saving = $0

Paying $1000 monthly rent, you pay:
1st Year $12000
2nd Year $24000
3rd Year $36000
4th Year $48000
5th Year $60000
10th Year $120000
15th Year $180000
20th Year $240000

Saving = $0

Living in own house
• Paying Monthly Mortgage
• Certain Amount goes to Interest and Certain Amount to Principal
• After 5 Years principal grows big – which is your force SAVINGS
• By this 5 years your house price also appreciated

Now you decide, is it worth buying a house???

Are you Searching for Home
Do you need a daily list of homes in your price range, criteria, and location by email?
To start, give me below information for a list of up to 10 homes or condos that match your criteria
All this is free and does not cost you any money at all, nor does it obligate you to purchase a home.
If you are a FIRST time Buyer or simply looking for a home or condo and have many questions about real estate please send me below information and a list of houses will be emailed to you.
To provide you with a free ultimate service its better to meet at a location of your choice (TIMS etc) so I can take down your detailed search criteria.
This service is free and there is no obligation to purchase.

Please Call:
Tulu Ashiquzzaman
Sales Representative
Phone: 647 839 6975
FAX: 416 487 1750
Email: mailtulu@yahoo.ca
Remax Ultimate,Brokerage,
Independently Owned & Operated
1739 Bayview Av, Toronto, ON M4G 3C1

First & Last Name:
Contact Phone:
Email:
Do you currently rent or own:
Your Preferred Location:
Minimum Price:
Maximum Price:
How many Bed Rooms:
How many Bathrooms:
How many Garages:
Home or Condo:
Condo Townhouse or Condo Apartment:
Additional Crierias:

BUYING HOME CHECKLIST
For Buyers this link is very helpful for see closeby schools, shopping mall, worship place and many things:
http://www.neighbourhoodexpert.ca/tulu_ashiquzzaman
If you are buying a home, then, before you decide on whether this home is your dream home, the following checklist will help you look at prospective homes with a critical eye. We suggest printing this page and putting it on a clipboard. When you find a home that really interests you, mark the features you see and note their general condition on this list. Where we've provided choices, fill out in the space and check the box of the one that best describes each home. If you do not know the answers to any question, then make sure to ask your Real Estate Sales Representative. Some technical issues should be established by a home inspector.

Home Location
Address ________________________________________________________
Asking price ____________________________________________________
Annual property tax _____________________________________________
Zoning restrictions _______________________________________________

Exterior of the Home
- Lot size - shape ______________________________________________
- Position of home on lot ________________________________________
- Private or shared drive - condition _______________________________
- Front yard-rear yard __________________________________________
- Landscaping - condition ________________________________________
- Mature trees ________________________________________________
- Home appearance from street __________________________________
- Type of home (two storey, detached, attached) ____________________
- Siding (brick, brick veneer, aluminium, wood) ______________________
- Condition of siding and paint ___________________________________
- Attached or detached garage __________________________________
- One, two, three car garage ____________________________________
- Condition of walkways _________________________________________
- Covered front porch __________________________________________
- Enclosed front porch __________________________________________
- Fenced backyard _____________________________________________
- Privacy _____________________________________________________
- Patio-decking ________________________________________________
- Swimming pool-above ground pool ______________________________
- Storage shed ________________________________________________
- Type of roof - general condition _________________________________
- Type of roof repairs __________________________________________
- What was done to roof ________________________________________
- Do they have receipts ________________________________________
- Eaves trough _______________________________________________
- Type of foundation ___________________________________________
- Structural appearance ________________________________________
- Possible problems? ___________________________________________

Interior of the Home (room sizes can be taken from MLS Listing)
- Separate front hallway ________________________________________
- Guest closet ________________________________________________
- Soundproofing between walls of duplex __________________________

Doors and Windows
- Types of windows (single pane; thermopane) _____________________
- Open and close window without sticking __________________________
- General condition ____________________________________________
- Locks and latches work? ______________________________________

Kitchen
- General size and colours ______________________________________
- Eat-in area _________________________________________________
- Cooking food preparation island ________________________________
- Sufficient cupboard space _____________________________________
- Pantry _____________________________________________________
- Single or double sink-condition _________________________________
- Sufficient counter top area ____________________________________
- Floor type-condition __________________________________________

Basement
- Adequate headroom _________________________________________
- Drained or sump pump _______________________________________

Other Rooms - Features
- Number of bedrooms ________________________________________
- Number of bathrooms _______________________________________
- Fireplace type ______________________________________________
- Signs of moisture ___________________________________________
- Cracks in walls and floors _____________________________________

Recent Renovations
- Done by seller or professional renovator? ________________________

Systems
- Electrical: amperage; fuses or circuit breakers; adequate outlets; general condition; aluminium or copper wiring; meet current codes?
______________________________________________________________

- Plumbing: copper pipes or other material; signs of leaks; recent repairs; age; meet current codes?
______________________________________________________________

- Water service: city supplied or well; if well, drilled or dug? Ever run dry? Water quality recently tested for potability? Capacity; age of pump; size of feeder line from well to house; water agreement?
______________________________________________________________

- Sewer or septic system: if septic, where is septic field? Holding tank and system recently checked?
______________________________________________________________

- Heating type: oil; gas; electric; hot water; baseboard; combination; heat pump; age; recent repairs
______________________________________________________________

- Air conditioning: type (window, central) age; size; recent repairs
______________________________________________________________

- Hot water heater: leased or owned; gas or electrical number of gallons; efficiency; age
______________________________________________________________

- Insulation type: ______________________________________________

- Ask to see copies of recent utility bills: ___________________________

- Cable or aerial TV service: adequate room outlets __________________

- Internet access: High Speed; Dial Up ____________________________

- Other notable features and comments: ___________________________

Community - Close to:
- Schools
- City services
- Medical facilities (doctors, hospitals, dentists)
- Shopping
- Parks
- Playgrounds
- Daycare
- Recreation centre
- Public swimming pools
- Public tennis courts
- Golf course
- Skating rinks
- Hockey arena
- Restaurants
- Theatres
- Public library
- Major roads and highways
- Public transportation
- Possible problems (traffic commuting)

Local Neighbourhood
- Urban, suburban, rural ________________________________________
- Older or newer; estimated age _________________________________
- Types of homes in area (detached, links, townhomes or apartments?
______________________________________________________________
- Age group of area homeowners ________________________________
- Quiet streets ________________________________________________
- Adequate streetlights _________________________________________
- Visible power lines and telephone poles __________________________
- Well maintained homes _______________________________________
- Sidewalks __________________________________________________
- Space between homes ________________________________________
- Adequate street parking _______________________________________

SELLING YOUR HOME - WITH A REALTOR - OR GO IT ALONE
If you have decided that now is the time to sell your home, you might be thinking: should I hire a Real Estate Sales Representative or do it alone. Have you ever considered repairing your own car? Anyone can buy the tools and parts. However, most of us just do not have the knowledge, training, experience or the expertise and commitment of time to do the job properly. Besides, there are plenty of experienced professionals to do the work for us.Want to save commission?If you are tempted to do it yourself and "save" the real estate commissions this article will be of great help to you in making your decision. Selling your home is quite a complex procedure, involving large sums of money, stringent legal requirements and the real potential for very costly mistakes. It requires a tremendous depth of knowledge and experience, as well as substantial amount of time to follow-up on every detail promptly and properly.
Most buyers equate a "For Sale By Owner" sign with a "bargain." They assume you will sell for a discount because you do not have to pay the real estate commissions, and, as a result, they'll probably offer you less than Fair Market Value. Negotiating your price upward to regain even a part of the anticipated commission savings will be difficult at best.

Do you have the time?If you do it alone, how much will you really save when you factor in the considerable time you will have to invest? Without a Real Estate Sales Representative's support, you are the one who will have to write and pay for the ads to market your property, remain available day or night for calls from prospects, run the open houses on weekends and show your property on short notice, screen potential buyers, fill-out the paper work and do the dozens of things required to sell a home. Do you really have the time for all this? And what is your time worth - the time spent away from your family and friends and work?How will you reach potential buyers?Do-it-yourselfers are faced with the problem of how to market their home effectively. How good are you at writing hard hitting advertisements that will stand out from all the others and entice prospects to call you? Where should you run these ads, when, and how often? Do you have the time and patience to handle telephone inquiries? Are you prepared for the cost of advertising - including a professional-looking "For Sale Sign?" Real Estate sales people are experts in effective advertising and cover all these costs as part of their service to you. Moreover, when you work with a Real Estate Sales Representative, your home receives a far-reaching market exposure through the Multiple Listing Service. MLS® is a computer-based system that relays valuable information about your home to a vast network of Real Estate Sales Representatives and potential home buyers in your market area. Remember, the greater exposure the greater the chances for a higher price. Also, most Real Estate Sales Representatives work for real estate companies that have their own websites or real estate online web portals which will feature your listing; these websites are generating thousands of visitors a day.

Do you really know the true market value of your home?Setting a sales price is perhaps the most difficult and yet critical step in the home-selling process. It requires extensive knowledge and training, as well as access to sophisticated market-analysis developed over years of experience. Do-it-yourselfers usually lack these resources and often end up guessing at their asking price.
If you set your asking price too high, many prospective buyers will be frightened off without even seeing the property; too low and you will leave thousands of dollars on the negotiating table needlessly. One of your Real Estate Sales Representative's most important roles will be helping YOU decide upon and negotiate a realistic asking price for your home that meets your sales objectives.

Are you ready to "pre-screen" every prospect?
Do-it-yourselfers are faced with the challenge of interviewing every person who responds to their ads or "For Sale Sign." How do you go about this arduous task without offending those who are clearly not serious or qualified buyers - and yet protect your own interests and security? Do you have the skills and experience to ask the right questions over the phone before you let a prospect visit? How are you going to find out whether they are really qualified to purchase in your home's asking price range?

Pre-screening prospects is absolutely necessary to weed out the "looker" from serious buyers. Your Real Estate Sales Representative knows how to do this effectively, saving you many hours of time and quite a few headaches.

How are you at selling and negotiating?
Selling real estate is considerably different from selling most other products or services. Many do-it-yourselfers attempts to over-sell, smothering the buyer with every detail and nuance about the property. Few understand the subtle differences between a home's features and the potential benefits to the buyer. Few know how to ask the right questions and uncover the buyer's true needs and wants. Even fewer know how to complete the sale successfully through firm, impartial negotiation.

Real Estate Sales Representatives are skilled intermediaries with considerable ability to market your home successfully. Would you not feel a lot more comfortable knowing an experienced Real Estate Sales Representative is on your team negotiating the Highest Price Possible for your home?

Are you up-to-date on real estate laws?
Remember when you bought your home and had to deal with all these papers thrust in front of you for your signature? Well, selling your home is equally complex from a contractual and legal standpoint. If you attempt to sell it yourself, you will either have to prepare all your own legal documents when an offer comes in, or translate the language in the offer presented from the buyer. In the excitement of receiving an offer, are you confident you will be able to recognize terms and conditions that are not in your best interest, or worse, are legally risky? Real Estate Sales Representatives know how to protect you from these potential legal pitfalls, and will work to help ensure your interests are properly protected.

Let a Real Estate Sales Representative help you sell your home.Most of those who sell their homes do so with the assistance of Real Estate Sales Representatives. Of those that try to do it themselves, most change their minds and end up going with a real estate professional, because the process is too complex, too time consuming, and too dangerous without the help of a professional. Working with a licensed professional to sell your home, someone who is a member of a Real Estate Association, entitles you to an exceptionally broad range of services and benefits unavailable to do-it-yourselfers.

SELLING YOUR HOME - WITH A REALTOR - OR GO IT ALONE

2009-07-02T23:29:00.000-07:00

If you have decided that now is the time to sell your home, you might be thinking: should I hire a Real Estate Sales Representative or do it alone. Have you ever considered repairing your own car? Anyone can buy the tools and parts. However, most of us just do not have the knowledge, training, experience or the expertise and commitment of time to do the job properly. Besides, there are plenty of experienced professionals to do the work for us.Want to save commission?If you are tempted to do it yourself and "save" the real estate commissions this article will be of great help to you in making your decision. Selling your home is quite a complex procedure, involving large sums of money, stringent legal requirements and the real potential for very costly mistakes. It requires a tremendous depth of knowledge and experience, as well as substantial amount of time to follow-up on every detail promptly and properly.
Most buyers equate a "For Sale By Owner" sign with a "bargain." They assume you will sell for a discount because you do not have to pay the real estate commissions, and, as a result, they'll probably offer you less than Fair Market Value. Negotiating your price upward to regain even a part of the anticipated commission savings will be difficult at best.

Do you have the time?If you do it alone, how much will you really save when you factor in the considerable time you will have to invest? Without a Real Estate Sales Representative's support, you are the one who will have to write and pay for the ads to market your property, remain available day or night for calls from prospects, run the open houses on weekends and show your property on short notice, screen potential buyers, fill-out the paper work and do the dozens of things required to sell a home. Do you really have the time for all this? And what is your time worth - the time spent away from your family and friends and work?How will you reach potential buyers?Do-it-yourselfers are faced with the problem of how to market their home effectively. How good are you at writing hard hitting advertisements that will stand out from all the others and entice prospects to call you? Where should you run these ads, when, and how often? Do you have the time and patience to handle telephone inquiries? Are you prepared for the cost of advertising - including a professional-looking "For Sale Sign?" Real Estate sales people are experts in effective advertising and cover all these costs as part of their service to you. Moreover, when you work with a Real Estate Sales Representative, your home receives a far-reaching market exposure through the Multiple Listing Service. MLS® is a computer-based system that relays valuable information about your home to a vast network of Real Estate Sales Representatives and potential home buyers in your market area. Remember, the greater exposure the greater the chances for a higher price. Also, most Real Estate Sales Representatives work for real estate companies that have their own websites or real estate online web portals which will feature your listing; these websites are generating thousands of visitors a day.

Do you really know the true market value of your home?Setting a sales price is perhaps the most difficult and yet critical step in the home-selling process. It requires extensive knowledge and training, as well as access to sophisticated market-analysis developed over years of experience. Do-it-yourselfers usually lack these resources and often end up guessing at their asking price.
If you set your asking price too high, many prospective buyers will be frightened off without even seeing the property; too low and you will leave thousands of dollars on the negotiating table needlessly. One of your Real Estate Sales Representative's most important roles will be helping YOU decide upon and negotiate a realistic asking price for your home that meets your sales objectives.

Are you ready to "pre-screen" every prospect?
Do-it-yourselfers are faced with the challenge of interviewing every person who responds to their ads or "For Sale Sign." How do you go about this arduous task without offending those who are clearly not serious or qualified buyers - and yet protect your own interests and security? Do you have the skills and experience to ask the right questions over the phone before you let a prospect visit? How are you going to find out whether they are really qualified to purchase in your home's asking price range?

Pre-screening prospects is absolutely necessary to weed out the "looker" from serious buyers. Your Real Estate Sales Representative knows how to do this effectively, saving you many hours of time and quite a few headaches.

How are you at selling and negotiating?
Selling real estate is considerably different from selling most other products or services. Many do-it-yourselfers attempts to over-sell, smothering the buyer with every detail and nuance about the property. Few understand the subtle differences between a home's features and the potential benefits to the buyer. Few know how to ask the right questions and uncover the buyer's true needs and wants. Even fewer know how to complete the sale successfully through firm, impartial negotiation.

Real Estate Sales Representatives are skilled intermediaries with considerable ability to market your home successfully. Would you not feel a lot more comfortable knowing an experienced Real Estate Sales Representative is on your team negotiating the Highest Price Possible for your home?

Are you up-to-date on real estate laws?
Remember when you bought your home and had to deal with all these papers thrust in front of you for your signature? Well, selling your home is equally complex from a contractual and legal standpoint. If you attempt to sell it yourself, you will either have to prepare all your own legal documents when an offer comes in, or translate the language in the offer presented from the buyer. In the excitement of receiving an offer, are you confident you will be able to recognize terms and conditions that are not in your best interest, or worse, are legally risky? Real Estate Sales Representatives know how to protect you from these potential legal pitfalls, and will work to help ensure your interests are properly protected.

Let a Real Estate Sales Representative help you sell your home.Most of those who sell their homes do so with the assistance of Real Estate Sales Representatives. Of those that try to do it themselves, most change their minds and end up going with a real estate professional, because the process is too complex, too time consuming, and too dangerous without the help of a professional. Working with a licensed professional to sell your home, someone who is a member of a Real Estate Association, entitles you to an exceptionally broad range of services and benefits unavailable to do-it-yourselfers.

SELLING YOUR HOME:WHEN IS THE RIGHT TIME?

2009-07-02T23:26:00.001-07:00

When should I sell my home?
Your answer to this question might be right now! If you have taken a job in another city or made an offer on a new home, or had an addition to your family, selling your home fast might be the most important goal you have. Most people, however, have some flexibility when they sell their home. Let us take a closer look at the most important factors that can go into this decision.

How quickly must you sell?
If you have decided that now is the best time for you to sell your home, then, you will probablywant to complete the process as soon as possible, but will also want to sell your home at the highest price possible. In a "sellers market", where many buyers are competing for relatively few homes, speed and top price can go hand in hand.

However in a "buyers market", when purchasers can take their time to choose among several properties, you may discover there is a trade-off between speed and price. Discuss your specific requirements with a Real Estate Sales Representative, who can help you decide upon an asking price that will also help you meet your timing requirements.

Cycles in the market place - what do they mean?
In real estate it is important to know that over the long term, residential real estate is one of the best investments you can make, while providing you and your family with shelter. There are cycles in the market that may affect your decision regarding when to sell. These cycles can create a shortage of homes, which will push up the prices, or a surplus which can result in a slowdown of rising prices.

What drives these cycles - the overall economy is most obvious. In periods of economic growth when employment is strong and people have confidence about their futures demand for housing grows and is high. When, however, there is a slow down in the economy and unemployment is high, - more homes will come on the market, and buyers will typically wait for times to improve. Keep in mind that these economic fluctuations can be national in scope or affect only certain pockets of the country.

Changing interest rates also influence real estate market cycles. When interest rates rise, fewer people can qualify for any given mortgage amount and demand drops - making it tougher to sell your home, or obtain the price you want. The same is true when interest rates fall, more people can afford to a buy home or qualify for financing so the demand for housing increases.

Does all this mean you need to be an economist to determine when it is the best time to sell? Not at all! But staying aware of the things that influence the cycles in real estate will help you decide when to place your home on the market.

The Seasons of home sales
Seasons also affect buyer demand and in turn, how long it will take to sell your home or the price you can obtain. For example, fewer buyers may be willing to trod through snow drifts (if you live in area with winter climate) to look at homes, but you will also be competing with fewer homes on the market.

Conversely, spring tends to be an active time for real estate sales. Homes and gardens start to look good and again buyers will come out of hibernation and begin the home hunting process. Parents with school children particularly like the spring and are likely to buy a home. Homes are sold throughout the year, so think of the seasons as only one factor in determining when the best time to put your home on the market.

BUYING HOME CHECKLIST

2009-07-02T23:08:00.001-07:00

For Buyers this link is very helpful for see closeby schools, shopping mall, worship place and many things:
http://www.neighbourhoodexpert.ca/tulu_ashiquzzaman
If you are buying a home, then, before you decide on whether this home is your dream home, the following checklist will help you look at prospective homes with a critical eye. We suggest printing this page and putting it on a clipboard. When you find a home that really interests you, mark the features you see and note their general condition on this list. Where we've provided choices, fill out in the space and check the box of the one that best describes each home. If you do not know the answers to any question, then make sure to ask your Real Estate Sales Representative. Some technical issues should be established by a home inspector.

Home Location
Address ________________________________________________________
Asking price ____________________________________________________
Annual property tax _____________________________________________
Zoning restrictions _______________________________________________

Exterior of the Home
- Lot size - shape ______________________________________________
- Position of home on lot ________________________________________
- Private or shared drive - condition _______________________________
- Front yard-rear yard __________________________________________
- Landscaping - condition ________________________________________
- Mature trees ________________________________________________
- Home appearance from street __________________________________
- Type of home (two storey, detached, attached) ____________________
- Siding (brick, brick veneer, aluminium, wood) ______________________
- Condition of siding and paint ___________________________________
- Attached or detached garage __________________________________
- One, two, three car garage ____________________________________
- Condition of walkways _________________________________________
- Covered front porch __________________________________________
- Enclosed front porch __________________________________________
- Fenced backyard _____________________________________________
- Privacy _____________________________________________________
- Patio-decking ________________________________________________
- Swimming pool-above ground pool ______________________________
- Storage shed ________________________________________________
- Type of roof - general condition _________________________________
- Type of roof repairs __________________________________________
- What was done to roof ________________________________________
- Do they have receipts ________________________________________
- Eaves trough _______________________________________________
- Type of foundation ___________________________________________
- Structural appearance ________________________________________
- Possible problems? ___________________________________________

Interior of the Home (room sizes can be taken from MLS Listing)
- Separate front hallway ________________________________________
- Guest closet ________________________________________________
- Soundproofing between walls of duplex __________________________

Doors and Windows
- Types of windows (single pane; thermopane) _____________________
- Open and close window without sticking __________________________
- General condition ____________________________________________
- Locks and latches work? ______________________________________

Kitchen
- General size and colours ______________________________________
- Eat-in area _________________________________________________
- Cooking food preparation island ________________________________
- Sufficient cupboard space _____________________________________
- Pantry _____________________________________________________
- Single or double sink-condition _________________________________
- Sufficient counter top area ____________________________________
- Floor type-condition __________________________________________

Basement
- Adequate headroom _________________________________________
- Drained or sump pump _______________________________________

Other Rooms - Features
- Number of bedrooms ________________________________________
- Number of bathrooms _______________________________________
- Fireplace type ______________________________________________
- Signs of moisture ___________________________________________
- Cracks in walls and floors _____________________________________

Recent Renovations
- Done by seller or professional renovator? ________________________

Systems
- Electrical: amperage; fuses or circuit breakers; adequate outlets; general condition; aluminium or copper wiring; meet current codes?
______________________________________________________________

- Plumbing: copper pipes or other material; signs of leaks; recent repairs; age; meet current codes?
______________________________________________________________

- Water service: city supplied or well; if well, drilled or dug? Ever run dry? Water quality recently tested for potability? Capacity; age of pump; size of feeder line from well to house; water agreement?
______________________________________________________________

- Sewer or septic system: if septic, where is septic field? Holding tank and system recently checked?
______________________________________________________________

- Heating type: oil; gas; electric; hot water; baseboard; combination; heat pump; age; recent repairs
______________________________________________________________

- Air conditioning: type (window, central) age; size; recent repairs
______________________________________________________________

- Hot water heater: leased or owned; gas or electrical number of gallons; efficiency; age
______________________________________________________________

- Insulation type: ______________________________________________

- Ask to see copies of recent utility bills: ___________________________

- Cable or aerial TV service: adequate room outlets __________________

- Internet access: High Speed; Dial Up ____________________________

- Other notable features and comments: ___________________________

Community - Close to:
- Schools
- City services
- Medical facilities (doctors, hospitals, dentists)
- Shopping
- Parks
- Playgrounds
- Daycare
- Recreation centre
- Public swimming pools
- Public tennis courts
- Golf course
- Skating rinks
- Hockey arena
- Restaurants
- Theatres
- Public library
- Major roads and highways
- Public transportation
- Possible problems (traffic commuting)

Local Neighbourhood
- Urban, suburban, rural ________________________________________
- Older or newer; estimated age _________________________________
- Types of homes in area (detached, links, townhomes or apartments?
______________________________________________________________
- Age group of area homeowners ________________________________
- Quiet streets ________________________________________________
- Adequate streetlights _________________________________________
- Visible power lines and telephone poles __________________________
- Well maintained homes _______________________________________
- Sidewalks __________________________________________________
- Space between homes ________________________________________
- Adequate street parking _______________________________________