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  • Design Ideas For Your Balcony

    Whether you live in a condominium, apartment or house, you dont have to limit landscaping to the interior of your residence. You can extend your landscape design to your balconies as well, no matter how small they are. Here are some tips for you to have a luxurious design for your small or spacious terrace.

    Design tips for a small balcony

    Just because you have a small terrace doesnt mean you dont have the option to decorate it anymore. As long as you have access to your terrace, you still can decorate it and make it look beautiful and have a homey and cozy feeling.

    1. You can enjoy a warm breakfast outside on your balcony. How? You can purchase a few outdoor rugs and place them on your balcony however, you have to make sure that the colors of the outdoor rugs that you choose compliment and go with the color of your furniture and the rest of your house. On top of the rug, you can place a small, adorable table with matching small chairs or perhaps even reclining ones so that you can enjoy a hearty breakfast under the sun. You can even use pillows or maybe even a bean bag as chairs on your balcony, however, you have to cover them with plastic whenever you are not using them so that they will not get dirty.

    2. If the tiny space on your terrace allows, you may even go shopping for outdoor fountains, however, make sure that you get the one that can fit on your balcony. Having an outdoor fountain on your terrace will make the atmosphere even more comfortable and peaceful, because you can just lay back, close your eyes and listen to the trickling water from your fountain and other forms of nature ring around you.

    3. Put a few potted plants on your terrace. Their size depends entirely on you, as long as your balcony will still have some space after you are done decorating it. You can even opt for the plants that can be hung on the wall; this actually is a better option in terms of space. You can even have hanging baskets to further enhance your outdoor design.

    Design tips for a large balcony

    If you have a large terrace, you can go all out on its design and landscaping because you dont need to worry about the space. However, dont overdo it too much that it will end up looking congested and not beautiful.

    1. You can have larger outdoor fountains, however, its size still depends on how big your terrace is.

    2. You can also apply the idea of tables and chairs mentioned previously in the tip above, but you dont have to limit yourself to small sizes.

    3. Since your terrace is large, dont buy too many outdoor rugs. You may only opt for at two at the most one for the tables and chairs to rest on and the other you can place in front of the entrance door to the interior of your residence. Again, as previously mentioned, you have to make sure that the colors of the outdoor rugs you choose go well with the colors of the rest of your house.

    4. The advantage in having a spacious balcony is you can have larger plants and flowers.

    Once youre done decorating, your terrace can even be your open-air lounge whenever you feel like having some fresh air. Fresh air is good for your health, and being able to have a beautiful, nature-friendly surrounding while getting fresh air is a bonus!

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  • Mortgage California Lenders

    You certainly have standards when looking for mortgage lenders in California. Mortgage California lenders too have standards when they are looking at you. Comprehending the whole concept lenders use to inspect you can make appropriate finding that right mortgage a much easier task.

    Your history of credit and correlating FICO scores are two of the most essential concept mortgage lenders acknowledge when checking out a loan application. Some dents in your credit history may be remediable. Scores related to FICO can also be raised, but that may take a very long time. Preserving a good credit score is quite convenient than remolding a poor one. Even the best people, though, encounter difficult times that influence their credit capability. The perfect thing to do when initiating your analysis for a mortgage lender is to make sure you put yourself in the best possible financial standpoint. You also have to make sure that you are current on your bills and pay down your credit cards as much as possible. A few points on your FICO score may not seem like much but in this market but it could mean the difference in getting that dream home you are actually looking for.

    You must be well aware about your credit history before you actually apply for mortgage California:

    With the customary home amount in California over $500,000, this will be the biggest investment of your life that might have ever made. Before you engage for a loan, take a precise look at your current financial condition. An important analysis of your credit history can cut down on your precious time that you have already wasted with the wrong type of lender in the past. Potential customers with poor credit should not automatically assume that you can only qualify for a high rate of interest, high fee mortgage. There are many other different levels of sub prime credit. Less severely corrupt credit can sometimes be healed by paying points or with a larger amount of down payment.

    Getting precise details from several different mortgage lenders gives you a chance to find the lowest cost mortgage package accessible. Tracking down other lenders is obviously time consuming; you also can’t be sure about facts that you are getting a good cross section of mortgage companies. Many of the top online mortgage standard sites give you an easy access to a large nationwide network of lenders, not just California companies. Associating an online analysis with your local bank authorizes you to get a good idea as to what is available to you in the current market. This will allow you to make the determination as to which lender will offer you with the perfect and an excellent loan at the lowest prices for your Mortgage California home.

    California has been a high profile state during the current turmoil in the mortgage industry Mortgage California

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  • What You Need To Know About Singapore Condominium

    Singapore condominium commonly known as condo is a multiple projects where individual units get sold. Buying a condominium unit means owning everything between the bars of that particular unit. However, you share the ownership of other common properties such as club house, elevators, swimming pool, tennis courts, gymnasium and other joint facilities with other owners of condominium.

    In the recent years, many people are adopting the condominium way of owning a house. However, Singapore condominiums differ according to the market segments. Different people have different taste and also the financial abilities of buyers; fact well known by the investors.
    There are the ordinary condominiums mainly situated in the suburban places but have good communal services. Such condominiums normally have average pricing to enable many buyers who wish to change from public to private housing. Under this group, there is another set of condos known as Executive Condominiums (EC). This is a combination of private and public housing which was created by Singapore government. These condominiums have a lower price compared to private ones in order to enable many people and especially the young professionals aspiring to own a house but find the price too high. However, there are some rules governing the Executive condominiums which include a minimum of five year occupancy duration by the occupant before being permitted to resell.
    The other one is middle class Singapore condominiums. Basically, these are situated close to city fringes and other areas such as Tanjong Thu and Newton Novena. They are very popular because they are located close to middle of the city where entertainment and business hubs are. In addition, they have various types of themes which attract successful yuppies and professionals.

    Finally, there comes the luxury category of condominiums which cater for people with good financial status. These types of condominiums are situated in the major districts such as Sentosa, Orchard Road and Keppel Bay. They are for people who do not only desire to own a home, but those with exclusive lifestyle which fits their status.

    Investors of these luxury condos put all efforts to ensure that homeowner enjoys the best quality in regard to fittings, finishing and fixtures. TP180 is just an example you will need not ignore. Amenities and facilities are first class with modern architectural themes and designs which bring out the condos uniqueness.

    Having a good understanding of various classes of Singapore condominiums will assist you in narrowing down your hunt. You dont have to waste much time looking for projects which doesnt fit in your budget. In case you are searching for a condominium to buy, it is very easy to know which group it belongs just be its location and also the investors way of advertising.

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  • other-Reversionary Property Investment

    When it comes to building a diversified property portfolio, many investors consider a reversionary property investment. Especially beneficial for the medium and long-term, a reversionary property is a good option as it offers a host of advantages. The fact that its unheard of for property prices to decline 50% below their current value makes investing in a reversionary property worth considering.

    What is a reversionary property investment?

    A reversionary property offers potentially high returns. Reversionary property investing refers to the process where an investor purchases the reversionary interest in another persons property, typically their home. This means they are purchasing the rights to own the property upon the death of the owner or when he vacates. In short, the property reverts to the buyer.

    Types of reversionary properties

    There are two types of reversionary properties: tenanted and untenanted. Tenanted is when the homeowner stays in the premises while untenanted is when the seller isnt residing in the house. In the second type, the buyer can choose to rent out the property.

    How do you obtain a reversionary property?

    In a reversionary property investment, you simply buy a residential property from a homeowner at a significantly discounted price usually around 50% of its value, depending on the sellers age and the propertys location and features. Payment can either be made through cash lump sum or in monthly instalments or a combination of both. When payment has been handed over, the homeowner continues to reside in the property as a rent-free tenant with full legal rights to stay in the house.

    As long as he continues to stay in the house, he will be responsible for the general maintenance of the property, the utility bills, building insurance premiums and capital tax. Basically, reversion investments are a bet on the life expectancy of the homeowner. Meanwhile, the buyer of the property pays the monthly reversionary annuities until the death of the homeowner. When the homeowner dies or when he decides to leave, the propertys ownership reverts to the buyer.

    Who benefits from a reversionary property investment?

    Both the homeowner and the buyer benefit from a reversionary property. The homeowner-seller receives additional income in the form of a cash lump sum or monthly payments which could significantly supplement his pension. The setup will also provide him a lease that will endure until he passes away and he is freed from the responsibility of shelling out big payments such as land tax. In addition, he doesnt have to put up with the usual anxiety associated with selling his own property or moving out, allowing him a stable and secure state of mind.

    For the buyer, the reversionary property presents an excellent opportunity for him to acquire a property at a huge discount. Most of these reversionary properties are apartments, studio flats, villas and commercial buildings situated in prime spots thus making them well-suited for buy to lets.

    A reversionary property investment is certainly one of the least bothersome ways for any property investor to invest.

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  • What’s the best way to give money now

    Giving gifts to family and charity while you’re alive can be a boon to them – and your estate.

    Estate planning isn’t just about how you want your assets distributed after you die. It’s about deciding how much you want to give away while you’re still alive. If you plan carefully – so you don’t outlive your assets – giving allows you to reduce your taxable estate and provide advance help to your beneficiaries.

    There are two easy ways to give gifts without incurring the gift tax:

    You may pay an unlimited amount in medical or educational expenses for another person, if you give the money directly to the institutions where the expenses were incurred. You may give up to $13,000 a year in cash or assets to as many people as you like.

    Anytime you give more than $13,000 annually to any one person you must file a gift-tax return and the excess amount will be applied toward your lifetime gift-tax exclusion of $1 million.

    If at any point your gifts exceed that exclusion, you will have to pay gift tax on the excess amount. There is some good news in that regard. The top tax rate on gifts is gradually declining and will fall to 35 percent by 2010.

    Keep in mind, too, that gifts you give within three years of your death that exceed the lifetime gift-tax exclusion will reduce the amount of money you may leave to your heirs free of federal estate taxes, according to certified public accountant P. Jeffrey Christakos of First Union Securities in Westfield, N.J. For example, if you give away $100,000 more than your lifetime exclusion within three years of your death, your estate-tax exemption will be reduced by $100,000.

    If you want to invest in a 529 college savings plan for a beneficiary, contributions are treated as gifts. You may put in as much as $65,000 in one year ($130,000 with your spouse), but that contribution will be treated as if it were being made in $13,000 installments over five years.

    That means you can’t give any more money to that beneficiary tax-free during that five-year period. Should you die before the five years are up, part of the money you gave will be included in your taxable estate, specifically the $65,000 minus $13,000 for each year you were alive.

    The tax consequence of making large gifts can get complicated. So if you have a large estate, consult with your financial or tax planner to see how much giving you can do without triggering a big tax bill. Charitable donations are another way to reduce your estate. By investing in charitable gift funds and community foundations, those donations can stretch beyond your death.

    Charitable gift funds, which are offered by Fidelity, Vanguard and others, permit you to make a tax-deductible donation, grow your investment tax-free, and then direct a contribution – in your name – to nonprofits of your choosing whenever you like.

    Community foundations are regionally based charities that take donations of as little as $5,000 in cash, stock or property. The foundations invest that money, pool the gains, and allocate grants, usually to local nonprofits. In most cases, you may either have the foundation give money to organizations you choose or ask the foundation to locate a worthy recipient for a cause you like.

    You also can set up what’s known as a charitable lead trust, from which a charity receives the income and your heirs the principal; or a charitable remainder trust, in which your heirs get the income and the charity gets the principal.

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  • Advantages Of Video Surveillance Systems

    When you’re ready to install a digital video surveillance security camera system to your home or business you can rest assured you’re about to feel a whole lot safer. People install these security camera systems for so many different reasons. No matter what your reason, the one thing everyone can agree about is how good you feel when your property is protected. You can install one of these security camera systems to monitor the activities of your business while you are away. You can also monitor the activities of your home, such as the safety of your children or your pets while you are away. You can even arrange for a motion detector to alert you via pager or e-mail when there is a disturbance at your home or business.

    Digital video security camera systems are easy to install. In fact, it takes less than a few minutes to determine the system that’s right for you, and have it installed in your home or business. Some government security camera systems take a little longer to install, as they tend to be more complicated, and tend to cover a much larger area.
    The great thing about digital video is the quality of the signal that is transmitted and recorded. Another great thing is variety of features available with digital video recorders, such as: High resolution Hard Disk Storage, Date/Time or Event or Segment search, built in multiplexer that allows simultaneous recording of multiple security cameras. Both of these factors provide you with a top of the line security camera system for protecting your property.

    Availability: There was a time when video surveillance was used only in big malls and shopping centers. These days, you can see CCTVs almost any place you go, from a small shop to homes and religious centers. Thus, they ensure greater public safety at a fraction of the cost.

    Real time monitoring: Traditionally, large companies have always enjoyed the benefits of video surveillance manned by security experts. In the past, the events captured on video were used to uncover important information and act as evidence after the event had occurred. But, newer technologies allow users to monitor and respond to alarms in real time.

    Remote access: One of the biggest benefits of modern video surveillance programs is the fact that they can be accessed from a number of remote locations through various devices like a PC, PDA or even the cell phone. So, no matter where you are, you get the message.
    Proactive: A new network of video surveillance programs has allowed organizations to take proactive control of their security. With these changes, for the first time, individuals and businesses have an opportunity to be actively involved in their risk management and loss mitigation. Many businesses are therefore introducing highly sophisticated video surveillance programs so they can protect people and assets, minimize liabilities and avoid trivial lawsuits.

    High quality images: Another important advantage of using video surveillance is the ready availability of evidential quality video and audio footage. In the unfortunate situation where security has been breached, this evidence becomes vital in nailing down perpetrators and collecting information.

    Video surveillance becomes even more powerful when companies and organizations move away from implementing surveillance as an end in itself to working out a broad policy of how video can be used strategically in the day to day running of the business. When video surveillance becomes a part of the organizational culture, businesses can realize significant benefits in terms of security, employee productivity and improved bottom lines.

    Protecting Security Cameras from the weather isnt just about stopping them from becoming damaged, theres also the issue of image quality. If weather conditions are likely to become severe, or lighting conditions are poor, Infra Reds can offer a solution. They need very little light to capture images. Many top end Outdoor Cameras will auto adjust shutter speed, in response to changes in light conditions.. Thus providing a more superior image quality. Another feature available is day and night mode, with these Cameras you can manually change settings, depending on light conditions. Not so convenient as the auto adjusting models, but very useful nevertheless. Usually, these models have the Infra Red function ability, and also have motion detectors. Many Outdoor Cameras fall short with regards to night viewing. Pan / Tilt cameras will provide much more coverage, eliminating blind spots, the main disadvantage of fixed cameras. It depends on your needs, but there are certain features which would be best to invest in. If you really want to ensure your homes protected.

    When you’re ready to install a digital video surveillance security camera system to your home or business you can rest assured you’re about to feel a whole lot safer. People install these security camera systems for so many different reasons. No matter what your reason, the one thing everyone can agree about is how good you feel when your property is protected. You can install one of these security camera systems to monitor the activities of your business while you are away. You can also monitor the activities of your home, such as the safety of your children or your pets while you are away. You can even arrange for a motion detector to alert you via pager or e-mail when there is a disturbance at your home or business.

    Digital video security camera systems are easy to install. In fact, it takes less than a few minutes to determine the system that’s right for you, and have it installed in your home or business. Some government security camera systems take a little longer to install, as they tend to be more complicated, and tend to cover a much larger area.
    The great thing about digital video is the quality of the signal that is transmitted and recorded. Another great thing is variety of features available with digital video recorders, such as: High resolution Hard Disk Storage, Date/Time or Event or Segment search, built in multiplexer that allows simultaneous recording of multiple security cameras. Both of these factors provide you with a top of the line security camera system for protecting your property.

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  • Prospecting Letter Tips in Commercial Real Estate Brokerage

    There are a number of ways to prospect in commercial real estate. One of the more effective ways to do that is to send prospecting letters to key people and targets in your area. If this is something that is attractive to you in prospecting, then you will need to understand the letter system and implement it correctly.

    The secret behind the success of the letter process is to make them relevant to the marketplace, and provide valuable insights to market conditions and trends. Over time, and through sending plenty of letters in a 90 day contact cycle, you are perceived as a market leader that should be considered when it comes to any new listing in the local area. That is when you will get a good share of invitations to present and pitch on listings.

    Most clients and prospects want to use the best agent with the ‘runs on the board’. Prospecting letters set up that image and branding. Some agents believe that this is the only way to prospect. They would be wrong, particularly because this process takes many months if not years of consistent action to get the results coming back to you. Over a period of 12 months you should be sending 4 letters in a staged process. Every letter will have a new story or message to tell.

    This letter based prospecting system is in addition to your cold calling, door knocking, and referral business. So you will have the other things to activate and run in parallel to your letter system.

    Here are some rules to help you set up this valuable networking and prospecting process:

    Letters should be sent to the right people by type and location. In this way you can judge the feedback and inbound enquires. Create letters for Sales, Leasing, and Property Management. That then helps you with relevance in each letter sent.

    Follow up your letters wherever possible. Use the letters as triggers to make calls. They turn a ‘cold call’ into a ‘warm call’.

    Letter frequency will always be important. At a minimum your letters should be going to the same people every 90 days. You can shorten that cycle to 60 days if you wish.

    Track the conversations and enquiries that you get back from the campaigns. That will help you understand what works and how you can improve on that.

    Meaningful messages should be created for each letter. Understand the ‘pain factors’ in the market today that apply to sales, leasing, and property management. Write the letters to the challenges that property owners and occupiers are suffering. Offer solutions.

    Success letters should be sent to all businesses and property owners around each completed listing.

    Marketing letters should be sent around all quality listings.

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  • The Dallas Condominium Market Continues To Surge

    Someone forgot to tell Dallas that the real estate market has cooled off.

    This booming, major metropolitan area has enjoyed phenomenal growth in the condominium sector thanks, in part, to its four-star restaurants, unsurpassed cultural activities, world-class shopping, a flourishing financial and business district and a spectacular skyline, all of which have attracted young professionals and baby boomers looking for a simplified, exciting lifestyle.

    Old industrial sights and abandoned neighborhoods have given way to condo living at its finest throughout Dallas. Much of the growth has been attributed to Dallas efficient, light rail system, which allows professionals to ditch the car in favor of more resourceful means of transportation. What could be better than residing in a high-rise, luxury condominium, just steps from all of the excitement and opportunities of the city? Well, how about a panoramic, city view. Or a putting green. Or a rooftop, saltwater swimming pool. Or a full-service spa. Yep, this is what condo living in Dallas is all about.

    Whether you enjoy Uptowns trendy, urban district with chic restaurants and high-profile developments, or the art galleries, retail shopping and efficient transportation of the Downtown area, luxury condominiums are catering to young, urban professionals and empty nesters searching for their slice of the condominium pie. And condominium developers are not shy when it comes to catering to their residents. Twelve foot ceilings, hardwood floors, gourmet kitchens and stainless steel appliances are the norm. Its those other resort-style amenities, like private movie theaters, state-of-the-art fitness centers and acclaimed gourmet restaurants that developers are bringing to the table in hopes of standing apart from the crowd.

    And a crowd it is. From Victory Park, to the Arts District, to Turtle Creek, Oak Lawn and Highland Park, condominiums are abundant and thriving. The Residences at Hotel Palomar, for example, located in the upscale, Park Cities community, is a luxury condo and loft community out to impress. This condominium community, aptly named by its developers as an urban resort, features over 70 condos on 5.3 acres of land. A full-service spa, gourmet restaurants, boutiques, courtyard villas and the four-star, Hotel Palomar are just a few of the reasons why prices can range anywhere from $300,000 to $2.3 million.

    Victory Park is home to the W Dallas Victory Residences, a new condominium high rise which offers stunning, modern architecture with world-class interior designs, floor-to-ceiling windows and expansive terraces with awe-inspiring views. With prices ranging anywhere from $400,000 to $7 million, its no wonder that top-notch amenities, such as residential concierge service, a 24-hour valet service, an infinity pool and a full-service spa, are found here.

    Just some of the other Dallas condo gems to be had include: Azure, which is built upon 15 acres and features 10, open floor plans with a luxurious, European design; Mercer Square, which is located just minutes from Downtown and boasts modern architecture and magnificent, Dallas views; and the Sorrento, which is located in North Dallas and features resort-style amenities and up to 2,890 square feet of living space.

    According to Downtown Dallas, the number of new residences built within one mile of Dallas central business district area has increased five-fold over the last ten years. And based on the cranes hanging out all over Dallas, it looks like the boom is here to stay.

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  • What Is A Reverse Mortgage Proceed

    What is a reverse mortgage and what benefits it can give to the typical American senior, who fights with his or her small monthly incomes and with the increasing medical bills?
    How does a reverse mortgage work and what are the qualifications?

    1. The Taxes And Medicare.

    The money received from the reverse loan is not taxable and does not generally influence on the Medicare or other social security benefits. However, if a senior receives payments from the reverse program and does not use the whole sum during the same month, the amount of the liquid assets may raise too high and there is a danger, that she or he will lose the eligibility to the public benefits.

    2. What Is A Reverse Mortgage Proceed?

    The guarantee for the reverse loan is the equity of the home, where the lender or lenders live permanently. The loan sum is calculated using 3 factors, which are the appraised value of the home, the age of the youngest borrower and the interest rate level. The older the youngest borrower is, the higher the appraised value of the home and the lower the interest rates, the more he, she or they can get. The legal maximum is $ 625.000.

    3. How The Payments Come?

    In this loan type the borrower will decide, how the lender will pay to him. The need of the money will usually dictate the schedule. The alternatives are the monthly payments, the lump sum, the credit line or the combination of all or some of these.

    4. The Duties Of The Owners.

    The borrower, or borrowers, will remain the owners with all the duties. The owner has to pay the property taxes, the insurances and to keep the property in a good shape. If either taxes or insurances elapse, this can lead to a default on the reverse mortgage.

    5. What Happens At Closing?

    The loan will be closed, when the last borrower will move away, sell the home or die. This is the time, when the home will be sold and a part of the selling price will be used to pay back the loan capital, the interests and all the costs. The rest goes to the owner or to the heirs.

    If it happens, that the selling price does not cover the whole debt, then the obligatory mortgage insurance is used. It is important to notice, that the borrower will never use his other assets to pay the reverse loan, nor can he owe more than the value of the home.

    The costs of this loan type are higher than those of the usual mortgage. However, this is a special senior loan and offers in some cases the only opportunity for a senior to get some extra incomes. Compared to the benefits it is not costly, but everybody have to judge this by himself.

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  • Advantages Of Owning Or Renting An Apartment Or Condominium

    When it comes to residential real estate in Philippines, apartments and condominiums have been considered as some of the popular types of housing. This is because of several advantages that proved very useful and beneficial to many Filipinos compared to owning a whole house. So what are the advantages of owning or renting a condominium unit and an apartment?

    Affordability
    Compared to buying a house, residential real estate in Philippines such as condominiums and apartments are known for its affordability. Although some condominiums in the Philippines may cost more than houses are worth, particularly those found in bigger cities, other condominiums are found to be much more affordable, typically around half the cost of buying a house.

    Apartments, on the other hand, are much more affordable. This is because apartments are usually rented or leased to tenants which tends to be far cheaper than buying a condo unit. Popular types of apartments are the studio type apartments which tends to be the smallest with the cheapest rent cost.

    Convenience
    Another popular feature of owning or renting a condominium is its location. Several new apartment buildings and condominium buildings today are found in small footprints of a big city, such as those found in Makati City. This allows residents and tenants to within walking or mass transit distance of business and industrial areas of the city. However, apartments and condominiums found in these locations are known to be much more expensive than in other locations.

    In terms of convenience, condominiums have also been known for its own conveniences such as its maintainability as well as with its security. All types of condominiums are known to provide their own maintenance personnel that takes care of all facilities found in condominiums from swimming pools, gyms, spas, to garages, hallways, and elevators. Security is also another benefit when it comes to owning a condominium unit. The disadvantage, however, is with its monthly fees aside from electric and water bills. These fees are usually used to pay for the maintenance and security for the condominium.

    Amenities (condominium)
    Another advantage of owning a residential real estate in Philippines such as a condominium is its amenities. Some condominiums sold in the market are known for the luxury they can provide to their residents such as swimming pools, gyms, spas, and recreational areas such as parks. These amenities are usually not included in owning a house. These types of condominiums, however, are usually more expensive than buying a house.

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