User: sandman1965 Topic: real estate
Category: Home Loans
Last updated: Aug 02 2015 18:49 IST RSS 2.0
 
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Financial infidelity: how to prevent money secrets from hurting a marriage 2.8.2015 The Guardian -- Front Page
Cheating isn’t always sexual – many admit to hiding financial information from their partners, and a frank discussion may be the best way to approach the issue If I mention “infidelity” as being the biggest cause of a marriage or relationship breakup, you’ll probably roll your eyes, nod in agreement and wonder (a) why I’m re-stating the obvious and (b) why you’re reading about it in a column in the money pages. Easy. I’m talking about the other kind of infidelity. The one that’s even tougher to spot (often because you aren’t even looking for it) and can destroy trust in a relationship in just as devastating a fashion. And like the other kind of cheating, it’s everywhere. Survey after survey shows that it’s happening. In 2011, the National Endowment for Financial Education discovered that 31% of Americans who responded to a poll admitted lying to their partners about their finances . Perhaps it was over something as minor as concealing a small purchase; perhaps they were hiding something large, like a ...
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George Osborne should come clean over who wins or loses in his budget 2.8.2015 The Guardian -- World Latest
The chancellor seems increasingly willing to resort to ‘fiddling the figures’ – something for which he castigated Gordon Brown When thousands of poor American families saw the homes they had loved and saved for seized by the banks in the depths of the sub-prime mortgage crisis, it was scant comfort that they had only been able to afford to clamber on to the property ladder in the first place because of reckless lenders, toothless regulators and short-sighted politicians. Losing your home is losing your home. Yet when George Osborne contemplates the cuts many households will face as a result of his planned reductions in tax credits – three million will lose £1,000 a year, says the Institute for Fiscal Studies – he wants to kid us, and maybe himself, that it doesn’t matter because the state could ill afford such generosity to the needy in the first ...
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Self-employed? How to get a home loan 1.8.2015 Rediff: GetAhead
Following are certain important things that lenders consider while processing loans to self-employed...
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HDFC to raise Rs 5,000 crore for business expansion 29.7.2015 TOI: India Business
Country's largest mortgage lender HDFC on Wednesday said it will raise up to Rs 5,000 crore through non-convertible debentures (NCDs) to boost lending operations and meet its future capital needs.
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Madrid mayor scraps eviction orders for 70 families in social housing 28.7.2015 The Guardian -- World Latest

Manuela Carmena declares ‘nobody is going to be thrown out on the street’ as she safeguards 2,000 similar tenancies in Spanish capital

The leftwing mayor of Madrid has overturned eviction orders for 70 families living in social housing and safeguarded more than 2,000 similar rental contracts.

The move is the latest by the administration of Manuela Carmena, backed by the anti-austerity party Podemos, to protect housing in a country where a property boom and bust has resulted in tens of thousands of families losing their homes.

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Is office stress getting the better of you? Fret not! 27.7.2015 Rediff: GetAhead
Don't let all those things happening at your workplace get you down. Read on to find out how you can beat stress.
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Don't miss these deductions while filing returns 27.7.2015 TOI: India Business
Here are a few little known deductions, from specified illnesses to donations, that taxpayers tend to miss out on
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LIC elevates Sarojini Dikhale and Mini Ipe to top brass 26.7.2015 ET: Finance / Insurance
Dikhale has taken charge from the HR department. Ipe, who was earlier with the real estate department, assumed office in the same period.
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Fullerton India to foray into housing finance biz by November 23.7.2015 ET: Finance / Insurance
Fullerton India, a non-banking finance company, plans to enter mortgage business as it has received license to set up a housing finance subsidiary.
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Fullerton India gets nod to set up home finance subsidiary 23.7.2015 TOI: Cities
Fullerton India – the Indian arm of a wholly-owned subsidiary of Singapore's Temasek Holdings has received permission to operate a housing finance company – Fullerton India Home ...
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Generation rent: what's it like to be locked out of the housing market? 23.7.2015 The Guardian -- World Latest

A report released this week revealed the amount of renters under-40 looks set to rise and rise. We asked ‘generation rent’ to tell us their stories

As house prices go up, so levels of home ownership have gone down. According to a report released this week, more than half of those under-40 will be living in rented properties by 2025.

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TSB says George Osborne's bank profits tax could hurt smaller outfits 23.7.2015 The Guardian -- Front Page

Chief executive Paul Pester urges chancellor to reconsider lower limit at which levy is applied to avoid making so-called challenger banks less competitive

TSB has warned that George Osborne’s new tax on bank profits will hit companies challenging established high street brands and has urged the chancellor to water down the measure.

The 8% surcharge on bank profits announced in the budget will spread the tax burden more widely across the sector, with smaller banks paying an industry tax for the first time. It will kick in at annual profits of £25m, which has prompted TSB to warn of an impact on so-called challenger banks such as itself, Virgin Money, Aldermore and Shawbrook.

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Sydney house prices jump 22% in one year to reach $1m median, report says 22.7.2015 The Guardian -- World Latest

Latest figures show boom exceeding that of early 2000s but amid the good news for home owners, charities are warning of a worsening affordability crisis

Sydney median house prices have hit $1m for the first time, according to the latest Domain Group House Price report.

The report revealed median house prices in Sydney are $1,000,616, rising 22.9% in just 12 months.

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European Factors to Watch - Shares seen tracking U.S. stocks lower 22.7.2015 Sify Finance
LONDON, July 22 (Reuters) - European shares headed for a lower open on Wednesday, tracking falls in U.S. equities, with focus on company results as the second-quarter earnings season gathers
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Generation rent: the housing ladder starts to collapse for the under-40s 22.7.2015 The Guardian -- Front Page

Report predicts house price rises of 5% a year and shortage of affordable homes, as cost of deposit locks people out of property market

House price rises of 5% a year and a shortage of affordable homes are set to swell the ranks of “generation rent” over the next decade, so that by 2025 more than half of those under 40 will be living in properties owned by private landlords.

A report from economists at accountancy firm PwC suggests the number of new homebuyers is set to fall over the next 10 years, as the high cost of raising a deposit locks large segments of society out of the housing market.

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Check out these lesser known deductions before filing your tax return 20.7.2015 TOI: India Business
Income from investments in the name of your child would normally be clubbed with your income, but this is not so if the child is disabled.
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HDFC hunger for cash grows 18.7.2015 Telegraph: Business
Housing Development Finance Corporation (HDFC), the country's largest mortgage lender, will seek shareholders' approval to raise up to Rs 85,000 crore on a private placement basis.
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Death of the maiden name | Emma Brockes 17.7.2015 Guardian: Comment is Free
In amid the skull-crushing tedium of a mortgage application, it occurred to me that there was something I hadn’t once been asked I opened my first bank account in 1981. It was a NatWest child’s savings account, the kind that rewarded its customers with an ugly porcelain pig every time they hit a savings goal. I deposited a pound that my grandad had given me – a whole pound! I felt like a millionaire – and when I was 18, I graduated to the adult version of the account. Somewhere in there, I got rid of the pigs. Since then, I have had many bank and building society accounts, and the security drill has always been the same: date of birth, proof of address, national insurance or, in the US, social security number and, for identity purposes, mother’s maiden name. And so I was curious this week to note that one of these questions, which I have been uniformly answering since 1981, has been ...
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Tenants in England spend half their pay on rent 16.7.2015 The Guardian -- Front Page

London tenants pay 72% of earnings on rent, according to latest figures from the English Housing Survey

Rents in England are almost half of tenants’ average take-home pay, according to an official report on the state of the country’s housing.

Figures in the latest English Housing Survey, based on research in 2013-14, show that tenants paid an average of 47% of their net income in rent, while those who had taken out a mortgage faced repayments equal to 23% of their earnings after tax.

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June mortgage lending at seven-year high 16.7.2015 The Guardian -- Front Page

Council of Mortgage Lenders says figure is ‘flattered’ by post-election certainty, and cuts forecasts for 2015 and 2016

Gross mortgage lending leapt by 29% in June to its highest level in seven years, as uncertainties over the election disappeared. However, mortgage lenders say they do not expect the post-vote bounce to continue, and a survey of borrowers suggests confidence in the housing market is slipping.

Related: UK households paying off mortgages in record time, says Bank of England

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