User: sandman1965 Topic: real estate
Category: Home Loans
Last updated: Apr 23 2014 23:05 IST RSS 2.0
 
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What does your postcode say about you? 23.4.2014 The Guardian -- Front Page

To celebrate the 40th anniversary of the allocation of postcodes, the Royal Mail has looked into what the alphanumeric codes reveal about their residents


How much can you tell about a person from their postcode? To celebrate the 40th anniversary of the allocation of postcodes to every town in Britain, a Royal Mail commissioned study published yesterday, has attempted to highlight which postcodes fare best and worst for a range of key indicators.

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Political battle brews over impact of future mortgage rate rises 23.4.2014 The Guardian -- Front Page
Labour insiders sceptical of Tory strategists' belief that rise in living standards will allow homeowners to absorb rate rise

This time next year hundreds of thousands of homebuyers could receive letters from their bank or building society giving them the unwelcome news that their mortgage rate was going up.

But Tory strategists are increasingly willing to believe that after a year of rising living standards they will simply shrug it off and continue to hit the high streets with the same enthusiasm that has driven the economic recovery since last year.

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US: Hard money lender pleads guilty in mortgage fraud (Cached) 22.4.2014 New Kerala: World News
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George Osborne's gamble: is it paying off? 21.4.2014 The Guardian -- Front Page
A year ago, the chancellor was still living down his 'omnishambles' budget and critics doubted his economic plan could ever work. But now he is claiming success for some recovery and seeing his own stock rise. What's behind the change in fortunes?

George Osborne has a spring in his step. A well-received budget, a growing economy, a fighting chance of winning the election, the opportunity to stick it to his critics. If, as they say, revenge is a dish best served cold, the chancellor has been plating up a large helping in the past few weeks. But between now and the general election of

7 May 2015 so much could go wrong for David Cameron and his closest cabinet pal a Blair/Brown partnership without the rivalry and suspicion that Osborne must wake in a sweat at night thinking about it.

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DBS to offer housing loans (Cached) 21.4.2014 Telegraph: Business
Mumbai, April 20: Singapore-based DBS Bank is set to make a foray into asset-based lending, nearly five years after entering India.
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Ten steps to release the pressure in Britain's housing superbubble 20.4.2014 The Guardian -- Front Page
As London property prices soar 18% in a year, a damaging housing boom now looks likely to spread across large parts of the country. What are the policy options to correct the market? A "superbubble", "record-breaking" and "disastrous" official figures released last week showing that London house prices rose by almost 18% in the year to February had commentators reaching for the superlatives, and everyone else wondering where it would end. The figures from the Office for National Statistics came hot on the heels of data from Nationwide building society showing that overall UK house prices were up by 9.2% year-on-year in March , and claims from property website Rightmove that Londoners are now putting homes up for sale at prices more than 40% higher than the previous peak . Fears of a bubble have been growing since late last summer, when price inflation seemed to step up a gear. Now, just over a year from the launch of the first part of the government's Help to Buy scheme, the London boom appears to have ...
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Persimmon home sales up nearly 40% on 2013 16.4.2014 The Guardian -- Front Page
Housebuilder's upbeat trading statement a further sign that the housing market is picking up speed Continue reading...
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Retail Loans: PSU banks have an edge (Cached) 16.4.2014 ET: Banking
Opportunities in the retail space have grown exponentially over the years with rising purchasing power.
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A new policy tool for banks to stop asset bubbles wreaking economic havoc 15.4.2014 The Guardian -- Front Page
A proposed scheme can help central bankers target financial overheating and minimise impact on productive investment Continue reading...
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UK house prices rise by 1.9% in February 15.4.2014 The Guardian -- Front Page
Warnings of a 'superbubble' as ONS figures show average UK house price is up 9% over the year, while London sees 18% rise Continue reading...
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Don’t get lured by short-term gains (Cached) 15.4.2014 TOI: India Business
Getting into the best performing stocks, commodities, futures and options or even FDs at the best rate of interest is the dream of most investors.
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Pain in Spain as bank warns of 10-year jobs blight and public debt leaps 8.1bn 14.4.2014 The Guardian -- Front Page
Spanish bank BBVA says unemployment may take a decade to recover from financial crisis and public debt hits 95% of GDP Continue reading...
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Markets fall amid fresh Ukraine tensions - live 14.4.2014 The Guardian -- Front Page

European stock markets slide as Ukraine threatens full-scale assault on separatists

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The key to affordable housing for essential workers? A £50,000 deposit 14.4.2014 The Guardian -- Front Page
Shared ownership schemes are targeted at key workers such as nurses and teachers but they can't afford the cost Continue reading...
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Homeowners raising average asking price in London by 7% a month 14.4.2014 The Guardian -- Front Page
Ernst & Young predicts slowdown in 2016 as sellers try to cash in capital and in north-west prices 8.8% less than 2007 peak Continue reading...
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5 worst mistakes you can make before buying a home (Cached) 13.4.2014 Rediff: GetAhead
Avoid these at all costs or there goes your dream of owning a house.
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The problem with FCA's new mortgage test 12.4.2014 The Guardian -- Front Page
The test is easily manipulated and not as clear-cut as a simple cap based on the borrower's income Continue reading...
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Need a mortgage? New rules mean you'll have to ditch all those little extras 12.4.2014 The Guardian -- Front Page
The Mortgage Market Review, which comes into force on 26 April, means lenders will have to check every tiny detail of your finances down to the last purchase of an app Continue reading...
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Where exactly has the Co-op gone wrong? 12.4.2014 The Guardian -- Front Page
Annual report reveals the extent of damage caused by sub-prime mortgages, loan blunders, and soured commercial lending Continue reading...
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Homebuyers face tougher scrutiny of household bills and childcare costs 12.4.2014 The Guardian -- Front Page
Regulator requires lenders to send detailed questionnaires to customers, making it harder for some to get a mortgage

Homebuyers are to face tough new affordability tests which will take account of every aspect of household spending, including childcare and takeaway meals, as part of an effort by City regulators to avoid the lending mistakes made in the run-up to the financial crisis.

From 26 April anyone applying for a mortgage will have to supply three months of bank statements that will be scrutinised line by line to check that the borrower can repay the loan at today's interest rates and if borrowing costs rise.

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