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Guide Destination Thaïlande

by Kijner & Sons International Realty

Kijner & Sons International Realty a la plaisir de partager avec vous le guide destination d'expat-blog.com sur la Thaïlande. Rédigé par les expatriés, pour les expatriés, ce guide reprend toutes les informations pratiques essentielles à votre installation en Thaïlande. 

Pour télécharger le guide, cliquez sur la photo ci-dessous!



Si vous souhaitez vous expatrier en Thaïlande, acheter ou louer un appartement en copropriété à Bangkok ou la maison/villa de vos rêves à Koh Samui, Pattaya, Hua Hin ou Phuket, nous vous invitons à lire nos dossiers spéciaux:

> Pourquoi investir en Thaïlande?
> Comment investir en Thaïlande?
> Questions & Réponses Thaïlande

Un projet résidentiel ou commercial précis en Thaïlande, des questions? Contactez-nous à info@kijner.com.

Pour vous faire une idées d'une partie de nos biens sur la Thaïlande, cliquez ici

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Source: http://www.expat-blog.com/guides/guide-Thailande.pdf

Get Your Finances in Order: To-Do List

by Kijner & Sons International Realty

If you are looking to buy a house in Miami or invest in Sarasota Florida, Kijner & Sons International Realty gives you tips to get your finances in order before asking for a loan.

1. Develop a household budget. Instead of creating a budget of what you’d like to spend, use receipts to create a budget that reflects your actual spending habits over the last several months. This approach will factor in unexpected expenses, such as car repairs, as well as predictable costs such as rent, utility bills, and groceries.

2. Reduce your debt. Lenders generally look for a total debt load of no more than 36 percent of income. This figure includes your mortgage, which typically ranges between 25 and 28 percent of your net household income. So you need to get monthly payments on the rest of your installment debt — car loans, student loans, and revolving balances on credit cards — down to between 8 and 10 percent of your net monthly income.

3. Look for ways to save. You probably know how much you spend on rent and utilities, but little expenses add up, too. Try writing down everything you spend for one month. You’ll probably spot some great ways to save, whether it’s cutting out that morning trip to your favorite coffee shop or eating dinner at home more often.

4. Increase your income. Now’s the time to ask for a raise! If that’s not an option, you may want to consider taking on a second job to get your income at a level high enough to qualify for the home you want.

5. Save for a down payment. Designate a certain amount of money each month to put away in your savings account. Although it’s possible to get a mortgage with only 5 percent down, or even less, you can usually get a better rate if you put down a larger percentage of the total purchase. Aim for a 20 percent down payment.

6. Keep your job. While you don’t need to be in the same job forever to qualify for a home loan, having a job for less than two years may mean you have to pay a higher interest rate.

7. Establish a good credit history. Get a credit card and make payments by the due date. Do the same for all your other bills, too. Pay off the entire balance promptly.

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Source: The National Association of Realtors® (NAR)

Jean-Charles Faust receiving the French National Order of Merit

by Kijner & Sons International Realty

Daniel Kijner, Senior Broker Owner of Kijner & Sons International Realty supported his long time friend Jean-Charles Faust, Honorary Consul of France in Tampa, Florida and President of the French American Business Council of west Florida (FRAMCO) who became on January 23rd 2012 knight in the French National Order of Merit* at the University of South Florida in Tampa (USF).  

The reception was led by his Excellency François Delattre, Ambassador of the French Republic to the United States of America since February 2011 and his honorable Gaël De Maisonneuve, Consul General of the French Republic to the State of Florida

 

 

 

Daniel Kijner with Jean-Charles Faust


His Excellency François Delattre, Ambassador of the French Republic to the United States of America with

Daniel Kijner and Jean-Charles Faust

 

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*Founded on 3 December 1963 by President Charles de Gaulle, the National Order of Merit is an Order of State awarded by the President of the French Republic to both French and foreign nationals for distinguished civil and military achievements. 

 


His Excellency François Delattre, Ambassador of the French Republic to the United States of America since February 2011
Gael De Maisonneuve, Consul General of the French Republic to the State of Florida
Jean-Charles Faust, Honorary Consul of France in Tampa, Florida & President of the French American Business Council of west Florida (FRAMCO)
Daniel Kijner, Senior Broker Owner of Kijner & Sons International Realty (KSI Realty), 2012 Chair of the CRS® International Committee & 2012 President Elect of the Florida CRB® Chapter 

Happy Chinese New Year!

by Kijner & Sons International Realty

 

 

GONG XI FA CAI

恭禧發財

23 January 2012


May the year of the dragon bring you and your loved ones health, success and happiness!


KSI Realty
International Real Estate, Wealth Management & Consulting

Costa Rica, France, Thailand, USA

www.kijner.com

 

        

          


Sarasota Real Estate Market: Property sales up 8.2 percent in 2011

by Kijner & Sons International Realty

Kijner & Sons International Realty is pleased to announce that "for the full year 2011, property sales of members of the Sarasota Association of Realtors® jumped by 8.2 percent to 8,224, achieving the highest level since 2005. The surge in sales was accompanied by stabilization in the median sale prices, which now stand at $155,925 for single family homes and $156,800 for condos over the full year, and have not fluctuated much for the past 12 months." 

Sarasota is a real estate market of choice as shown by the recent numbers with a 7.3% increase in property transactions for the month of December. Combined sales stood at 648 with a median sale price of $160,000 for single family homes and $150,000 for condos. Inventory of available was at 4,567 and pending sale at 694. 

To read the full December 2011 SAR Report and get all the statistics, please click here

To learn more about real estate opportunities in the Sarasota area, contact Kijner & Sons International Realty at info@kijner.com.

10 Questions to Ask Your Lender

by Kijner & Sons International Realty

Kijner & Sons International Realty gives you the 10 questions you should be asking your lender when looking to buy a home either in Miami or Saraosta Florida.

1. What are the most popular mortgages you offer? Why are they so popular?

2. Which type of mortgage plan do you think would be best for me? Why?

3. Are your rates, terms, fees, and closing costs negotiable?

4. Will I have to buy private mortgage insurance? If so, how much will it cost, and how long will it be required? (NOTE: Private mortgage insurance is usually required if your down payment is less than 20 percent. However, most lenders will let you discontinue PMI when you’ve acquired a certain amount of equity by paying down the loan.)

5. Who will service the loan — your bank or another company?

6. What escrow requirements do you have?

7. How long will this loan be in a lock-in period (in other words, the time that the quoted interest rate will be honored)? Will I be able to obtain a lower rate if it drops during this period?

8. How long will the loan approval process take?

9. How long will it take to close the loan?

10. Are there any charges or penalties for prepaying the loan?

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Sources:

The National Association of Realtors® (NAR)
Used with permission from Real Estate Checklists & Systems, www.realestatechecklists.com

Hong Kong SMART Expo - Conference #2

by Kijner & Sons International Realty

Kijner & Sons International Realty is pleased to share with you its latest conference "Thailand's Property Outlook 2012"

Venue
Hong Kong SMART Investment & International Property Expo
Hong Kong Convention & Exhibition Center, Hall 1D

Country: China

Date: 11 December 2011

Time: 2:30 pm - 3:15 pm

Guest Speakers
Marc H. Kijner (Senior Broker Owner, KSI Realty & Realtor® with Fortune International Realty)
Pattama Chantranukul (Cert. Appraisal, LRTI - Lincoln Inst., Agency for Real Estate Affairs - AREA Bangkok)

Displaying blog entries 1-7 of 7

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83-85 Boulevard de Charonne, 75011 Paris, France


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