Regardless of the steep fall in real estate transactions in recent months, prices have remained steady, Reserve Bank of India’s (RBI) macroeconomic and monetary development report said on Monday.



RBI said that though interest rates remained high, home loans disbursals have gone up while overall credit off-take has fallen. According to RBI data, interest on home loan has gone up by 1.5 – 1.75 per cent since December 2010.



“Property markets are facing moderation in demand, but price correction has not occurred as real estate firms are holding land banks and slowing new launches and sales to retain pricing power.



Higher housing loans coupled with price rigidities in the housing market reflect the continued pricing power with the developers as also the increasingly stretched balance sheets of residential buyers,” said RBI in the report. In order to curb inflation and bring down the demand, RBI has increased key policy rates 13 times since March 2010.



However, number of transactions has gone down implying that many other households are getting priced out from the housing market. Data for July-September 2011indicate further increase in property prices in most cities though at a slower pace. Also, in contrast with the preceding quarter, there was some increase in transaction volumes, said RBI.



“Retail loans, especially home loans have been growing at a steady pace. It is the corporate credit that has fallen. Demand for home loans up to Rs 50 lakhs have been witnessing growth,” said a senior official, Bank of Baroda.



“Despite home loans becoming costlier, the demand for home loan remains robust. Home loan remains one of the fastest growing segment and we have not witnessed any decline in home loans,” said SBI official.



The RBI’s quarterly House Price Index (HPI) based on the data on transaction of properties collected from registration departments of respective state governments, now covering 9 cities, indicates a hike in quarter on quarters prices in all cities during June – September 2011 except for Bengaluru. On the other hand, the data on volume of transactions for the same period show increase in the number of transactions in six cities, except Mumbai and the recently included cities of Kanpur and Jaipur. 

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Death of a Real Estate Listing.

It can happen even in Etobicoke

So you listed your house on the market and the listing expired with out it being sold , So what went wrong ? First off don’t get discouraged.

While the majority of houses on the market sell with in 90 days – some don’t . Unless there is something fundamentally wrong with the house , the problem can usually be traced to three major areas .

The price
The market is always moving and different types of home fetch different prices another bedroom does not automatically mean X amount of dollars more, and a tax appraisal or insurance appraisal is nothing to go by. The home should be professional appraised by a realtor like.

Agent Jackie Carron conducts thorough comparative market analyses (CMAs) on your home so that it is priced right and so that you end up getting the most for your home – sooner.

The Condition

How did your house show ? Etobicoke is a competitive The buyer is not looking at the house through your eyes. They are looking at it if they moved in . one of the biggest culprits is clutter. You might have lovely stuff but it gets in the way of seeing the house . Storage is a inexpensive solution so you could stage the house . The second is cosmetics , is it ready to move in . The house does not have to be perfect , the buyer might be willing to accept that the plumbing might need some work in the future. But a hole in the wall or sagging trim and a lawn full of weeds might be more off putting to them

Spend a few dollars on fit and finish and fluffing the house ,

Marketing

The buyers who would find your house appealing might not have seen it because of bad marketing or no marketing at all . Having people who want to buy a house just like yours is half way to selling it .A good agent will have the experience to know who would like a home like yours , and they will market it to them . Through the description and they may even know other agents that have many clients and buyers of that group

You can get invaluable Etobicoke real estate advice from Royal LePage Real Estate agent Jackie Carron.

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A condominium describes the type of ownership rather then the building itself. With a condo you purchase a individual unit in a multi-unit property. Right now in Toronto, condos are outselling traditional homes by a high margin.

The land and all the common areas are shared ownership with the other unit owners. So there are wide range of property types, buildings or townhomes and rowhouses, prices, from a starter home to multi-million dollar luxury penthouses ,locations, sizes and mind boggling amenities. Condos are available in almost every community now a days.

Royal Lepage Real Estate Agent Jackie Carron specializes in working with buyers to find the right condo, in the right neighbourhood and will make sure you pay the right price.

Condos are great for the first time buyer or a single person buying their first home. Affordable units are with in reach of those just starting out , the mortgage payments are usually lower or comparable to renting . Also suits a lifestyle that does not think about mowing the lawn and raking the leaves on the weekend . The fact that you are building equity rather then building nothing while paying rent is a great bonus. As well many condos have themes of lifestyle offering amenities along them . entertainment , active fitness , or an in house movie theater . A Real estate agent like Jackie Carron expertise would guide you on such things

Another group who would find Condos beneficial would be empty nesters and retirees. They may have too much house and want to cash out the equity , also no longer want to be concerned with the upkeep of a house , and might want the security of others taking care of that while they are away on prolonged vacations .

The downside to Condos is fees , you might not use the amenities that you are paying for through those fees , you might need to cut back your personal expenses and in other situations you could cancel your gym membership and the person doing your yard work , you can’t do that in a Condo situation . The other is that your unit might not increase in value as much as if it was a house or possibly not at all depending on the circumstances. You can get invaluable Etobicoke real estate advice from Etobicoke Real Estate agent Jackie Carron.

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