Interest rate where are they going?, effect easy home renovating

One of the hot topics must be interest rates for homes and home renovating. Are they going up or not ? And the answer is who knows? But the largest indicative home loan interest market is arguably the Futures Interest market showing interest rates could rise 20 points by this coming Christmas. How can one check this market?
It is quoted in the Australian Financial Review, every day in the pages just after the sharemarket quotes. Or one can try the interent using www.tradingroom.com.au and scrolling across to the futures quotes.
The Reserve Bank  Australia, RBA, gives regular ambiguous commentary every month, so one can read this at www.rba.gov.au. I recommend one read the original RBA articles and dont rely on the newspaper or TV news quasi- commentary.

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New Ideas re Design Electric Cars effect on home renovating

Reading , about the new models, the Mitsubishi Imiev, { due next month } costing $62,000, closely folowed by the Tesla, Chinese EV made by BYD at $25,000, Nissan Leaf $40,000, with the Ford, GM Volt at $65,000  and Toyota models due in two years.  A  plug in Prius is also due, this has both the convenience of petrol and the low cost running of the electric power. While the Imiev is currently, too dear, its available this year, in July.  The cost  shall halve, as production volumes are expanded over the next two years. The  BYD Chinese car is much more reasonable and due, for sale, next year 2011. Apparently the Chinese are expecting to surpass the volume of production of Toyota.  The sales of Electric cars are to represent 10% of the world car market in 10 years, and 30 % of Developed country car sales {reference Delloitte}.  The subsidies  for purchase of an electric car vary from $7,000 to $9,450 in overseas countries.

The point is the electric car is arriving, and cars will remain the dominant form of transport for Suburban people. Currently there are three Imiev cars touring Australia for marketing.
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So one needs to take this  into consideration in your property decisions

NRAs scheme for homes

Hi readers , I am discovering  property investment deals yielding 5% to 8 % from this Government scheme.  These investment properties are in growth areas. I reckon tenants are keen as they are applying at the rate of 80 for each home, developers are keen and Investors are still discovering this scheme. The government is advising the home building shortfall in 2008 was 85,000 and expected to expand to 213,000 by 2013
The NRAS is  response to this shortfall investment, property, home, developers,  building,shortfall.
Reseach the website and discover for yourself .

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House land values in different States! Melbourne Boom!

Today,’I am researching why is Melbourne booming? I have noticed that the cost of land is so much cheaper in Melbourne. Obviously, this impacts the home final value.   In fact it has a compounding effect. Popular press note from the REIV, that the development of house lots in Sydney 2008 at 2,100 in Melbourne at 16,020 in Brisbane at 11,000. The comparable development charges per lot at $99,800, $29,750,  $43,238.
I  claim this goes a long way to explaining the lower cost of house and land packages in Melbourne. Melbourne has plenty of acccessible and nearly flat land in the Western, Northern and South East growth corridors. This goes a long way to explaining the cost of a House and land package at $600,00 in Sydney, compares to $320,000 in Melbourne.

I claim Melbourne is winning a rising rate of interstate immigration from home buyers.
The Victorian government is moving to doubling the Infrastucture capital works levy on land.  Surely this can only increase the cost of land.
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Design your Home Loan Discount!!!

Given the pervasive  presence of the computer and Internet. One can apply Direct over the Internet for your home Loan.
This will save you close to 30 points off the home loan, forever.
This is because the cost of loan delivery and processing by the Bank is much lower, part  of  this lower cost is passed onto you the borrower. Increasingly, over the next few years the public will be  be able to access these loan products. Just as we apply for cheaper Airplane flights, and last minute Hotel bookings, internet adverts for property.  This will  become pervasive for Home Loans. No great suprise here, its already available.  Some key internet banks include ANZ Direct, ING Direct, UBank, every major bank has an  internet Direct loan product.

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