Thursday, August 31, 2006
UN POCO SOBRE LA LEY DE DISCRIMINACION (FAIR HOUSING)
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
HOY LES HARE UN BREVISIMO RECUENTO DE LA LEY SOBRE DISCRIMINACION EN EL CAMPO DE LAS BIENES RAICES Y SU APLICABILIDAD EN LA INDUSTRIA.
DOS IMPORTANTES LEYES Y ESTATUTOS TIENEN QUE VER CON ESTE IMPORTANTE TEMA.
LA LEY DE DERECHOS CIVILES DE 1866 Y EL FAIR HOUSING ACT.
LA LEY DE DERECHOS CIVILES DE 1866 GARANTIZA EL DERECHO DE TODO CIUDADANO NO IMPORTA SU RAZA A LA ADQUISICION O RENTA DE CUALQUIER PROPIEDAD.
EL FAIR HOUSING ACT PROTEGE A CUALQUIER CIUDADANO DE SER AFECTADO POR PRACTICAS DISCRIMINATORIAS Y ESTAN BASADOS EN 7 SITUACIONES ESPECIFICAS.
1. RACE
2. COLOR
3. RELIGION
4. SEX
5. HANDICAP
6. FAMILIAL STATUS
7. NACION DE ORIGEN
COMO CIUDADANO COMUN, COMO PUEDO Y EN QUE ME PUEDE AFECTAR EN MI VIDA COTIDIANA ESTA LEY SI YO NO SOY REALTOR?
A CONTINUACION SOLO UN EJEMPLO
ESPECIALMENTE LAS PERSONAS QUE TIENEN UNA PROPIEDAD PARA RENTAR, COMETEN UN GRAVISIMO ERROR DE ESPECIFICAR Y DISCRIMINAR A QUE TIPO DE PERSONA QUIERE RENTAR SU APARTAMENTO O RESIDENCIA.
ESPECIFICAR QUE NO QUIEREN RENTAR A PAREJAS CON NINOS O MUJERES CON HIJOS, O A PERSONA ENFERMA DE SIDA, SON EJEMPLOS DE DISCRIMINACION POR FAMILIAL STATUS O HANDICAP Y USTED PODRIA SER REPORTADO DE ESTE ACTO CRIMINAL.
OTRO EJEMPLO QUE COMETEN MUCHAS PERSONAS QUE NOS LLAMAN DE PUERTO RICO.
NO QUIERO VIVIR EN UN LUGAR DONDE VIVAN OTROS PUERTORIQUENOS.
INCREIBLEMENTE PERO CIERTO
NO SE PUEDE POR LEY CONTESTAR ESTE TIPO DE ASEVERACION POR QUE ESTA INDUCIENDO A VIOLAR LA LEY TANTO LA PERSONA QUE LLAMA COMO EL PROFECIONAL DE BIENES RAICES.
ESTE ES UN EJEMPLO DE STEERING Y ES CONDENABLE POR LEY.
LAS COMPANIAS DE BIENES RAICES QUE VIOLAN EL FAIR HOUSING ACT PUEDEN SER PENALIZADOS CON HASTA UNA MULTA DE $20,000 POR LA PRIMERA OFENSA. 32,500 POR SEGUNDA OCASION.
EN MARRERO REAL ESTATE ESTAMOS PARA SERVIRLE CUMPLIENDO CON TODAS LAS LEYES QUE REGULAN LA PROFECION DE BIENES RAICES Y EN CUMPLIMIENTO ESTRICTO DEL CODIGO DE ETICA DE LA ASOCIACION DE REALTOR A LA QUE ESTAMOS ADSCRITOS.
GRACIAS POR VISITAR NUESTRO BLOG
JOSE RAUL MARRERO
787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
HOY LES HARE UN BREVISIMO RECUENTO DE LA LEY SOBRE DISCRIMINACION EN EL CAMPO DE LAS BIENES RAICES Y SU APLICABILIDAD EN LA INDUSTRIA.
DOS IMPORTANTES LEYES Y ESTATUTOS TIENEN QUE VER CON ESTE IMPORTANTE TEMA.
LA LEY DE DERECHOS CIVILES DE 1866 Y EL FAIR HOUSING ACT.
LA LEY DE DERECHOS CIVILES DE 1866 GARANTIZA EL DERECHO DE TODO CIUDADANO NO IMPORTA SU RAZA A LA ADQUISICION O RENTA DE CUALQUIER PROPIEDAD.
EL FAIR HOUSING ACT PROTEGE A CUALQUIER CIUDADANO DE SER AFECTADO POR PRACTICAS DISCRIMINATORIAS Y ESTAN BASADOS EN 7 SITUACIONES ESPECIFICAS.
1. RACE
2. COLOR
3. RELIGION
4. SEX
5. HANDICAP
6. FAMILIAL STATUS
7. NACION DE ORIGEN
COMO CIUDADANO COMUN, COMO PUEDO Y EN QUE ME PUEDE AFECTAR EN MI VIDA COTIDIANA ESTA LEY SI YO NO SOY REALTOR?
A CONTINUACION SOLO UN EJEMPLO
ESPECIALMENTE LAS PERSONAS QUE TIENEN UNA PROPIEDAD PARA RENTAR, COMETEN UN GRAVISIMO ERROR DE ESPECIFICAR Y DISCRIMINAR A QUE TIPO DE PERSONA QUIERE RENTAR SU APARTAMENTO O RESIDENCIA.
ESPECIFICAR QUE NO QUIEREN RENTAR A PAREJAS CON NINOS O MUJERES CON HIJOS, O A PERSONA ENFERMA DE SIDA, SON EJEMPLOS DE DISCRIMINACION POR FAMILIAL STATUS O HANDICAP Y USTED PODRIA SER REPORTADO DE ESTE ACTO CRIMINAL.
OTRO EJEMPLO QUE COMETEN MUCHAS PERSONAS QUE NOS LLAMAN DE PUERTO RICO.
NO QUIERO VIVIR EN UN LUGAR DONDE VIVAN OTROS PUERTORIQUENOS.
INCREIBLEMENTE PERO CIERTO
NO SE PUEDE POR LEY CONTESTAR ESTE TIPO DE ASEVERACION POR QUE ESTA INDUCIENDO A VIOLAR LA LEY TANTO LA PERSONA QUE LLAMA COMO EL PROFECIONAL DE BIENES RAICES.
ESTE ES UN EJEMPLO DE STEERING Y ES CONDENABLE POR LEY.
LAS COMPANIAS DE BIENES RAICES QUE VIOLAN EL FAIR HOUSING ACT PUEDEN SER PENALIZADOS CON HASTA UNA MULTA DE $20,000 POR LA PRIMERA OFENSA. 32,500 POR SEGUNDA OCASION.
EN MARRERO REAL ESTATE ESTAMOS PARA SERVIRLE CUMPLIENDO CON TODAS LAS LEYES QUE REGULAN LA PROFECION DE BIENES RAICES Y EN CUMPLIMIENTO ESTRICTO DEL CODIGO DE ETICA DE LA ASOCIACION DE REALTOR A LA QUE ESTAMOS ADSCRITOS.
GRACIAS POR VISITAR NUESTRO BLOG
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787-486-7906
407-436-5140
TODOS SOMOS GUERREROS DE LUZ!
Wednesday, August 30, 2006
QUINTA SEMANA DE BAJA EN LOS INTERESES HIPOTECARIOS DE PRESTAMOS A 30 ANOS
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA
ACABAMOS DE FINALIZAR UN CICLO DE SEIS DIAS DE PREPARACION PARA EL EXAMEN PARA LA DESIGNACION DE GRI #1 AQUI EN EL ESTADO DE LA FLORIDA. POR ESTA RAZON NO LES PUDE ESCRIBIR LA NOTICIA DEL DIA MAS PERIODICAMENTE COMO DE COSTUMBRE.
A CONTINUACION LA NOTICIA PUBLICADA POR EL FREDIE MAC, UNA INSTITUCION LIGADA A EL MERCADO SECUNDARIO DE LAS HIPOTECAS.
A CONTINUACION EL DETALLE
Mortgage rates dip for 5th straight week
Mortgage Rate Trend Index
Which way rates? If mortgage industry experts polled by Bankrate.com are right, rates will stabilize over the next 30 to 45 days. Only 12 percent predict higher rates, 13 percent predict lower rates and a resounding 75 percent expect no change.
WASHINGTON -- Aug. 25, 2006 -- Rates on 30-year mortgages fell for a fifth consecutive week as sales of both existing and new homes in July declined, confirming a cooling housing market.
The mortgage company Freddie Mac said Thursday that 30-year, fixed-rate mortgages fell to 6.48 percent this week, down from 6.52 percent last week.
That was the lowest level for 30-year mortgages since they averaged 6.43 percent the week of April 6.
Mortgages had risen since then, hitting a more than four-year high of 6.80 percent the week of July 20 before falling in the past five weeks.
Analysts view the rollback in rates as further evidence that the economy is slowing, which should ease inflation pressures.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.18 percent this week, down from 6.20 percent last week.
For one-year adjustable-rate mortgages, rates dipped to 5.60 percent from 5.65 percent last week.
Rates on five-year adjustable-rate mortgages declined to 6.14 percent this week from 6.18 percent last week.
GRACIAS POR VISITAR NUESTRO BLOGS
JOSE RAUL MARRERO
407 436-5140/787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA
ACABAMOS DE FINALIZAR UN CICLO DE SEIS DIAS DE PREPARACION PARA EL EXAMEN PARA LA DESIGNACION DE GRI #1 AQUI EN EL ESTADO DE LA FLORIDA. POR ESTA RAZON NO LES PUDE ESCRIBIR LA NOTICIA DEL DIA MAS PERIODICAMENTE COMO DE COSTUMBRE.
A CONTINUACION LA NOTICIA PUBLICADA POR EL FREDIE MAC, UNA INSTITUCION LIGADA A EL MERCADO SECUNDARIO DE LAS HIPOTECAS.
A CONTINUACION EL DETALLE
Mortgage rates dip for 5th straight week
Mortgage Rate Trend Index
Which way rates? If mortgage industry experts polled by Bankrate.com are right, rates will stabilize over the next 30 to 45 days. Only 12 percent predict higher rates, 13 percent predict lower rates and a resounding 75 percent expect no change.
WASHINGTON -- Aug. 25, 2006 -- Rates on 30-year mortgages fell for a fifth consecutive week as sales of both existing and new homes in July declined, confirming a cooling housing market.
The mortgage company Freddie Mac said Thursday that 30-year, fixed-rate mortgages fell to 6.48 percent this week, down from 6.52 percent last week.
That was the lowest level for 30-year mortgages since they averaged 6.43 percent the week of April 6.
Mortgages had risen since then, hitting a more than four-year high of 6.80 percent the week of July 20 before falling in the past five weeks.
Analysts view the rollback in rates as further evidence that the economy is slowing, which should ease inflation pressures.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.18 percent this week, down from 6.20 percent last week.
For one-year adjustable-rate mortgages, rates dipped to 5.60 percent from 5.65 percent last week.
Rates on five-year adjustable-rate mortgages declined to 6.14 percent this week from 6.18 percent last week.
GRACIAS POR VISITAR NUESTRO BLOGS
JOSE RAUL MARRERO
407 436-5140/787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
Friday, August 25, 2006
APERTURA DE ESCUELA DE MEDICINA DE LA UNIVERSIDAD CENTRAL DE FLORIDA ATRAE OTRAS INVERSIONES MILLONARIAS EN INDUSTRIAS RELACIONADAS
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
COMO LE HABIAMOS COMUNICADO A TRAVEZ DE ESTE MEDIO ANTERIORMENTE, LA UNIVERSIDAD CENTRAL DE FLORIDA (UCF), ANUNCIO LA CONSTRUCCION EL LAS INMEDIACIONES DE LA NARCOOSEE RD Y CERCA DE LA PARTE SUR DEL AREOPUERTO INTERNACIONAL DE ORLANDO, UNA MILLONARIA INVERSION EN LA ESCUELA DE MEDICINA.
AHORA SE ANUNCIA QUE EL INSTITUTO DE BOITECNOLOGIA BURNHAM TAMBIEN INVERTIRA VARIOS MILLONES ADICIONALES EN LA APERTURA DE SU NUEVO CENTRO DE INVESTIGACIONES EN LA FLORIDA CENTRAL.
A CONTINUACION LA NOTICIA PROVISTA POR LA REVISTA PLANET REALTOR
Major biotech researcher picks Orlando for expansion
TALLAHASSEE, Fla. (AP) -- Aug. 24, 2006 -- Orlando will be the home of the Burnham Institute for Medical Research's new center in Florida, Gov. Jeb Bush and officials from the biotech researcher said Wednesday.
Orlando beat out Port St. Lucie in southeast Florida to be the home of the center, which is expected to bring up to 300 jobs over the next decade and, if all goes as hoped, bring other cutting edge research firms to the area as well.
Burnham will continue to operate its main research facility in the San Diego area in addition to the new center in Florida.
The institute's Florida expansion will be part of what officials anticipate will develop as a new regional center of medical treatment and research, anchored by Burnham and a newly approved medical school at the University of Central Florida, and also including a proposed new Veterans Administration Hospital and a newly announced collaboration between UCF and the University of Florida, which will do biotechnology research at the envisioned campus.
''We've got a medical city,'' said UCF President John Hitt. ''This announcement virtually assures the development of a life sciences cluster in the metro-Orlando area.''
The state put up $155 million to lure Burnham to the area, and local governments and private donors will add about the same amount to the package. The money was key to the decision, said Burnham's president, Dr. John Reed, because it will allow the institute to expand its research, which he said could lead to cures for diseases.
Burnham, which is based in the San Diego area, will be the second major medical research center to open a branch in Florida since Bush started a push to lure biotech institutes to the state. Bush's goal is to expand Florida's economic base beyond tourism and agriculture and he envisions an economy led into the new century by high-paying research jobs.
The Scripps Research Institute, which is building a research center in Jupiter, was the first such facility to gain state help to come here. It got a deal from the state and local governments worth more than $500 million.
The ability to be part of a burgeoning new group of life science research facilities went into Burnham's decision, Reed said. He said the central Florida location edged out the one in St. Lucie County because the VA hospital, the medical school and the institute would all be ''within walking distance,'' under Orlando's proposal.
Bush said that even though Burnham chose Orlando, its impact would still likely be felt in South Florida, with cooperation between Burnham and universities around the state, and possibly Scripps.
''This is a time for the state to celebrate statewide,'' Bush said.
Reed said the Orlando facility would allow Burnham to undertake a new focus on diabetes and obesity research, as well as expanding the center's research into cancer, degenerative diseases and infectious diseases.
Bush acknowledged that spending more than $300 million to lure 300 jobs was ''unorthodox'' from an economic development standpoint, but said it would have long-term effects that were hard to measure, including the possibility of changing the whole nature of the economy here. And it will bring to the state more than just the particular number of jobs.
''These are research institutes, and they're going to collaborate with our universities, as they already are, and they will create synergies that go way beyond just looking at this from a traditional 'jobs created divided by amount invested,''' Bush said. ''It doesn't fit that profile at all.
''It will draw private sector investment, it will draw the creative class, it will draw the dreamers and the doers and the kind of people that we need to sustain our communities,'' the governor said. ''It's a much more profound way of investing.''
Reed said luring of one initial intellectual enterprise will bring others, and said that will pay off economically in the long run, pointing to Burnham's base in San Diego.
''In our community for every dollar of grant money that a nonprofit brings in, another six and a half dollars are brought in through latent economic activity,'' Reed said. ''And in our community for every job we create in the nonprofit, research environment and research universities ... another 10 jobs are created in our community.''
Construction of the lab will take about two years, and in the interim the institute will use space at UCF.
Hitt said the announcement, and UCF's ability to work with Burnham jump-starts the university's planned new medical school and will quickly put it in the ranks of more established schools.
''This probably puts our development ahead 10 years or so,'' Hitt said. ''This is huge for us.''
Bush offered a consolation of sorts for South Florida, saying that it would likely be able to celebrate future additions to its own vision of a cluster around Scripps. He predicted it would be the first of many announcements of biotech expansion in the state over the next several years, including a couple before he leaves office in January.
Meanwhile, Palm Beach County commissioners are continuing to negotiate on a proposal that could bring another facility there.
The San Diego-based Torrey Pines Institute for Molecular Studies is asking the county for $21 million to put its headquarters in Boca Raton.
The proposal calls for the institute to bring in 189 jobs and build a 100,000 square-foot facility in Boca Raton on 10 acres of land that would be donated by the city.
Whether that center chooses Florida, ''we'll know that relatively soon, I think,'' Bush said.
GRACIAS POR VISITAR NUESTRO BLOGS
WWW.JOSERAULMARRERO.COM
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
COMO LE HABIAMOS COMUNICADO A TRAVEZ DE ESTE MEDIO ANTERIORMENTE, LA UNIVERSIDAD CENTRAL DE FLORIDA (UCF), ANUNCIO LA CONSTRUCCION EL LAS INMEDIACIONES DE LA NARCOOSEE RD Y CERCA DE LA PARTE SUR DEL AREOPUERTO INTERNACIONAL DE ORLANDO, UNA MILLONARIA INVERSION EN LA ESCUELA DE MEDICINA.
AHORA SE ANUNCIA QUE EL INSTITUTO DE BOITECNOLOGIA BURNHAM TAMBIEN INVERTIRA VARIOS MILLONES ADICIONALES EN LA APERTURA DE SU NUEVO CENTRO DE INVESTIGACIONES EN LA FLORIDA CENTRAL.
A CONTINUACION LA NOTICIA PROVISTA POR LA REVISTA PLANET REALTOR
Major biotech researcher picks Orlando for expansion
TALLAHASSEE, Fla. (AP) -- Aug. 24, 2006 -- Orlando will be the home of the Burnham Institute for Medical Research's new center in Florida, Gov. Jeb Bush and officials from the biotech researcher said Wednesday.
Orlando beat out Port St. Lucie in southeast Florida to be the home of the center, which is expected to bring up to 300 jobs over the next decade and, if all goes as hoped, bring other cutting edge research firms to the area as well.
Burnham will continue to operate its main research facility in the San Diego area in addition to the new center in Florida.
The institute's Florida expansion will be part of what officials anticipate will develop as a new regional center of medical treatment and research, anchored by Burnham and a newly approved medical school at the University of Central Florida, and also including a proposed new Veterans Administration Hospital and a newly announced collaboration between UCF and the University of Florida, which will do biotechnology research at the envisioned campus.
''We've got a medical city,'' said UCF President John Hitt. ''This announcement virtually assures the development of a life sciences cluster in the metro-Orlando area.''
The state put up $155 million to lure Burnham to the area, and local governments and private donors will add about the same amount to the package. The money was key to the decision, said Burnham's president, Dr. John Reed, because it will allow the institute to expand its research, which he said could lead to cures for diseases.
Burnham, which is based in the San Diego area, will be the second major medical research center to open a branch in Florida since Bush started a push to lure biotech institutes to the state. Bush's goal is to expand Florida's economic base beyond tourism and agriculture and he envisions an economy led into the new century by high-paying research jobs.
The Scripps Research Institute, which is building a research center in Jupiter, was the first such facility to gain state help to come here. It got a deal from the state and local governments worth more than $500 million.
The ability to be part of a burgeoning new group of life science research facilities went into Burnham's decision, Reed said. He said the central Florida location edged out the one in St. Lucie County because the VA hospital, the medical school and the institute would all be ''within walking distance,'' under Orlando's proposal.
Bush said that even though Burnham chose Orlando, its impact would still likely be felt in South Florida, with cooperation between Burnham and universities around the state, and possibly Scripps.
''This is a time for the state to celebrate statewide,'' Bush said.
Reed said the Orlando facility would allow Burnham to undertake a new focus on diabetes and obesity research, as well as expanding the center's research into cancer, degenerative diseases and infectious diseases.
Bush acknowledged that spending more than $300 million to lure 300 jobs was ''unorthodox'' from an economic development standpoint, but said it would have long-term effects that were hard to measure, including the possibility of changing the whole nature of the economy here. And it will bring to the state more than just the particular number of jobs.
''These are research institutes, and they're going to collaborate with our universities, as they already are, and they will create synergies that go way beyond just looking at this from a traditional 'jobs created divided by amount invested,''' Bush said. ''It doesn't fit that profile at all.
''It will draw private sector investment, it will draw the creative class, it will draw the dreamers and the doers and the kind of people that we need to sustain our communities,'' the governor said. ''It's a much more profound way of investing.''
Reed said luring of one initial intellectual enterprise will bring others, and said that will pay off economically in the long run, pointing to Burnham's base in San Diego.
''In our community for every dollar of grant money that a nonprofit brings in, another six and a half dollars are brought in through latent economic activity,'' Reed said. ''And in our community for every job we create in the nonprofit, research environment and research universities ... another 10 jobs are created in our community.''
Construction of the lab will take about two years, and in the interim the institute will use space at UCF.
Hitt said the announcement, and UCF's ability to work with Burnham jump-starts the university's planned new medical school and will quickly put it in the ranks of more established schools.
''This probably puts our development ahead 10 years or so,'' Hitt said. ''This is huge for us.''
Bush offered a consolation of sorts for South Florida, saying that it would likely be able to celebrate future additions to its own vision of a cluster around Scripps. He predicted it would be the first of many announcements of biotech expansion in the state over the next several years, including a couple before he leaves office in January.
Meanwhile, Palm Beach County commissioners are continuing to negotiate on a proposal that could bring another facility there.
The San Diego-based Torrey Pines Institute for Molecular Studies is asking the county for $21 million to put its headquarters in Boca Raton.
The proposal calls for the institute to bring in 189 jobs and build a 100,000 square-foot facility in Boca Raton on 10 acres of land that would be donated by the city.
Whether that center chooses Florida, ''we'll know that relatively soon, I think,'' Bush said.
GRACIAS POR VISITAR NUESTRO BLOGS
WWW.JOSERAULMARRERO.COM
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ!
Wednesday, August 23, 2006
1000 PERSONAS PROMEDIO SE MUDAN AL ESTADO DE LA FLORIDA DIARIAMENTE
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
SEGUN ESTADISTICAS DEL CENSO UN PROMEDIO DE CASI 1000 (MIL) PERSONAS SE MUDAN A AL ESTADO DEL SOL DIARIAMENTE. CON ESTA TENDENCIA PODRIAMOS CONVERTIRNOS EN UNO DE LOS ESTADOS MAS POBLADOS AUN MAS QUE EL ESTADO DE NEW YORK.
CON UNA POBLACION ACTUAL EN LOS 17.9 MILLONES A ESTE RITMO DE CRECIMIENTO, EL ESTADO PODRIA ALCANZAR UNA POBLACION DE 30 MILLONES PARA EL ANO 2030.
LA TENDENCIA DE AUMENTO EN EL VALOR DE LA TIERRA ES SOLO UNA DE LAS MANIFESTACIONES COLATERALES A ESTE ASPECTO.
CON UN CLIMA CASI TROPICAL EL ESTADO ES ATRACTIVOS PARA MILES DE NORTEAMERICANOS EN BUSCA DE PASAR SUS DIAS DE RETIRADO EN CLIMA CALIDO.LOS CONDADOS Y CIUDADES DEL CENTRO DE LA FLORIDA COMO SEBRING, OCALA, OKEECHOBEE, HAINES CITY, SOLO POR MENCIONAR ALGUNAS, PUDIERAN SER LAS MAS IMPACTADAS SIGNIFICATIVAMENTE POR ESTA EXPLOCION POBLACIONAL QUE SE ESTA MANIFESTANDO ACTUALMENTE.
POR EJEMPLO EN EL AREA DE SEBRING ABRIERON CUATRO MEGA TIENDAS RECIENTEMENTE.ESTO ES SIGNIFICATIVO POR QUE POR EJEMPLO, ESTAS CADENAS COMO WALMART HACEN ESTUDIOS DE VIABILIDAD ECONOMICA PARA SABER SI SUS TIENDAS TENDRAN EL EXITO ESPERADO. ESTA TIENDA EN SEBRING ESTA ABIERTA 24 HORAS. JUNTO A ESTA CADENA LA CIUDAD EXPANDIO SUS AVENIDAS PRINCIPALES Y OTRAS MEDIDAS. POR EJEMPLO SE RADICO UN PROYECTO EN LA LEGISLATURA PARA APROBAR LA CONSTRUCCION DE CASAS DUPLEX POR PREDIO DE TERRENO.
CONSTANTEMENTE ESTAMOS RECIBIENDO LLAMADAS DE PERSONAS QUE NOTIFICAN UN AUMENTO CONSIDERABLE DE LAS CONTRIBUCIONES SOBRE LA PROPIEDAD O LOTE QUE POSEEN EN SEBRING Y OTROS LUGARES DE LA FORIDA. ESO SE DEBE AL AUMENTO EN VALOR PARA EFECTOS CONTRIBUTIVOS QUE HA SIDO IMPACTADO CONSIDERABLEMENTE POR LOS VALORES ADQUIRIDOS DE MERCADO. MAS DEMANDA DE TIERRAS SIGNIFICA AUMENTO DE VALOR.
HOY EN DIA ESTOS SOLARES PUEDEN SER ADQUIRIDOS CON FACILIDADES DE FINANCIAMIENTO
EN MARRERO REAL ESTATE BROKERAGE LLC PODRIAMOS ORIENTARLES COMO ADQUIRIR UNA PROPIEDAD EN ESTAS ZONAS DE CRECIMIENTO, EXCELENTES OPORTUNIDADES PARA INVERTIR O MUDARSE.
GRACIAS POR VISITAR NUESTRO BLOG
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
SEGUN ESTADISTICAS DEL CENSO UN PROMEDIO DE CASI 1000 (MIL) PERSONAS SE MUDAN A AL ESTADO DEL SOL DIARIAMENTE. CON ESTA TENDENCIA PODRIAMOS CONVERTIRNOS EN UNO DE LOS ESTADOS MAS POBLADOS AUN MAS QUE EL ESTADO DE NEW YORK.
CON UNA POBLACION ACTUAL EN LOS 17.9 MILLONES A ESTE RITMO DE CRECIMIENTO, EL ESTADO PODRIA ALCANZAR UNA POBLACION DE 30 MILLONES PARA EL ANO 2030.
LA TENDENCIA DE AUMENTO EN EL VALOR DE LA TIERRA ES SOLO UNA DE LAS MANIFESTACIONES COLATERALES A ESTE ASPECTO.
CON UN CLIMA CASI TROPICAL EL ESTADO ES ATRACTIVOS PARA MILES DE NORTEAMERICANOS EN BUSCA DE PASAR SUS DIAS DE RETIRADO EN CLIMA CALIDO.LOS CONDADOS Y CIUDADES DEL CENTRO DE LA FLORIDA COMO SEBRING, OCALA, OKEECHOBEE, HAINES CITY, SOLO POR MENCIONAR ALGUNAS, PUDIERAN SER LAS MAS IMPACTADAS SIGNIFICATIVAMENTE POR ESTA EXPLOCION POBLACIONAL QUE SE ESTA MANIFESTANDO ACTUALMENTE.
POR EJEMPLO EN EL AREA DE SEBRING ABRIERON CUATRO MEGA TIENDAS RECIENTEMENTE.ESTO ES SIGNIFICATIVO POR QUE POR EJEMPLO, ESTAS CADENAS COMO WALMART HACEN ESTUDIOS DE VIABILIDAD ECONOMICA PARA SABER SI SUS TIENDAS TENDRAN EL EXITO ESPERADO. ESTA TIENDA EN SEBRING ESTA ABIERTA 24 HORAS. JUNTO A ESTA CADENA LA CIUDAD EXPANDIO SUS AVENIDAS PRINCIPALES Y OTRAS MEDIDAS. POR EJEMPLO SE RADICO UN PROYECTO EN LA LEGISLATURA PARA APROBAR LA CONSTRUCCION DE CASAS DUPLEX POR PREDIO DE TERRENO.
CONSTANTEMENTE ESTAMOS RECIBIENDO LLAMADAS DE PERSONAS QUE NOTIFICAN UN AUMENTO CONSIDERABLE DE LAS CONTRIBUCIONES SOBRE LA PROPIEDAD O LOTE QUE POSEEN EN SEBRING Y OTROS LUGARES DE LA FORIDA. ESO SE DEBE AL AUMENTO EN VALOR PARA EFECTOS CONTRIBUTIVOS QUE HA SIDO IMPACTADO CONSIDERABLEMENTE POR LOS VALORES ADQUIRIDOS DE MERCADO. MAS DEMANDA DE TIERRAS SIGNIFICA AUMENTO DE VALOR.
HOY EN DIA ESTOS SOLARES PUEDEN SER ADQUIRIDOS CON FACILIDADES DE FINANCIAMIENTO
EN MARRERO REAL ESTATE BROKERAGE LLC PODRIAMOS ORIENTARLES COMO ADQUIRIR UNA PROPIEDAD EN ESTAS ZONAS DE CRECIMIENTO, EXCELENTES OPORTUNIDADES PARA INVERTIR O MUDARSE.
GRACIAS POR VISITAR NUESTRO BLOG
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
Tuesday, August 22, 2006
POR CUARTA SEMANA CONSECUTIVA BAJA LA TAZA DE INTERES PARA HIPOTECAS
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA PARA TODOS
DURANTES LAS PASADAS SEMANAS CONFRONTAMOS PROBLEMAS CON NUESTRO SERVIDOR Y NO PUDO SER POSIBLE LA PUBLICACION DE LA NOTICIA DEL DIA COMO DE COSTUMBRE. NUESTRAS INDULGENCIAS POR LOS INCONVENIENTES.
A CONTINUACION UNA IMPORTANTE NOTICIA SOBRE COMO EL MERCADO DE BIENES RAICES MUESTRA ESTAR ENCONTRANDO UNA ESTABILIDAD.
Mortgage rates dip for fourth straight week
Mortgage Rate Trend
Index Mortgage rates have bottomed out and will now go up, according to 71 percent of the industry experts polled by Bankrate.com. No one predicted lower rates while the remaining 29 percent foresaw no change over the next 30 to 45 days.
WASHINGTON -- Aug. 18, 2006 -- Rates on 30-year mortgages fell for a fourth consecutive week as a slowing economy eased concerns about inflation.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages fell to 6.52 percent this week from 6.55 percent last week.
That was the lowest level for 30-year mortgages since they averaged 6.49 percent the week of April 13.
Mortgages had been rising since April, hitting a more than four-year high of 6.80 percent the week of July 20 before easing down.
Analysts attributed the rollback in rates to further evidence that the economy is slowing, which should ease inflation pressures.
"Long term rates continue to relax as economic reports support a picture of a weakening housing sector and a slower growing economy," said Frank Nothaft, chief economist at Freddie Mac.
Nothaft said this week's news that new home construction fell by 2.5 percent in July added to the belief that a slowing housing market will contribute to lower overall growth. This, in turn, will reduce inflation pressures and allow the Federal Reserve to call a halt to further rate hikes.
The central bank last week left rates unchanged, breaking a two-year period of rate increases, although policymakers left the door open to further rate hikes if inflation becomes a problem.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.20 percent this week, unchanged from last week.
For one-year adjustable-rate mortgages, rates dipped to 5.65 percent from 5.69 percent last week.
Rates on five-year adjustable-rate mortgages fell to 6.18 percent this week from 6.21 percent last week.
The mortgage rates do not include add-on fees known as points; a point is 1 percent of the total loan amount.
Thirty-year mortgages and 15-year mortgages both carried a nationwide average fee of 0.3 point. One-year ARMS carried a nationwide average fee of 0.5 point, while five-year ARMs carried an average fee of 0.4 point.
A year ago, 30-year mortgages averaged 5.80 percent, 15-year mortgages stood at 5.40 percent, one-year ARMs were at 4.58 percent and five-year ARMs averaged 5.34 percent.
A LA HORA DE BUSCAR ORIENTACION SOBRE COMO CONSEGUIR FINANCIAMIENTO PARA LA COMPRA DE TU PROPIEDAD ES IMPORTANTE EL SERVICIO BRINDADO Y NO SOLO EL CONSEGUIR UNA MEJOR TAZA DE INTERES. ES IMPORTANTE EL ACLARAR TODA DUDA RELACIONADA A SU PRESTAMO.EN MARRERO REAL ESTATE BROKERAGE LLC PODEMOS REFERIRLE A EXTRAORDINARIOS SERVICIOS BANCARIOS EN LA CLARIDAD DE TU IDIOMA.PUEDE LLAMARNOS CUANDO GUSTE AL 787-486-7906 O AL 407-436-5140
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA PARA TODOS
DURANTES LAS PASADAS SEMANAS CONFRONTAMOS PROBLEMAS CON NUESTRO SERVIDOR Y NO PUDO SER POSIBLE LA PUBLICACION DE LA NOTICIA DEL DIA COMO DE COSTUMBRE. NUESTRAS INDULGENCIAS POR LOS INCONVENIENTES.
A CONTINUACION UNA IMPORTANTE NOTICIA SOBRE COMO EL MERCADO DE BIENES RAICES MUESTRA ESTAR ENCONTRANDO UNA ESTABILIDAD.
Mortgage rates dip for fourth straight week
Mortgage Rate Trend
Index Mortgage rates have bottomed out and will now go up, according to 71 percent of the industry experts polled by Bankrate.com. No one predicted lower rates while the remaining 29 percent foresaw no change over the next 30 to 45 days.
WASHINGTON -- Aug. 18, 2006 -- Rates on 30-year mortgages fell for a fourth consecutive week as a slowing economy eased concerns about inflation.
Mortgage giant Freddie Mac said Thursday that 30-year, fixed-rate mortgages fell to 6.52 percent this week from 6.55 percent last week.
That was the lowest level for 30-year mortgages since they averaged 6.49 percent the week of April 13.
Mortgages had been rising since April, hitting a more than four-year high of 6.80 percent the week of July 20 before easing down.
Analysts attributed the rollback in rates to further evidence that the economy is slowing, which should ease inflation pressures.
"Long term rates continue to relax as economic reports support a picture of a weakening housing sector and a slower growing economy," said Frank Nothaft, chief economist at Freddie Mac.
Nothaft said this week's news that new home construction fell by 2.5 percent in July added to the belief that a slowing housing market will contribute to lower overall growth. This, in turn, will reduce inflation pressures and allow the Federal Reserve to call a halt to further rate hikes.
The central bank last week left rates unchanged, breaking a two-year period of rate increases, although policymakers left the door open to further rate hikes if inflation becomes a problem.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.20 percent this week, unchanged from last week.
For one-year adjustable-rate mortgages, rates dipped to 5.65 percent from 5.69 percent last week.
Rates on five-year adjustable-rate mortgages fell to 6.18 percent this week from 6.21 percent last week.
The mortgage rates do not include add-on fees known as points; a point is 1 percent of the total loan amount.
Thirty-year mortgages and 15-year mortgages both carried a nationwide average fee of 0.3 point. One-year ARMS carried a nationwide average fee of 0.5 point, while five-year ARMs carried an average fee of 0.4 point.
A year ago, 30-year mortgages averaged 5.80 percent, 15-year mortgages stood at 5.40 percent, one-year ARMs were at 4.58 percent and five-year ARMs averaged 5.34 percent.
A LA HORA DE BUSCAR ORIENTACION SOBRE COMO CONSEGUIR FINANCIAMIENTO PARA LA COMPRA DE TU PROPIEDAD ES IMPORTANTE EL SERVICIO BRINDADO Y NO SOLO EL CONSEGUIR UNA MEJOR TAZA DE INTERES. ES IMPORTANTE EL ACLARAR TODA DUDA RELACIONADA A SU PRESTAMO.EN MARRERO REAL ESTATE BROKERAGE LLC PODEMOS REFERIRLE A EXTRAORDINARIOS SERVICIOS BANCARIOS EN LA CLARIDAD DE TU IDIOMA.PUEDE LLAMARNOS CUANDO GUSTE AL 787-486-7906 O AL 407-436-5140
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ
Thursday, August 10, 2006
EN VIAS DE ESTABILIDAD MERCADO DE BIENES RAICES
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSOS DIA PARA TODOS
A CONTINUACION INFORMACION RELACIONADA AL COMPORTAMIENTO DE EL MERCADO DE BIENES RAICES ACTUALMENTE.
Home sales to hold fairly steady for balance of year
WASHINGTON -- Aug. 9, 2006 -- The housing market is in a process of stabilizing with little change in overall sales volume expected over the balance of the year, according to the National Association of Realtors (NAR).
David Lereah, NAR’s chief economist, says the indicators already are leveling-off. “We’ve seen a minor easing in closed transactions of existing-home sales, and a slight increase in the leading indicator of pending sales based on contracts,” he says. “New-home sales and housing starts have been fluctuating, so the overall market is stabilizing.”
“On one hand is the rise in mortgage interest rates that has slowed sales in many higher-cost markets, and on the other is 3.8 million new jobs over the last two years,” Lereah adds. “This means many potential homebuyers could enter the market in the foreseeable future, especially in moderately priced areas where affordability conditions remain favorable. In fact, this is already occurring.”
Although sales will be fairly steady over the balance of the year, declines since last fall mean annual totals will be lower. Existing-home sales are forecast to fall 6.5 percent to 6.61 million this year, the third highest on record after 2005 and 2004. New-home sales are projected to drop 12.8 percent in 2006 to 1.12 million, also the third best on record. Housing starts should be down 9.1 percent to 1.88 million this year.
The 30-year fixed-rate mortgage is running nearly a percentage point higher than a year ago but is likely to rise very slowly in the months ahead, reaching 6.9 percent in the fourth quarter.
NAR President Thomas M. Stevens says current market conditions are favorable for buyers. “The rise in housing supply is the biggest change in the market over the last year,” says Stevens. “Clearly, this has taken pressure off of home prices and has significantly widened choices for buyers. At the same time, sellers are getting excellent returns -- but in this competitive environment they need real estate professionals more than any time since the 1990s to market their homes and maximize value.”
The national median existing-home price for all housing types is forecast to grow 4.3 percent this year to $229,000, while the median new-home price is expected to rise only 0.5 percent to $242,100 as builders offer incentives to clear unsold inventory.
The unemployment rate should average 4.7 percent for the balance of the year. Inflation, as measured by the Consumer Price Index, is likely to be 3.5 percent for 2006, while growth in the U.S. gross domestic product is projected at 3.5 percent. Inflation-adjusted disposable personal income is expected to grow 3.0 percent this year.
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UN GRANDIOSOS DIA PARA TODOS
A CONTINUACION INFORMACION RELACIONADA AL COMPORTAMIENTO DE EL MERCADO DE BIENES RAICES ACTUALMENTE.
Home sales to hold fairly steady for balance of year
WASHINGTON -- Aug. 9, 2006 -- The housing market is in a process of stabilizing with little change in overall sales volume expected over the balance of the year, according to the National Association of Realtors (NAR).
David Lereah, NAR’s chief economist, says the indicators already are leveling-off. “We’ve seen a minor easing in closed transactions of existing-home sales, and a slight increase in the leading indicator of pending sales based on contracts,” he says. “New-home sales and housing starts have been fluctuating, so the overall market is stabilizing.”
“On one hand is the rise in mortgage interest rates that has slowed sales in many higher-cost markets, and on the other is 3.8 million new jobs over the last two years,” Lereah adds. “This means many potential homebuyers could enter the market in the foreseeable future, especially in moderately priced areas where affordability conditions remain favorable. In fact, this is already occurring.”
Although sales will be fairly steady over the balance of the year, declines since last fall mean annual totals will be lower. Existing-home sales are forecast to fall 6.5 percent to 6.61 million this year, the third highest on record after 2005 and 2004. New-home sales are projected to drop 12.8 percent in 2006 to 1.12 million, also the third best on record. Housing starts should be down 9.1 percent to 1.88 million this year.
The 30-year fixed-rate mortgage is running nearly a percentage point higher than a year ago but is likely to rise very slowly in the months ahead, reaching 6.9 percent in the fourth quarter.
NAR President Thomas M. Stevens says current market conditions are favorable for buyers. “The rise in housing supply is the biggest change in the market over the last year,” says Stevens. “Clearly, this has taken pressure off of home prices and has significantly widened choices for buyers. At the same time, sellers are getting excellent returns -- but in this competitive environment they need real estate professionals more than any time since the 1990s to market their homes and maximize value.”
The national median existing-home price for all housing types is forecast to grow 4.3 percent this year to $229,000, while the median new-home price is expected to rise only 0.5 percent to $242,100 as builders offer incentives to clear unsold inventory.
The unemployment rate should average 4.7 percent for the balance of the year. Inflation, as measured by the Consumer Price Index, is likely to be 3.5 percent for 2006, while growth in the U.S. gross domestic product is projected at 3.5 percent. Inflation-adjusted disposable personal income is expected to grow 3.0 percent this year.
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Tuesday, August 08, 2006
IMPACTANTE PRESENCIA DE NUEVOS ESTUDIANTES DE PUERTO RICO EN LA NUEVO ANO ACADEMICO EN LAS ESCUELAS DE FLORIDA CENTRAL
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
DURANTE UNA CONVERSACION CON MIS HIJOS SOBRE SU PRIMER DIA DE CLASES AQUI EN LA FLORIDA CENTRAL, DISCUTIMOS SOBRE LA CANTIDAD DE ESTUDIANTES MATRICULADOS POR PRIMERA OCASION EN SUS RESPECTIVAS ESCUELAS.
MI NINA CURSA ESTUDIOS EN MIDDLE SCHOOL Y MI OTRO HIJO EN LA ESCUELA SUPERIOR.
MI NINA ME COMENTA QUE AL MENOS 25 ESTUDIANTES VIENEN PROCEDENTES DE P.R. A COMENZAR A ESTUDIAR EN SU ESCUELA. TAMBIEN MENCIONO QUE UNO DE ELLOS ES PROCEDENTE DE RUSIA Y ALGUNOS OTROS DE OTROS PAISES.
EN CUANTO A LA ESCUELA SUPERIOR, MI HIJO ME INDICA UNA GRAN CANTIDAD DE ESTUDIANTES PROCEDENTES DE P.R. A SI COMO DE VENEZUELA, COLOMBIA, R.D. Y OTROS PAISES LATINOAMERICANOS.
EL PANORAMA REFLEJA UN SUSTANCIAL AUMENTO DE ESTUDIANTES EN LAS ESCUELAS CON UNA DIVERSIDAD MULTICULTURAL ESTUPENDA.
ESTO PONE DE MANIFIESTO TAMBIEN LA REALIDAD SOBRE LA CANTIDAD DE PERSONAS QUE SE ESTAN MUDANDO DE P.R. BUSCANDO NUEVAS OPORTUNIDADES Y UNA MEJOR CALIDAD DE VIDA PARA SUS HIJOS.
LA IMPORTANCIA DE LOS PROGRAMAS DE EDUCACION BILINGUE SIGUEN AUMENTANDO CONSIDERABLEMENTE. LAS ESCUELAS SIGUEN ANADIENDO ESPACIO EN SUS PLANTELES PARA CONTINUAR RECIBIENDO NUEVOS ESTUDIANTES.
SIN DUDA LOS CONDADOS TENDRAN QUE PLANIFICAR LA CONSTRUCCION DE NUEVAS ESCUELAS A LA BREVEDAD POSIBLE.
SI POR CASUALIDAD CUBA ABRIERA SUS PUERTAS NO ME CABE LA MENOR DUDA DE QUE LA REGION DE LA FLORIDA CENTRAL RECIBIRA UN IMPACTO SIN PRESEDENTES EN EL AUMENTO DE SU POBLACION HISPANA.
HABRA MUCHAS OPORTUNIDADES DE CRECIMIENTO ECONOMICO Y CULTURAL. LA EXPERIENCA EN EL PASADO FUE DE ALGUNOS PROBLEMAS DE INFRAESTRUCTURA POR NO ESPERARSE ESTE CRECIMIENTO EN LOS PASADOS CINCO ANOS.
POR ESO ES IMPORTANTE PLANIFICAR ADECUADAMENTE AHORA DE COMO CANALIZAR ESTE CRECIMIENTO ANTE ESTAS REALIDADES QUE SE MANIFIESTAN HOY EN DIA EN LA FLORIDA CENTRAL.
EN MARRERO REAL ESTATE LE AGRADECEMOS SU VISITA A NUESTRO BLOG
www.joseraulmarrero.com
JOSE RAUL MARRERO
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
DURANTE UNA CONVERSACION CON MIS HIJOS SOBRE SU PRIMER DIA DE CLASES AQUI EN LA FLORIDA CENTRAL, DISCUTIMOS SOBRE LA CANTIDAD DE ESTUDIANTES MATRICULADOS POR PRIMERA OCASION EN SUS RESPECTIVAS ESCUELAS.
MI NINA CURSA ESTUDIOS EN MIDDLE SCHOOL Y MI OTRO HIJO EN LA ESCUELA SUPERIOR.
MI NINA ME COMENTA QUE AL MENOS 25 ESTUDIANTES VIENEN PROCEDENTES DE P.R. A COMENZAR A ESTUDIAR EN SU ESCUELA. TAMBIEN MENCIONO QUE UNO DE ELLOS ES PROCEDENTE DE RUSIA Y ALGUNOS OTROS DE OTROS PAISES.
EN CUANTO A LA ESCUELA SUPERIOR, MI HIJO ME INDICA UNA GRAN CANTIDAD DE ESTUDIANTES PROCEDENTES DE P.R. A SI COMO DE VENEZUELA, COLOMBIA, R.D. Y OTROS PAISES LATINOAMERICANOS.
EL PANORAMA REFLEJA UN SUSTANCIAL AUMENTO DE ESTUDIANTES EN LAS ESCUELAS CON UNA DIVERSIDAD MULTICULTURAL ESTUPENDA.
ESTO PONE DE MANIFIESTO TAMBIEN LA REALIDAD SOBRE LA CANTIDAD DE PERSONAS QUE SE ESTAN MUDANDO DE P.R. BUSCANDO NUEVAS OPORTUNIDADES Y UNA MEJOR CALIDAD DE VIDA PARA SUS HIJOS.
LA IMPORTANCIA DE LOS PROGRAMAS DE EDUCACION BILINGUE SIGUEN AUMENTANDO CONSIDERABLEMENTE. LAS ESCUELAS SIGUEN ANADIENDO ESPACIO EN SUS PLANTELES PARA CONTINUAR RECIBIENDO NUEVOS ESTUDIANTES.
SIN DUDA LOS CONDADOS TENDRAN QUE PLANIFICAR LA CONSTRUCCION DE NUEVAS ESCUELAS A LA BREVEDAD POSIBLE.
SI POR CASUALIDAD CUBA ABRIERA SUS PUERTAS NO ME CABE LA MENOR DUDA DE QUE LA REGION DE LA FLORIDA CENTRAL RECIBIRA UN IMPACTO SIN PRESEDENTES EN EL AUMENTO DE SU POBLACION HISPANA.
HABRA MUCHAS OPORTUNIDADES DE CRECIMIENTO ECONOMICO Y CULTURAL. LA EXPERIENCA EN EL PASADO FUE DE ALGUNOS PROBLEMAS DE INFRAESTRUCTURA POR NO ESPERARSE ESTE CRECIMIENTO EN LOS PASADOS CINCO ANOS.
POR ESO ES IMPORTANTE PLANIFICAR ADECUADAMENTE AHORA DE COMO CANALIZAR ESTE CRECIMIENTO ANTE ESTAS REALIDADES QUE SE MANIFIESTAN HOY EN DIA EN LA FLORIDA CENTRAL.
EN MARRERO REAL ESTATE LE AGRADECEMOS SU VISITA A NUESTRO BLOG
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Monday, August 07, 2006
BAJAN LOS INTERESES HIPOTECARIOS POR SEGUNDA SEMANA
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN GRANDIOSO DIA PARA TODOS
POR SEGUNDA SEMANA SE REFLEJA BAJA EN LOS INTERESES HIPOTECARIOS. A CONTINUACION EL REPORTAJE EN DETALLE.
Mortgage rates dip for second straight week
WASHINGTON -- Aug. 4, 2006 -- Mortgage rates around the country dipped for the second week in a row, a dose of encouraging news for people thinking about buying a home.
Mortgage company Freddie Mac, in its weekly survey released Thursday, said that rates on 30-year, fixed-rate mortgages dropped to a nationwide average of 6.63 percent for the week ending Aug. 2. That was down from last week's rate of 6.72 percent and was the lowest since mid-June.
Economists viewed the back-to-back dips as a nice reprieve from rates that have slowly moved upward this year.
"Although lower rates are a welcome sight, we still feel that the 30-year, fixed-rate mortgage rate will drift up and down somewhat over the next few months, but will average less than 7 percent for the year," said Frank Nothaft, Freddie Mac's chief economist.
Two weeks ago, rates on 30-year mortgages climbed to 6.80 percent, the highest in more than four years. Home sales, which set record highs for five years running, have slowed this year as higher mortgage rates and still-solid home prices have made it too expensive for some people to buy.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.27 percent this week, down 6.34 percent last week.
For one-year adjustable-rate mortgages, rates declined to 5.69 percent, compared with 5.78 percent last week. Rates on five-year adjustable-rate mortgages fell to 6.27 percent this week, from 6.35 percent last week.
The mortgage rates do not include add-on fees known as points. The 30-year and 15-year mortgages each carried a nationwide average fee of 0.3 point. One-year ARMs carried an average fee of 0.7 point, and five-year adjustables had a fee of 0.4 point.
A year ago, 30-year mortgages averaged 5.82 percent, 15-year mortgages stood at 5.38 percent, one-year ARMs were at 4.47 percent and five-year ARMs averaged 5.30 percent.
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UN GRANDIOSO DIA PARA TODOS
POR SEGUNDA SEMANA SE REFLEJA BAJA EN LOS INTERESES HIPOTECARIOS. A CONTINUACION EL REPORTAJE EN DETALLE.
Mortgage rates dip for second straight week
WASHINGTON -- Aug. 4, 2006 -- Mortgage rates around the country dipped for the second week in a row, a dose of encouraging news for people thinking about buying a home.
Mortgage company Freddie Mac, in its weekly survey released Thursday, said that rates on 30-year, fixed-rate mortgages dropped to a nationwide average of 6.63 percent for the week ending Aug. 2. That was down from last week's rate of 6.72 percent and was the lowest since mid-June.
Economists viewed the back-to-back dips as a nice reprieve from rates that have slowly moved upward this year.
"Although lower rates are a welcome sight, we still feel that the 30-year, fixed-rate mortgage rate will drift up and down somewhat over the next few months, but will average less than 7 percent for the year," said Frank Nothaft, Freddie Mac's chief economist.
Two weeks ago, rates on 30-year mortgages climbed to 6.80 percent, the highest in more than four years. Home sales, which set record highs for five years running, have slowed this year as higher mortgage rates and still-solid home prices have made it too expensive for some people to buy.
Rates on 15-year, fixed-rate mortgages, a popular choice for refinancing, averaged 6.27 percent this week, down 6.34 percent last week.
For one-year adjustable-rate mortgages, rates declined to 5.69 percent, compared with 5.78 percent last week. Rates on five-year adjustable-rate mortgages fell to 6.27 percent this week, from 6.35 percent last week.
The mortgage rates do not include add-on fees known as points. The 30-year and 15-year mortgages each carried a nationwide average fee of 0.3 point. One-year ARMs carried an average fee of 0.7 point, and five-year adjustables had a fee of 0.4 point.
A year ago, 30-year mortgages averaged 5.82 percent, 15-year mortgages stood at 5.38 percent, one-year ARMs were at 4.47 percent and five-year ARMs averaged 5.30 percent.
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Friday, August 04, 2006
CAUTELA EN LA INDUSTRIA DE LA CONSTRUCCION EN LA FLORIDA
MARRERO REAL ESTTE BROKER LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA PARA TODOS
HOY LES PRESENTO UNA NOTICIA DEL ORLANDO SENTINEL SOBRE EL RESULTADO DE UNA REUNION DE LOS DESAROLLADORES Y CONTRATISTAS CELEBRADO EL ESTADO DE FLORIDA.
CON UN PRONOSTICO DE LO QUE QUEDA DEL ANO 2006 Y EL 2007 Y LA EXPECTATIVA DE UN REGRESO A UN MERCADO FAVORABLE PARA EL 2008.
A CONTINUACION EL TEXTO DE LA NOTICIA
ORLANDO, Fla. -- Aug. 3, 2006 -- Top housing-industry economists warned home builders meeting in Orlando on Wednesday that the industry will remain weak the rest of this year and next before possibly rebounding in 2008.
Higher interest rates and declining affordability are taking a toll, said David Seiders, chief economist for the National Association of Home Builders, and David Berson, chief economist for the Federal National Mortgage Association, known as Fannie Mae.
"I'm trimming everything in our forecast," Seiders told more than 100 people attending an industry forum in the Rosen Centre Hotel preceding today's opening of the Southeast Building Conference in the Orange County Convention Center.
"The economy has slowed and will slow further. I've got it that way through next year," he said.
Seiders said cancellations of new-home sales contracts are up sharply, builder confidence has plummeted, investor-owned homes are boosting inventory to record levels and home prices are starting to slip.
"Something is seriously going on here," said Seiders, who repeated a previous warning that "it's more than an orderly downturn."
Berson took a slightly more optimistic tone during the forum but did caution that, if oil prices continue to rise and another shock hits the U.S. economy, such as bird flu or a terrorist attack, "it could tip us into recession in 2007."
Both Berson and Seiders noted that Florida has advantages over most other states, with stronger job creation and healthier in-migration of residents. Those strengths seem to be remaining in place for both the home-construction and resale markets, though the state's rapid price run-up of recent years has set the stage for a steeper decline -- and the crisis in property-insurance availability and affordability is a negative force adding to the headwinds.
Florida's recent home-price appreciation rate -- averaging about 15 percent a year for each of the past five years -- is unsustainable, Berson said, and the question now is just how much the market will slow before stabilizing.
Seiders said he continues to be concerned that the Federal Reserve's interest-rate hikes are having an unintended consequence in that they drive up the so-called core inflation rate in a respect related to the ongoing downswing in housing.
While rising interest rates increase borrowing costs and slow the economy -- as they're supposed to do -- they also shift more consumers into the rental market, boosting apartment rates, and that gets factored into the federal government's Consumer Price Index, signaling more inflation, Seiders said.
"It turns out that Fed tightening is inflationary. How crazy is that," he said.
Seiders said that while he does have confidence in new Federal Reserve Chairman Ben Bernanke, Fed officials seem relatively unconcerned that interest-rate increases, aimed at combating inflation, could actually contribute to inflationary pressure. Some members of Congress have taken note, he said, but it's unclear what might be done.
The Southeast Building Conference, which officially kicks off today with educational sessions and trade-show exhibits, continues through Saturday in the convention center's West Building. The event is open only to industry professionals.
Copyright © 2006 The Orlando Sentinel, Fla. Jerry W. Jackson. Distributed by McClatchy-Tribune Business News.
RECOMENDAMOS A TODAS AQUELLAS PERSONAS QUE DESEAN COMPRAR EN LA FLORIDA QUE AHORA ES EL MOMENTO MAS INDICADO PARA OBTENER GRANDES BENEFICOS POR PARTE DE LOS DESARROLLADORES.
CUANDO EL MERCADO VUELVA HACER FAVORABLE PARA LOS DESARROLLADORES DE NUEVO SE CONVERTIRA EN UN SELLER MARKET CON MUY POCOS O NINGUN INCENTIVO A LOS COMPRADORES.
APROVECHE AHORA
EN MARRERO REAL ESTATE ESTAMOS PARA SERVIRLE SIEMPRE
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UN MARAVILLOSO DIA PARA TODOS
HOY LES PRESENTO UNA NOTICIA DEL ORLANDO SENTINEL SOBRE EL RESULTADO DE UNA REUNION DE LOS DESAROLLADORES Y CONTRATISTAS CELEBRADO EL ESTADO DE FLORIDA.
CON UN PRONOSTICO DE LO QUE QUEDA DEL ANO 2006 Y EL 2007 Y LA EXPECTATIVA DE UN REGRESO A UN MERCADO FAVORABLE PARA EL 2008.
A CONTINUACION EL TEXTO DE LA NOTICIA
ORLANDO, Fla. -- Aug. 3, 2006 -- Top housing-industry economists warned home builders meeting in Orlando on Wednesday that the industry will remain weak the rest of this year and next before possibly rebounding in 2008.
Higher interest rates and declining affordability are taking a toll, said David Seiders, chief economist for the National Association of Home Builders, and David Berson, chief economist for the Federal National Mortgage Association, known as Fannie Mae.
"I'm trimming everything in our forecast," Seiders told more than 100 people attending an industry forum in the Rosen Centre Hotel preceding today's opening of the Southeast Building Conference in the Orange County Convention Center.
"The economy has slowed and will slow further. I've got it that way through next year," he said.
Seiders said cancellations of new-home sales contracts are up sharply, builder confidence has plummeted, investor-owned homes are boosting inventory to record levels and home prices are starting to slip.
"Something is seriously going on here," said Seiders, who repeated a previous warning that "it's more than an orderly downturn."
Berson took a slightly more optimistic tone during the forum but did caution that, if oil prices continue to rise and another shock hits the U.S. economy, such as bird flu or a terrorist attack, "it could tip us into recession in 2007."
Both Berson and Seiders noted that Florida has advantages over most other states, with stronger job creation and healthier in-migration of residents. Those strengths seem to be remaining in place for both the home-construction and resale markets, though the state's rapid price run-up of recent years has set the stage for a steeper decline -- and the crisis in property-insurance availability and affordability is a negative force adding to the headwinds.
Florida's recent home-price appreciation rate -- averaging about 15 percent a year for each of the past five years -- is unsustainable, Berson said, and the question now is just how much the market will slow before stabilizing.
Seiders said he continues to be concerned that the Federal Reserve's interest-rate hikes are having an unintended consequence in that they drive up the so-called core inflation rate in a respect related to the ongoing downswing in housing.
While rising interest rates increase borrowing costs and slow the economy -- as they're supposed to do -- they also shift more consumers into the rental market, boosting apartment rates, and that gets factored into the federal government's Consumer Price Index, signaling more inflation, Seiders said.
"It turns out that Fed tightening is inflationary. How crazy is that," he said.
Seiders said that while he does have confidence in new Federal Reserve Chairman Ben Bernanke, Fed officials seem relatively unconcerned that interest-rate increases, aimed at combating inflation, could actually contribute to inflationary pressure. Some members of Congress have taken note, he said, but it's unclear what might be done.
The Southeast Building Conference, which officially kicks off today with educational sessions and trade-show exhibits, continues through Saturday in the convention center's West Building. The event is open only to industry professionals.
Copyright © 2006 The Orlando Sentinel, Fla. Jerry W. Jackson. Distributed by McClatchy-Tribune Business News.
RECOMENDAMOS A TODAS AQUELLAS PERSONAS QUE DESEAN COMPRAR EN LA FLORIDA QUE AHORA ES EL MOMENTO MAS INDICADO PARA OBTENER GRANDES BENEFICOS POR PARTE DE LOS DESARROLLADORES.
CUANDO EL MERCADO VUELVA HACER FAVORABLE PARA LOS DESARROLLADORES DE NUEVO SE CONVERTIRA EN UN SELLER MARKET CON MUY POCOS O NINGUN INCENTIVO A LOS COMPRADORES.
APROVECHE AHORA
EN MARRERO REAL ESTATE ESTAMOS PARA SERVIRLE SIEMPRE
GRACIAS POR VISITAR NUESTRO BLOG www.joseraulmarrero.com
JOSE RAUL MARRERO
407-436-5140
787 486-7906
TODOS SOMOS GUERREROS DE LUZ!
Thursday, August 03, 2006
INDICE DE CONTRATOS PENDIENTES PARA CIERRE SUBE POR SEGUNDO MES CONSECUTIVO.
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA PARA TODOS
EN UNA MUESTRA DE QUE EL MERCADO SE PUDIERA ESTAR ESTABILIZANDO, EL INDICE DE CONTRATOS PENDIENTES PARA CIERRE DE PROPIEDADES AUMENTO A NIVEL NACIONAL POR SEGUNDO MES CONSECUTIVO.
COMO HABIAMOS DISCUTIDO EN PUBLICACIONES ANTERIORES ESTE SECTOR SE REFIERE CUANDO EXISTE UN COMPRADOR DISPUESTO Y UN VENDEDOR DISPUESTO A CONCLUIR UNA TRANSACION DE BIENES RAICES Y AMBOS HAN FIRMADO UN CONTRATO DE COMPRAVENTA SUJETO A VARIAS CONDICIONES.
ESTE INDICE DE CONTRATOS FIRMADOS EN JUNIO,AL QUE HACEMOS REFERENCIA HOY, REFLEJA UN INCREMENTO DE .4% CON RELACION AL MES DE MAYO 2006.
ESTE INDICE ES 9.6% MENOR QUE EL MES DE JUNIO DEL 2005.
CIERTAMENTE EXISTEN OTROS INDICADORES QUE SE MUEVEN EN OTRA DIRECCION PERO APARENTEMENTE EL MERCADO PODRIA ESTAR REFLEJANDO EL REGRESO DE LOS COMPRADORES AHORA EN CONDICIONES A SU FAVOR POR LA CANTIDAD DE INCENTIVOS QUE ESTAN BRINDANDO LOS VENDEDORES Y DESARROLLADORES COMO APORTACION DE GASTOS DE CIERRE, PAGO DE HOA, PICINA, VACACIONES, ENTRE OTROS.
ESTE ES EL MEJOR MOMENTO PARA COMPRAR.
GRACIAS POR VISITAR NUESTRO BLOG www.joseraulmarrero.com
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAL MARRERO
REAL ESTATE BROKER LIC
UN MARAVILLOSO DIA PARA TODOS
EN UNA MUESTRA DE QUE EL MERCADO SE PUDIERA ESTAR ESTABILIZANDO, EL INDICE DE CONTRATOS PENDIENTES PARA CIERRE DE PROPIEDADES AUMENTO A NIVEL NACIONAL POR SEGUNDO MES CONSECUTIVO.
COMO HABIAMOS DISCUTIDO EN PUBLICACIONES ANTERIORES ESTE SECTOR SE REFIERE CUANDO EXISTE UN COMPRADOR DISPUESTO Y UN VENDEDOR DISPUESTO A CONCLUIR UNA TRANSACION DE BIENES RAICES Y AMBOS HAN FIRMADO UN CONTRATO DE COMPRAVENTA SUJETO A VARIAS CONDICIONES.
ESTE INDICE DE CONTRATOS FIRMADOS EN JUNIO,AL QUE HACEMOS REFERENCIA HOY, REFLEJA UN INCREMENTO DE .4% CON RELACION AL MES DE MAYO 2006.
ESTE INDICE ES 9.6% MENOR QUE EL MES DE JUNIO DEL 2005.
CIERTAMENTE EXISTEN OTROS INDICADORES QUE SE MUEVEN EN OTRA DIRECCION PERO APARENTEMENTE EL MERCADO PODRIA ESTAR REFLEJANDO EL REGRESO DE LOS COMPRADORES AHORA EN CONDICIONES A SU FAVOR POR LA CANTIDAD DE INCENTIVOS QUE ESTAN BRINDANDO LOS VENDEDORES Y DESARROLLADORES COMO APORTACION DE GASTOS DE CIERRE, PAGO DE HOA, PICINA, VACACIONES, ENTRE OTROS.
ESTE ES EL MEJOR MOMENTO PARA COMPRAR.
GRACIAS POR VISITAR NUESTRO BLOG www.joseraulmarrero.com
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
Tuesday, August 01, 2006
QUE ES LA PUNTUACION DE SU CREDITO (CREDIT SCORES)?
MARRERO REAL ESTATE BROKERAGE LLC
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC.
ESPERANDO UN MARAVILLOSO DIA PARA TODOS
HOY CONVERSAREMOS BREVEMENTE SOBRE COMO SE DETERMINA LA PUNTUACION DE SU CREDITO.
PRIMERO: QUE ES LA PUNTUACION DE CREDITO (CREDIT SCORE)?.
ES EL HISTORIAL DE RIESGO DE SU CREDITO CONDENSADO EN VALORES NUMERICOS AL MOMENTO DE SER SOLICITADO UN REPORTE POR UN PRESTAMISTA A UNA AGENCIA DE CREDITO. UNO DE LOS REPORTES MAS USADOS ES PROVISTO POR FAIR ISAAC (FICO) QUE MANTIENE SU BASE DE DATOS SOBRE INFORMACION BRINDADA POR LOS BANCOS O INSTITUCIONES QUE MANTIENEN RECORDS DE CREDITOS.
COMO PUEDE AYUDARLE EL REPORTE DE CREDITO?
LAS PERSONAS PUEDEN ASPIRAR A CONSEGUIR PRESTAMOS DE UNA MANERA MAS RAPIDA CONTRARIO A MUCHOS LUGARES EN EL MUNDO QUE NO LLEVAN ESTOS REGISTROS. HOY EN DIA HASTA POR INTERNET USTED PUEDE OBTENER UNA DESICION DE CREDITO EN MINUTOS Y HASTA EN SEGUNDOS.
TAMBIEN LAS DESICIONES SOBRE LA APROBACION O NO DE UN CREDITO SOLICITADO SOLO SE BASA EN FACTORES DE RIESGO REFLEJADAS EN ESTE TIPO DE REPORTE, CONTRARIO A FACTORES COMO NACIONALIDAD, RELIGION O ESTATUS MARITAL POR EJEMPLO.
CIERTAMENTE UN POBRE DESEMPENO EN LA PUNTUALIDAD DE LOS PAGOS AFECTA EL RESULTADO FINAL DE SU PUNTUACION DE CREDITO, PERO ES IMPORTANTE SENALAR QUE ESTE HECHO NO LO PERSEGUIRA DE POR VIDA Y QUE SI USTED MEJORA LA PUNTUALIDAD DE SUS PAGOS CON EL PASO DEL TIEMPO LA PUNTUACION DE SU CREDITO IRA MEJORANDO.
HAY FORMAS DE USTED VERIFICAR SU PUNTUACION DE CREDITO YA QUE NO ES UNA MALA IDEA QUE USTED VERIFIQUE SU REPORTE DE CREDITO AL MENOS UNA VEZ CADA DOS ANOS YA QUE SE HAN DADO CASOS DE ERRORES QUE USTED PODRIA SUBSANAR BRINDANDO INFORMACION CORRECTA A TIEMPO.
PARA REQUERIR UNA COPIA DE SU CREDITO USTED PODRIA SOLICTARLA A EQUIFAX 800 685-1111 EN LA DIRECCON ELECTRONICA WWW.equifax.com .
TAMBIEN EXISTEN OTRAS COMO EXPERIDIAN (www.experidian.com) Y TRANSUNION 800 888-4213
WWW.transunion.com.
CUALES FACTORES CONSIDERA FICO PARA DETERMINAR SU PUNTUACION?
EL PRIMER FACTOR ES EL HISTORIAL DE PAGOS. AUNQUE NO SOLAMENTE EL HISTORAL DE PUNTUALIDAD DE PAGOS ES EL QUE DETERMINA SU PUNTUACION, SI SE TOMA EN CONSIDERACION VARIOS FACTORES COMO POR EJEMPLO, SI SE HA REGISTRADO UNA BANCARROTA, SI SE HA SIDO DELICUENTES EN LOS PAGOS, SI SE HA TENIDO ALGUNA DEMANDA DE COBRO, JUICIO DE EMBARGO ENTRE OTROS. ES IMPORTANTE SENALAR QUE EL 35% DE SU PUNTACION DE CREDITO ES BASADO EN ESTE RENGLON.
EL SEGUNDO FACTOR ES CUANTO DINERO TENEMOS EN NUESTRAS CUENTAS BANCARIAS O EN OTROS ACTIVOS. EL BANCO CONSIDERA MENOR EL RIESGO CUANDO SE PRESENTA UN BUEN BALANCE DE DINERO DISPONIBLE EN NUESTRAS CUENTAS BANCARIAS O BUENOS ACTIVOS. APROXIMADAMENTE EL 30% DE SU PUNTUACION ES BASADA EN ESTA INFORMACION.
TERCER FACTOR ES DESDE CUANDO TENEMOS HISTORIAL DE CREDITO. CUANTO MAS VIEJA ES NUESTRA PRIMERA EXPERIENCIA DE CREDITO MEJOR LA PUNTUACION. HASTA UN 15% DE ESTE REGLON SE CONSIDERA EN LA PUNTUACION FINAL.
CUARTO ES EL NUEVO CREDITO, POR EJEMPLO CUANTAS LINEAS DE CREDITO EN TARJETAS HEMOS ABIERTO RECIENTEMENTE?. POR CIERTO NO ES RECOMENDABLE TENER MUCHAS TARJETAS DE CREDITO CON CUENTAS ABIERTAS SIN UTILIZAR POR QUE EL PRESTAMISTA CONSIDERA QUE USTED PODRIA EN CUALQUIER MOMENTO UTILIZAR ESTAS LINIAS DE CREDITO Y PONER EN RIESGO SU PRESTAMO. EL 10% DE ESTE REGON SE CONSIDERA PARA SU PUNTUACION.
QUINTO: QUE TIPOS DE CREDITOS ESTAN EN USO ACTUALMENTE POR USTED? SE CONSIDERA SIN SON PRESTAMOS PERSONALES, DE AUTOS, DE HIPOTECAS, ECT. SE DETERMINA CUAN SALUDABLE ES PARA SUS FINANZAS ESTA MEZCLA DE CREDITOS EN USO. HASTA OTRO 10% DE ESTE RENGLON ES UTILIZADO PARA DETERMINAR LA PUNTUACION DE SU CREDITO.
SOLICITAR ESPORADICAMENTE INFORMACION DE SU REPORTE DE CREDITO NO NECESARIAMENTE AFECTA LA PUNTUACION DE SU CREDITO PERO SI SE DETERMINA UNA CANTIDAD SUSTANCIAL DE REQUERIMIENTOS DE REPORTES DE CREDITOS DENTRO DE UN PERIODO CORTO DE TIEMPO, EL BANCO PUEDE CONSIDERAR ALTO RIESGO DE DELARACION DE QUIEBRA Y BAJARIA DRAMATICAMENTE LA PUNTUACION.
SIN EMBARGO COMO SENALAMOS ANTERIORMENTE SE RECOMIENDA SOLICITAR UN REPORTE DE CREDITO PARA SU EXAMEN. ES IMPORTANTE QUE EL MISMO NO SEA SOLICITADO EN UN PERIODO MUY CERCA DE HABER COMPRADO UNA CASA , AUTO O PRESTAMO POR QUE EL REPORTE PODRIA NO REFLEJAR ESTA TRANSACCION TODAVIA.
PARA VER SU PUNTUACION DE CREDITO (FIC0)USTED PUEDE VISITAR www.myfico.com
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA SERVIRLE SIEMPRE
GRACIAS POR VISITAR NUESTRO BLOGS www.joseraulmarrero.com
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
JOSE RAUL MARRERO
REAL ESTATE BROKER LIC.
ESPERANDO UN MARAVILLOSO DIA PARA TODOS
HOY CONVERSAREMOS BREVEMENTE SOBRE COMO SE DETERMINA LA PUNTUACION DE SU CREDITO.
PRIMERO: QUE ES LA PUNTUACION DE CREDITO (CREDIT SCORE)?.
ES EL HISTORIAL DE RIESGO DE SU CREDITO CONDENSADO EN VALORES NUMERICOS AL MOMENTO DE SER SOLICITADO UN REPORTE POR UN PRESTAMISTA A UNA AGENCIA DE CREDITO. UNO DE LOS REPORTES MAS USADOS ES PROVISTO POR FAIR ISAAC (FICO) QUE MANTIENE SU BASE DE DATOS SOBRE INFORMACION BRINDADA POR LOS BANCOS O INSTITUCIONES QUE MANTIENEN RECORDS DE CREDITOS.
COMO PUEDE AYUDARLE EL REPORTE DE CREDITO?
LAS PERSONAS PUEDEN ASPIRAR A CONSEGUIR PRESTAMOS DE UNA MANERA MAS RAPIDA CONTRARIO A MUCHOS LUGARES EN EL MUNDO QUE NO LLEVAN ESTOS REGISTROS. HOY EN DIA HASTA POR INTERNET USTED PUEDE OBTENER UNA DESICION DE CREDITO EN MINUTOS Y HASTA EN SEGUNDOS.
TAMBIEN LAS DESICIONES SOBRE LA APROBACION O NO DE UN CREDITO SOLICITADO SOLO SE BASA EN FACTORES DE RIESGO REFLEJADAS EN ESTE TIPO DE REPORTE, CONTRARIO A FACTORES COMO NACIONALIDAD, RELIGION O ESTATUS MARITAL POR EJEMPLO.
CIERTAMENTE UN POBRE DESEMPENO EN LA PUNTUALIDAD DE LOS PAGOS AFECTA EL RESULTADO FINAL DE SU PUNTUACION DE CREDITO, PERO ES IMPORTANTE SENALAR QUE ESTE HECHO NO LO PERSEGUIRA DE POR VIDA Y QUE SI USTED MEJORA LA PUNTUALIDAD DE SUS PAGOS CON EL PASO DEL TIEMPO LA PUNTUACION DE SU CREDITO IRA MEJORANDO.
HAY FORMAS DE USTED VERIFICAR SU PUNTUACION DE CREDITO YA QUE NO ES UNA MALA IDEA QUE USTED VERIFIQUE SU REPORTE DE CREDITO AL MENOS UNA VEZ CADA DOS ANOS YA QUE SE HAN DADO CASOS DE ERRORES QUE USTED PODRIA SUBSANAR BRINDANDO INFORMACION CORRECTA A TIEMPO.
PARA REQUERIR UNA COPIA DE SU CREDITO USTED PODRIA SOLICTARLA A EQUIFAX 800 685-1111 EN LA DIRECCON ELECTRONICA WWW.equifax.com .
TAMBIEN EXISTEN OTRAS COMO EXPERIDIAN (www.experidian.com) Y TRANSUNION 800 888-4213
WWW.transunion.com.
CUALES FACTORES CONSIDERA FICO PARA DETERMINAR SU PUNTUACION?
EL PRIMER FACTOR ES EL HISTORIAL DE PAGOS. AUNQUE NO SOLAMENTE EL HISTORAL DE PUNTUALIDAD DE PAGOS ES EL QUE DETERMINA SU PUNTUACION, SI SE TOMA EN CONSIDERACION VARIOS FACTORES COMO POR EJEMPLO, SI SE HA REGISTRADO UNA BANCARROTA, SI SE HA SIDO DELICUENTES EN LOS PAGOS, SI SE HA TENIDO ALGUNA DEMANDA DE COBRO, JUICIO DE EMBARGO ENTRE OTROS. ES IMPORTANTE SENALAR QUE EL 35% DE SU PUNTACION DE CREDITO ES BASADO EN ESTE RENGLON.
EL SEGUNDO FACTOR ES CUANTO DINERO TENEMOS EN NUESTRAS CUENTAS BANCARIAS O EN OTROS ACTIVOS. EL BANCO CONSIDERA MENOR EL RIESGO CUANDO SE PRESENTA UN BUEN BALANCE DE DINERO DISPONIBLE EN NUESTRAS CUENTAS BANCARIAS O BUENOS ACTIVOS. APROXIMADAMENTE EL 30% DE SU PUNTUACION ES BASADA EN ESTA INFORMACION.
TERCER FACTOR ES DESDE CUANDO TENEMOS HISTORIAL DE CREDITO. CUANTO MAS VIEJA ES NUESTRA PRIMERA EXPERIENCIA DE CREDITO MEJOR LA PUNTUACION. HASTA UN 15% DE ESTE REGLON SE CONSIDERA EN LA PUNTUACION FINAL.
CUARTO ES EL NUEVO CREDITO, POR EJEMPLO CUANTAS LINEAS DE CREDITO EN TARJETAS HEMOS ABIERTO RECIENTEMENTE?. POR CIERTO NO ES RECOMENDABLE TENER MUCHAS TARJETAS DE CREDITO CON CUENTAS ABIERTAS SIN UTILIZAR POR QUE EL PRESTAMISTA CONSIDERA QUE USTED PODRIA EN CUALQUIER MOMENTO UTILIZAR ESTAS LINIAS DE CREDITO Y PONER EN RIESGO SU PRESTAMO. EL 10% DE ESTE REGON SE CONSIDERA PARA SU PUNTUACION.
QUINTO: QUE TIPOS DE CREDITOS ESTAN EN USO ACTUALMENTE POR USTED? SE CONSIDERA SIN SON PRESTAMOS PERSONALES, DE AUTOS, DE HIPOTECAS, ECT. SE DETERMINA CUAN SALUDABLE ES PARA SUS FINANZAS ESTA MEZCLA DE CREDITOS EN USO. HASTA OTRO 10% DE ESTE RENGLON ES UTILIZADO PARA DETERMINAR LA PUNTUACION DE SU CREDITO.
SOLICITAR ESPORADICAMENTE INFORMACION DE SU REPORTE DE CREDITO NO NECESARIAMENTE AFECTA LA PUNTUACION DE SU CREDITO PERO SI SE DETERMINA UNA CANTIDAD SUSTANCIAL DE REQUERIMIENTOS DE REPORTES DE CREDITOS DENTRO DE UN PERIODO CORTO DE TIEMPO, EL BANCO PUEDE CONSIDERAR ALTO RIESGO DE DELARACION DE QUIEBRA Y BAJARIA DRAMATICAMENTE LA PUNTUACION.
SIN EMBARGO COMO SENALAMOS ANTERIORMENTE SE RECOMIENDA SOLICITAR UN REPORTE DE CREDITO PARA SU EXAMEN. ES IMPORTANTE QUE EL MISMO NO SEA SOLICITADO EN UN PERIODO MUY CERCA DE HABER COMPRADO UNA CASA , AUTO O PRESTAMO POR QUE EL REPORTE PODRIA NO REFLEJAR ESTA TRANSACCION TODAVIA.
PARA VER SU PUNTUACION DE CREDITO (FIC0)USTED PUEDE VISITAR www.myfico.com
EN MARRERO REAL ESTATE BROKERAGE LLC ESTAMOS PARA SERVIRLE SIEMPRE
GRACIAS POR VISITAR NUESTRO BLOGS www.joseraulmarrero.com
JOSE RAUL MARRERO
407-436-5140
787-486-7906
TODOS SOMOS GUERREROS DE LUZ!
