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hot buys florauna R 1, 625, 000 southport R 775, 000 middelburg, gholfsig R 2, 200, 000 parklands R 750, 000 thatchfield gardens R 680, 000 what is a hot buy http://www.ipiglobal.co.za/ http://www.moreland.co.za http://www.absa.co.za/absacoza/content.jsp VGN_C_ID= VGN_CI_ID= http://www. .co.za http://www.1lifedirect.co.za/equote.asp VDN=1484 business brokerage

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Private Property Magazine If you are searching for a home remember to buy the latest copy of the Private Property Magazine showcasing over 1000 properties for sale around South Africa. Now available in CNA stores ...more For Sale: UFO House Ahead of its time, this unusual home with its unique and futuristic architectural design is situated in Kloofendal, Roodepoort perched atop the Witwatersrand mountain range ...more agency brokerage spark

Amanzi Mews, Amanzimtoti Launching this weekend. 2 bed units from R658 000 and 3 bed units from R698 000. Amanzi Mews boasts excellent security and landscaped gardens ...more Stables at Candlewoods On Show this Sunday (1PM to 5PM) - Luxury Sectional Title units from only R1 250 000. Stables at Candlewoods is in a unique Estate, built on a heritage site between Midrand and Centurion ...more business broker

Fern Court, Randburg Quality units in Ferndale from only R1 500 000. This unique development offers discerning buyers a choice of unit design and finishes ...more Careers @ Private Property You think we have the best property site - now you have the opportunity of joining our winning team ...more Second Cross Banner Starts FATHER S DAY COMPETITION brokerage account

WIN A SAMSUNG 105CM PLASMA TV Brokers Brokerage Broker to Enter! Second Cross Banner End Internal Blocks End hot buys sunninghill R 870, 000 noordheuwel R 930, 000 beyerspark R 1, 350, 000 clydesdale R 700, 000 plantations R 855, 000 what is a hot buy http://www.dialdirect.co.za/equote.asp vdn=5987 Buy Property | Sell Property | Rent Property | About Us | Contact Us stock broker

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Content Area Pick of the week How to get featured here Leisure Bay R4 500 000 Beautiful house in tranquil setting with magnificent garden and ponds more... Sandringham R850 000 Lovely home with restored parquay flooring plus cottage Chartwell R3 700 000 Charming home with plus 3 cottage on 7 Acre property more... brokerage online stock trading

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news archives Global Markets: Around the World in 80 Seconds more Home Loan Talk Land Use Control Property Tips - National Show Day For Sale: AJ Venter s Farm in Bethulie Property Market Housing Market Indicators New National Credit Corporate Social Investment and Housing Microfinance Build versus Buy Checklist The Seven Year Itch http://www.1lifedirect.co.za/equote.asp VDN=1484 Buy Property

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Build versus Buy Checklist 06 Feb 2007 / by Jacques du Toit Jacques du Toit of the Absa Group, looks at what factors you should consider when deciding whether to build a new house or buy an existing home. This is the last of a series of three articles on building versus buying a house. Previously we looked at the historical trends in new and existing housing in South Africa, and at an overview of the advantages and disadvantages of building as opposed to buying a home. brokerage services

Here the focus will be on what important points you need to keep in mind when either choosing to build or to buy. These factors, positive and negative, legal and financial, should be thoroughly investigated and considered before you decide on what path to take, as it is can be a costly and lengthy process with possible unforeseen implications. broker live ticket

The financial aspects of acquiring property will impact an individual or household for many years into the future. Therefore, it is important that you should consider the possibility of an increase in interest rates and take this into account if a property will be mortgaged. online brokerage firm

A tax clearance certificate from the South African Revenue Service (SARS), stating that the tax affairs of the prospective owner of a property are in order with SARS, is one of many documents needed before the property can be registered at the Deeds Office. security broker dealer

The following aspects also need to be carefully considered and checked: Building a new house coldwell banker residential

• Make use of a reputable building contractor or developer by obtaining reliable references and checking up on previous projects (quality of workmanship, delivery times, etc.). A contractor should ideally be registered with the National Home Builders Council (NHBRC) and be a member of the Master Builders Association. freight broker

• Get a detailed and signed quotation from the building contractor or developer. freight brokerage

• Obtain a signed contract between the new owner and the building contractor or developer. broker lie ticket

• Ensure the material is specified in the quotation and contract. 4th boost brokerage by

• Obtain certainty that the land is zoned for residential development. florida mortgage broker

• Apprise yourself of any servitudes and restrictions that may be stipulated in the title deed. insurance brokerage

• Confirm the physical location, address and stand number as stipulated in the title deed. online broker

• Check the size of the stand as stipulated in the title deed. brokerage company

• Determine the exact borders of the stand, making sure perimeter walls of the properties bordering the stand are in the correct position. broker lonely ticket

• Check availability of municipal services (water, sewage, electricity and refuse removal). commodity brokerage

• Obtain a full set of building plans, officially approved by the local government. new york ticket broker

• Ensure you have knowledge of all building restrictions and regulations as stipulated by the local government. prime brokerage

• Examine the slope and ground formation of the stand, which may require levelling and excavation operations, special draining systems, retaining walls, concrete reinforcement, special construction methods and the involvement of an engineer. These could have significant cost implications. real estate agent broker

• Check the views onto and from the site. yacht brokerage

Buying an existing house trucking broker

• Check the physical state of the property and get expert opinion if there are any uncertainties. national brokerage

• Determine stand size and building area of all structures. property broker

• Examine the possibility of extensions to the house and outbuildings, or the building of a pool, lapa or carport. Take into account existing structures plus the availability of space on the stand and be sure you will not be transgressing building restrictions or regulations. brokerage commercial ranking

• Apprise yourself of the possibility of adding value to and possible over-capitalisation of the property when doing renovations and extensions. mobile home broker

• Take into account the position of the house on the stand with regard to wind directions. brokerage business

• Note the direction and extent of the run-off rainwater in the event of heavy downpours. concert ticket broker

• Check the extent to which structures such as walls and foundations are or may be impacted by root systems of large shrubs or trees in the garden. stock brokerage firm

• Confirm that building restrictions and regulations have not been violated by obtaining a full set of approved building plans for all structures on the stand. customs broker

• Ensure that all municipal accounts for property tax, electricity, water, sewage and refuse removal have been fully paid by the owner. A clearance certificate, stating that all accounts have been fully settled and valid for a period of 120 days, must be issued by the municipality. full service brokerage

• Check the existence of any business rights on the property or other properties in the area and the possibility of such rights being granted in the future. boston ticket broker

• Take note of other properties in the area already being used for business purposes, which may impact traffic volumes, noise pollution and security. online brokerage account

• Find out if there are any future plans that local government may have to widen streets, open up cul-de-sacs or rezone vacant land in the vicinity for high-density residential developments or commercial use. This may affect traffic volumes, noise pollution and security. discount broker

• Determine the extent of traffic congestion and noise pollution in the area by visiting the property at different times during the week. customs brokerage

• Take note of trends in property values in the area. auto truck broker

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The Seven Year Itch 06 Feb 2007 / by Gina Schoeman The Seven Year Itch: What to do with your property-relationship in 2007. Married or not, you re likely to have heard the warnings of the seven year itch. In a marriage, it is thought that the seventh year anniversary brings with it a small helping of trepidation, a pinch of complacency and above all, a large dosage of consolidation. Similarly, the seventh year in this decade s property market hints to bring about a certain period of consolidation after some very comfortable years of becoming rather intimately acquainted with booming property prices. forex brokerage

The official meaning of the idiom, the seven year itch, is that of the inclination to become unfaithful after seven years of marriage. If one applies this to one s marriage to the property market, it may be suspected that some individuals may feel inclined to shift away from property and into other asset classes (such as, for example, the equities market). I am, however, about to take on the role similar to that of a marriage counsellor to explain the advantages of remaining in the property market over this period of consolidation, even though the itch may at times seem unbearable. future broker

The graph to the left depicts the cycle that South African house prices have followed from 2000 to 2006. It is clear that the trend has been exceedingly positive throughout these years, while the recent decline in house price growth continues to remain above growth levels at the start of the decade. It is expected that during 2007, although growth will not reach the historic highs of 30%, it will remain on a path of stabilised growth. The most recent data shows that house price growth has decelerated to single digits of 6.24% year-on-year in December 2006 from the double digits experienced in the first six months of 2006. This single digit growth is expected to remain throughout 2007 as the combined increase of 200 basis points in interest rates in 2006 begins to impact the demand for housing. A phase of great growth in a market often requires a period of consolidation whereby the consequential wealth creation is able to be absorbed completely. It is for this reason that 2007 is expected to bring about a solid perspective on the future of property prices in South Africa. online stock brokerage

A few factors have dampened house price growth, and for good reason

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• Interest rates were hiked four times during 2006, thus stabilising the demand for housing due to the debt repayment becoming more costly; discount online brokerage

• The natural incidence of first-time homebuyers migrating into the housing market has been stalled in some circumstances where the individuals find the housing market too expensive, thus remaining in the rental market in anticipation of their income levels rising; and finally, food broker

• The anticipation of the National Credit Act, to come into effect in June 2007, plans to bring together increased transparency to both the lender and the borrower, thus initiating a stricter form of credit control, while at the same time, more responsible participation in the credit market. mortgage brokerage

It is expected that following a period of consolidation in 2007, the following year will once again see property price growth move into double digits as demand and supply catch up with one another. For this reason, it is expected that this market will continue to be highly beneficial for investment purposes, attributable to the historical high returns conducive to owning, managing and understanding property. broker license

John Loos Conversely for the more risk-taking individuals, given a reasonably widespread feeling amongst economists that rate hikes are near to their peak, they may feel that they are losing out on an opportunity by fixing rates. It is a personal decision therefore, but when considering whether to fix or not, think about the following:

• What is your appetite for risk Does it cause you major stress If so, perhaps you lean naturally towards fixing.
• How "close to the edge" are you financially If your overall financial situation gives you very little leeway to absorb any nasty shocks, you may also lean towards fixing rates.
• Always remember that for one to "score" by fixing rates in terms of paying less interest, the average floating rate on a bond for the entire period of fixing must exceed the fixed rate for the period in question. Do your calculations correctly.
• Finally, don't abandon the search for attractive fixed interest rates when the repo rate finally looks like it has peaked and set to decline. Ironically, that would be the time when fixed rates start to become more attractive.

It was a typical Sunday afternoon at one of Johannesburg's most established country clubs - the tea was freshly brewed, a cricket team (aptly named the 'Goblins') were playing on the field in the distance, and the promise of summer emerged in the breeze. The table I was at got onto the very heated topic of South Africa's coal dependency, alternative energy sources and how to be 'green' in everyday life. Obviously unable to escape the discussion (and level of noise as the conversation grew), a man seated at the table alongside ours leant over and asked us what we thought the next alternative source of energy would be We threw out a few suggestions - solar, wind, ethanol - to which he replied (with an expression that hinted that he knew something we didn't), hydrogen. We then discussed the cumbersome process of solar and how dirty coal actually is as an energy source. All of this got me thinking where exactly does South Africa sit in the world rankings of being 'green' and what is our greatest 'sin' I've been keeping a close watch on our coal dependency for a while now and perhaps it's time to get those statistics out there. Hold on tight, this may surprise you! Getting hauled over the coals Coal is infamous for its reputation as probably the dirtiest energy source out there. And in South Africa, coal accounts for approximately 75% of primary energy consumption (at least this is what the latest data shows). The majority of this coal is used to generate electricity, while the remainder is used in synthetic fuel and petrochemical operations. As can be seen in the figure below, the high-usage of coal in South Africa means that our country produces almost all the carbon dioxide emissions on the African continent. The next two major contributors are Morocco and Zimbabwe, but in comparison, their levels of carbon emissions are minuscule. Figure 1: CO² emissions from coal consumption CO2 Emission from Coal Consumption To make matters worse, even when compared with the rest of the world, South Africa easily outpaces its fellow emerging markets, ranking alongside developed countries in regards to the amount of carbon dioxide emissions per capita; we rank 14th in the world for carbon dioxide emissions alone. This really should be of concern because of the consequence this creates with our main trading partners. Europe is fully-committed as a continent to 'greener' economies, and they have recently warned our markets that should we not clean up our act, they will refuse to trade with us. Europe is currently our largest trading partner and therefore, this could have a dire effect on export levels. Figure 2. Per Capita CO² Strong economic growth means that increased infrastructure expenditure will continue to increase the demand for electricity, thus placing more pressure on Eskom to meet market demand. As a result, more coal will be required in order to supply higher levels of electricity, even while substitute products for coal are being investigated. The bottom-line of our debate that Sunday afternoon was this: can the availability of alternative energy solutions eventually overtake the immense demand for energy sourced from coal And if load-shedding is to become a reality, what does this mean for individuals in the next three years We're not sure what the answer is, but we can assume that it is going to be a fairly tricky process. With compulsory load-shedding becoming a reality over the next three years, we as homeowners are going to have to find ways to diminish our energy consumption, while at the same time, finding alternative sources for energy (such as gas, solar and possibly, according to the new friend I made that afternoon, even hydrogen). The fundamentals of South Africa's energy challenge are fairly straightforward. To quote the Eskom website: "When load exceeds supply, the load has to be reduced to a point where the available capacity can handle it so the system controllers 'shed some load' - they switch off the supply to various customers for a short while." (http://loadshedding.eskom.co.za/) I was impressed to see that both Eskom and City Power tackle the topic of load-shedding and outages as soon as you enter their websites. After some looking around, I found my suburb quite easily and decided to see what I'm in for, for the long-haul. For my suburb, two scenarios currently exist:

1. Gina Schoeman If energy consumption in the Johannesburg region increases rather quickly (Brown Stage 1), I will be without electricity between 10:00am - 12:30pm during the day - this isn't too bad seeing as I'm at work 120% of the time during these hours.
2. However, should energy consumption increase quicker than a speeding bullet (Brown Stage 2), I'm going to find myself without electricity and hot water from 6:00am - 8:30am (clearly I prefer the former option).

You may have heard the long-held adage, "Save water, bath with a friend", but in true South African style, this all sounds more to me like "Save electricity, have a braai with a friend". Track your Transfer Competitions Careers @ PPL Social Investment News http://www.standardbank.co.za/SB_IMAGES/Homepages/HomeLoans/ .html Private Property Rentals 07 Aug 2007 / by Julia Hinton In July Private Property launched a paid rentals option for landlords wishing to list their properties for rent on South Africa's busiest property website. Rental listings on the website have grown so much in popularity that it was decided to offer a paid option (R150) allowing landlords to load up to 8 pictures of their property and write a detailed description. The listing also includes detailed specifications that help to ensure that you get the right people calling you. Another bonus is that your listing will automatically be map linked. Landlords can download a standard lease contract and other useful templates. Your listing stays on the website for one month or until you find a tenant, with the option of extending the listing time later on. Credit checking to verify prospective tenants is an essential step and this can easily be done online. Private Property in partnership with Tenant Profile Network (TPN) offers you one of the most comprehensive credit reports available. For only R105.70 the report includes a HAWK enquiry, ITC as well as an Experian report. If you go with the full house paid rental option, this report is included in the fee. There is still a free of charge rental listing option, which is simply a text listing. You can list rentals in the following categories: house share, holiday letting and residential rentals. Listing your rental property with Private Property, on a tried and tested marketing platform, is a hassle-free way of finding the right tenant. http://www.1lifedirect.co.za/equote.asp VDN=1484 Track your Transfer Competitions Careers @ PPL Social Investment News http://www.standardbank.co.za/SB_IMAGES/Homepages/HomeLoans/ .html Investment Property: Buy-to-Let 07 Aug 2007 / by Denise Simpson With the property boom of recent years, many astute investors are adding residential properties to their investment portfolios, and are enjoying a rental income as well as fantastic capital growth. Even in downward economic cycles and high interest rate times, property is still the best investment you can make. The Banks are more than happy to lend on properties that are specifically for buy-to-let, depending on the client's affordability and provided that the property is suitable security. One bank in particular, has a specific product for buy-to-let and the criteria are listed below:

• Minimum loan amount of R150 000.
• Maximum repayment to income ratio - 30% (excluding rental income). If a 10% deposit is paid, ratio to income can go up to 40% of the potential rental income.
• Term of up to 360 months (home loan must be paid up by age 65).
• Minimum gross income (single or joint) of R30 000 per month.
• Loan value up to 100%.
• Register higher amount for future use.
• Interest rate - fixed or variable.

• Self employed and temporarily employed
• Building loans
• Overtime earners

Other banks will lend up to 90% and use 80% of rental to be included in disposable income for qualification purposes. If you take cash investments against brick and mortar, a property portfolio will outstrip the latter by far. To ensure your property investment is tax efficient, it is advisable to take out a home loan as the expenditure can be used as a tax deduction, for example:

• Interest debited against the loan
• Home owners insurance
• Rates and taxes, or levy
• Maintenance and upkeep can also be used as an expense against income

Investors must bear in mind that when purchasing property for buy-to-let, most banks will not take future rental income into account to qualify for the loan; you must qualify in your own capacity. As with any investment, timing is the most important factor so even if your rental is not sufficient to service the bond repayment, the capital appreciation over time will beat the traditional cash investment by far. In a nutshell, when buying investment property, consider the following:

• Your property investment should be tax efficient
• Rental properties are increasingly in demand
• Ensure you register a bond up to 150% of the value of the property for access to future capital appreciation on the property, without incurring extra expenses.

Track your Transfer Competitions Careers @ PPL Social Investment News http://www.standardbank.co.za/SB_IMAGES/Homepages/HomeLoans/ .html National Credit Act 07 Aug 2007 / by John Loos monebaggasse