Preparing to buy a home is a process that it often makes sense to start years before you’re actually ready to buy. Of course, most people won’t plan that far ahead, and no matter when you're looking to purchase a home, there are many things you can do to make the process go as smoothly as possible. Choosing a home is an emotional decision as well as a logical one, but there are a few red flags that you should not ignore even if you love everything else about the property.
1. ​A​ ​dilapidated​ ​neighborhood:- While the homes in a less affluent neighborhood tend to sell for less than comparable properties in a better area, buying one of these homes is not always the best long term financial decision. Keep in mind that when you purchase a home, you are not just buying the house. You are also buying your way into the neighborhood. You are buying the community amenities, the neighbors, and even the neighbors’ homes.
It is often better to own the smallest home in a nice neighborhood than the nicest home in an up and coming neighborhood. It is difficult to predict how a specific housing market will change in years to come, but you can hedge your bets by choosing not to purchase a nice house in an otherwise poorly maintained neighborhood.

2. ​Foundation​ ​or​ ​structural​ ​damage:- If your home inspection uncovers cracks in the foundation or other structural issues, you might want to rethink your home choice. Be wary of any cracks around doors or windows or in the walls or floor of an unfinished basement. Warped walls or those with noticeable bulges can often require expensive repairs. Hire a professional to check out even small cracks. They could turn out to be nothing, but they could also be the precursor to a major problem.
Many homeowners are not diligent about checking their home for foundation or structural issues. Because of this, these issues can be overlooked for years, allowing them to slowly worsen over time until they become a major red flag for prospective buyers.
NB: Don't be dazzled by unnecessary features
3. A​ ​pest​ ​infestation:- When you visit prospective homes, check the corners, window sills, and cabinets for dead bugs or other signs of pests. Purchasing a home with a pre existing bug problem can result in major headaches down the road. If the furniture is still in the home, check carefully for bed bugs. This is an easily overlooked issue that prove to be a nasty surprise when you move your furniture into your new home.

4. ​Mold​ ​damage:- Particularly in areas with a wet climate, mold and mildew can be a major problem. It is possible to have colonies of mold growing inside your walls or crawlspace for years before you realize that you have an issue. By the time it reaches this point, you will have an expensive and time consuming problem on your hands. Be wary if your home inspection turns up mold or mildew.
An experienced real estate agent can help you avoid most of these pitfalls, so it is important that you work with a team of agents that you can trust. If you are looking for a home in Abuja, Lagos Nigeria contact our team at Fow world properties and learn how we can help you find a property that will be a good long term decision.

Now a days home buyers often find house online which is fast and easy, that is why i want to advice the home buyers to search in a verified real estate website. And also find a good real estate agent who is more of an adviser than a salesperson. In an effort to help online homebuyers avoid the disappointment and emotional let down of loving home before they inspect it. I wrote this check list to point out some of the main difference between looking at home online and in- person.


ONLINE IN PERSON

1. It huge! Is it a room or closet?

Photographers can use a wide angle Buyers are often surprised how much
lens to make everything look as smaller the home appears in person
large as possible

2. It looks like a new home! What is that smell?

HDR image processing can make Strong pet odors, mold, and sewer/septic are
a home appear brand new surprises that you can’t experience online

3. It looks so peaceful! Did I just hear gun shot?

Home staging creates a peaceful It is smart to hang out in the neighborhood
environment but those items can distract for a few hours to know the real area
you from other details experience

4. I have a good feeling! Is that a goat farm in neighbors yard?

Online listing will rarely show flaws in Yes, it has happened. Enough said.
a property. It all positive information

REAL ESTATE SHOPPING TIPS

1. Don't get too attached, wait until you visit the property

2. Find a good realtor, find one who will point out the pros and cons on each home you look at.

3. Try to be patient, impulse decisions in real estate can cost major money and have altering effects. Get ready to invest time and energy to get the perfect place. It well be well worth it in the long run

This is to assist home seekers to avoid the emotional disappointment and frustration of looking for a new home.
If you are looking for an Agent you can trust your buying or renting process on. I would suggest a reliable real estate agents like fow world properties. "Agent you can trust"

PROPERTIES

1. 5 bedroom twin duplex with 2 room BQ on each side
Location: Ikeja, Lagos
Price: N350m

2. 5 bedroom twin duplex with 1 service room developed to lintel level (carcass)
Location: Ajah, Lagos
Price: N40m

3. 4 units of 3 bedroom flat & 4 unit of 1 bedroom flat in one structure
Location: Jahi, Abuja
Price: N200m

4. 4 bedroom terrace with one service room (5 units)
Location: Guzape, Abuja
Price: N80m/unit

5. Shopping plaza containing 90 lock- up shop each with toilets
Location: Wuse II, Abuja
Price: N1.2b

For more information please contact us now: mr haruna 08178292250

Website: www.fowworldproperties.com

Blog: www.fowworldproperties..com

Email: fowproperties@gmail.com

Shopping plaza containing 90 lock- up shop each with toilets

Location:Wuse II, Abuja

for more information please contact us now: mr haruna 08178292250

Website: www.fowworldproperties.com

Blog: www.fowworldproperties..com

Email: fowproperties@gmail.com

FOW WORLD PROPERTIES AND REAL ESTATE DEVELOPMENT COMPANY

Fow world properties and real estate development company is a reputable company offering services on Property Management, Real Estate Development, Sales and Services, Estate Valuers and Brokers, Advisory and Consulting, Property Search and Marketing. Fow world properties are truly committed to helping each individual customer. We focus on fast response,sincerity, integrity and over-delivering on customer service. By putting the customer’s needs first, whether selling or buying a home, we can help you realize your real estate goals. We offer good and flexible payment plans on all our product and service.

For more info please visit:
www.fowworldproperties.com

You have probably been dreaming about buying your first home for years and now that the time is here, you might have questions about how much house you can actually afford. Speaking to a lender is the most straightforward way to determine the upper limit of your budget, but getting the highest mortgage possible can easily result in one becoming “house poor.” Instead, you should consider all the other factors affecting your monthly budget before deciding on the budget for your new home.

1.​Speak​ ​to​ ​a​ ​lender.

While having an idea of your budget ahead of time is definitely a good idea, the best way to find out how much house you can afford is to get pre-approved for a home loan. Your lender will take a close look at your finances, including your debt to income ratio and any outstanding loans, and determine the maximum amount that the bank will allow you to spend on a home.

To learn more about the homes that are available in your price range in any area of your choice in Abuja, you can contact us on phone no: +234-9080088327 or email us fowproperties@gmail.com

Real-estate market is competitive. With the recent downfall in the economy, an increase in the number of houses and properties up for sale was witnessed by the country. But the economy is starting to recover. According to the 2014 Mortgage Choice First Homebuyers survey, the number of people who are in the position to purchase new homes has increased in 19%.

If you have decided to put your house on sale, then it could be a sad and painful experience seeing it remain unsold for a while. Real estate agents and experts recommend few things that will surely help in making your house and property noticed.

Hiring a good agent.

A good real-estate agent, would help in selling your house fast. Of course, it would mean that you would be giving commission to the agent when the sale is concluded. But real-estate agents would have enough contacts and tools that could be used creatively to clinch to deal. When choosing an agent, make sure to check their references, background, and experience. An agent should have knowledge about your neighborhood and its market history.

Name a good price.

Everybody seems to value their own property above the market value. If you want a quick sale, you should be realistic. Look at other properties in the area and get the opinion of a reputable real estate professional. Be prepared to lower your expectations if you genuinely want a quick sale. A house which is too expensive may push away prospective clients while a very low price may raise some questions on the credibility of the property. You could ask your agent to do a comparable market analyses (CMA) to get an idea on how much were the houses in your area sold for.

Declutter

People would want to visit and live in a nice home, not a messy one. Remove clutter and tidy up. Put away things that are not frequently used. If potential buyers are coming over to check the house, it is to put away photos from walls and shelves.Clutter discourages potential buyers by making rooms seem smaller and a lot less appealing. Again, it's hard for buyers to imagine their own possessions in your property when faced with a mountain of mess. many potential buyers will not even walk through the door, if front of your property is critical. Front gardens should be well maintained all doors and window frames newly painted if necessary. Make your house look more spacious by getting rid of unnecessary furniture, clearing out cabinets, and removing items on top of tables and shelves.

Home staging

Home staging is another aspect on real-estate marketing. Staging the right way can have a dramatic effect on how quickly you sell your home. Put on neutral music like classical or jazz low in the background.Bake cookies or burn scented-candles so the smell emanates into the most trafficked room. Pay special attention to the kitchen and bathrooms — "added value" here can have a more pronounced effect on the price people are willing to pay.. A home seller could get a home stager, the real-estate agent may offer similar services or the sellers could learn how to stage their space for buyers. Home staging is about redesigning or arranging furniture around the home to make it more neutral, homey and comfortable for the clients. Home staging would be able to help the clients picture themselves in the house and eventually purchase it.

Fix things

You could fix minor problems in the house like broken faucets or window treatments. Take note of these problems when you check your house. It would indeed take time and effort, but would be worth it. Simple home improvement repairs could just be small things but buyers would be able to notice them.

Leave the house

When prospective clients will visit your house, it is better not to be there. Of course, you would like to make people see how great the house is, but it would be uncomfortable for both buyer and seller. Buyers would not be able to talk to the agents about their real opinion of the real estate and property. Aside from that, buyers would be able to ask questions freely, if the owner is not present.

Plenty of people seems to think that buying is better than renting because the monthly bill you pay, adds to your assets and not into your landlord’s pocket.
It is easy to succumb to the pressure from your parents, suggesting that home ownership is a great investment. But you have to be wise before you jump into it. Signing a purchase agreement, isn’t always the best idea. Sometimes, renting is a wiser choice.
To help, here are the factors to consider when looking for a place to live:

Price-to-Rent Ratio

It is so easy to compare a rent against your mortgage but there are other bills you need to pay when you buy a house. One useful tool to check whether it makes sense to buy or rent is through the price-to-rent ratio.
To calculate, pick two similar properties, one is for rent and the other for sale. Divide the price by the yearly rent and you have the ratio. David Leonhard t of Business Time say that a P/R ratio above 20 means, buying the property is much expensive than renting. In other words, sticking with a rental property in your area is smarter.

Proximity to Work

A lovely neighborhood far from the business district is a satisfying place to live. But after driving from home to work everyday, you’ll realize that waking up early, traffic and long travel time are some of the reasons you should have stuck with an apartment near the office. Also consider the proximity to major establishments, like hospitals and retail stores.

Stability of Work

Buying a house without a stable job makes no sense. Make sure you have enough income to pay for the mortgage. Plus, there are interests, repairs, closing costs and other extra fees that might overwhelm you in a long run. If you are unsure of your employment, it is better to rent and save money for emergency funds and future living expenses.
Lifestyle and Expenses
It is easy to say you will change your lifestyle to afford a house, but habits are hard to break. You will only increase the risk of foreclosure if you keep on living beyond your means. If you badly want to own a house, be dedicated in paying for it. This means, you need a secure source of income, and a minimalist lifestyle. If not, a rental property is your best option.

Plans About Life and Career

Are you planning to marry and settle down in three to five years from now? Are you thinking of leaving your work behind and travel the world? The future is vague that is why it makes buying or renting a house a more difficult question to answer. But you need a long-term perspective to see the bigger picture.
Look at what you want to achieve five to ten years from now, with your plans you can decide. Evelyn Zohlen, a certified financial planner and president of Inspired Financial in California, suggests that if you plan to stay in a house for at least five years, you are likely to regain the money you paid for the property and may generate a return on investment and equity after selling it- something you cannot do with rental properties.

Remember renting is best for short-term plans while buying is long-term. Analyze the market, your income, and lifestyle, and if you think you can afford a house, take it. If not, you can always enjoy the freedom you get from renting and save money for other investments.

What are your thoughts about buying or renting a house?

Fow world properties and real estate development company is a reputable company offering services on Property Management, Real Estate Development, Sales and Services, Estate Valuers and Brokers, Advisory and Consulting, Property Search and Marketing.
Since our inception, Fow world properties follow all executive practices to give you the best revenue from your properties. As we specialize in commercial and residential properties, you can always seek our professional assistance to get better income. We are committed in providing unsurpassed customer service, quality workmanship and your complete satisfaction. We have been helping homeowners and buyer along with improving communities in each and every city we work in, through our extensive knowledge of the business, network of resources, and years of expertise, we are able to assist home owners and buyers with a wide variety of real estate problems. Our clientele includes private individuals, corporate bodies, co-operative societies, institution and companies. We pride ourselves on our reputation for working one-on-one with each customer to handle their individual real estate situations, with the ability to directly, purchase homes and make cash offers; we can create an extremely fast and hassle-free transaction. In addition, we re-develop a large number of single family and multi-family properties throughout the state with the intention of revitalizing communities and encouraging home ownership.

Fow world Properties provides full service development repairs for Homeowners, Single family homes, Apartment and Office complexes, and Commercial clients. From complete exterior repairs to maintenance work-orders, Fow world Properties has the manpower and expertise to successfully complete your next project.


Our mission is to rejuvenate neighborhoods and increase the standard of living by improving the overall quality of housing for the residents.
Assuming responsibility for development means, methods, sequencing and procedures
Providing cost, quality, inventory control transparency, monitoring and reporting
Holding on-going project meetings with client and trades to monitor job progress
Scheduling, delivery, receipt and proper storage of all long lead systems and materials.
Coordination with municipal authorities, governmental agencies, and utility companies

Fow world properties are truly committed to helping each individual customer. We focus on fast response,sincerity, integrity and over-delivering on customer service. By putting the customer’s needs first, whether selling or buying a home, we can help you realize your real estate goals. We offer good and flexible payment plans on all our product and service.

We are passionate about philanthropy and we have had the honor of working with amazing organizations. Learn more about our efforts and find out how you can get involved by visiting or Call us today and let’s see how we can work together!

Cyprus has something to offer every month of the year, it is recently been known as a very appealing destination .

Enjoy golden beautiful beaches in cyprus with crystal clear waters ,pine scented forests, superb climate, safe and stable settings and ideal for luxurious life style.

Cyprus citizenship can be passed to generation by descent.

Citizens have to right to live and work anywhere within 28 countries of the EU.

Visa free travel to 159 countries around the world.

Dual citizenship is permitted, there is no need to denounce other citizenship .

Cyprus citizens are given the right to attend schools and universities within any EU country at special tuition rates for EU nations.

They also have access to well established EU healthcare systems.

Cyprus is an island country with rich history and culture. The country is full of interesting and exciting opportunities related to events, customs, places, and activities. With these interesting and amazing facts about Cyprus, let’s try to learn more about it!

1. Cyprus, officially the Republic of Cyprus, is an island country in the Eastern Mediterranean Sea

2. Cyprus is the third largest and third most populous island in the Mediterranean.

3. Some of the world’s oldest water wells can be found in Cyprus.

4. The largest bank in Cyprus is owned by the Cypriot Orthodox Church. The church also plays a significant role in the social and political life of the island’s people.

5. Alexander the Great seized the island from the Assyrians, Egyptians, and Persians in 333 BC

6. Cyprus became independent from the British in 1960, on August 16th. However, they celebrate their independence day on the 1st of October every year.

7. Legend has it that the Greek goddess of love–Aphrodite–was born in Cyprus. The country is also known as the playground of the Gods.

8. The island nation had seen its golden era during the Copper and Bronze Ages. At that time, the country was among the wealthiest of nations.
Sunset at Petra tou Romiou, Cyprus
A beautiful sunset at Petra tou Romiou, Cyprus. Image credit – Evgeniy Isaev

9. The island country is divided into two parts. The North and the South. The northern part is called the “Turkish Republic of Northern Cyprus” while the southern part is called the “Independent Republic of Cyprus” or the “Greek Cyprus.”

10. Cyprus is a major tourist destination in the Mediterranean.

11. Would you believe that a whole town in Cyprus is a UNESCO World Heritage Site? The name of this town is Paphos. There are a total of three UNESCO World Heritage Sites in the country, including the town of Paphos.

12. The world’s oldest wine label belongs to Cyprus. Yes, you heard it right! “Commandaria” is recognized as the world’s oldest named wine dating back 5000 years.

13. Cyprus is the only foreign venue at which an English Royal Wedding has been hosted. The wedding happened between King Richard and Queen Joanna on May 12, 1191.

14. There is a tree in Cyprus known to fulfill wishes. This tree at the entrance to the Christian catacombs in Paphos is adorned with handkerchiefs and ribbons. People believe that infertile women will bear children and people will return to their loved ones when something that belonged to them is tied to the tree along with a belief that good will happen.

15. The capital city of Cyprus—Nicosia—is divided by “The Green Line.” This line is also known as the UN buffer zone. It is the only capital in the world that is divided between two nations.
The Green Line in Nicosia
Notice the gray dotted lines that cut through the capital city. The region between these lines is the Green Line. It is 180 km long and it spans an area of 346 square kilometers (134 sq. Mi), varying in width from less than 20 meters to more than 7 kilometers.



16. Depending on which part of the country a person lives, the residents are either known as “Greek Cypriots” or “Turkish Cypriots”.

17. With a very low crime rate, Cyprus is also among the safest places in the world.

18. Cyprus is also the first country to be governed by a Christian.

19. People of the island speak a mix of Greek, Turkish and English.

20. Cyprus is a multi-lingual, multi-cultural and multi-religious country.

21. The first Olympic medal won by Cyprus was at the London 2012 Olympics.

22. On an average, Cyprus receives 40 days of rainfall each year.

23. There is only one horserace track in the country, and it can be found in its capital city – Nicosia

24. Cyprus is known for its sunshine! It receives sunshine for more than 300 days during a year, which is nearly double the amount received in Britain

Canada is the northernmost country of the Americas, and shares North America and the English (and French) language with the USA. It is made up of ten provinces and three territories, and it extends from the Atlantic Ocean to the Pacific Ocean, as well as northward to the Arctic Ocean. In terms of area it is the second largest country in the world, with a total landmass of 9.98 million km2, behind only Russia. Canada is the northernmost country of the Americas, and shares North America and the English (and Canada borders just one country – the United States, and not surprisingly, these nations share the world’s longest bi-national land border, officially known as the International Boundary, which totals some 8,891 km.


While the majority of Canada has a cold climate (rising to severely cold during the winter, with temperatures in Edmonton and Calgary for example regularly dropping to -40) the south of the country enjoys relatively warm summers. Considering its vast size, Canada is relatively under populated (35 million) and the majority of its citizens live in its large cities and towns, many of which border the US. Indeed, a third of Canada’s population is located in its three largest cities/metropolitan areas, Toronto, Montreal and Vancouver. Other highly-populated urban areas include Calgary, Edmonton, Quebec City, Winnipeg, Hamilton and the nation’s capital, Ottawa.

Geographically Canada is dominated by forests and mountainous regions, famously the legendary Rocky Mountains . It is a nation of breathtaking beauty, and home to an abundance of wildlife including bear, bison, beaver, lynx, wolf, cougar and whale. Canada is keen to protect its wildlife, and has many National Parks and National Wildlife Areas.


Canadian Economy
Canada has the tenth largest economy in the world and is one of the world’s wealthiest nations. It is a member of both the Organization for Economic Co-operation and Development (OECD) and the highly exclusive Group of Seven (G7). An indication of Canada’s international standing is that the other G7 nations are France, Germany, Italy, Japan, the United Kingdom and the United States, and between them they represent 65% of the world’s wealth, estimated at some $263 trillion.

Like most highly developed nations, Canada’s economy is dominated by its service industry which employs around 70% of the country’s 19 million-strong work force. Canada’s other major industries include oil, logging/forestry (largest in the world), fishing and seafood (8th largest in the world), manufacturing, agriculture, tourism, automobile/aircraft manufacture and increasingly, software.

Canada’s Immigrant Investor Visa program has also proved to be a lucrative addition to the nation’s economy, largely due to the influx of wealthy Chinese investors that have made Canada their preferred nation for second citizenship. Specifically, the southern city of Vancouver is the no.1 target for Chinese investors entering Canada. In little more than a decade, more than 100,000 Chinese have purchased expensive, prime real estate in Vancouver, with tens of thousands more on the waiting list.

FOW WORLD PROPERTIES is here to help you own a house in canada and acquire citizenship.

[b]1. Freedom of movement
2. Investment
3. Safety for your family
4. Lifetime security
5. Health care
6. Grow your business.



I bet you didn't know the mouth watering benefits that came with the Citizenship by investment program, so here is a break down of the major benefits.

A Fow World Properties investment program , Citizenship by Investment program is designed to enable individuals interested in acquiring EU, South Africa, Dubai UAE, Canada, London, Malta, Bulgaria, Cyprus, and Ireland Citizenship.



In addition to flexibility of movement in the international community, the safety of yourself and your family is ensured in case of emergency or danger in your home country. The program also affords you an investment advantage based on your citizenship to the host country as you are no longer on the same pedestal of a foreign investor but an indigenous investor.


Investment:citizenship by investment gives you more opportunity for numerous financial options such as opening of bank account in any country of your choice and taking your business to different places.

with citizenship by investment you can decide to invest, buy, sell and relocate your assest without limitations.



Safety for your family:citizenship by investment gives you a favourable circumstance to protect your family from a country that has economical and political instabilities.it gives you the mobility insurance and the right to live and work some where else , enjoy the privellege of a better life style, prefered education fees and the wealth of cultural exposure.

An investment today is an investment tomorrow.


Lifetime care: this program will benefit your children and grand children. it is a generation benefiction, this is your chance to secure your children's future where they can live, study and work. give your children the advancement to adapt to new cultures and feel a sense of belonging that will last a lifetime.

they can access all social services in the country of citizenship.


Health care:invest in any EU country and obtain citizenship that provides you and your family with high standards of health care and medical attention.

citizenship by investment allows you and your family to access world class health care.


Grow your business: citizenship by investment can become your gate way to a wider business world especially for enterpreneurs, it enables stronger face to face business relationship.

Government of the host countries encourages investors with tax free benefits and friendly business regulations.


Citizenship by investment is at your door step as your fastb way out.

Get the best team of proffesionals to help you today


Fellow us on twitter @CBI and like our Facebook page @ citizenship by investment program.

Citizenship By Investment

Citizenship by Investment program is a Fow World
Properties investment program designed to enable individuals interested in acquiring EU, South Africa, Dubai UAE, Canada, London, Malta, Bulgaria, Cyprus, and Ireland Citizenship.

The program is especially a first choice opportunity for high net worth individuals and corporate firms.

The package guarantees international residency permit and citizenship through investment in the above listed countries.

One of the most attractive perks of this scheme is that individuals can register their businesses, make money on ROI (Return on Investment), upgrade their portfolio and lease a building while acquiring properties.

Also the citizenship goes for the property buyer as well as their families and the process is quite flexible and simple starting from instant payment up to a year and six months.

Follow us on Twitter @citizenshipbyinvestmentprogram@gmail.com and like our Facebook page for updates and promotions.

You can't afford to miss this superb opportunity.