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The Altiplano de Granada is a beautiful and only recently discovered part of Andalucia. It is only a one and a quarter hour drive from the coast and within easy reach of several international airports.

The cave house is the traditional type of dwelling to be found in and around the Altiplano. There are literally thousands of these unusual properties excavated into hillsides in this area. Most people could never imagine wanting to buy and live in a cave, but here are 5 great reasons why you may wish to do so.

1. Cave houses in the Altiplano can be very cheap to buy and they usually represent good value for money. It is possible to find properties in every condition from run-down and neglected to partially and fully restored with all modern conveniences. At this time there are some excellent bargains to be found as there are many caves for sale.
2. Cave houses do not generally have much in the way of external roofs and walls, and can therefore be much cheaper to renovate than more conventional types of property. This work, which can be undertaken by professional builders, also offers plenty of scope for the do-it-yourself enthusiast. Cave dwellings were originally excavated into the compacted earth and clay of dry hillsides and therefore there should be not be any problems with damp. It is, however, always a good idea to check before buying.
3. Cave houses are cheap to live in and eco-friendly. They maintain a uniform temperature of between 18°C and 20°C throughout the year. There is no need for air-conditioning, even during the hottest of summer weather, and only a wood-burning stove or open fire is required in the sitting-room during the winter months. Municipal taxes are low as is the the cost of general maintenance.
4. Cave houses are all different, quirky and full of character and charm. They are generally hand hewn historic dwellings which have grown and developed over the years, having been modified to suit the needs of successive generations of previous owners.
5. Cave houses in the Altiplano de Granada are situated in an ancient and fascinating region full of historic sites, attractive villages, natural parks and mountains. This area is also often referred to as the “Spanish Lake District”. It is a great place to live or take a break. There is an expanding interest in rural tourism in the area giving cave owners the opportunity to rent out their properties to holiday-makers.

Real-estate agents tell me that, despite the current recession, interest in these unusual properties has not declined. The number of hits on their websites is practically undiminished. They feel that when the British pound grows stronger once more against the euro then cave houses will start selling fast – and prices will inevitably rise. There has never been a better time to buy.

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Grants for homes are available through state and local government agencies for a variety of purposes and uses:

* To Assist with Down Payments
* Home Repair and Improvements
* Get Out of Debt

Grants for homes can help investors buy new properties, first time home buyers get off on the right foot, and current home owners raise the property value of their existing home. It’s cash that’s been around and available for a long time, but until recently was not so easily accessible.

In order to even find out about the available funds, it would require a trip to state and local government agencies to speak to a grant specialist who could help you identify the available funding programs. Now, you can simply search through an online database and apply at the same time and receive the money you need in as little as a week.

What makes grants for homes so special is that this is money that never has to be paid back. Once you are awarded the cash grant, it’s yours to keep and spend according to the terms of the grant. Don’t get caught using the money in any other way, or the government will demand that you repay the funds. But apply for as many grants as you like and you can get the money you need for your personal use.

Access Government Grant Sources and get your first check in as little as 7 days. Thousands of dollars may be available to you now, but you have to ask for it.

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Look at your neighbor’s homes and see how they have kept their home’s up. If people in your neighborhood have added a bathroom, then you may need to add a bathroom to bring your home up to par. Although you don’t want to necessarily get into a competition with your neighbors, you do want to take steps to add value to your home. The amount of money that you spend on renovations does not mean you will add that same amount of money to the value of your home. In many cases, smaller projects can end up adding more value than larger ones. The best projects are ones that will add to your live while adding to your home’s value at the same time.

Putting in nice appliances is a great way to accomplish this. A kitchen is always a remodeling project that pays off. Old tiles, beat-up appliances and damaged counters are big turn-offs to buyers. Pick improvements that will make you enjoy the home more as well. Good choices include adding more counter space, a bigger breakfast nook or replacing an old window with a big bay window in the dining room. Another popular option is put gourmet style appliances into a home kitchen. If the kitchen seems like too involved of a project, then a bathroom is always a good choice as well. As a homeowner, you will love a walk-in closet or a brand-new looking bathroom. A great option in the bathroom is to upgrade the bathtub to a Jacuzzi tub. Many homeowners design their bathrooms to feel like they are in a resort. Buyers will also appreciate this feel. Do your own research before you make a purchase. Do not buy things on impulse, but instead shop around and find out your own information. Decorating books and magazines are a great resource for ideas. If you have friends or neighbors that are going through a renovation project, they can serve as a wealth of information. You will also have to make sure that you have all the permits you need for your project before you get started.

Some improvements that can add value do not cost very much at all. Painting the inside and outside of the home will make a big difference. Pick colors that will go with the design of your home. On the inside of the home, use neutral colors so that buyers can see themselves in your home. Don’t underestimate the value of a landscaped yard, either. As you pick what projects to take on to add value to your home, remember that the key is to pick things that you will enjoy as well!

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The market is currently moving forward well versus previous months as property investors and people trading up as well as confident First Time Buyers are starting to buy. Sellers have decided to either drop their price to secure a buyer, or they have taken their property off the market and less properties are being put up for sale.

The result being that up until summer months of July/August, activity will continue to improve in areas where supply versus demand is matching and where property types, such as some city centre flats are still oversupplied, prices will continue to fall. July and August will be quiet months and the media will be full of ‘doom and gloom’ again. There will be another flurry of activity from September through to the end of October and through November and December the markets will go quiet again.

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So, at least a good balanced approach. However, there are some issues with the information that they used and certainly some of the research. For example, one survey was from a company called Standard and Poors, which forgive me, isn’t that the same company that gave triple AAA fantastic investment ratings to those awful subprime mortgage loans? Do we really want our hard earned tax payer’s money going to this company? Not sure we do, or would we ever trust any data from this company every again thanks very much!

Here’s our thoughts on the data they did use:-

Land Registry

To measure the falls in the market, they relied on government data from the Land Registry. This is great data, and I love analysing it, but it’s out of date and if they continue to use it, their figures will continue to show a falling market for some months to come. The information is based on ’sold prices’ which will have come from some offers made prior to Xmas, so it’s accurate, but ‘old’ data in property terms.

Should we still be using Halifax Data?

Other statistics used included HMRC showing an increase in sales in January, good data, but from a very low base. The Nationwide data showed one blip of an increase in prices in March, hardly revealing on its own. The Halifax data didn’t seem to know whether it was going up or down and that’s no surprise, are they really doing much lending at the moment. Is their data robust? I don’t think so, we’ve seen some very strange results recently, so have taken it off our list of ’surveys to watch’.

The only real data that did help to show what’s happening ‘now’ was data from the National Association of Estate Agents which showed the number of sales per agent going up over the last few months and coupled with lots of other data, such as information from Hometrack.

Dead Cat Bounce Debate

Are we in a ‘dead cat bounce’ the question was asked! They put this to Professor Andrew Oswald, who believes that this dead cat bounce exists currently, so prices are showing a quick increase which will then be followed by further falls. However, this man was nicknamed ‘Mr Doom’ by many within in the industry some years ago with his constant market ‘doom and gloom’ such as:-

“I think we are about to go through the great housing crash of 2003 to 2005″. Worst still he said “I advise you to sell your house, and move into rented accommodation” and then he claimed “Panic will then set in.”

However, the last six months have proved people don’t panic. In fact they do the opposite. They batten down their hatches and if they don’t have to move they don’t put their property up for sale, if they do need to move, they rent it out, or drop the price. Perhaps our homeowners are much brighter than Professor Andrew Oswald and other doom and gloom economists appreciate!

Then, our new Property Hero was brought in, the most sensible man in the market. Meet Mr Andreas Panayioyou, who up until 2006, was one of the UK’s biggest residential landlords. He then sold up, knowing the market wasn’t returning to what it had in the past. His view? Well he’s back investing in residential property because he looks at it from a business perspective. Basically says Mr Panayioyou “yield should be higher than the cost of funds and interest in the banks” and now that’s back, so is the reason to invest.

Finally we were treated to a ’special survey’ carried out by that company we’re not too keen to support with tax payers money any more, Standard and Poors. Apparently, according to the ‘rocket science’ survey, the younger people want property prices to fall, and the older, home owning public want them to go up. Almost as daft a spend as some of those MP’s expenses!

People’s Property Stories

Most of the stories were the usual, people who have ‘dropped’ their property’s price by thousands of pounds or even a million. No one checked however whether the properties were ever worth their original asking prices or not and little was made of the fact that some of them had rejected offers from a year or so ago and are currently probably regretting it!

Research we have been involved with shows sellers who over price their properties typically sell for around £8,000 less than they could have done and take an additional six months or more to sell.

What the stories don’t really show, although it was mentioned, is the long term rise and fall of property prices on a regional basis. For example, Wales had one of the biggest property rises over the last 10 years, so its fall was also likely to be higher than other areas. Dublin especially has seen a 52% fall in property prices, but that’s no surprise, banks were giving away 100% mortgages like free pints of Guinness!

It was great to see the smart family who had realised that if they dropped the price of their own property to sell it, they could trade up and actually save money and buy a property that in the future they probably wouldn’t be able to afford. Smart move, but this is old news and has been happening since January this year. It’s actually this kind of purchase that has driven the property market forward over the last few months.

It was slightly sad to see the stately home “Winslow Hall” which hasn’t sold for the last two years. However it’s a confusing picture as they bought it (then we find out it was inherited?) in 1959. It was put on the market at £3 million and has now “dropped” to a mere £2 million. Offers of £1.5 and £1.7 million have been made, but rejected. Worst still the seller is restricting his market further as he wants to sell to the ‘right people’. Seems to us that the property was worth between £1.5 and £1.7 million last year when the offers seem to have been made, but it’s now worth less. So they either need to stay and sell later, rent it out (not sure about that one though!) or bite the bullet and sell at a price someone is willing and able to offer.

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Some experts in the property field have predicted that 2009 will follow a similar pattern and both home owners and buyers shouldn’t expect any significant movement yet.

Recently major UK lenders and estate agents were asked to predict both sales and valuations for 2009. The response was that there was little positive outlook, however most predicted some form of recovery.

As an average, property prices are expected to plunge a further 10-15 percent, however in contrast property sales are expected to increase. This is rather shocking news for most and flows in the face of recent media speculation.

Given the state of the economy not only in the United Kingdom but the World the knock on effect of those associated with the housing market are really feeling the push, particularly building and its associated labour force. This in turn has had a profound effect on the economy and the repercussions will be felt across the board for a long time.

First time buyers are also an area that everyone looks too as an indicator towards the state of the market. Most recently soaring prices had squeezed all but the brave and bold from the marketplace but now the tide is turning slowly and the number of people wanting to buy is rising and mortgage approvals are starting to move in a positive manner.

Generally a full recovery of the UK market is predicted for around 2010, but it remains to be seen if this prediction lives up to its expectation.

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Short Term Interest Rates Exceed Long Term:

Finally for the first time in decades, it is cheaper to lock into a long term mortgage rate. Imagine that – mortgage financing that helps the buyer!

According to the latest results of the Primary Mortgage Market Survey (PMMS) released by Freddie Mac, the 30-year fixed-rate has dropped down to an average of 4.80 percent. Same time last year, the rate was 6.03 percent.

A one-year Treasury-indexed adjustable-rate mortgage (ARMs) averaged at 4.82 percent. Same time last year, the same mortgage was 5.29 percent.

A five-year Treasury-indexed hybrid ARM averaged at 4.85 percent, down from 5.68 percent last year, and the lowest rated since January 2005.

House Prices Rise and Fall

For the months of January and February, house prices rose consecutively. The last time this happened was in April 2007. Then March came along and the median home price declined by 12% from the previous year.

Record Price Cuts:

The famous Bailey Mansion in New York (previously owned by circus owner James Bailey), has dropped in price from $10 million to $6.5 million in less than 6 months.

Washington’s most expensive home listing, Evermay, has dropped its asking price from $49 million to $39 million. This 3.58-acre, 12,000 square foot Georgian Revival estate has been on the market since September.

Probably the largest price reduction for a piece of U.S. real estate, the Greenwich, Conn. mansion formerly owned by the late Leona Helmsley can be had for only $75 million. This is a far cry from the original asking price of $125 million.

Foreclosures See Record Highs:

After seeing foreclosure rates dip in January, they shot up by 44 percent in March, increasing to record high 175,199. Apparently there is still a backlog of unprocessed claims that will be appearing in the next couple of months as lenders scramble to deal with the volume.

Freddie Mac Executive Found Dead:

David B. Kellermann, the acting CEO at Freddie Mac committed suicide, leaving behind his wife and daughter. Sadly, he was only one of the many victims resulting from this global financial crisis.

Jumbo Loans More Plentiful

It appeared jumbo loans had fallen by the wayside, but now lenders are looking at these loans as a new opportunity to make money, and they are definitely making a comeback. Among the many banks offering them, ING has a 30-year fixed rate loan running in the upper 5% range.

The Mortgage Reform Bill

This much awaited bill was introduced in early April in an effort to change the way lenders do business and encourage no frill mortgages with lengthy terms. It’s a shame this bill wasn’t introduced 7 years ago, much of the housing crisis may have been averted.

Incidences of Real Estate Fraud Spikes

Our vulnerable market has created a perfect climate for real estate fraud and other types of scams. Following right on the heels of Bernie Madoff, who was convicted of committing the largest investor fraud by a single person, spring has sprung with a new collection of real estate related “tom foolery”.

In early April twenty-four people in San Diego were charged with racketeering in an elaborate mortgage scheme. In Dallas, the Stanford Financial Group was recently accused of selling certificates of deposit that were never invested, in addition to numerous other fraud allegations. A Twin Cities realtor was recently convicted of mortgage fraud. A Georgia attorney recently pleaded guilty to a $28 million investment fraud scheme.

The seemingly endless flow goes on, touching on every aspect of the real estate and investment industry, from appraisers, to real estate agents, attorneys, investment brokers, mortgage brokers, and bank managers.

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North Bay Village first came into being when it was built up from the waters of Biscayne Bay in the 1940s. Together with Treasure Island and Harbor Island, the community was incorporated as a village and became the haven of many snow birds who flocked to the area every winter to escape the brutal cold of the North. Many of these snow birds eventually decided to make the area their permanent year round home because they loved the quaint lifestyle plus the benefits of being surrounded by Biscayne Bay on one side and the Atlantic Ocean on the other. If you are looking for prime beach front property that is affordable and yet still has a hint of luxury that you crave, North Bay Village has plenty of real estate offerings for you to choose from.

The village is very popular in terms of restaurants and retail options. If you are looking to dine in style or dine casually, there are plenty of options to choose from. If shopping is your thing, you are located near all of the best shopping that the Miami Dade area has to offer. If living in the sun year round is appealing to you, North Bay Village offers you year round sunshine and access to great beaches and water sports.

In terms of real estate offerings, you will see many single family homes on the market in addition to many condominium developments that offer you ocean views as well as breathtaking vistas of the Miami skyline. There are many quality developments for you to choose from including Blue Bay, Cielo by the Bay, The Bridgewater and The Lexi. If you are looking for a quaint living experience that still has a touch of class and elegance, North Bay Village may be just what you are looking for in terms of lifestyle and real estate value.

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Big names from Sports world:
Sheikh Mohammed bin Rashid Al Maktoum presented a whole island (in “The World”) to Michael Schumacher at his retirement, probably one of the most expensive publicly known gifts to an individual in recent times. Schumacher involvement doesn’t end there; we have got a whole Michael Schumacher Business Avenue at Business Bay as well. Similarly Boris Becker has a 19-storey building named after him. ACI Real Estate recently launched “Boris Becker tower” in the same district. Talking of tennis celebrities, everybody knows the famous friendly match played between Roger Federer and Andre Agassi at the helipad of Burj Al Arab hotel. Then we have “Tiger Woods Dubai”, a golf resort designed by non other than Tiger Woods himself. David Beckham represents the football stars at Dubai, who owns a luxurious Villa at Palm Jumeirah (though for the time being, his in-laws are more likely to occupy it).

Showbiz Biggies:
Dubai government is trying to make Dubai the prime destination for tourists, and what better way to attract people all around the world than bunching up some of the most famous showbiz names in Dubai, one way or another. Brad Pitt, Angelina Jolie, Hillary Swank, Kylie Minogue, Giorgio Armani, Carlos Santana, Shah Rukh; the names are big enough to pull crowds on their own. One of the hottest couple in Hollywood (at least among those, who are still together) Angelina Jolie and Brad Pitt have reportedly bought an island in “the world” Hillay Swank and Shah Rukh Khan are endorsing some property developments (While SRK owns an address in Palm Jumeriah as well). More than 2000 celebrities from all over the world flocked to Dubai for a grand opening ceremony of Hotel Atlantis, where Kylie Minogue and Michael Jackson performed.

With so many celebrities, VIPs and super starts showing up at Dubai, Dubai will soon become an ideal spot for investors, businessmen and tourists alike (oh and paparazzo’s as well).

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