Being an Erasmus student requires to fully concentrate on their school work, without wasting energy and resources looking for a house in a new country, to procure the necessary housing, devote time to activate supplies, perform administrative procedures.
Our experience allows us to offer the service of accommodation for young students who are independent or seek solutions that are willing to share accommodation with other boys.
The apartments available are fully furnished and equipped with all necessary equipment for your comfort (energy supplies, accessories, kitchenware, TV, DVD, washing machine). We provide the realization of both scheduled maintenance to repairs, provide for all the paperwork and administrative provisions required by law.
Solutions are available in single or double room.
The contract allows for the tax benefits provided for the deductibility of rents, and meets the requirements of ER-go for the Regional scholarships.
For each of our clients in this way there is the certainty of a comfortable, efficient service, quality with certain costs and no problem.
The job market today requires high flexibility and mobility of staff that companies often have to look in other towns. This is inconsistent with proposals in the current real estate market. The consequent risk is the loss of important business opportunities.
With the continuous cooperation with the most dynamic entities in Emilia Romagna, we are able to match the needs of housing services, with emphasis on flexibility to the availability of housing.
We are specialized partner:
• for companies who need to provide accommodation for their staff, we have solutions for every need: studios and apartments for single occupancy, shared accommodation for young workers, trainees, stager.
• for all training institutions, improvement of schools, universities that select students course participants from all over the country;
• for temporary employment agencies.
The accommodations we offer are located in all areas of the city of Bologna, Parma, Reggio Emilia and Modena.
For each of our clients in this way there is the certainty of a comfortable service, efficient, reliable and cost of quality with no problem.
Must relocate to start a new-or first-professional experience, having asked to fully concentrate on his commitment without wasting energy and resources in finding a home.
Our experience allows us to offer the service of accommodation for young workers who are independent or seek solutions that are willing to share accommodation with other boys or girls.
The apartments available are fully furnished and equipped with all necessary equipment for your comfort (energy supplies, accessories, kitchenware, TV, DVD, washing machine). We ensure the achievement of all scheduled maintenance and repairs, provide for all the paperwork and administrative provisions required by law.
Solutions are available in a single room, double room and beds in double room.
For each of our clients the assurance of a comfortable, efficient service, quality with certain costs and no problem.
Servizio Alloggi s.c. offers to all owners the opportunity to yield their property without taking on all issues related to the management of the lease.
Assuming the properties rented directly raises the owner from any risk and liability arising from the lease and guarantees:
Most mortgages originated today calculate interest in arrears, unlike consumer loans which calculate interest to the date of payment receipt. As an example, when borrowers pay their February mortgage payments, they are paying the January interest. This method of calculating interest is based on a 360 day year in which each month has 30 days.
The easiest way to avoid PMI is by putting 20% down payment; however, PMI can also be avoided if you only have 5% or 10% for the down payment. The way to accomplish this is via a first and second mortgage combination commonly referred to as 80/10/10^s or 80/15/5^s.
These two methods combine a first mortgage lien for 80% of the home price with a second mortgage lien for either 10% or 15% of the home price leaving the remaining 5% or 10% as the down payment. Because the first lien is at the magical 80% loan=to-value, there is no PMI required, even though a second mortgage is being |piggybacked| onto the financing thus allowing for the lessor down payment.
While the second lien terms are not as attractive as first lien rates, the second mortgage is still home mortgage interest and thus deductible as such on your federal tax return where PMI is insurance and offers no deduction.
Many tax authorities will mail an informational copy of the real estate tax statement to the homeowner in addition to the Credit Union. However, there are some statements tax authorities do not forward to the credit union, and in special cases we will need your assistance in obtaining the bill. If you receive a statement for any of the following, please forward it to our office by mail or fax.
Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.
If you’re prequalified it means that you POTENTIALLY could get a loan for the amount stated to you, assuming that all of the information you provide to the bank is accurate and true. This is not as strong as a preapproval.
If you’re preapproved, it means that you have undergone the extensive financial background check, which includes looking at your credit history, previous tax returns and verifying your employment – and the lender is willing to give you a loan, basically meaning you’re approved!
You will usually be provided an accurate figure which shows the maximum amount that you are approved for. Most sellers prefer buyers that have been preapproved because they know that there will not be any problems with the purchase of their home.
Title insurance is insurance that protects the lender and buyer against any losses incurred from disputes over the title of a property.