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MessagePosté le: Jeu 9 Aoû 2018 - 10:53    Sujet du message: DaeSean Hamilton Broncos Jersey Répondre en citant

 
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 Getting onto the property ladder can be tough. With large  mortgage deals at 90-100 per cent few and far  between [url=http://www.texansauthoritystore.com/Authentic-Zach-Cunningham-Texans-Jersey/]Authentic  Zach Cunningham Jersey[/url] , it’s rarely been more difficult for young people  to buy their first home. However, all is not lost as there are various ways that  you, as a parent, can help them.

Recent research found that without  parental  assistance [url=http://www.texansauthoritystore.com/Authentic-Deshaun-Watson-Texans-Jersey/]Authentic  Deshaun Watson Jersey[/url] , some 100,000 buyers would have not been able to  buy their first home between 2008 and 2011. The so-called Bank of Mum and Dad  has ensured £5.3 billion of property sales in just three years.

Here, we  look at three ways that you can help your children onto the property  ladder.

Remortgage your own home

If your children are struggling  to save for a new home, you could help them by providing part or all of their  deposit. A remortgage is a great way of releasing some capital from your home to  gift or loan to your kids.

Islay  Robinson [url=http://www.texansauthoritystore.com/Authentic-Tyler-Ervin-Texans-Jersey/]Tyler  Ervin Jersey[/url] , director of London mortgage broker Enness Private Clients,  believes that if you have plenty of equity in your property then you could  consider remortgaging to release some of this capital and even if you have a  high value mortgage on your home you can benefit from switching lender – both to  release equity and to benefit from a lower interest rate.

Use specialist  lender schemes

Over recent lenders, various lenders have introduced  innovative schemes that allow parents to help children buy a  property.

One such scheme is a ‘family offset’ mortgage that lets you use  your savings to help your children or grandchildren to buy a home.

You  put your savings into an account linked to the mortgage. It acts as a deposit  although the savings remain under your control and can revert to you at a later  date. However, you give up any interest or investment returns on the money in  order to help the buyer.

The Daily Telegraph reports that ‘you must be  prepared to lock up your money for some years; you will not be able to get your  hands on it until the mortgage is worth 75 per cent of the property  value.’

An alternative scheme is offered by Lloyds. Their ‘lend a hand’  scheme lets you put cash into a Lloyds savings bond that is used as security for  the loan. You will benefit from a return on your savings but the cash has to be  tied up until the mortgage is less than 80 per cent of the property  value.

Guarantee their mortgage

A third option that you have to  help your child is to ‘guarantee’ their mortgage.  Here [url=http://www.texansauthoritystore.com/Authentic-Braxton-Miller-Texans-Jersey/]Braxton  Miller Jersey[/url] , you use your income to boost the amount that your child  can borrow. Some lenders will allow you to be named on the mortgage without  being a joint owner of the property, which avoids any capital gains tax  issues.

Islay Robinson, the London mortgage adviser specialising in large  mortgages, adds: “If you guarantee your child’s mortgage you should understand  that you are offering additional  security [url=http://www.texansauthoritystore.com/Authentic-Keke-Coutee-Texans-Jersey/]Keke  Coutee Jersey[/url] , which will be at risk if your offspring defaults on the  mortgage. You should always take independent legal advice in this situation.” 
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Advantages
 
Because CNG burns up to four times cleaner than gasoline emitting far less  Greenhouse (GHGs) gases like carbon monoxide and carbon  dioxide [url=http://www.texansauthoritystore.com/Authentic-Martinas-Rankin-Texans-Jersey/]Martinas  Rankin Jersey[/url] , CNG vehicles have lower maintenance costs and offer a  longer service life. Fleet operators have said reported reduced maintenance  costs by 40% by converting their vehicles to CNG. CNG has a higher octane rating  which, when used at a very high compression ratio in certain vehicles, will  yield more power than a stock gasoline version. Natural Gas Vehicles (NGVs)  experience less knocking and have superior starting and drivability. Another  obvious benefit of natural gas is that it is 15%-50% cheaper per equivalent  gallon than gasoline. Unlike fuels that are used in liquid form, in the event of  a leak the gas which is lighter than air will dissipate into the air and avoid  any possible chance of ignition or explosion.
 
Disadvantages
 
While it鈥檚 tempting to think of the reduced maintenance  costs [url=http://www.texansauthoritystore.com/Authentic-Justin-Reid-Texans-Jersey/]Justin  Reid Jersey[/url] , the initial investment of incorporating CNG into your  vehicle is quite costly. Converting vehicles to CNG systems ranges from  $3000-$6000, depending on the type of vehicle. Those vehicles containing CNG  systems require a greater amount of space for fuel storage resulting in less  storage space available in a trunk of a car or the bed of a pick up truck. Also,  possibly the greatest disadvantage is that CNG filling stations have limited  availability that so this type of conversion proves to be more practical for  those people living in areas with easy access to the stations.
 
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