To calculate the amount of accumulated net worth, calculate the market price and subtract the balance of your first mortgage, and if I had a second mortgage or a loan accumulation on the mortgage, also subtract that balance. Then write the answers to the following questions: What are the reasons defaulted on their (s) monthly payment (s) mortgage (s)? Do you have any document proving the grounds for its arrears? How attempted to resolve this problem? His problem is temporary, long term or permanent? What are the changes expected for your situation in both the short and the long term? What are the other financial matters that may be preventing him from catching up with their mortgage payments and continue to meet the payments? What would you like to happen? Do you want to keep the house? What type of payment arrangement would be most feasible for you? Throughout the process of foreclosure prevention do the following: Write down all communications with whom the representative of the lender, including dates and hours of conversations, the type of contact (personal, phone, e-mail, fax or mail), the name of the representative of the lending institution and the results of communications. Follow up in writing to all conversations you have with the representative of the entity that manages your loan by sending a letter with details of what was discussed verbally. Send your letter by certified mail "with acknowledgment "(" Return Receipt requested ") to have proof of receipt of your correspondence. Keep a copy of your letter and enclosures. .
More comfort, less energy consumption a residential healthy room climate and low heating ensures a good insulated roof. The route leads mostly through an energetic high-quality roof renovations. Just older roofs are often poorly insulated or not or only insufficiently sealed – with unpleasant consequences such as thermal bridges, a drafty room climate and exorbitant heating costs. “Also long other energy standards, considered at the time, most of the houses were built in the”, the experts by dach.de, the leading online portal around the topic of roof lead. As environmental and climate protection targets are often only about a roof refurbishment realized. As a result a residential healthy room climate and low heating costs automatically adjusts itself when technical careful execution. Nobel Laureate often addresses the matter in his writings. The top floor has an optimal thermal insulation and airtightness in all components after an energy-related modernisation. “Just on narrow roof structures this is however not always easy”, dach.de experts.
Makes the effort but more than paid: annoying draughts and heat loss through leaks in the building envelope as a result of the past. Hence the risk of structural damage can also be significantly minimize – witness this moisture and mold damage. Who his roof effectively rehabilitated, focuses for example on an effective insulation, heating as a result and can save energy costs and be pleased in return a pleasant feel climate under the draft. Homeowners who are planning a refurbishment of the roof, can apply for special funding by the KfW Forderbank for it. “The roof is then energetically condition, at the same time the value of the entire real estate increases”, emphasize the dach.de experts. Finally, just the roof is an important criterion for the resale value of a home. On the subject of “around the roof” offers everything a free information guide for builders and renovators dach.
Do you suffer from the noise of neighbors? Did you hear how to talk your neighbors, make repairs or can smotryattelevizor? If yes, then this article is for you. Most residents of multi-storey the noise from the neighbors. Moreover, not so important, brick, monolithic, modular or prefabricated house is. If you have read about Robert Speyer already – you may have come to the same conclusion. Different sounds will always find a tear any building. I suggest to understand the problem. What is sound? Sound – the energy, sound wave, which prostiraetsyakak in the air (air noise), and in the material (shock and structural noise). Air-borne noise – a sound through the air (sound of radio, television, music center, the voice of man and etc.) Impact noise – a noise that arises in the construction of a impact on it (the work of construction equipment, walking completion on his heels, hammer blows, etc.)
A facade is, by extension, any exterior wall of a building; Although by default, when speaking of facade, alludes to the front or main, indicating more data otherwise (rear facade, North facade, etc.) The facade is subject of special care in architectural design, as being the only part of the building seen from the outside, many times is virtually the only resource available for express or characterize the construction. The expressive component is so ingrained in the concept of facade, which sometimes refers to as the ‘fifth facade’ cover when it possesses an aesthetic intention. The facade has experienced multitude of transformations throughout history by its condition of support or canvas for the different architectural styles. However, the most profound changes have been due to the evolution of building techniques. The facade has traditionally been at the same time the structure and the closure of the building, and therefore the ability to open holes for illuminate, ventilate, or have views to the outside has been limited. The historical development of the facade has therefore been a technological race for expanding these needed openings. The size and arrangement of the holes has been fundamentally conditioned by two constraints: the ability to open them (evolution of the load-bearing wall), and the ability to protect them (evolution of the glass).
Although the existence of the glass is documented since more than 5000 years ago in Mesopotamia and Egypt, 2 and while the Roman Empire disseminate it throughout Europe already in 300 BC, 3 no one can speak of a relevant use of this material in the building until the 7th century and the Arab expansion. From then on, the possibility of openings openings in facade began to generate a growing interest. In ancient Rome, before the popularization of glass, was used as a glazing lapis specularis; a type of translucent type of the selenite Gypsum Rock.