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Love In This Club Part Ii

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You actually have 3 options:

1.Getting finance for buying the land-

Usually we can get a "bridge loan" for up to 12 months.

2.Paying on the land from your own sources and getting finance only for the project.

We can achieve in this case, a very good conditions.

3.Refinancing- Paying on the land from your own sources, and in the project financing step, to include the costs for the land (retroactive)

Who is giving these financing solutions?

The popular method for real estate financing in Romania is via Banks.

The Local banks sector has developed a lot, and still in development phase. In Romania we have now tens of banks, most of them are new and coming from western countries – Germany, UK etc.

Another option is with joint ventures or funds. This is a great way to lower your risk, and usually the funds are interested in bugger projects (up to 10 million € ).

At any way you choose, it is a must to know very well all the people involved – whether it is the bank branch manager or the decision maker in the funding company.

In Romania, more then in other countries, the "connections" are very important and can save you a lot of time and money (by getting better offers). Using, having contact persons in this process is crucial.

Unlike the myth, bribe (or "Shpaga" in Romanian) is not necessary in this phase. Everyone is here to do business, and we can assure you, based on our long experience, its not needed at all !

...So, if you lawyer or your assistants indicate this point…try to find another resource of assistance.

What's the time frame for the loan process?

We recommend to start at least 40 days in advanced. The problems starts when you are interested in purchasing a land and you know for sure that the seller will not wait so much time… (The good lands in Bucharest are sold in days).

If this is the situation, we recommend option 2 or 3 as mentioned above, or to sign a pre- agreement with depositing the advance payment based on your own resource.

At anyway, all the banks will refuse to obligate for any result or schedule, especially if you are not familiarized with them or you don’t have the right contacts.

What kind of finance –loans I can achieve?

Financing only the land can be around 50% loan. Having the rights contacts, we can achieve more.

Financing a land and the project can achieve- 70-80% loan.

Buying exist assets can stand also around 70-80%.

We recommend starting the process with 2-3 banks simultaneously in order to prevent loss of time if one bank provides a negative answer.

How to choose the bank?

We usually choose the bank based on some factors:

1.The personal level- how well we know the managers to approve our requests

2.Previous indication about each bank policies and project references (every bank has its own favorites).

3.The time frame takes to the bank to provide a Non obligative offer (for some banks it can take 1 months..)

4.What kind of documents the bank asks and ,can we achieve it- some banks may ask for things you can not have.

AND NOW… after choosing the hard choices, its time to start!

In the next article we will review the "paper work" needed for your loan.

We hope you enjoyed reading our articles about financing real estate projects in Romania.

If you are interested in more information you are welcomed to contact us.

Love In This Club Part Ii

Astrology, cognised by the Seers in altered states of Consciousness, became

a boon to humanity with the result its believers number more than 1 billion.

Like a Lamp Divine which shineth in the darkness illuminating all effects &

all causes, Astrology remains as one of the noblest professions & one of the

greatest sciences which the human intellect has built up ! Related to

Astronomy & Mathematics, Mathematical Astrology is as important as

Predictive Astrology, as without its mathematical base, prognostication is

not just possible.

Strength based on Even & Odd Signs ( Ojayugmarasyamsa Bala )

Strength acquired by the tenancy of Even & Odd Zodiacal Signs in both Rasi

( D1 ) & Amsa ( D9 ) is called as Ojayugmarasyamsa Bala. Certain planets

acquire strength in Odd Signs while others gets strengthened in Even Signs.

Certain mathematical values are assigned to planets who become powerful in

Odd or Even Signs.

The values given are in 1/60 Units called Shashtiamsas. Luna ( Moon ) &

Dione ( Venus ) in even Signs in both D1 ( Rasi ) or D9 ( Amsa ) attain a

strength of 15 Shashtiamsas. On the contrary, in odd Signs Sol ( Sun) , the

Fiery Planet ( Mars) , Jove ( Jupiter ) , Woten ( Mercury) & Chronos (

Saturn ) get a strength of a similar value ( in both Rasi & Amsa ).

The Moon in an Even Rasi & an Even Navamsa acquires a strength of 15 + 15

= 30 Shashtiamsas.

Hence we call this as Ojayugmarasyamsa Bala.

Quadrants or Angles ( Kendras )

1,4,7 & 10 Houses are called angles as they form a Rectangle. Angular lords

means the lords of these houses. Angular Jupiter means Jove in these houses.

Opinions differ as to what Angles are. Some scholars take this as 1,4,7 & 10

Rasis while others take them to be the 1,4,7 & 10 Houses or Bhavas. ( Some

follow the Rasi Theory & others the Bhava Theory ). Parasara follows the

Rasi Theory while Balabhadra, the author of Horarathna ( The Jewel of Time )

favours the Bhava Theory. We here intend to follow the Parasarian view.

Kendras 1,4,7 & 10 Signs

Panaparas2nd, 5th, 8th & 11th Signs

Apoklimas3, 6,9 & 12th Signs

Panaparas These are the signs next to Angles. They are the 2nd, 5th, 8th &

11th.

Apoklimas These are the next signs to Panaparas. They are the 3, 6,9 and

12th

Angular Strength ( Kendra Bala )

Angular Strength is the strength acquired by planets in an angle which is 60

Shashtiamsas; whereas they get 30 in a Panapara & 15 in an Apoklima. This

must be considered only in the D1 or the Rasi Chart.

Decanate Strength

Planets are divided into Masculine, Feminine & Hermaphrodite ones.

Masculine Planets Sun, Jupiter & Mars

Hermaphrodite PlanetsSaturn & Mercury

Female PlanetsMoon & Venus

A male planet in the first Drekkana = 15 Shashtiamsas

A Hermaphrodite planet in the middle Drekkana = 15 Shashtiamsas

& a Feminine planet in the last Drekkana = 15 Shashtiamsas

Total Positional Strength ( Sthana Bala )

The sum of all the five subdivisions worked above added together will give

the Total Positional Strength of planets.

Positional Strength = Exaltation Strength + Sevenfold Division Strength +

Odd & Even Strength + Angular Strength + Decanate Strength

In Sanskrit

Sthana Bala = Oocha Bala + Saptavargaja Bala + Ojayugmarasyamsa Bala +

Kendra Bala + Drekkana Bala

Directional Strength ( Dig Bala )

Planets in certain directions become powerful and this is called Dig Bala or

Directional strength.

Dik or Direction

Ascendant First House East

Descendant Seventh House West

Zenith Tenth House South

Nadir Fourth House North

Planets & Direction ( Dik )

Numerical values are assigned to planets in certain directions. For instance

Jupiter & Mercury become powerful when they are in the Ascendant ( East ).

Sun & Mars are powerful on the Upper Meridien or Zenith ( Tenth ). Saturn is

powerful in the West ( Seventh ) & Moon & Venus become potent on the Nadir

( Fourth ). They will have complete Directional strength or Digbala ( 60

Shashtiamsas ) in these directions.

Directional Arc - ( Digbala Arc )

On the contrary, there are certain powerless points which when tenanted by

planets are Zero Directional strength or Digbala. Sun gets full Directional

Strength of 60 Shashtiamsas when in the South or Tenth. But his Digbala is

Zero when he is 180 degrees away from that point, viz North. In other

words. the Arc of the Ecliptic between the longitude of a planet and its

powerless point, is known as the Digbala Arc.

So there are powerful & powerless points for a planet on the Zodiac & when a

planet approaches its powerful point, it gains Digbala & when it reaches the

powerless point it gradually loses Digbala.

According to Parasara, the father of Vedic Predictive Astrology, the

longitude of the 4th house is to be deducted from the longitudes of the Sun

& Mars. The longitude of the 7th House is to be subtracted from Jupiter's &

Mercury's longitudes. The 10th House longitude is to be subtracted from the

longitudes of Venus & Moon & Ascendant's from Saturn's. If the difference

exceeds 180 degrees, subtract it from 360 degrees.

The result is Directional Arc ( Digbala Arc )

Directional Arc ( Digbala Arc ) = Planet's longitude - its Powerless

Cardinal Point.

If difference is more than 180 degrees subtract it from 360 degrees.

So we find that Mathematical Astrology is not as easy as Predictive

Astrology, as many suppose !

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About Author

Both Osnat Peled & Newagephilosopher are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Osnat Peled has sinced written about articles on various topics from Organizational, Astrology Predictions. Osnat Peled, lives in Bucharest for the last 3 yearsProvides Marketing and finance solutions for investors and developers in Romania. www.mg-holdings.com. Osnat Peled's top article generates over 1900 views. to your Favourites.

Newagephilosopher has sinced written about articles on various topics from Yoga Practice, Astrology Predictions and Religion. Article by G Kumar, astrologer, writer and programmer ofwww.eastrovedica.com & site blog www.eastrovedica.net He has 15 yearsresearch experience in Stock Market Astrology and other in various otherbranches of Astrology. Recently he was awarded a Certifica. Newagephilosopher's top article generates over 40500 views. to your Favourites.

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