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 Can I get more than one mortgage pre-approval?
I'm just starting the home-buying process. Can/should I get multiple pre-approvals from different banks to see who would offer me the "best deal", or do I have to pick one and stick ...


 Housing Market Crisis???
Don't wanna offend anybody,,,,But I guess I'am old fashioned...Why is the Government helping these people???? 1st Your house isn't an ATM machine
2nd If U can't afford the ...


 I owe $431k on a rental, can't make the payments anymore and no buyers, what options do I have?
I owe $431k on the rental property, My rental income is $3000 but my payment is $4000, Can't continue making the payments, Due to the market no one will buy my property for $431k, What can I do?...


 It is best to use a mortgage broker or go through the bank for a home loan?
Is it extra to use a mortgage broker?...


 Who Should pay closing Cost?
I am a buyer and I want to ask that the seller pay closing cost but my realtor keeps telling me to just pay it myself to make the offer prettier. What do you think?...


 How do you keep from feeling totaly desperate when your house won't sell?

Additional Details
Our house is located in the Denver area. We can't afford to lower the price as it is at the price we need just to break even. I need real answers. My husband and ...


 How long does it take to evict someone for not paying rent?
...


 Where to do start in buying your first house?
...


 Is it wise to invest in rental property 5 hours away from my residence.?
I can better afford to invest in real estate away from my hometown. I live in New Orleans and for various reasons want to invest outside of my area. Is it realistic to think about purchasing a ...


 Can I cancel PMI if I've done home improvements?
If I had a 100% loan for $100,000 and made $20,000 worth of home improvements within the first year, can I get my lender to cancel PMI?...


 Landlady not returning the deposit?
I vacated a flat one and half month back and the landlady is not returning the deposit £700 saying the flat was dirty and says there is some damage which I don't agree with. I told her she can ...


 Should I stay or should I go?
Four years ago I purchased my retirement home in Durham North Carolina. The mortgage on the home is 460.00 (4 bedrooms huge backyard). My rent here in New York City is 1200.00 (1 bedroom, not too ...


 I am in a desperate need of a loan......?
We lost our house on sep due to an irresponsable landlord, he didn't pay the mortgage for 8 months and we didn't know about it, so we got kicked out on the streets with only a couple of ...


 If I get a mortgage for $100,000, then purchase a property for $60,000, what happens to the other $40,000?
Does that become extra money for me to do what I want with like fix up the property?...


 Selling a house in a bad market, is it better to ....?
We're upside down on our mortgage by several thousand dollars thanks to a slick refinance agent and my ignorance of mortgage workings. We already have the house priced at well below what we owe, ...


 I let my sister live in my house rent free cause she left her bum husband, but now she going back 2 him and?
she says she is having to stay in her car because she doesn't want to live with him but only a few days out of week and she wants to continue to stay in my house. This house is my hubby and I...


 Can i ask to change the amount of rent after i had signed the contract?
I moved into a house with 2 other girls and the rent that was offered was $550. I had asked as to why it was so high, and it was because it was for the room + garage space. I had asked to knock off $...


 100k loan with 35k income through countrywide?
I have been pre-qualified for a home loan for 100k from countrywide through fha. I make 35k a year and have a car payment and cc debt that totals close to 500.00 does anyone think I will be able to ...


 What is the difference between a hotel and a motel?
...


 How safe is buying land off Ebay without seeing it first?

Additional Details
this is a family owned business and they are sending me the paperwork and pictures of the property through the mail. I'm thinking I'll have an attorney look ...



katie30
Does anyone know what is included in rent for?
a furnished property. A friend of mine privately rents, she pays £105 per wk and has just been landed a water bill for £240. Her landlord says she is responsible for the charge. it doesn't state either way in the tenancy agreement. Is this right? i'm in the uk.
Additional Details
she has lived in the propery for 18 mths, the landlord previously letted the house through an estate agents, that is where she used to pay her rent and where she signed the tenancy agreement. the landlord has since cut ties with the estate agents and collects the rent himself. so she feels as if she has lost some sort of security. the property isn't even up to standards. she works hard and it doesn't seem fair, she is a single mum of 3.
thanks everyone anyway x
                     
 




angler
Rating
Water is 99% usually included.If it is'nt stated either way.She should contact a solicitor.How was the bill in her name?Did she
sign to take it on?Water bills are in the home owners name.Not
the tenants.Maybe he/her filled in form using her name.Get advice.Look for another place.Landlord sounds well dodgy.


kooki
I have been renting for 12 yrs and in all cases tenants are responsible for all bills unless clearly stated in the tenancy agreement hope this helps


claimbankchargesback
This is correct. A furnished property means just that, it comes with furniture and extras such as washing machine, fridge, possible sofa etc, rather than just an empty house.

Tenants are responsible for all of the bills, for gas, water, council tax, phone, electricity etc, unless explicitly stated otherwise in the tenancy agreement.

However, the water bill does seem quite high. Unless the property has a meter, which it doesn't sound like it has, then the water board estimate the amount of water used. If there is only 1 or 2 people living in the house, you can phone them up and they will usually give a discount as you will be using less water than a full family. This isn't guarenteed, it depends on who the supplier is, but they normally do do this. Its something you have to ask for though, otherwise you just get charged the standard rate.

Also if there is only your friend living in the house, there is a discount on the council tax as well, normally 25% off if I remember right for single occupancy, but again this is something you have to ask for from the council or you`ll get charged the full rate by default.


sandydesert
In the UK your friend is responsible for water rates and Council tax as well as her rent, gas and/or electric and phone bills.


ᵸᵃṩᵢᴄᶦṱ☔
Rating
unless stated otherwise all bills are paid by tenant.


furby
Rating
the flat should of said 'inclusive of all bills' next to the price. so am afraid the bills are your friends responsibility. Dont for get that your friend can ring the water bill etc for payments by instalments. it would help alot.


What's another year?
The tennancy must clearly state who is responsible for service charges.


mark
I dont know England but water and sewerage is normally the landlords problem. It is part of the rent. There may be provision in the lease for EXCESS water charges for very heavy water use.
You can ask at the place that used to manage the property.
I suggest your friend look for somewhere else to live .


stormydays
Rating
in UK its Very rare that rent covers utility bills. If the rent includes the water etc it will state so in the tenancy



more commonly seen in sheltered accomodation...student houses etc....hostels...some local authority establishmenst. etc etc

£105 per week rent is average for most types of property now.

Im surprised she had not considered all the costs of running a home before she moved in. You better warn her she will more than likely be responsible for council tax...gas...elec...other water charges....contents insurance (optional)

Get her to citizens advice bureau....they will help and see if she is entitled to any government support if your in uk


Maid Angela
It depends what is in the contract but all the contracts I know about where there is separate meters for the premises being rented the tenant is responsible for the supply that goes through that meter. If there is one meter covering several rooms or flats the charge would have to be included in the rent or an agreement where the tenants share the cost. If that is the case then it would be part of the contract. The bill sounds very high and it could be she is being asked to pay for several tenants water (Maybe they are also being asked to pay as well) She should seek legal advise from the CAB and she should demand to see the actual bill so she can at least check the meter reading


the_keys78
Rating
I'm afraid furnished is just that - nothing to do with the utilities. Having said that, it should have been made clear in another part of the contract who was responsible for what utilities. If nothing was mentioned in the contract then technically he cannot hold her into paying them. However, what a person can legally do, and what they actually try to do..... Get some advice.

On a side note though, if your friend is to pay the utilities she should seek to get her names on the contracts for the these utilities. - Ok the water is the water, but he/she can shop around for the cheapest deal if it is her name on the contract. If the landlord is not paying the bills in the long run there is no insentive for him to find the cheapest supplier of gas/elecxtric/phone/broadband etc. Good for her credit rating to have them come out of her account regularly as well.

Also - if your friend is living there alone there are council tax benefits - but get your friend to have the utilities registered in her name if she is there alone. She can lower the costs.


Phil McCracken
Rating
Furnished means including furniture, carpets etc. Not including utility bills.


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