To purchase a home for 20 - 50 Percent off retail you have to know how to look for these specific homes. Don't expect a real estate broker to call you out of the blue and offer you one of these homes, although it may happen in a down real estate market. But rarely.

The best way to buy a home for 20 -50% off retail is to use the suggestions in this report. This will steer you in the right direction. The rest is up to you and your determination.

1. Before you start house hunting, make a list of your needs in a house. Keep in mind this must have a balance with what you can afford.

2. If you're a Law enforcement officer, fire fighter, emergency medical technician or schoolteacher you're eligible to participate in HUD's (U.S Housing and Urban Development) Good Neighbor Next Door Program.

This HUD program offers a big incentive in the form of a discount of 50% from the list price of the home. In return, you must commit to live in the property for 36 months as your sole residence.

This excellent program could make your dream of home ownership possible.

3. The HUD 203k Program allows you to purchase a home at below market value because of repairs or improvements needed. In turn, it loans you the money to purchase and rehabilitate the home that instantly increases the value. This is an excellent program to get you into a home and help you build quick equity as well.

4. In addition to HUD (Federal Housing and Urban Development) there may be programs offered by your local and state governments.

5. If you're a single mother consider the Homeownership Voucher Program. This program will help you to meet many of the expenses of home ownership and other benefits.

6. HUD Auctions is an excellent source for finding homes you can purchase for 20-50% off retail. HUD auctioned properties can now inspect HUD homes up for auction at the HUD website. During the inspection period, prospective buyers have the opportunity to "shop" the available listings. You will have time to inspect homes, look at neighborhoods and comparison shop before submitting your auction bid.

7. The Urban Homestead Program is available in most counties in America. This program involves homes foreclosed on and land turned over to city agencies for resale. You can purchase most homes for 20% - 50% below market value.

This program works for people who agree to fix up the home. Most of the homes under this program qualifies for everything for no-payback grants to no-interest rate loans. You can even rent equipment to make many home improvements for free. For more information on this program, contact your City Redevelopment Agency.

8. HUD Dollar Homes Initiative is another program that allows you to buy a home for $1. I know your first reaction to hearing this is "what's the catch?" Right. The only catch is the property is often in low-income neighborhoods and often in the condition where it can't sell to the public.

9. The best values in real estate are "fixer uppers." Fixer uppers are usually the easiest to buy, require the lowest down payment (many times no down payment) and offer the most flexible terms. And best of all they increase in value the fastest, after the necessary work.

10. If you're handy with your hands or know someone who is, it may be to your advantage to concentrate on buying homes sold "As Is." You can expect to get deep discounts when buying a home sold with an "As Is" clause attached.

11. Search your area newspaper classified ads everyday for motivated sellers. How can you recognize motivated sellers? Motivated sellers use certain word clues in their ads. For example, owner flexible, owner will carry, lease option, must sell, no money down, make offer, etc.

These 11 tips will help you get a home for 20% - 50% off retail. Now that you've read these tips, the next important step is to take action. The only way to tell if they'll work is to take action. You have nothing to lose and perhaps a home to gain for 20% - 50% retail.

To learn more about the individual programs do a "Google Search" to learn more details.

After the admission of Bulgaria and Romania in European Union, western Europeans will consider to open businesses and to buy or build homes there. But when building a home, everyone has to know that there are steps to be made in order to have all the papers needed for an authorized building, and another steps in conducting the building of the home.

The steps needed in order to have the correct papers for your home, usually are:

1. The sell-Purchase Agreement for the plot of land on which is intended the building of the house, or the agreement for lending the land for the whole period of life of the home.
2. The Certificate of Urbanism, that shows the principal characteristics allowed for constructions in zone, this meaning the total height, H, in meters, admitted for buildings, the maxim number of levels, the occupation coefficient of land, as a percentage from it. It also will specify the surface of the land taken out of agriculture circuit in order to be built.
3. The Detailed Plan of Urbanism, with drawings to show how your home will be arranged between the other buildings or homes of the zone.
4. The Projects of architecture, resistance, installations, and a calculation of the total cost needed for the entire works at the home.
5. Authorization for the Construction and a number for authorizations for all the utilities and facilities.

The steps needed in the real process of building the home, are finally of two kinds: The raising of the building, and the finishing works.

The steps when raising the building are:

* The digging for the place of foundations.
* Realizing of foundation of the home.
* Structure of the home for all levels and the roof.
* Brick walls at outside and inside, realizing the spaces as in project.

The finishing works are implying:

* The finishing of the walls, at inside and outside, with wet or dry materials.
* Mounting of all the windows and doors.
* Finishing of the floors, specific for every space: parquet or other wooden materials for bedrooms and mosaics or marble for baths and kitchens.
* Mounting of all installations: electrical, for running water, for heating and natural gas, telephone, etc...