headings=new Array("Home Page","Terms & Conditions","Property News","Bloemfontein Development","About Us","Our Commission","Our Agency","Our Vision","Your Agent","PEK Group","Links","Bloemfontein Links","Bloemfontein Schools","South African Banks","South African Universities","Property Laws","Downloads","Webring","Buying Property","Buying A Home","House Hunting Tips","Buyer Qualify","Home Finance","How much cash do you need to buy a home?","How Much Can You Afford To Spend?","Getting Finance","Ownership Options","Rent Or Buy","Calculators","Home Loan Calculations","Home Loan Calculators","Affordability Calculator","Mortgage Bond Repayment Calculator","Mortgage Bond Amount Calculator","Bond Repayment Factor Table","Bond Repayment Factor Calculator","Bond Repayment Factor Table (extensive)","The Costs Of Buying A Home","Transfer Cost Calculator","Transfer Duty Calculator","Bond Registration Costs Calculator","Selling Property","Private Sale","DIY Help","Marketing","Silver Marketing Plan","Gold Marketing Plan","Platinum Marketing Plan","Where Buyers Come From","No-Price Advantage","Comparative Market Analysis","Adding Value When Selling","First Impressions Count","Staging A Home For Sale","Legal Stuff","Mandates","Open Mandate","Sole Mandate","Exclusive Mandate","Huis-Huis Exclusive Mandate","Mls Mandate","Multi Listing","Contract Of Sale","Offer To Purchase","Standard Offer To Purchase","Glossary Of Terms","Electrical Certificate Of Compliance","Example Electrical Certificate Of Compliance","Electrical Inspection For Certificate Of Compliance","Electrical Certificate Of Compliance Regulations","Beetle Infestation Certificate","Property Transfer Process","Use Your Own Transferring Attorney!","Transfer Duty","Capital Gains Tax","Sectional Title","After The Sale","Home Safety","Electricity In The Home","Home Beauty","Affordable Interior Decorating","Colouring Your Home","Home Improvement","Home Improvements That Pay Off","Bad Choices In Home Improvement","Financing Home Improvement","Don't Over-Capitalise","Home Maintenance","Home Enjoyment","The Kids The Treehouse And The Neighbours");
descriptions=new Array("South African property information to make childs play of selling, buying, letting, renting and maintaining your home","Please read the terms and conditions that apply to the use of the Huis-Huis.co.za web site","The property news that affect every homeowner and some other interesting stuff","Is the town-council trying to choke Bloemfontein development to death with their new town development framework?","Information about the Huis-Huis.co.za real estate web site","With a percentage of the purchase price, we only get paid after successfully selling a property","Information abouth the Huis-Huis Eiendomme Properties real estate agency","We strive to create a positive, energetic, cheerful and professional agency where fun, creativity, growth, training and productive change are inspired","What Can You Expect From Your Agent?","The PEK Group is a small multi listing organisation","Hyperlinks to those places on the Internet we have found relevant, helpful, or interesting","Hyperlinks to other web sites with Bloemfontein information, history, services, and other interesting stuff","Telephone numbers for Bloemfontein schools and hyperlinks to Bloemfontein school websites","Links to the banks in South Africa, and a few web sites about the South African banking sector","Links to the South African Universities' web sites","Links to those property related laws that affect ever homeowner in South Africa","Your super-duper christmas wish-list of downloads for all aspects of property in your life","Africa is REAL ESTATE country!","People have various reasons for buying property. Different motivations for buying property explored","Some people get nervous and overwhelmed just at the thought of hunting for and buying a home. But it's easy!","Follow some good advice to ensure you're not simply hunting your own tail!","Buyer Qualification will remove the uncertainty involved in a house sale for buyers, sellers and real estate agents alike","Unless you can purchase a home for cash you will need to apply for a home loan to finance your purchase","The cash amount you will need to buy a home depends on the cost of the house and other factors","A crucial step in finding the right home is to first determine how much you can afford to spend on your new home","The process of getting finance approval for your new home is a very important part in the train of home buying events","It is important to consider the advantages and disadvantages of different ownership options","Why should I buy, instead of rent?","Here is a collection of handy calculators for you to use","Home Loan Calculations to determine PV and PMT using monthly income, interest rate, and term","The calculators that will take the guess-work out of home loans","Affordability Calculator calculates an affordable purchase price based on annual income, susidies, interest rate and term","Mortgage Bond Repayment Calculator calculates your approximate monthly repayments for your mortgage bond","Calculate the mortgage bond amount for a monthly bond repayment, interest rate and term","A guide to using the bond repayment factor table as a very useful tool when calculating bond amounts and bond repayments","Bond Repayment Factor Calculator calculates the bond repayment factor for a specific interest rate and term for use in a simplified loan calculation","The extensive table of bond repayment factors used in mortgage bond calculations","Home buying costs and the other less apparent expenses can quickly become a problem if you don't budget for it","Transfer Cost Calculator calculates the transfer costs based on the purchase price and mortgage bond amount","Transfer Duty Calculator calculates transfer duty payable on a certain purchase price by natural persons and legal entities","Bond Registration Cost Calculator calculates the registration costs for a mortgage bond based on the mortgage bond amount","When selling a propery, the seller needs to do some important groundwork first","If you are considering selling your home privately","Do-it-yourself help for the private seller","Marketing","This gives you more control over the access buyers have to your property than some other marketing options","The Gold Marketing Plan is for sellers with enough time, lots of initiative and great expectations for the sale of their property","The Platinum Marketing Plan was designed with the aggressive seller with high expectations in mind","Marketing is the key to finding that one buyer waiting to buy a specific propery","No-price marketing has a great potential to obtain the highest possible purchase price for a property","Determine the market value of your home with the help of a comparative market analysis","Adding value when selling needn't be expensive - simply cleaning and improving tired home areas can often make a big difference","Before buyers have even stepped over the threshold, they have already formed that first impression that sets the tone for the rest of the home viewing","Staging a home for sale involves changing negatives into positives and allowing potential buyers to fall in love with it","Legal Stuff","A mandate is not an every-day concept to many people. Learn more here","An open mandate is simply the oral authorisation a seller gives an agent to market a property","Sole Mandate","An exclusive mandate appoints a single estate agent or agency to market and sell your property","The Huis-Huis Exclusive Mandate is a written undertaking by us to market your property to the best of our abilities","Mls Mandate","A rather unflattering opinion on multy listing services","The contract of sale has to contain all the terms of the agreement between the two parties","An offer to purchase immovable property is a written document containing information on the property, the buyer, the seller and the offer terms","Standard Offer To Purchase","Those confusing real estate terms explained in plain English!","The importance of obtaining a valid Electrical Certificate cannot be over-emphasized","What an electrical certificate of compliance might look like","Before an Electrical Certificate Of Compliance may be issued, the property must be thoughroughly inspected by a qualified and registered electrician","Some of the regulations that apply to the electrical certificate of compliance","The mysteries of how the Beetle Infestation Certificate protect you, your wood roof trusses, and your family in the Cape and Kwazulu Natal revealed and explained","The property transfer process have a number of different steps to guarantee an undisputable title","The Buyer, Seller and Estate Agent all have their own interests to consider and protect in an Offer to Purchase","Transfer Duty is a tax levied on the transfer of property from one owner to another","Capital gains tax on the net gain from the sale of immovable property explained","The Sectional Title Act 95 of 1986 made it possible to have ownership rights in a unit in a complex","Property questions and problems don't stop after the sale","Home Safety","Electricity is an essential part of our lives. If used wisely, electricity is a safe and economic energy source","Beauty, as they say, is in the eye of the beholder. Your home is no exception","Affordable interior decorating for your home using paint, lighting, plants, mirrors, a little imagination and some effort","Colouring your home can be a lot trickier than it sounds. Here are some colour ideas to get your creative juices flowing.","South Africans spend millions each year on home improvements decorating and general doing up","Any homeowner would like to make home improvements that pay off by way of a quicker sale at a higher price","Bad choices in home improvement are easy to make and makes a property harder to sell","The secrets of financing home improvement projects explained","Don't over-capitalise on your home when trying to add value to the original cost of the property","Home Maintenance","Some ideas for squeasing every drop of enjoyment from your home","The Kids The Treehouse And The Neighbours");
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