Archive for the ‘home rate’ Category
July 22nd, 2010 | 
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The Code for Sustainable Homes is a sustainability assessment tool for new built housing. The tool is developed by the UK government and is used to set minimum sustainability standards in government sponsored residential development. In addition to this many local planning authorities are using this tool to set benchmarks for private and commercial residential development projects as well.
The Code for Sustainable Homes considers a number of topics in nine different categories. Of these categories the one on energy use can be considered as the most important category: it accounts for more than 35% of the total score. Scoring well in the energy section is therefore essential to gain a good Code for Sustainable Homes rating. In this article I review the credit requirements and discuss how feasible it is to meet each these.
Dwelling emissions rate
The first issue in the energy category regards the energy performance of the building. This is considered in relation to the national building regulations. The national building regulations set minimum requirements for the energy efficiency of a building in terms of carbon dioxide emissions.
The dwelling emissions rate issue is the biggest contributor to a good score in the energy category. A total of 27 credits are available in the energy section and there are a maxi,mum of 15 credits available in the first issue. The minimum improvement over the building regulations that is awarded with one credit is a 10% improvement. The maximum of 15 credits is available for what is referred to as a “Zero Carbon Home”. In addition to reduce the regulated carbon emissions from the building with 100% over the requirements in the building regulations a number of additional requirements are put on a building to qualify for the title Zero Carbon Home. This includes a minimum standard for the Heat Loss Parameter and a requirement to prevent carbon emissions from energy used for appliances in the building. Clearly the higher reductions of carbon emissions can only be achieved when using energy generated though the use of low or zero carbon technologies. Issue 7 of the energy categories deals with low and zero carbon technologies and I will discuss this in further detail in that section.
Aside from the way energy is generated, the energy performance of the building envelope is by far the largest contributor to the energy efficiency of a building and the focus should therefore be directed to improving the energy performance of the building envelope. Improving the building performance is achieved through the use of materials that reduce the heat loss of a building. This means that materials with a large insulating value should be employed for the construction of roofs, walls and exposed floors. In addition windows that achieve a rating of the British Fenestration Rating Council in band C or better and glazed doors with U-values better than 1.5 should be used. Efficient boilers for space heating and hot water should be specified. Studies by the Carbon Trust and the Energy Saving Trust have demonstrated that a 25% reduction in the carbon emissions can readily be achieved using high specification materials that improve the energy performance of the building envelope.
A 25% improvement of the carbon emissions is awarded with 5 credits. This improvement is also a minimum requirement to achieve a total Code for Sustainable Homes rating of level 3. It is possible to achieve better than the score outlined here. For instance homes that are build to the “PassivHause” will score significantly better.
Building fabric
The Code for Sustainable Homes also awards credits for the energy performance of the building envelope directly in the second issue of the energy category. There are two credits available. When the strategy as discussed in the previous section is followed at least one of these credits and in many case both credits will be achieved.
Internal lighting
Two credits are available encouraging the use of energy efficient internal lighting. When 75% of the fixed internal fittings are dedicated energy efficient fittings both credits will be awarded. Clearly this is a simple and straightforward way to improve the CSH score.
Drying space
The fourth issue in the energy category requires the provision of an internal drying space for laundry. One credit can be awarded when there is 4 or 6 meter of drying line available. Again this is a relatively simple and low cost measure to implement.
Energy labelled white goods
Two credits are available when energy efficient white goods are installed. The energy efficiency of the appliances is taken from the EU Energy Efficiency Labelling Scheme. To qualify for the two credits the following minimum standards apply:
Fridges and freezers or fridge-freezers A+ Washing machines and dishwashers A Washer-dryers or tumble dryers B or information about the scheme when not provided
There is of course a slightly higher cost associated with better performing white goods. This would only be in the order of a few hundred pounds. Otherwise these credits are straightforward to achieve.
External lighting
Two credits are available when external space lighting and security lighting are designed for energy efficiency. Again it is relatively easy to achieve these credits at low cost.
Low or zero carbon technologies
Under issue 7 in the energy category, the Code for Sustainable Homes awards up to two credits when low or zero carbon technologies are implemented in the scheme. Because implementing these technologies will also have a significant effect on the carbon emissions of the building as described under the first issue (ENE 1), the actual gain in credits will be higher. In many cases another 2 credits will be awarded through the improvement in issue ENE 1.
To be eligible for the credits a study into the feasibility of the various technologies needs to be carried in or before RIBA stage C. In addition the low or zero carbon technologies need to contribute to a carbon emission reduction of at least 10% for one credit and 15% for two credits.
When a building design includes a high energy performance of the building envelope a significant source of the energy demand of a house lies with the need for domestic hot water. Providing a solar thermal system is a relatively cost effective way to provide about 50% of the energy required for hot water. This often accounts for a carbon reduction of more than 10% in energy efficient houses. Further improvements can be made using other technologies. It depends on the nature and the location of the project what technologies would be best suited to achieve these further reduction in carbon emissions. It is worthwhile to mention that in the UK photovoltaic cells to generate electricity will likely become much more cost effective from April 2010. From that date the new system of Feed-In-Tariffs will go live. The UK government will set minimum rates that electricity companies will pay for energy generated from small-scale installations. It is proposed that electricity generated with photovoltaic cells will receive up to 36p per kWh.
Cycle storage
There are two credits available when sufficient and dedicated space to store cycles is provided. This credit is relatively easy to achieve in detached and semi-detached houses, although more challenging when considering terraced housing or flats.
Home office
The Code for Sustainable Homes awards one credit when dedicated space is made available for the use as a home office. Although in principal this is a relatively easy and low cost credit to achieve, there is one element that requires careful consideration. The room that is chosen to be adapted to allow its use as a home office is required to have a day-lighting factor of at least 1.5%. Whilst this is not an overly onerous requirement to meet, not all rooms will necessarily meet this criterion in all new homes.
Conclusions
Focusing on the energy performance of the building envelope is an important element in a strategy for a good score within the energy category of the Code for Sustainable Homes tool. It will provide good credits in its own right, but also makes it easier to achieve the credits associated with the provision of low and zero carbon technologies. Combining these two topics should enable a project to achieve eight to ten credits. In addition to these credits, the remaining issues are usually straightforward and cost effective to implement. This would achieve another eight to ten credits. Achieving more than 70% of the available credits in the energy category is therefore feasible without having to resort to advanced methodologies for most residential development proposals.
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You hear quite a bit lately that “the Fed is cutting the interest rate.” Maybe you’ve been considering a refinance, and you’re waiting to move forward till the Fed takes action again. But be smart about waiting and watching. A Fed cut doesn’t directly affect long term rates (for instance a 30 year fixed mortgage), but it does impact long term mortgage rates. The problem is the impact might not have the result you’ve been waiting for.
Who is the Fed? Well, it’s really the Federal Reserve. And when the Fed cuts rates, it usually cuts the Fed Funds Rate, which is the rate banks lend each other money. However, when the Fed lowers the Fed Funds Rate, Prime Rate, the rate banks give their best customers, usually drops as well. Ok, that’s great. But what does that really mean to the average person on the street? It means that anything that has an interest rate tied to Prime is directly affected by the Feds’ rate cut. Typically, these are short term loans. For instance: a credit card or a Home Equity Line of Credit (HELOC). In general, these rates decline when the Fed lowers rates. On the flip side, a Fed rate cut means your savings will perhaps not yield as much interest and your CD (certificate of deposit) won’t be at such a great rate. So, it’s not all good.
Why aren’t mortgages directly affected? Because mortgage rates are typically longer term rates and are influenced by buyers and sellers in the bond market. Daily movements in the bond market cause mortgage rates to change. That’s why you might get a quote from a loan officer on Tuesday, and on Wednesday, your quoted interest rate has increased .125%. The Fed lowers rates to help stimulate the economy. Ultimately a healthy economy is good for the real estate market. Jesse Lehn, Senior Vice President for Mortgage Investors Group, believes, “…a liquid real estate market is beneficial for the mortgage market and that keeps rates competitive.” So, when the Fed lowers rates, indirectly it can help mortgage rates, but there is no direct correlation.
Another misconception is that mortgage rate changes occur in direct relation to when a Fed rate cut happens. In actuality, most mortgage rate changes, positive or negative, occur regardless of whether the Fed is actually meeting. That’s because the mortgage market anticipates what the Fed is going to do.
A good loan officer should have their finger on the pulse of the market, but again it’s a gamble. Remember to have a target interest rate in mind if you want to lock a loan but are watching the market. Trying to lock an interest rate on the day the mortgage rates have reached their lowest point in a year is like trying to get a royal flush in poker. It happens, but it’s not a realistic goal. It just means you were lucky. Just stick to your home financing goals and consider the big picture, and you’ll be fine.
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The present home loan interest rates continue to generate much discussion and excitement among professionals involved in the real estate industry. The current low home loan interest rate is beneficial to real estate agents, mortgage lenders, home appraisers and inspectors, tax advisers, homeowners, and economists. Compared almost with any time in the last decades, terms for financing homes are still really good.
The first time home buyer or whoever is investigating the real estate industry will need to be fully conscious of the current home loan interest rate because a difference of just a few percentage points can make the huge dissimilarity in monthly mortgage payment.
Homeowners who are thinking about shifting to larger homes because of their growing families can also benefit from today’s market. Also, people who currently own homes can benefit in today’s market by refinancing the existing balance of their mortgage. It would be a good idea and can save money if the rate is at least a percentage point lower than the mortgage rate. The refinancing also makes it possible for the homeowner to take an advantage of the equity which they have accumulated in their home. The refinancing also could mean to cut down the overall length of a mortgage to lower current home loan interest rates, hence saving money on interest payments.
Some local newspapers and online websites such as http://www.RateDetective.com.au carry the terms of these types of contracts. A home loan buyer can also come into contact with a loan representative at his local bank. Certainly, current home loan interest rates are also easily available on the website such as http://www.RateDetective.com.au. Also, many websites present instant data for individual zip codes. Some websites offer the simple online forms to potential home loan buyer to fill out so that the home loan lenders can quote an individualized home loan rate. Looking into the last decades and present real estate situation, the current home loan interest rate is very advantageous whoever is planning to buy dream home.
If you are planning and interested to buy a home for you or your child and would like to have a look on home loan interest rate, log on to http://www.RateDetective.com.au. With Rate Detective, you will be able to evaluate multiple home loan rates from world class life insurance companies.
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Even though an economy in recession has put almost all financial dealings to a minimum, it is actually the right time to get a home loan for many reasons. If you have been planning to buy a house, then this is definitely the best time to do so with house prices at an absolute low. Secondly, home loan prices have also dropped, and if you have a regular monthly income that can easily support a loan payment, then you can actually end up saving thousands of dollars in the long run.
However, it pays to remember that even cheap home loans often turn out to be extremely costly over a long term simply because they are taken for long periods of time, and you often end up paying an amount equal to or more than the principal as interest by the time you finish off your home loan payments. Taking all steps to ensure that you get the lowest possible home loan rates can therefore end up saving you loads of money by the time you finish off paying your home loan.
Some things that will help you get the lowest home loan rates are:
A Good Credit Score: If you live in the US, then you can actually bargain for good home loan rates if you have a credit score above 680. No matter what your credit score, there is always scope for improvement, so it is advised that you actually spend some time in improving your score before applying for a home loan. The easiest way of doing this is to get your free credit report from any one of the three agencies that provide it, and correct any errors that might be present, like a wrong address, or a default that has never happened etc. Also cancel all the credit cards that you hardly use and pay all your bills on time for a month or two. Then get another free credit report and when you are sure that your score has improved as much as it can, apply for a home loan.
Try To Avail Of A Scheme: There are a number of organizations in the US like the FHA (Federal Housing Administration), VA (Veterans Administration) and the Rural Development Services that tie up with various financial institutions and banks to provide citizens with low interest home loans. Before you apply for a home loan, check out whether you are eligible for any government assisted schemes, because if you are, you can actually save thousands on fees and interest on your home loan.
Shop Around: Due to a high level of competition among lenders in the current scenario, you might find that there is a huge variation in the home loan rates offered by different lenders to the same person. Therefore, make sure that you shop around properly before finalizing a home loan. Get free quotes from as many lenders as possible and compare them. Even if the interest rates seem similar, don’t forget to check all the fees and payments applicable, because this is where a lot of unscrupulous lenders are making the big bucks. You will also find that online lenders will offer you better rates than brick and mortar ones, so give preference to one provided the firm is solid, honest and reputable.
