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'''Configural frequency analysis (CFA)''' is a method of [[exploratory data analysis]], introduced by [[Gustav A. Lienert]] in 1969.<ref>{{cite book |last=Lienert |first=G. A. |year=1969 |chapter=Die Konfigurationsfrequenzanalyse als Klassifikationsmethode in der klinischen Psychologie |trans_chapter=Configural frequency analysis as a classification method in clinical psychology |editor-last=Irle |editor-first=M. |title=Bericht über den 26. Kongress der Deutschen Gesellschaft für Psychologie in Tübingen 1968 |pages=244–253 |location=Göttingen |publisher=Hogrefe }}</ref> The goal of a configural frequency analysis is to detect patterns in the data that occur [[Statistical significance|significantly]] more (such patterns are called ''Types'') or significantly less often (such patterns are called ''Antitypes'') than expected by chance.  Thus, the idea of a CFA is to provide by the identified types and antitypes some insight into the structure of the data. Types are interpreted as concepts which are constituted by a pattern of variable values. Antitypes are interpreted as patterns of variable values that do in general not occur together.


==Basic idea of the CFA algorithm==
We explain the basic idea of CFA by a simple example. Assume that we have a data set that describes for each of ''n'' patients if they show certain symptoms ''s''<sub>1</sub>, ..., ''s''<sub>''m''</sub>. We assume for simplicity that a symptom is shown or not, i.e. we have a dichotomous data set.


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Each record in the data set is thus an ''m''-tuple (''x''<sub>1</sub>, ..., ''x''<sub>''m''</sub>) where each ''x''<sub>''i''</sub> is either equal to 0 (patient does not show symptom&nbsp;''i'') or 1 (patient does show symptom&nbsp;''i'').
Each such ''m''-tuple is called a ''configuration''. Let ''C'' be the set of all possible configurations, i.e. the set of all possible ''m''-tuples on {0,1}<sup>''m''</sup>. The data set can thus be described by listing the observed frequencies ''f''(''c'') of all possible configurations in ''C''.
 
The basic idea of CFA is to estimate the frequency of each configuration under the assumption that the ''m'' symptoms are [[statistically independent]]. Let ''e''(''c'') be this estimated frequency under the assumption of independence.
 
Let ''p''<sub>''i''</sub>(1) be the probability that a member of the investigated population shows symptom ''s<sub>i</sub>'' and ''p''<sub>''i''</sub>(0) be the probability that a member of the investigated population does not show symptom ''s<sub>i</sub>''. Under the assumption that all symptoms are independent we can calculate the expected relative frequency of a configuration ''c'' = (''c''<sub>1</sub> , ..., ''c''<sub>''m''</sub>) by:
 
: <math> e(c) = n \prod_{i=1}^m p_i(c_i) . </math>
 
Now ''f''(''c'') and ''e''(''c'') can be compared by a statistical test (typical tests applied in CFA are [[Pearson's chi-squared test]], the [[binomial test]] or the hypergeometric test of Lehmacher).
 
If the statistical test suggests for a given <math>\alpha</math>-level that the difference between ''f''(''c'') and ''e''(''c'') is significant then ''c'' is called a ''type'' if ''f''(''c'') > ''e''(''c'') and is called an antitype if ''f''(''c'') < ''e''(''c'').
If there is no significant difference between ''f''(''c'') and ''e''(''c''), then ''c'' is neither a type nor an antitype. Thus, each configuration ''c'' can have in principle three different states. It can be a type, an antitype, or not classified.
 
Types and antitypes are defined symmetrically. But in practical applications researchers are mainly interested to detect types. For example, clinical studies are typically interested to detect symptom combinations that are indicators for a disease. These are by definition symptom combinations which occur more often than expected by chance, i.e. types.
 
==Control of the alpha level==
 
Since in CFA a significance test is applied in parallel for each configuration ''c'' there is a high risk to commit a type I error (i.e. to detect a type or antitype when the null hypothesis is true). The currently most popular method to control this is to use the [[Bonferroni correction]] for the ''α''-level.<ref name="KrauthLienert1973">{{cite book |last=Krauth |first=J. |last2=Lienert |first2=G. A. |year=1973 |title=KFA. Die Konfigurationsfrequenzanalyse und ihre Anwendungen in Psychologie und Medizin |trans_title=CFA. Configural frequency analysis and its application in psychology and medicine |location=Freiburg |publisher=Alber |isbn= }}</ref> There are a number of alternative methods to control the ''α''-level. One alternative, the [[Holm–Bonferroni method]] introduced by [[Sture Holm]], considers the number of tests already finished when the ''i''th test is performed.<ref>{{cite journal |last=Holm |first=S. |year=1979 |title=A simple sequential rejective multiple test procedure |journal=[[Scandinavian Journal of Statistics]] |volume=6 |issue=2 |pages=65–70 |doi= |jstor=4615733 }}</ref> Thus, in this method the alpha–level is not constant for all tests.
 
==Algorithm in the non-dichotomous case==
 
In our example above we assumed for simplicity that the symptoms are dichotomous. This is however not a necessary restriction. CFA can also be applied for symptoms (or more general attributes of an object) that are not dichotomous but have a finite number of degrees. In this case a configuration is an element of ''C = S<sub>1</sub> x ... x S<sub>m</sub>'', where ''S<sub>i</sub>'' is the set of the possible degrees for symptom ''s<sub>i</sub>''.<ref name="KrauthLienert1973" /><ref>{{cite book |last=von Eye |first=A. |year=1990 |title=Introduction to Configural Frequency Analysis: The search for types and antitypes in cross-classifications |location=Cambridge, UK |publisher=Cambridge University Press |isbn=0521380901 }}</ref><ref>{{cite book |last=Lautsch |first=E. |last2=Weber |first2=S. |year=1990 |title=Konfigurationsfrequenzanalyse (KFA) |location=Berlin |publisher=Volk und Wissen }}</ref><ref>{{cite book |last=Krauth |first=J. |year=1993 |title=Einführung in die Konfigurationsfrequenzanalyse (KFA) |trans_title=Introduction to Configural Frequency Analysis (CFA) |location=Weinheim |publisher=Beltz, Psychologie Verlags Union |isbn=3621271821 }}</ref>
 
==Chance model==
The assumption of the independence of the symptoms can be replaced by another method to calculate the expected frequencies ''e''(''c'') of the configurations. Such a method is called a ''chance model''.
 
In most applications of CFA the assumption that all symptoms are independent is used as the chance model. A CFA using that chance model is called ''first-order CFA''. This is the classical method of CFA that is in many publications even considered to be the only CFA method. An example of an alternative chance model is the assumption that all configurations have the same probability. A CFA using that chance model is called ''zero-order CFA''.
 
==References==
{{Reflist}}
 
==Further reading==
*{{cite journal |last=Lehmacher |first=W. |year=1981 |title=A more powerful simultaneous test procedure in configural frequency analysis |journal=Biometrical Journal |volume=23 |issue=5 |pages=429–436 |doi=10.1002/bimj.4710230503 }}
*{{cite journal |last=Schrepp |first=M. |year=2006 |title=The use of configural frequency analysis for explorative data analysis |journal=[[British Journal of Mathematical and Statistical Psychology]] |volume=59 |issue=1 |pages=59–73 |doi=10.1348/000711005X66761 }}
*{{cite journal |last=von Eye |first=A. |year=2002 |title=The odds favour antitypes – A comparison of tests for the identification of configural types and antitypes |journal=[[Methods of Psychological Research]] |volume=7 |issue=3 |pages=1–29 |url=http://aodgps.de/fachgruppen/methoden/mpr-online/issue18/art1/vonEye.pdf }}
*{{cite journal |last=von Eye |first=A. |last2=Rovine |first2=M. J. |year=1988 |title=A comparison of significance tests for Configural Frequency Analysis |journal=EDP in Medicine and Biology |volume=19 |issue= |pages=6–13 }}
*{{cite journal |last=von Eye |first=A. |last2=Spiel |first2=C. |last3=Wood |first3=P. K. |year=1996 |title=Configural frequency analysis in applied psychological research |journal=Applied Psychology: An international review |volume=45 |issue=4 |pages=301–352 |doi=10.1111/j.1464-0597.1996.tb00770.x }}
*{{cite journal |last=von Weber |first=S. |year=2000 |title=A comparison of tests used in CFA by simulation |journal=Psychologische Beiträge |volume=42 |issue=3 |pages= |doi= }}
 
[[Category:Exploratory data analysis]]

Revision as of 21:39, 25 July 2013

Configural frequency analysis (CFA) is a method of exploratory data analysis, introduced by Gustav A. Lienert in 1969.[1] The goal of a configural frequency analysis is to detect patterns in the data that occur significantly more (such patterns are called Types) or significantly less often (such patterns are called Antitypes) than expected by chance. Thus, the idea of a CFA is to provide by the identified types and antitypes some insight into the structure of the data. Types are interpreted as concepts which are constituted by a pattern of variable values. Antitypes are interpreted as patterns of variable values that do in general not occur together.

Basic idea of the CFA algorithm

We explain the basic idea of CFA by a simple example. Assume that we have a data set that describes for each of n patients if they show certain symptoms s1, ..., sm. We assume for simplicity that a symptom is shown or not, i.e. we have a dichotomous data set.

Each record in the data set is thus an m-tuple (x1, ..., xm) where each xi is either equal to 0 (patient does not show symptom i) or 1 (patient does show symptom i). Each such m-tuple is called a configuration. Let C be the set of all possible configurations, i.e. the set of all possible m-tuples on {0,1}m. The data set can thus be described by listing the observed frequencies f(c) of all possible configurations in C.

The basic idea of CFA is to estimate the frequency of each configuration under the assumption that the m symptoms are statistically independent. Let e(c) be this estimated frequency under the assumption of independence.

Let pi(1) be the probability that a member of the investigated population shows symptom si and pi(0) be the probability that a member of the investigated population does not show symptom si. Under the assumption that all symptoms are independent we can calculate the expected relative frequency of a configuration c = (c1 , ..., cm) by:

Now f(c) and e(c) can be compared by a statistical test (typical tests applied in CFA are Pearson's chi-squared test, the binomial test or the hypergeometric test of Lehmacher).

If the statistical test suggests for a given -level that the difference between f(c) and e(c) is significant then c is called a type if f(c) > e(c) and is called an antitype if f(c) < e(c). If there is no significant difference between f(c) and e(c), then c is neither a type nor an antitype. Thus, each configuration c can have in principle three different states. It can be a type, an antitype, or not classified.

Types and antitypes are defined symmetrically. But in practical applications researchers are mainly interested to detect types. For example, clinical studies are typically interested to detect symptom combinations that are indicators for a disease. These are by definition symptom combinations which occur more often than expected by chance, i.e. types.

Control of the alpha level

Since in CFA a significance test is applied in parallel for each configuration c there is a high risk to commit a type I error (i.e. to detect a type or antitype when the null hypothesis is true). The currently most popular method to control this is to use the Bonferroni correction for the α-level.[2] There are a number of alternative methods to control the α-level. One alternative, the Holm–Bonferroni method introduced by Sture Holm, considers the number of tests already finished when the ith test is performed.[3] Thus, in this method the alpha–level is not constant for all tests.

Algorithm in the non-dichotomous case

In our example above we assumed for simplicity that the symptoms are dichotomous. This is however not a necessary restriction. CFA can also be applied for symptoms (or more general attributes of an object) that are not dichotomous but have a finite number of degrees. In this case a configuration is an element of C = S1 x ... x Sm, where Si is the set of the possible degrees for symptom si.[2][4][5][6]

Chance model

The assumption of the independence of the symptoms can be replaced by another method to calculate the expected frequencies e(c) of the configurations. Such a method is called a chance model.

In most applications of CFA the assumption that all symptoms are independent is used as the chance model. A CFA using that chance model is called first-order CFA. This is the classical method of CFA that is in many publications even considered to be the only CFA method. An example of an alternative chance model is the assumption that all configurations have the same probability. A CFA using that chance model is called zero-order CFA.

References

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Further reading

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    The data offered is for normal info purposes only and isn't supposed to be personalised investment or monetary advice. Motley Fool Singapore contributor Stanley Lim would not personal shares in any corporations talked about. Singapore private home costs increased by 1.eight% within the fourth quarter of 2012, up from 0.6% within the earlier quarter. Resale prices of government-built HDB residences which are usually bought by Singaporeans, elevated by 2.5%, quarter on quarter, the quickest acquire in five quarters. And industrial property, prices are actually double the levels of three years ago. No withholding tax in the event you sell your property. All your local information regarding vital HDB policies, condominium launches, land growth, commercial property and more

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    Extending the tax exemption would help. The exemption, which may be as a lot as $2 million per family, covers individuals who negotiate a principal reduction on their existing mortgage, sell their house short (i.e., for lower than the excellent loans), or take part in a foreclosure course of. An extension of theexemption would seem like a common-sense means to assist stabilize the housing market, but the political turmoil around the fiscal-cliff negotiations means widespread sense could not win out. Home Minority Chief Nancy Pelosi (D-Calif.) believes that the mortgage relief provision will be on the table during the grand-cut price talks, in response to communications director Nadeam Elshami. Buying or promoting of blue mild bulbs is unlawful.

    A vendor's stamp duty has been launched on industrial property for the primary time, at rates ranging from 5 per cent to 15 per cent. The Authorities might be trying to reassure the market that they aren't in opposition to foreigners and PRs investing in Singapore's property market. They imposed these measures because of extenuating components available in the market." The sale of new dual-key EC models will even be restricted to multi-generational households only. The models have two separate entrances, permitting grandparents, for example, to dwell separately. The vendor's stamp obligation takes effect right this moment and applies to industrial property and plots which might be offered inside three years of the date of buy. JLL named Best Performing Property Brand for second year running

    The data offered is for normal info purposes only and isn't supposed to be personalised investment or monetary advice. Motley Fool Singapore contributor Stanley Lim would not personal shares in any corporations talked about. Singapore private home costs increased by 1.eight% within the fourth quarter of 2012, up from 0.6% within the earlier quarter. Resale prices of government-built HDB residences which are usually bought by Singaporeans, elevated by 2.5%, quarter on quarter, the quickest acquire in five quarters. And industrial property, prices are actually double the levels of three years ago. No withholding tax in the event you sell your property. All your local information regarding vital HDB policies, condominium launches, land growth, commercial property and more

    There are various methods to go about discovering the precise property. Some local newspapers (together with the Straits Instances ) have categorised property sections and many local property brokers have websites. Now there are some specifics to consider when buying a 'new launch' rental. Intended use of the unit Every sale begins with 10 p.c low cost for finish of season sale; changes to 20 % discount storewide; follows by additional reduction of fiftyand ends with last discount of 70 % or extra. Typically there is even a warehouse sale or transferring out sale with huge mark-down of costs for stock clearance. Deborah Regulation from Expat Realtor shares her property market update, plus prime rental residences and houses at the moment available to lease Esparina EC @ Sengkang
  • One of the biggest reasons investing in a Singapore new launch is an effective things is as a result of it is doable to be lent massive quantities of money at very low interest rates that you should utilize to purchase it. Then, if property values continue to go up, then you'll get a really high return on funding (ROI). Simply make sure you purchase one of the higher properties, reminiscent of the ones at Fernvale the Riverbank or any Singapore landed property Get Earnings by means of Renting

    In its statement, the singapore property listing - website link, government claimed that the majority citizens buying their first residence won't be hurt by the new measures. Some concessions can even be prolonged to chose teams of consumers, similar to married couples with a minimum of one Singaporean partner who are purchasing their second property so long as they intend to promote their first residential property. Lower the LTV limit on housing loans granted by monetary establishments regulated by MAS from 70% to 60% for property purchasers who are individuals with a number of outstanding housing loans on the time of the brand new housing purchase. Singapore Property Measures - 30 August 2010 The most popular seek for the number of bedrooms in Singapore is 4, followed by 2 and three. Lush Acres EC @ Sengkang

    Discover out more about real estate funding in the area, together with info on international funding incentives and property possession. Many Singaporeans have been investing in property across the causeway in recent years, attracted by comparatively low prices. However, those who need to exit their investments quickly are likely to face significant challenges when trying to sell their property – and could finally be stuck with a property they can't sell. Career improvement programmes, in-house valuation, auctions and administrative help, venture advertising and marketing, skilled talks and traisning are continuously planned for the sales associates to help them obtain better outcomes for his or her shoppers while at Knight Frank Singapore. No change Present Rules

    Extending the tax exemption would help. The exemption, which may be as a lot as $2 million per family, covers individuals who negotiate a principal reduction on their existing mortgage, sell their house short (i.e., for lower than the excellent loans), or take part in a foreclosure course of. An extension of theexemption would seem like a common-sense means to assist stabilize the housing market, but the political turmoil around the fiscal-cliff negotiations means widespread sense could not win out. Home Minority Chief Nancy Pelosi (D-Calif.) believes that the mortgage relief provision will be on the table during the grand-cut price talks, in response to communications director Nadeam Elshami. Buying or promoting of blue mild bulbs is unlawful.

    A vendor's stamp duty has been launched on industrial property for the primary time, at rates ranging from 5 per cent to 15 per cent. The Authorities might be trying to reassure the market that they aren't in opposition to foreigners and PRs investing in Singapore's property market. They imposed these measures because of extenuating components available in the market." The sale of new dual-key EC models will even be restricted to multi-generational households only. The models have two separate entrances, permitting grandparents, for example, to dwell separately. The vendor's stamp obligation takes effect right this moment and applies to industrial property and plots which might be offered inside three years of the date of buy. JLL named Best Performing Property Brand for second year running

    The data offered is for normal info purposes only and isn't supposed to be personalised investment or monetary advice. Motley Fool Singapore contributor Stanley Lim would not personal shares in any corporations talked about. Singapore private home costs increased by 1.eight% within the fourth quarter of 2012, up from 0.6% within the earlier quarter. Resale prices of government-built HDB residences which are usually bought by Singaporeans, elevated by 2.5%, quarter on quarter, the quickest acquire in five quarters. And industrial property, prices are actually double the levels of three years ago. No withholding tax in the event you sell your property. All your local information regarding vital HDB policies, condominium launches, land growth, commercial property and more

    There are various methods to go about discovering the precise property. Some local newspapers (together with the Straits Instances ) have categorised property sections and many local property brokers have websites. Now there are some specifics to consider when buying a 'new launch' rental. Intended use of the unit Every sale begins with 10 p.c low cost for finish of season sale; changes to 20 % discount storewide; follows by additional reduction of fiftyand ends with last discount of 70 % or extra. Typically there is even a warehouse sale or transferring out sale with huge mark-down of costs for stock clearance. Deborah Regulation from Expat Realtor shares her property market update, plus prime rental residences and houses at the moment available to lease Esparina EC @ Sengkang
  • One of the biggest reasons investing in a Singapore new launch is an effective things is as a result of it is doable to be lent massive quantities of money at very low interest rates that you should utilize to purchase it. Then, if property values continue to go up, then you'll get a really high return on funding (ROI). Simply make sure you purchase one of the higher properties, reminiscent of the ones at Fernvale the Riverbank or any Singapore landed property Get Earnings by means of Renting

    In its statement, the singapore property listing - website link, government claimed that the majority citizens buying their first residence won't be hurt by the new measures. Some concessions can even be prolonged to chose teams of consumers, similar to married couples with a minimum of one Singaporean partner who are purchasing their second property so long as they intend to promote their first residential property. Lower the LTV limit on housing loans granted by monetary establishments regulated by MAS from 70% to 60% for property purchasers who are individuals with a number of outstanding housing loans on the time of the brand new housing purchase. Singapore Property Measures - 30 August 2010 The most popular seek for the number of bedrooms in Singapore is 4, followed by 2 and three. Lush Acres EC @ Sengkang

    Discover out more about real estate funding in the area, together with info on international funding incentives and property possession. Many Singaporeans have been investing in property across the causeway in recent years, attracted by comparatively low prices. However, those who need to exit their investments quickly are likely to face significant challenges when trying to sell their property – and could finally be stuck with a property they can't sell. Career improvement programmes, in-house valuation, auctions and administrative help, venture advertising and marketing, skilled talks and traisning are continuously planned for the sales associates to help them obtain better outcomes for his or her shoppers while at Knight Frank Singapore. No change Present Rules

    Extending the tax exemption would help. The exemption, which may be as a lot as $2 million per family, covers individuals who negotiate a principal reduction on their existing mortgage, sell their house short (i.e., for lower than the excellent loans), or take part in a foreclosure course of. An extension of theexemption would seem like a common-sense means to assist stabilize the housing market, but the political turmoil around the fiscal-cliff negotiations means widespread sense could not win out. Home Minority Chief Nancy Pelosi (D-Calif.) believes that the mortgage relief provision will be on the table during the grand-cut price talks, in response to communications director Nadeam Elshami. Buying or promoting of blue mild bulbs is unlawful.

    A vendor's stamp duty has been launched on industrial property for the primary time, at rates ranging from 5 per cent to 15 per cent. The Authorities might be trying to reassure the market that they aren't in opposition to foreigners and PRs investing in Singapore's property market. They imposed these measures because of extenuating components available in the market." The sale of new dual-key EC models will even be restricted to multi-generational households only. The models have two separate entrances, permitting grandparents, for example, to dwell separately. The vendor's stamp obligation takes effect right this moment and applies to industrial property and plots which might be offered inside three years of the date of buy. JLL named Best Performing Property Brand for second year running

    The data offered is for normal info purposes only and isn't supposed to be personalised investment or monetary advice. Motley Fool Singapore contributor Stanley Lim would not personal shares in any corporations talked about. Singapore private home costs increased by 1.eight% within the fourth quarter of 2012, up from 0.6% within the earlier quarter. Resale prices of government-built HDB residences which are usually bought by Singaporeans, elevated by 2.5%, quarter on quarter, the quickest acquire in five quarters. And industrial property, prices are actually double the levels of three years ago. No withholding tax in the event you sell your property. All your local information regarding vital HDB policies, condominium launches, land growth, commercial property and more

    There are various methods to go about discovering the precise property. Some local newspapers (together with the Straits Instances ) have categorised property sections and many local property brokers have websites. Now there are some specifics to consider when buying a 'new launch' rental. Intended use of the unit Every sale begins with 10 p.c low cost for finish of season sale; changes to 20 % discount storewide; follows by additional reduction of fiftyand ends with last discount of 70 % or extra. Typically there is even a warehouse sale or transferring out sale with huge mark-down of costs for stock clearance. Deborah Regulation from Expat Realtor shares her property market update, plus prime rental residences and houses at the moment available to lease Esparina EC @ Sengkang
  1. 20 year-old Real Estate Agent Rusty from Saint-Paul, has hobbies and interests which includes monopoly, property developers in singapore and poker. Will soon undertake a contiki trip that may include going to the Lower Valley of the Omo.

    My blog: http://www.primaboinca.com/view_profile.php?userid=5889534
  2. 2.0 2.1 20 year-old Real Estate Agent Rusty from Saint-Paul, has hobbies and interests which includes monopoly, property developers in singapore and poker. Will soon undertake a contiki trip that may include going to the Lower Valley of the Omo.

    My blog: http://www.primaboinca.com/view_profile.php?userid=5889534
  3. One of the biggest reasons investing in a Singapore new launch is an effective things is as a result of it is doable to be lent massive quantities of money at very low interest rates that you should utilize to purchase it. Then, if property values continue to go up, then you'll get a really high return on funding (ROI). Simply make sure you purchase one of the higher properties, reminiscent of the ones at Fernvale the Riverbank or any Singapore landed property Get Earnings by means of Renting

    In its statement, the singapore property listing - website link, government claimed that the majority citizens buying their first residence won't be hurt by the new measures. Some concessions can even be prolonged to chose teams of consumers, similar to married couples with a minimum of one Singaporean partner who are purchasing their second property so long as they intend to promote their first residential property. Lower the LTV limit on housing loans granted by monetary establishments regulated by MAS from 70% to 60% for property purchasers who are individuals with a number of outstanding housing loans on the time of the brand new housing purchase. Singapore Property Measures - 30 August 2010 The most popular seek for the number of bedrooms in Singapore is 4, followed by 2 and three. Lush Acres EC @ Sengkang

    Discover out more about real estate funding in the area, together with info on international funding incentives and property possession. Many Singaporeans have been investing in property across the causeway in recent years, attracted by comparatively low prices. However, those who need to exit their investments quickly are likely to face significant challenges when trying to sell their property – and could finally be stuck with a property they can't sell. Career improvement programmes, in-house valuation, auctions and administrative help, venture advertising and marketing, skilled talks and traisning are continuously planned for the sales associates to help them obtain better outcomes for his or her shoppers while at Knight Frank Singapore. No change Present Rules

    Extending the tax exemption would help. The exemption, which may be as a lot as $2 million per family, covers individuals who negotiate a principal reduction on their existing mortgage, sell their house short (i.e., for lower than the excellent loans), or take part in a foreclosure course of. An extension of theexemption would seem like a common-sense means to assist stabilize the housing market, but the political turmoil around the fiscal-cliff negotiations means widespread sense could not win out. Home Minority Chief Nancy Pelosi (D-Calif.) believes that the mortgage relief provision will be on the table during the grand-cut price talks, in response to communications director Nadeam Elshami. Buying or promoting of blue mild bulbs is unlawful.

    A vendor's stamp duty has been launched on industrial property for the primary time, at rates ranging from 5 per cent to 15 per cent. The Authorities might be trying to reassure the market that they aren't in opposition to foreigners and PRs investing in Singapore's property market. They imposed these measures because of extenuating components available in the market." The sale of new dual-key EC models will even be restricted to multi-generational households only. The models have two separate entrances, permitting grandparents, for example, to dwell separately. The vendor's stamp obligation takes effect right this moment and applies to industrial property and plots which might be offered inside three years of the date of buy. JLL named Best Performing Property Brand for second year running

    The data offered is for normal info purposes only and isn't supposed to be personalised investment or monetary advice. Motley Fool Singapore contributor Stanley Lim would not personal shares in any corporations talked about. Singapore private home costs increased by 1.eight% within the fourth quarter of 2012, up from 0.6% within the earlier quarter. Resale prices of government-built HDB residences which are usually bought by Singaporeans, elevated by 2.5%, quarter on quarter, the quickest acquire in five quarters. And industrial property, prices are actually double the levels of three years ago. No withholding tax in the event you sell your property. All your local information regarding vital HDB policies, condominium launches, land growth, commercial property and more

    There are various methods to go about discovering the precise property. Some local newspapers (together with the Straits Instances ) have categorised property sections and many local property brokers have websites. Now there are some specifics to consider when buying a 'new launch' rental. Intended use of the unit Every sale begins with 10 p.c low cost for finish of season sale; changes to 20 % discount storewide; follows by additional reduction of fiftyand ends with last discount of 70 % or extra. Typically there is even a warehouse sale or transferring out sale with huge mark-down of costs for stock clearance. Deborah Regulation from Expat Realtor shares her property market update, plus prime rental residences and houses at the moment available to lease Esparina EC @ Sengkang
  4. 20 year-old Real Estate Agent Rusty from Saint-Paul, has hobbies and interests which includes monopoly, property developers in singapore and poker. Will soon undertake a contiki trip that may include going to the Lower Valley of the Omo.

    My blog: http://www.primaboinca.com/view_profile.php?userid=5889534
  5. 20 year-old Real Estate Agent Rusty from Saint-Paul, has hobbies and interests which includes monopoly, property developers in singapore and poker. Will soon undertake a contiki trip that may include going to the Lower Valley of the Omo.

    My blog: http://www.primaboinca.com/view_profile.php?userid=5889534
  6. 20 year-old Real Estate Agent Rusty from Saint-Paul, has hobbies and interests which includes monopoly, property developers in singapore and poker. Will soon undertake a contiki trip that may include going to the Lower Valley of the Omo.

    My blog: http://www.primaboinca.com/view_profile.php?userid=5889534