To some builders, a turnkey home is the bare minimum, 4 walls, a roof, and. They have everything from low deposit home loans and financial. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Sippy Downs, Sunshine Coast, Qld for First Home Buyers, Owner Occupy and property investors. Contact. As construction milestones are hit on the house build, money is released to pay the developer/builder and the borrower begins to make payments on the financing. Our services Home loans - if the bank say no we say YES new homes turn key offers budget house and land packages finance available at very low deposit house upgrades and renos constructions and design solutions Are you sick of renting and want to stop wa. Log In. Mula sa amin dito sa Pinoy Low Deposit Housing kami ay tuwang-. At WOW Homes, we believe that location is paramount. Owning your own property with our House and Land Packages in Victoria is not just a dream. 43,175 likes · 44 were here. Our unique process allows a zero deposit purchase of a new home. ASHLEY 26 | Lot 1020 Ackland Way Wyee. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in North Lakes, Brisbane North, Qld for First Home Buyers, Owner Occupy and property investors. Footer. Whether you’re a first home buyer, have owned before or are looking to invest, we have a new home solution to suit you. We have teamed up with leading developers in some of Brisbane’s premium housing estates, including at Jimboomba, Victoria Point, and Ripley, in northern suburbs such as. . House and land packages work the same way as a regular mortgage, with an upfront deposit, borrowing from a credit provider, and an agreement to pay interest on the loan. 00, plus on top of the Qld grant we have our Built or Built Grant of up to $15,000. The loan for the purchase of. 00 for new house and land packages, townhouses, duplexes and apartments. Can I Build In A Location/Estate Of My Choice Yes you can, provided the. Sort: Most relevant. As Australia’s most respected no or low deposit specialists, we understand the drive renters feel to become homeowners. Most respected No or Low Deposit House and Land Packages in South East. We also offer no deposit home loans in other areas of Australia,. A house and land package is not only great for families, but also for investors. Speak with one our consultants today for a tailored package to suit your needs. from determining your borrowing capacity and discovering all your factual options to become a happy homeowner with our no deposit house and land packages on the gold coast! Step 1 of 3. Own Your Own Home - No Or Low Deposit House & Land Packages. These include: AMP. Our Clyde North house and land packages are available throughout the region wherever there is land available. So, you’ve decided to build your own brand-new home. Borrow 100% of the land and construction costs! No Deposit Home Loan Calculator. Are you a first home. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Wynnum, Brisbane, Qld for First Home Buyers, Owner Occupy and property investors. No Deposit First Homes has come up with a genuine “No Deposit” solution on a new home and land package. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. Owning your own property with our House and Land Packages in Victoria is not just a dream. The first step to securing your no or low deposit house and land package in Melbourne is to get pre-qualified. There are usually two steps involved in purchasing a house and land package – buying the land and then building the house. Why Rent. Utilising the Queensland First Home Owners Grant of $20,000. Rebecca bought a house and land package with just $2000 deposit. Get Pre - Qualified Today! Pre-Qualification Questionnaire . Our experts work with you every step of the decision. “A build deposit with Metricon is $1500, or $1000 with our HomeSolution range,” he said. See more of No1 Property Guide - No or Low Deposit House & Land Packages on FacebookNo Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Bridgeman Downs, Brisbane, Qld for First Home Buyers, Owner Occupy and property investors. See Full List NEWS Read News See full list on homestart. For a turnkey package, the process is the same as getting a home loan for an established property. These house designs are perfect for first-home buyers who dream of an affordable house with quality fixtures. Zero Deposit Finance - Own Your Home From Just $3000. This Guarantee is not a cash payment or a deposit for a home loan. Loganholme QLD 4129, Australia. No1 Property Guide - No or Low Deposit House & Land Packages. Get Pre - Qualified Today! NO OR LOW DEPOSIT HOUSE AND LAND PACKAGESHIGHFIELDS BRIDGEMAN DOWNS Highfields Bridgeman Downs Highfields has been master planned to integrate into its surrounding well-established suburbs of Brisbane’s north-side. Once we know how much you can borrow, we can sit down and go over all your new home and land package options in North West Melbourne. Regions. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Cleveland, Brisbane, Qld for First Home Buyers, Owner Occupy and property investors. We build in a range of Victoria property ‘hotspots’ with access to world-class facilities and beautiful natural areas. Details. Can I have your attention, Please, I saw testimonies from several people talking about MR KEVIN MCCARTHYCRYPTO and I also decided to contact him and see how he. No1 Property Guide - No or Low Deposit House & Land Packages, Burleigh Heads, Queensland. Created with home buyers who don’t have a deposit in mind, all of Darren’s new home packages are designed to be affordable, yet liveable. Get into a home of your own sooner, with a home loan. First Home Guarantee. Can I Build In A Location/Estate Of My Choice Yes you can, provided the. Freedom by Metricon. . FIRST HOME BUYERS. A deposit bond is a temporary substitute for cash deposit between the signing of the contract and settlement. No Deposit Construction Loan. Loan Calculator. 00 for new house and land packages, townhouses, duplexes and apartments. 4 2 2 408 m². Partnering with the best land developers in Victoria, we have put together a fantastic range of house and land packages in popular suburbs across Melbourne’s South East to provide affordable options to suit your lifestyle and budget. Don't worry, we have found more matching house and land packages in nearby suburbs for you to check out. Build and Built specialise in brand new homes, having access into nearly every new Estate allows our team to put our clients in the best position their borrowing. Build and Built specialise in brand new homes, having access into nearly every new Estate allows our team to put our clients in the best position their borrowing capacity. Own Your Own Home - No Or Low Deposit House & Land Packages. No progress payments and no hidden costs, which helps reduce the financial burden in ways that a low deposit house and land package may not allow. HomeNo Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Nambour, Sunshine Coast, Qld for First Home Buyers, Owner Occupy and property investors. No deposit house and land packages are a simplified option if you don’t want to go through the hassle of organising a builder, house plans and council approval. Email * Phone * State * QLD; NSW; VIC; Tell us about. 33%. Thanks to his unique system, we’re able to help renters become homeowners without needing the large deposit most banks and lenders demand. It's free to get yourself assessed. com. Here, you sign a contract for the complete cost of the house and land in one package, as quoted by the builder. Lot 266 New Road, MUNNO PARA, SA 5115. Lot 5/457 Oxenford Tamborine Rd, Upper Coomera, Qld 4209. No Deposit House and Land Packages Gold CoastTo qualify today click Deposit House and La. 0403 746 675. Can I Build In A Location/Estate Of My Choice Yes you can, provided the. View our listings & use our detailed filters to find your perfect home. Learn More Current Locations We currently service Queensland, New South Wales, Victoria, South. . If you already have a low deposit, you’ll be well on your way to home ownership with a Low Deposit Saver. 1 Property Guide’s no or low deposit house and land packages are a mix of fantastic modern designs and affordability. At DreamStart Homes we specialise in offering the best house and land packages in Western Australia. Somerfield Estate, Holmview. Suburb. No1 Property Guide is able to source these blocks at an affordable rate, due to the relationships Darren Walters has built with. As mentioned, it is possible to bundle these together for simplicity’s sake. You will usually need a 10% land loan deposit and a 5% deposit for the construction loan when building your home. Own your first home. You don't need to be a first home buyer. Of course, there’s also the benefit that you won’t be paying off someone else. Land Size 160m2 - 350010m2. Zero Deposit Finance - Own Your Home From Just $3000. 4 2 2 647 m². Eligible investors could receive both the First Home Buyers Grant and a stamp duty concession. It’s a reality that we can help you to achieve. Here at No1 Property Guide, we can build our no or low deposit house and land packages throughout South East Queensland. We offer our No or Low Deposit Hervey Bay House and Land Packages. Build or Built is a fully-licensed real estate company with an established reputation in the Queensland region. Of that $650,000, $200,000 accounts for the land. This is not an exhaustive list and we are able to secure your preferred lot wherever land is available. 00, plus on top of the Qld grant we have our Built or Built Grant of up to $15,000. Specializing in no or low deposit home loans. Previous page. Finance your house and land package with a no deposit construction home loan. However, turnkey has different meanings to different builders, and many won’t include some basic features. Lot 13 Azurite Court, Jackass Flat, Vic 3556. If you have. Whether you’re looking at homes first or have already spotted a block of land, with an Ausbuild Home & Land package, it doesn’t matter what order you start your journey – we have you covered for both. 1-25 of 2755 results. House and land packages include our Premium, Essentials or Home Starter Inclusions, BASIX requirements, and standard site costs, making them perfect for first home buyers, investors, or those looking to build on. No progress payments and no hidden costs, which helps reduce the financial burden in ways that a low deposit house and land package may not allow. LOAD MORE. We have both No and Low Deposit House and Land Packages available. Beds. Desire Homes has House & Land Packages some of the fastest growing regions in. Developers will usually require a deposit of about 10% when you buy the land, but one of the big advantages of buying this way is that you will only pay stamp duty on the purchase of the land, not the house. “I believe the Family Home Guarantee, when combined with my no or low deposit system, is going to provide a great option for single parents around Australia. Not now. FIND OUT HOW MUCH YOU CAN BORROW! Once we know how much you can borrow. The land is bought first, and repayments begin immediately. At No1 Property Guide, we provide the best House Loan Guarantor. Ormeau QLD 4208 4 beds house for Sale, $488,500 2014011877. 00 for new house and land packages, townhouses, duplexes and apartments. Details. Green Start Property. When you build with us you get the benefit of working with a great team. Details. Bay of Plenty House and Land Packages - We have a wide and diverse range of Home & Land Packages available throughout the Bay of. Bendigo, close to the centre of Victoria, is approximately two hours drive from Melbourne. Most respected No or Low Deposit House and Land Packages in SEQ, NSW, VIC,. With our Low Deposit House and Land Packages you could be in your new home sooner than you think. Watch. Disclaimer - Hive Empire Pty Ltd (trading as finder. This means that there may be two contracts and two loans involved, although the loans may be bundled together by your lender. Buying a house in Queensland with no deposit? No worries. For the FHBG, any Guarantee of a home loan is for up to a maximum amount of 15% of the value of the property (as assessed by the Participating Lender). Home Solutions. We offer our no or low deposit house and land packages in Toowoomba and the surrounding areas. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. Build and Built specialise in brand new homes, having access into nearly every new Estate allows our team to put our clients in. Details. Of course, it’s all case-by-case, and there’s no one-size-fits-all solution. *Price based on progress payment. Related Pages. At Hallmark Homes, we offer a wide choice of highly sought after house and land packages in Brisbane and throughout South East Queensland. 2. 2. . au, ABN: 18 118 785 121) provides factual information, general advice and services on a range of financial products as a Corporate. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. Can I Buy a House in Berry Estate With No or Low Deposit? 100% Yes! We offer No Deposit House and Land packages for first home buyers. Filter Packages. Next page. Can I Build In A Location/Estate Of My Choice Yes you can, provided the. Forgot account? or. Take the first. Choose from our range of practical and well. See more of No1 Property Guide - No or Low Deposit House & Land Packages on Facebook. No or Low Deposit House and Land Packages. 00 for new house and land packages, townhouses, duplexes and apartments. We build in a range of Queensland property ‘hotspots’ which are sure to delight with their beautiful natural attractions and access to world-class facilities. Alkina, Narangba. Martin Gould. The other alternative is a ‘turnkey package’. New houses from a house & land package are the perfect way to bring your new home to life. Our low deposit strategy has now helped 400+ families to achieve homeownership with little to no savings! With our Deposit Boost and government grants, we're helping Aussies to escape the rent cycle from as little as $10,000 savings. 42,856 likes · 386 talking about this · 41 were here. . Low Deposit Solution; Get Pre-Qualified. House and land packages normally have a 2-part contract. Email or phone: Password: Forgot account? Sign Up. au No1 Property Guide - No or Low Deposit House & Land Packages, Burleigh Heads, Queensland. (FHOG) can make a significant difference to your first home loan repayments. . We offer our No or Low Deposit House and Land Packages in the below areas. NO OR LOW DEPOSIT. Build your dream! Arrange financing. Making it the perfect pick for first home buyers or those who have owned before and are on a budget. Whether you’re a first homebuyer, you’ve owned before, or you’re looking to invest into the property market, No1 Property Guide is here to help. However, turnkey has different meanings to different builders, and many won’t include some basic features. The loans can be arranged separately, but are usually bundled together. We do this using Darren Walters’ unique no or low deposit house and land packages. The second component is the loan for the. $626,100. Viewing 1-25 of 653 house and land packages. - Facebook. No or Low Deposit House & Land Packages Gold Coast. No1 Property Guide by Darren Walters are the most respected No and Low Deposit House and Land Package specialists in Australia. . Details. Depending on your borrowing capacity and other financial factors, we can look at possible options for your custom build. At Hickinbotham, we match our best home designs with sought. Any. The first component is the loan for the vacant land, which in itself is like a standard home loan. Can I Build In A Location/Estate Of My Choice Yes you can, provided the. 43,298 likes · 44 were here. This is not an exhaustive list and we are able to secure your preferred lot wherever land is available. Can I Buy a House in Glenview Estate With No or Low Deposit? 100% Yes! We offer No Deposit House and Land packages for first home buyers. These are a simple and easy route to home ownership, giving you the chance to design your home the way you’d like it. They’re also one of the best ways to get into the property market. See more of No1 Property Guide - No or Low Deposit House & Land Packages on FacebookA house and land package combines home and land loans to provide a quick and inexpensive way to find an appropriate property for your needs. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in South Brisbane, Brisbane, Qld for First Home Buyers, Owner Occupy and property investors. With low deposit loan options, you don’t need tonnes of money to get started. House and Land Packages PAKENHAM EAST. That’s why even if you don’t have a 5% deposit, it doesn’t mean you’re out of the game. Meanwhile, there are two separate components and different financing for standard house-and-lot packages. We build in a range of Queensland property ‘hotspots’ which are sure to delight with. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Goodna, Brisbane, Qld for First Home Buyers, Owner Occupy and property investors. Location. . HomeStart can lend up to 98% of the value of the house and land package to those who are eligible. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Loganholme, Brisbane, Qld for First Home Buyers, Owner Occupy and property investors. 5. FIRST HOME, No Problem. No Deposit, Zero Deposit, Low Deposit House and land Packages, Townhouses and Duplexes in Beerwah, Sunshine Coast, Qld for First Home Buyers, Owner Occupy and property investors. Any. 1-25 of 3828 results. REAL PEOPLE / REAL RESULTSBECOME A HOMEOWNER WITH DARREN WALTERS NEW HOME BUYER BOOST!Thousands of Renters have become Homeowners with the help of Darren’s N. Your dream home is closer than you think with Desire Homes House & Land Advantage+. A pre-built home by a trusted builder would let you get an idea of what their work is like, and what you can expect if you go with them. FIRST HOME BUYERS. Can I have your attention, Please, I saw testimonies from several people talking about MR KEVIN MCCARTHYCRYPTO and I also decided to contact him and see how he operates, It was so With a range of standard, low or no deposit home loan options on house and land packages, Home Group is the one-stop-shop for all new home buyers. No or Low Deposit House & Land Packages Gold Coast Escaping the rental nightmare on the Gold Coast is possible thanks to Darren Walters’ no or low deposit house and land packages. #New Homes & Units #No & Low Deposit Homes & Units #No & Low Deposit House & Land Packages #houses for sale nsw #house and land packages sydneyAt No1 Property Guide, we specialise in no or low deposit house and land packages. No or Low Deposit House and Land Packages Brisbane. Loca. There are usually two steps involved in purchasing a house and land package – buying the land and then building the house. Over 40 large, premium house designs, and house & land packages available all over Perth. When it comes to our low deposit house and land packages, finding the right loan for you can be simple with our in-house experts at Resolve Finance. SELECT ESTATES ONLY. Previously known as. FREE ASSESSMENT | UNDERSTAND YOUR OPTIONS | APPROVALBUILD YOUR BRAND-NEW HOMEKrystal & Ryan and their 3 kids followed this exact system and this week they re. First, you need a land loan to finance your vacant block of land. Looking to buy your first home? No1 Property Guide can help with a new build. Find out how much you can borrow. Many banks offer deposit bonds to simplify your purchase. Ormeau QLD 4208 4 beds house for Sale, $488,500 2014011877. 2312 Campi Lane, Clyde North, Vic 3978. Sale >. Based on a $350k house and land package, the minimum earning requirement is $60,000 PA. Eligibility criteria. Getting a new home for zero down or even with only a $1000 deposit might sound too good to be true, but it’s not. #career #opportunity #goldcoast #queenslandIn New Zealand, most first-home buyers require a minimum 20% deposit, but because house-and-land package new builds are exempt from the Reserve Bank’s LVR (loan-to-value) restrictions, you can buy a brand-new home with a lower deposit (10%) than you would need for a pre-existing house at the same price. No or Low Deposit House and Land Packages Toowoomba. . 4 2 2 347 m². Richard Janevski. Bedrooms 3 4 5+. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. Why Rent. com. Online Platinum Store. Home-and-land packages with generous government grants and benefits can seem very appealing to first home buyers. Real Estate Service. . Contact Us. Signing the contract. Which is why our no or low deposit house and land packages in Townsville are the best way to escape the rental nightmare once and for all. YOU CAN get pre- qualified today! Do you dream of owning your own home in 2020? Act now and make your dream becomes a reality. 3 2 2 641 m². YOUR FIRST STEP. Log In. Find a Developer. Lot 122 Sunflower Street, Woongarrah, NSW 2259. Titles Issued. Must meet mortgage lenders’ criteria including eligibility for a Graduate Loan. Weeks Homes are SA's most exciting home builders with a stunning range of House and Land Packages ready for you to enjoy. House and land packages include the land that you're looking to build on, as well as the house that you have chosen to build with your developer of choice. 00 for new house and land packages, townhouses, duplexes and apartments. Use this no deposit mortgage calculator to see whether you're eligible to use a guarantor, a gift from your parents, or if you qualify for a 95% home loan. ormeau, Norwell Map. Display homes can seem like a great idea when you begin your journey to homeownership. Utilising the Queensland First Home Owners Grant of $20,000. Utilising the Queensland First Home Owners Grant of $20,000. No or Low Deposit House and Land Packages | No1 Property Guide. . . Capitalise the LMI. Real Estate Company. We offer house and land packages, townhouses, duplexes, apartments and dual income properties all with our no deposit, zero deposit or low deposit option. In this article, we’ll go over exactly how much deposit you will need to get an investment property. Darren’s No or Low Deposit New Home System The best option if you want to get into the market without a house deposit is to contact Darren Walters and the No1 Property Guide team. Book and visit our display home today. Described as a perfectly positioned sanctuary, offering. The first component is the loan for the vacant land, which in itself is like a standard home loan. The negatives of no deposit home loans. The 100% finance is pretty much just tying a different asset or a "guarantor" into the thing, so if the loan doesn't get paid, then the lender attacks both assets (the 100% house and the other guarantee). Low & No Deposit Home Loans. All of our no or low deposit house and land packages are 100% full turnkey. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. Get out of the rental market NOW. Information. Areas We Build In. AVAILABLE TO ELIGIBLE FIRST HOME BUYERS. From spacious and modern three-bedroom, two-bathroom homes with all the inclusions, to architecturally designed two-bedroom one-bathroom townhouses and apartments, our affordable house and land packages are available to suit your lifestyle needs and wants, now and for many years to come. 00, plus on top of the Qld grant we have our Built or Built Grant of up to $15,000. No or Low Deposit House and Land Packages Sunshine Coast. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. We offer hundreds of house and land packages for sale in Melbourne that have been tailored to suit all budgets and needs. Low Deposit Homes offers house and land packages and completed new homes that you can move into within 30 days. Create new account. Depending on whether you purchase a turnkey package or a standard house and land package, you’ll probably need either a normal home loan or a land loan and construction loan. 33%. You can organise finance after getting a quote from your builder, that way you’ll know how much cash you’ll need. Must meet mortgage lenders’ criteria including eligibility for a Graduate Loan. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. You can organise finance after getting a quote from your builder, that way you’ll know how much cash you’ll need. Conveniently including our Diamond, Sapphire or Advantage Collections and ideal for. Explore our stylish House and Land Packages across NSW with Estates in Sydney, North West Sydney, South West Sydney, Newcastle, Hunter Valley, Central Coast and Illawarra, and be inspired by homes that dreams are made of. Any. Regions. Home Size: Total Area: 238. We can sit down and go over all your new home and land package options. Call Today!There are a range of lenders that offer loans for vacant land. Take the hassle out of finding the perfect home and let us help you into one of the many House & Land Packages we have access to at Pinoy Low Deposit Housing. Whether you’re a first home buyer, you’ve owned before, or you’re looking to invest into the property market, No1 Property Guide is here to help with one of our house and land packages. As for the deposit, it’s similar to financing turnkey packages. Create new account. With Build Assist, we're providing our $10,000 deposit boost plus+ $5,000 in rental assistance on select house and land packages!Career opportunity at No1 Property Guide. To find out more information and discuss if you could secure a Boutique Homes house and land package with a low deposit home loan, contact our team at Resolve Finance on (03) 9674 4500 today. WHAT’S STOPPING YOU?? No or Low Deposit House and Land Packages Congratulations to Ben, he received the keys to his brand new home last week. Can I Buy A House With No Or Low Deposit?House & Land Packages. Metricon has a large range of quality and affordable House & Land packages across popular areas of South East Queensland. Suburb. You also need a deposit that’s at least 5% of the purchase price of the. Alex McLean. There is no such thing as a “No deposit home loan”, but for first home buyers we have a zero deposit option. Say good bye to renting & we hope you love your new. 00 for new house and land packages, townhouses, duplexes and apartments. Utilising the Queensland First Home Owners Grant of $20,000. New house and land packages for sale in Brisbane - Southern Region, QLD. The Sunshine Coast is home to stunning beaches, shopping centres and entertainment. Buy Land with a Low Deposit for a Limited Time Plus, for a limited time only, we’re offering an unbelievable $15,000 deposit and $15,000 rebate on selected properties from our land exclusively at. Meaning we can offer incredible no or low deposit house and land packages throughout the Gold Coast, Sunshine Coast, and even North and South Brisbane! And the best part of all is that these amazing homes are available for first home buyers, those who’ve owned before and investors alike! At No1 Property Guide, we don’t pre-judge your situation. Green Start Property. Award Winning. Real Estate Service. At Carlisle, we are the experts in house and land, working daily with leading land developers to bring you the best house and land packages across Melbourne. With Plunkett Homes able to service locations across both metro and regional WA, investors can choose an address where rental demand is high and supply is low. A house and land package allows a buyer to secure a block of land and the construction of a new home in a single, streamlined process. Borrow 100% of the land and construction costs! No Deposit Home Loan Calculator. Along with the convenience, house and land packages are also generally more affordable than buying an existing home. A no or low deposit home on the Sunshine Coast opens you up to one of the best lifestyles available. LOAD MORE. Living in your own property with our House and Land Packages in New South Wales is a dream for so many young families and new homeowners. CONDITIONS AND ELIGIBILITY CRITERIA APPLY. They have access to low deposit loans for house and land packages, with some that use your First Home Owners Grant or other gifted funds. With a deposit from as little as $7000, we can offer our house and land packages with custom additions such as ducted air conditioning to swimming pools. There are multiple builders in Perth that have home and land packages, but none of them measure up to DreamStart Homes. A 5% deposit is just £12,500.