A1. The site is located at Tema-Community 25 (Dawhenya). From the end of the Tema-Motorway, drive 10 minutes east on the Aflao road, then turn right onto Harrison Salt Road. Drive 3 minutes to the site. Please see the area map under our LOCATION section for more detail.

A2. Yes, there are several mortgage lenders that are active in Ghana. We have a relationship with Stanbic Bank and Ghana Home Loans Ltd to make the mortgage process as convenient as possible for you. You can also use your own bank if preferred. Royal Estates Group does not provide financing but we will provide required documentation to assist you in procuring financing from your lender of choice. For a detailed list of the type of information your bank, or our preferred lenders, will usually require to assess and approve a mortgage, please click HERE.

A3. Royal Estates Group consists of professionals (Engineers, Developers & Investors) with many years of experience in the United States, dedicated to development projects. Royal Estates Group doesn't just build a dream home to meet our client's demands, but we also develop a relationship that lasts after the houses are completed. We understand the difficulty in raising funds for each property so we make sure that our clients get more home for their money. Building homes is our passion, our work ethic is unmatched and we strive to earn our client's trust. Our homes are well designed and are part of an overall community that is structured to improve the quality of life of our clients.

A4. Yes. There are six Model Homes currently under construction at Royal Palm Estates! These models are at various levels of construction but all should be completed in the late Spring of 2010. Several models are now under roof and are available for tours during construction, by appointment.

A5. Royal Palm Estates provides many standard features that we see as a necessity. We also believe in providing a fully completed home that is ready for occupancy the day the buyer finalizes their purchase. Many of our standard features are optional features for other developers. We offer energy saving standard features like ventilated attic spaces and the provision of R-13 roof insulation. Standard Low-E double pane windows to reduce heat transmission into the occupied space makes our homes more energy efficient than our competitors. Pre-wiring for telephone and TV outlets and a state of the art electronic security system in each house are also items not offered by many competitors without additional cost. Each house will be connected to the main gatehouse with an intercom system so that visitors can be screened and announced to our residents, before they are granted entrance into the community. Neighborhood Security, Landscaping, Trash/ Garbage removal, General grounds-keeping and maintenance services will be performed under the direction of the Home Owners Association (HOA). These among others makes Royal Palm Estates "Simply Better"

A6. Royal Estates Group is committed to providing the best available products to complete each house. The average delivery period is 10 to 12 months depending on the terms of payment and the type of house. For cash payment, homes will be completed in less than nine months.

A7. Royal Palm Estates is a gated community. All houses are provided with the following utilities:

1. Electricity
2. Water
3. Wiring for T.V., Telephone and High Speed Internet
4. Tarred Roads
5. Concrete walkways
6. Underground gutters
7. And many more.

The community also has space allocated for a Future Club House, Leisure Pool and Commercial/business center.

A8. For more information on the buying steps and financing, please refer to the “How To Buy” section of our website.

To get started you need to complete our purchase application either online or print it out and complete it then mail it to us.

There are two ways to pay for a Royal Estate

1. Mortgage Loan
   1. Royal Estates Group will issue an offer letter
   2. Applicant will pay the required 25% deposit and obtain a mortgage application from your mortgage institution or one of our preferred lenders- Royal Estates will assist in the process but Royal Estates Group does Not provide financing.
   3. After processing and/or approval and completion of construction, the mortgage institution will make the required payment of the balance owed on applicants behalf and grant you occupation and possession after the required mortgage documents have been executed.
      
      
2. Cash Payment by installment
   1. Purchaser pays 25% deposit of the total cost of the house before allocation and commencement of the construction period.
   2. Purchaser shall pay 20% when Ground floor lintel level is reached.
   3. Purchaser shall pay 30% when roofing is installed.
   4. Purchaser shall pay 25% when construction is completed.
   5. The purchaser shall take possession and occupation upon final payment of the house.
      
      

In either type of payment, Purchaser should also budget an estimated additional fee of 5% of the total price of the house to cover closing costs such as the preparation and execution of the Deed and eventual Registration of the Deed Conveyance/Titling, Utility meter deposits, Attorney fees etc.

A9. Royal Estates Group will be committed when 25% of the purchase price of the house is deposited. A sales agreement shall be executed between Royal Estates Group and the Purchaser, Royal Estates Group shall execute a Deed of Conveyance with the purchaser upon receipt of the full payment of the house. Purchaser should also budget an estimated additional fee of 5% of the total price of the house to cover closing costs such as the preparation and execution of the Deed and eventual Registration of the Deed Conveyance/Titling, Utility meter deposits, Attorney fees etc.

For more information on the buying steps and financing, please refer to the “How To Buy” section of our website.

A10. Construction of the gatehouse, the entire perimeter fence wall and six new model homes has already begun; We are now accepting applications for new homes in Phase 1 of the community that will be ready for occupancy in 2010. Electrical service to the community has been installed and the water main is currently being installed.

A11. . Royal Estates Groups' office is conveniently located in Sakumono-Tema, on the third floor of the PS Global building, near TGI Fridays and opposite the MP's flats

A12. Kotoka International Airport (20 miles), Tema Golf Course (3 miles), Campus of the Central University (7 miles), The beaches at Pram Pram (4 miles), Headquarters of the National Institute of Journalism (under construction) opposite our site, The future training complex for the National Black Stars soccer team, and The proposed National Airport are some of the key places of interest closer to the site.

A13. The plot size for each home is approximately 80 ft x 100 ft. Some plots may be slightly larger or smaller depending on the house model type being built. Please see the site plan for more detail about the available plot sizes and shapes.

A14. . In order to provide the highest attention to detail and quality in our planned communities, Royal Estates Group does not provide this service at this time.

A15.Each plot in Royal Palm Estates is governed by a Homeowners Association (HOA). The association has rules and regulations that are designed to help preserve the integrity and value of each home in the community. The HOA is initially controlled by Royal Estates Group but as more homes are purchased within the community, the HOA will be governed by a board of directors that is elected by majority vote of the homeowners.

A16.The HOA is a legal entity that is established under the laws of Ghana and each homeowner must agree to abide by the published rules established by the HOA before they can purchase a home in Royal Palm Estates. The HOA will ultimately be governed by members of the community that share a common interest in keeping the property values maintained. There are provisions in the HOA charter for plot owners to apply for and receive waivers and modifications of the rules for their specific project based on the discretion of the Board of Directors and Officers of the HOA.

A17.The HOA has rules that are designed to limit or prevent certain activities within the community. For example there are rules that prevent the raising of livestock within Royal Palm Estates and rules defining the upkeep of common areas such as streets and trash removal. There are also regulations regarding additions and alterations made to the exterior of each home to make sure changes are done in a manner that is consistent with the original buildings and that ensure that alterations are finished within predefined timeframes. These regulations are designed to prevent an unsightly construction project from extending on for years without being finished. Each prospective purchaser is given a copy of the complete set of community guidelines that is included with their purchase agreement package before they commit to buy a home in Royal Palm Estates.

A18.Royal Palm Estates is a planned community that offers many amenities that are not available to land owners that own a single isolated lot. By establishing a HOA, each owner gets the benefit of the amenities at a shared cost that is much lower than could be achieved on their own. For example, a gated and staffed security entrance with telephone intercom to each home to control access to the community can offer more peace of mind. Trash removal services and care of the streets and sidewalk landscaping are other benefits to each resident. Provision for a community recreational center and pool has been made if the majority of homeowners want to establish it in the future.

A19.Appliances are not included in the base price of each home. We have found that many of our customers prefer different features in their Ovens, Ranges, Refrigerators,Dishwashers, Clothes Washer and Dryers. Our layouts have been designed to accomodate standard sizes for these appliances. We can provide them at additional cost if you prefer to have them installed by us during the construction of your home. Unlike most other builders in Ghana, our houses already include Kitchen Cabinets and Countertops as well as complete plumbing fixtures such as sinks, toilets, tubs, and faucets. In addition, we include electrical lighting fixtures in each house so you can just add your own appliances and you are ready to move in !