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In '''computer vision''', the '''bag-of-words model''' (BoW model) can be applied to [[image classification]], by treating image features as words. In document classification, a [[bag of words]] is a sparse vector of occurrence counts of words; that is, a sparse [[histogram]] over the vocabulary. In [[computer vision]], a ''bag of visual words'' is a vector of occurrence counts of a vocabulary of local image features.


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==Representation based on the BoW model==
 
===Image representation based on the BoW model===
 
To represent an image using BoW model, an image can be treated as a document. Similarly, "words" in images need to be defined too. To achieve this, it usually includes following three steps: [[Feature detection (computer vision)]], feature description and codebook generation.<ref name = "feifeicvpr2005">{{cite journal|doi=10.1109/CVPR.2005.16|chapter=A Bayesian Hierarchical Model for Learning Natural Scene Categories|title=2005 IEEE Computer Society Conference on Computer Vision and Pattern Recognition (CVPR'05)|year=2005|last1=Fei-Fei Li|last2=Perona|first2=P.|isbn=0-7695-2372-2|volume=2|pages=524}}</ref> A definition of the BoW model can be the "histogram representation based on independent features".<ref name="cvprcourse">
{{cite web
  | author = L. Fei-Fei, R. Fergus, and A. Torralba
  | title = Recognizing and Learning Object Categories, CVPR 2007 short course
  | url=http://people.csail.mit.edu/torralba/shortCourseRLOC/index.html
}}
</ref> Content based image indexing and retrieval (CBIR) appears to be the early adopter of this image representation technique.<ref>{{cite journal|doi=10.1016/S0031-3203(01)00162-5|url=http://www.cs.nott.ac.uk/~qiu/webpages/Papers/ColorPatternRecognition.pdf|pages=1675–1686|title=Indexing chromatic and achromatic patterns for content-based colour image retrieval|year=2002|last1=Qiu|first1=G.|journal=Pattern Recognition|volume=35|issue=8}}</ref>
 
====Feature representation====
After feature detection, each image is abstracted by several local patches. Feature representation methods deal with how to represent the patches as numerical vectors. These vectors are called feature descriptors. A good descriptor should have the ability to handle intensity, rotation, scale and affine variations to some extent. One of the most famous descriptors is [[Scale-invariant feature transform]] (SIFT).<ref name ="Loweiccv1999">{{Cite book
| url = http://www.cs.ubc.ca/~lowe/papers/iccv99.pdf
 
| pages = 1150–1157
| year = 1999|doi=10.1109/ICCV.2003.1238356
| chapter = Object recognition with informative features and linear classification
| title = Proceedings Ninth IEEE International Conference on Computer Vision
| last1 = Vidal-Naquet
| last2 = Ullman
| isbn = 0-7695-1950-4
}}</ref> SIFT converts each patch to 128-dimensional vector. After this step, each image is a collection of vectors of the same dimension (128 for SIFT), where the order of different vectors is of no importance.
 
====Codebook generation====
<!-- Unsourced image removed: [[Image:histogram_representation.JPG|right|thumb|Figure 4: histogram representation, a visual illustration, not real codewords.]] -->
<!-- Unsourced image removed: [[Image:example_codewords.JPG|right|thumb|Figure 5: some examples of codewords mapped back to image patches.]] -->
The final step for the BoW model is to convert vector represented patches to "codewords" (analogy to words in text documents), which also produces a "codebook" (analogy to a word dictionary). A codeword can be considered as a representative of several similar patches. One simple method is performing [[k-means clustering]] over all the vectors.<ref>{{cite journal
  | author = T. Leung and [[Jitendra Malik|J. Malik]]
  | title = Representing and recognizing the visual appearance of materials using three-dimensional textons
  | url = http://www.cs.berkeley.edu/~malik/papers/LM-3dtexton.pdf
  | journal = International Journal of Computer Vision
  | volume = 43
  | issue = 1
  | pages = 29–44
  | year = 2001
  | doi = 10.1023/A:1011126920638 }}</ref> Codewords are then defined as the centers of the learned clusters. The number of the clusters is the codebook size (analogy to the size of the word dictionary).
 
Thus, each patch in an image is mapped to a certain codeword through the clustering process and the image can be represented by the [[histogram]] of the codewords.
 
==Learning and recognition based on the BoW model==
Computer vision researchers have developed several learning methods to leverage the BoW model for image related task, such as [[object categorization]]. These methods can roughly be divided into two categories, generative and discriminative models. For multiple label categorization problem, the [[confusion matrix]] can be used as an evaluation metric.
 
===Generative models===
 
Here are some notations for this section. Suppose the size of codebook is <math>V</math>.
* <math>w</math>: each patch <math>w</math> is a V-dimensional vector that has a single component that equals to one and all other components equal to zero (For k-means clustering setting, the single component equal one indicates the cluster that <math>w</math> belongs to). The <math>v</math>th codeword in the codebook can be represented as <math>w^v=1</math> and <math>w^u = 0</math> for <math>u\neq v</math>.
 
* <math>\mathbf{w}</math>: each image is represented by <math>\mathbf{w}=[w_1, w_2, \cdots, w_N]</math>, all the patches in an image
* <math>d_j</math>: the <math>j</math>th image in an image collection
* <math>c</math>: category of the image
* <math>z</math>: theme or topic of the patch
* <math>\pi</math>: mixture proportion
 
Since the BoW model is an analogy to the BoW model in NLP, generative models developed in text domains can also be adapted in computer vision. Simple Naïve Bayes model and hierarchical Bayesian models are discussed.
 
====Naïve Bayes====
 
The simplest one is [[Naïve Bayes]] classifier.<ref name="danceeccv2004">{{cite conference
| author = G. Csurka, C. Dance, L.X. Fan, J. Willamowski, and C. Bray
| title = Visual categorization with bags of keypoints
| booktitle = Proc. of ECCV International Workshop on Statistical Learning in Computer Vision
| year=2004
| url=http://www.xrce.xerox.com/Research-Development/Publications/2004-0104/%28language%29/eng-GB
}}</ref> Using the language of [[graphical models]], the Naïve Bayes classifier is described by the equation below. The basic idea (or assumption) of this model is that each category has its own distribution over the codebooks, and that the distributions of each category are observably different. Take a face category and a car category for an example. The face category may emphasize the codewords which represent "nose", "eye" and "mouth", while the car category may emphasize the codewords which represent "wheel" and "window". Given a collection of training examples, the classifier learns different distributions for different categories. The categorization decision is made by
* <math>c^*=\arg \max_c p(c|\mathbf{w}) = \arg \max_c p(c)p(\mathbf{w}|c)=\arg \max_c p(c)\prod_{n=1}^Np(w_n|c)</math>
 
Since the Naïve Bayes classifier is simple yet effective, it is usually used as a baseline method for comparison.
 
====Hierarchical Bayesian models====
 
The basic assumption of Naïve Bayes model does not hold sometimes. For example, a natural scene image may contain several different themes.
[[Probabilistic latent semantic analysis]] (pLSA)<ref>{{cite conference
  | author = T. Hoffman
  | title =  Probabilistic Latent Semantic Analysis
  | url = http://www.cs.brown.edu/~th/papers/Hofmann-UAI99.pdf
  | booktitle = Proc. of the Fifteenth Conference on Uncertainty in Artificial Intelligence
  | year = 1999 }}</ref><ref>{{Cite book
  | doi=10.1109/ICCV.2005.77
  | title = Tenth IEEE International Conference on Computer Vision (ICCV'05) Volume 1
  | url = http://www.robots.ox.ac.uk/~vgg/publications/papers/sivic05b.pdf
  | chapter=Discovering objects and their location in images
  | year=2005
  | last1=Sivic
  | first1=J.
  | last2=Russell
  | first2=B.C.
  | last3=Efros
  | first3=A.A.
  | last4=Zisserman
  | first4=A.
  | last5=Freeman
  | first5=W.T.
  | isbn=0-7695-2334-X
  | pages=370
 
}}</ref>  and [[latent Dirichlet allocation]] (LDA)<ref name="bleijmlr2003">
{{cite journal
  | author = D. Blei, A. Ng, and M. Jordan
  | title = Latent Dirichlet allocation
  | url = http://www.cs.princeton.edu/~blei/papers/BleiNgJordan2003.pdf
  | journal = Journal of Machine Learning Research
  | volume = 3
  | pages = 993–1022
  | year = 2003
  | doi = 10.1162/jmlr.2003.3.4-5.993
  | editor1-last = Lafferty
  | editor1-first = John
  | issue = 4–5 }}</ref> are two popular topic models from text domains to tackle the similar multiple "theme" problem. Take LDA for an example. To model natural scene images using LDA, an analogy is made like this (Figure 9):
* the image category is mapped to the document category;
* the mixture proportion of themes maps the mixture proportion of topics;
* the theme index is mapped to topic index;
* the codeword is mapped to the word.
This method shows very promising results in natural scene categorization on [http://vision.stanford.edu/resources_links.html 13 Natural Scene Categories].<ref name = "feifeicvpr2005"/>
 
===Discriminative models===
 
Since images are represented based on the BoW model, any discriminative model suitable for text document categorization can be tried, such as [[support vector machine]] (SVM)<ref name="danceeccv2004"/> and [[AdaBoost]].<ref>{{Cite book
| doi=10.1109/CVPR.2005.254
| url = http://cbcl.mit.edu/projects/cbcl/publications/ps/serre-PID73457-05.pdf
| chapter=Object Recognition with Features Inspired by Visual Cortex
| title=2005 IEEE Computer Society Conference on Computer Vision and Pattern Recognition (CVPR'05)
| year=2005
| last1=Serre
| first1=T.
| last2=Wolf
| first2=L.
| last3=Poggio
| first3=T.
| isbn=0-7695-2372-2
| volume=2
| pages=994
 
}}</ref> [[Kernel trick]] is also applicable when kernel based classifier is used, such as SVM. Pyramid match kernel is newly developed one based on the BoW model. The local feature approach of using BoW model representation learnt by machine learning classifiers with different kernels (e.g., EMD-kernel and <math>X^2</math> kernel) has been vastly tested in the area of texture and object recognition.<ref name="bogkernelijcv2007">{{cite journal
| author = Jianguo Zhang, Marcin Marszałek, Svetlana Lazebnik, Cordelia Schmid
| title = Local Features and Kernels for Classification of Texture and Object Categories: a Comprehensive Study
| journal =  International Journal of Computer Vision
  | year = 2007
| volume = 73
  | issue = 2
  | pages = 213–238
| url = http://lear.inrialpes.fr/pubs/2007/ZMLS07/ZhangMarszalekLazebnikSchmid-IJCV07-ClassificationStudy.pdf
| doi = 10.1007/s11263-006-9794-4
}}</ref> Very promising results on a number of datasets have been reported.  
This approach<ref name="bogkernelijcv2007"/> has achieved very impressive result in the [http://www.pascal-network.org/challenges/VOC/ the PASCAL Visual Object Classes Challenge]
 
====Pyramid match kernel====
 
Pyramid match kernel<ref name="pyramidiccv2005">{{Cite book
| doi=10.1109/ICCV.2005.239
| url = http://www.cs.utexas.edu/~grauman/papers/grauman_darrell_iccv2005.pdf
| chapter=The pyramid match kernel: discriminative classification with sets of image features
| title=Tenth IEEE International Conference on Computer Vision (ICCV'05) Volume 1
| year=2005
| last1=Grauman
| first1=K.
| last2=Darrell
| first2=T.
| isbn=0-7695-2334-X
| pages=1458
 
}}</ref> is a fast algorithm (linear complexity instead  of classic one in quadratic complexity) kernel function (satisfying [[Mercer's condition]]) which maps the BoW features, or set of features in high dimension, to multi-dimensional multi-resolution histograms. An advantage of these multi-resolution histograms is their ability to capture co-occurring features. The pyramid match kernel builds multi-resolution histograms by binning data points into discrete regions of increasing size. Thus, points that do not match at high resolutions have the chance to match at low resolutions. The pyramid match kernel performs an approximate similarity match, without explicit search or computation of distance. Instead, it intersects the histograms to approximate the optimal match. Accordingly, the computation time is only linear in the number of features. Compared with other kernel approaches, the pyramid match kernel is much faster, yet provides equivalent accuracy. The pyramid match kernel was applied to [http://www.mis.informatik.tu-darmstadt.de/Research/Projects/categorization/eth80-db.html ETH-80 database] and [http://vision.cs.princeton.edu/resources_links.html Caltech 101 database] with promising results.<ref name="pyramidiccv2005"/><ref>{{Cite book|url=http://www.ifp.illinois.edu/~jyang29/ScSPM.htm|doi=10.1109/CVPR.2009.5206757|chapter=Linear spatial pyramid matching using sparse coding for image classification|title=2009 IEEE Conference on Computer Vision and Pattern Recognition|year=2009|last1=Jianchao Yang|last2=Kai Yu|last3=Yihong Gong|last4=Huang|first4=T.|isbn=978-1-4244-3992-8|pages=1794}}</ref>
 
==Limitations and recent developments==
 
One of notorious disadvantages of BoW is that it ignores the spatial relationships among the patches, which is very important in image representation. Researchers have proposed several methods to incorporate the spatial information. For feature level improvements, correlogram features can capture spatial co-occurrences of features.<ref>{{Cite book
  |doi=10.1109/CVPR.2006.102| url = http://johnwinn.org/Publications/papers/Savarese_Winn_Criminisi_Correlatons_CVPR2006.pdf
  | year = 2006
  |chapter=Discriminative Object Class Models of Appearance and Shape by Correlatons
  |title=2006 IEEE Computer Society Conference on Computer Vision and Pattern Recognition - Volume 2 (CVPR'06)
  |last1=Savarese
  |first1=S.
  |last2=Winn
  |first2=J.
  |last3=Criminisi
  |first3=A.
  |isbn=0-7695-2597-0
  |volume=2
  |pages=2033
}}</ref> For generative models, relative positions<ref>{{Cite book|doi=10.1109/ICCV.2005.137
  | url = http://ssg.mit.edu/~esuddert/papers/iccv05.pdf|chapter=Learning hierarchical models of scenes, objects, and parts|title=Tenth IEEE International Conference on Computer Vision (ICCV'05) Volume 1|year=2005|last1=Sudderth|first1=E.B.|last2=Torralba|first2=A.|last3=Freeman|first3=W.T.|last4=Willsky|first4=A.S.|isbn=0-7695-2334-X|pages=1331
  }}</ref><ref>{{cite conference
  | author = E. Sudderth, A. Torralba, W. Freeman, and A. Willsky
  | title =  Describing Visual Scenes using Transformed Dirichlet Processes
  | url = http://ssg.mit.edu/~esuddert/papers/nips05.pdf
  | booktitle = Proc. of Neural Information Processing Systems
  | year = 2005 }}</ref> of codewords are also taken into account. The hierarchical shape and appearance model for human action<ref>{{Cite book|doi=10.1109/CVPR.2007.383132|url=http://vision.stanford.edu/posters/NieblesFeiFei_CVPR07_poster.pdf
  | year = 2007|chapter=A Hierarchical Model of Shape and Appearance for Human Action Classification|title=2007 IEEE Conference on Computer Vision and Pattern Recognition|last1=Niebles|first1=Juan Carlos|last2=Li Fei-Fei|isbn=1-4244-1179-3|pages=1 }}</ref> introduces a new part layer ([[Constellation model]]) between the mixture proportion and the BoW features, which captures the spatial relationships among parts in the layer. For discriminative models, spatial pyramid match<ref>{{Cite book|doi=10.1109/CVPR.2006.68
    | url = http://www-cvr.ai.uiuc.edu/ponce_grp/publication/paper/cvpr06b.pdf
  | year = 2006|chapter=Beyond Bags of Features: Spatial Pyramid Matching for Recognizing Natural Scene Categories|title=2006 IEEE Computer Society Conference on Computer Vision and Pattern Recognition - Volume 2 (CVPR'06)|last1=Lazebnik|first1=S.|last2=Schmid|first2=C.|last3=Ponce|first3=J.|isbn=0-7695-2597-0|volume=2|pages=2169 }}</ref> performs pyramid matching by partitioning the image into increasingly fine sub-regions and compute histograms of local features inside each sub-region.
 
Furthermore, the BoW model has not been extensively tested yet for view point invariance and scale invariance, and the performance is unclear. Also the BoW model for object segmentation and localization is not well understood.<ref name="cvprcourse"/>
 
==See also==
 
* [[Part-based models]]
* [[Segmentation-based object categorization]]
* [[Vector space model]]
* [[ Bag-of-words model]]
* [[Feature extraction]]
 
==References==
 
{{reflist}}
 
==External links==
 
* [http://people.csail.mit.edu/fergus/iccv2005/bagwords.html A demo for two bag-of-words classifiers] by L. Fei-Fei, R. Fergus, and A. Torralba.
* [http://www.vision.caltech.edu/malaa/software/research/image-search/ Caltech Large Scale Image Search Toolbox]: a Matlab/C++ toolbox implementing Inverted File search for Bag of Words model. It also contains implementations for fast approximate nearest neighbor search using randomized [[k-d tree]], [[locality-sensitive hashing]], and [[hierarchical k-means]].
 
 
{{DEFAULTSORT:Bag Of Words Model In Computer Vision}}
[[Category:Object recognition and categorization]]
 
[[it:Modello della borsa di parole]]

Revision as of 23:08, 26 December 2013

In computer vision, the bag-of-words model (BoW model) can be applied to image classification, by treating image features as words. In document classification, a bag of words is a sparse vector of occurrence counts of words; that is, a sparse histogram over the vocabulary. In computer vision, a bag of visual words is a vector of occurrence counts of a vocabulary of local image features.

Representation based on the BoW model

Image representation based on the BoW model

To represent an image using BoW model, an image can be treated as a document. Similarly, "words" in images need to be defined too. To achieve this, it usually includes following three steps: Feature detection (computer vision), feature description and codebook generation.[1] A definition of the BoW model can be the "histogram representation based on independent features".[2] Content based image indexing and retrieval (CBIR) appears to be the early adopter of this image representation technique.[3]

Feature representation

After feature detection, each image is abstracted by several local patches. Feature representation methods deal with how to represent the patches as numerical vectors. These vectors are called feature descriptors. A good descriptor should have the ability to handle intensity, rotation, scale and affine variations to some extent. One of the most famous descriptors is Scale-invariant feature transform (SIFT).[4] SIFT converts each patch to 128-dimensional vector. After this step, each image is a collection of vectors of the same dimension (128 for SIFT), where the order of different vectors is of no importance.

Codebook generation

The final step for the BoW model is to convert vector represented patches to "codewords" (analogy to words in text documents), which also produces a "codebook" (analogy to a word dictionary). A codeword can be considered as a representative of several similar patches. One simple method is performing k-means clustering over all the vectors.[5] Codewords are then defined as the centers of the learned clusters. The number of the clusters is the codebook size (analogy to the size of the word dictionary).

Thus, each patch in an image is mapped to a certain codeword through the clustering process and the image can be represented by the histogram of the codewords.

Learning and recognition based on the BoW model

Computer vision researchers have developed several learning methods to leverage the BoW model for image related task, such as object categorization. These methods can roughly be divided into two categories, generative and discriminative models. For multiple label categorization problem, the confusion matrix can be used as an evaluation metric.

Generative models

Here are some notations for this section. Suppose the size of codebook is V.

  • w: each patch w is a V-dimensional vector that has a single component that equals to one and all other components equal to zero (For k-means clustering setting, the single component equal one indicates the cluster that w belongs to). The vth codeword in the codebook can be represented as wv=1 and wu=0 for uv.
  • w: each image is represented by w=[w1,w2,,wN], all the patches in an image
  • dj: the jth image in an image collection
  • c: category of the image
  • z: theme or topic of the patch
  • π: mixture proportion

Since the BoW model is an analogy to the BoW model in NLP, generative models developed in text domains can also be adapted in computer vision. Simple Naïve Bayes model and hierarchical Bayesian models are discussed.

Naïve Bayes

The simplest one is Naïve Bayes classifier.[6] Using the language of graphical models, the Naïve Bayes classifier is described by the equation below. The basic idea (or assumption) of this model is that each category has its own distribution over the codebooks, and that the distributions of each category are observably different. Take a face category and a car category for an example. The face category may emphasize the codewords which represent "nose", "eye" and "mouth", while the car category may emphasize the codewords which represent "wheel" and "window". Given a collection of training examples, the classifier learns different distributions for different categories. The categorization decision is made by

Since the Naïve Bayes classifier is simple yet effective, it is usually used as a baseline method for comparison.

Hierarchical Bayesian models

The basic assumption of Naïve Bayes model does not hold sometimes. For example, a natural scene image may contain several different themes. Probabilistic latent semantic analysis (pLSA)[7][8] and latent Dirichlet allocation (LDA)[9] are two popular topic models from text domains to tackle the similar multiple "theme" problem. Take LDA for an example. To model natural scene images using LDA, an analogy is made like this (Figure 9):

  • the image category is mapped to the document category;
  • the mixture proportion of themes maps the mixture proportion of topics;
  • the theme index is mapped to topic index;
  • the codeword is mapped to the word.

This method shows very promising results in natural scene categorization on 13 Natural Scene Categories.[1]

Discriminative models

Since images are represented based on the BoW model, any discriminative model suitable for text document categorization can be tried, such as support vector machine (SVM)[6] and AdaBoost.[10] Kernel trick is also applicable when kernel based classifier is used, such as SVM. Pyramid match kernel is newly developed one based on the BoW model. The local feature approach of using BoW model representation learnt by machine learning classifiers with different kernels (e.g., EMD-kernel and X2 kernel) has been vastly tested in the area of texture and object recognition.[11] Very promising results on a number of datasets have been reported. This approach[11] has achieved very impressive result in the the PASCAL Visual Object Classes Challenge

Pyramid match kernel

Pyramid match kernel[12] is a fast algorithm (linear complexity instead of classic one in quadratic complexity) kernel function (satisfying Mercer's condition) which maps the BoW features, or set of features in high dimension, to multi-dimensional multi-resolution histograms. An advantage of these multi-resolution histograms is their ability to capture co-occurring features. The pyramid match kernel builds multi-resolution histograms by binning data points into discrete regions of increasing size. Thus, points that do not match at high resolutions have the chance to match at low resolutions. The pyramid match kernel performs an approximate similarity match, without explicit search or computation of distance. Instead, it intersects the histograms to approximate the optimal match. Accordingly, the computation time is only linear in the number of features. Compared with other kernel approaches, the pyramid match kernel is much faster, yet provides equivalent accuracy. The pyramid match kernel was applied to ETH-80 database and Caltech 101 database with promising results.[12][13]

Limitations and recent developments

One of notorious disadvantages of BoW is that it ignores the spatial relationships among the patches, which is very important in image representation. Researchers have proposed several methods to incorporate the spatial information. For feature level improvements, correlogram features can capture spatial co-occurrences of features.[14] For generative models, relative positions[15][16] of codewords are also taken into account. The hierarchical shape and appearance model for human action[17] introduces a new part layer (Constellation model) between the mixture proportion and the BoW features, which captures the spatial relationships among parts in the layer. For discriminative models, spatial pyramid match[18] performs pyramid matching by partitioning the image into increasingly fine sub-regions and compute histograms of local features inside each sub-region.

Furthermore, the BoW model has not been extensively tested yet for view point invariance and scale invariance, and the performance is unclear. Also the BoW model for object segmentation and localization is not well understood.[2]

See also

References

43 year old Petroleum Engineer Harry from Deep River, usually spends time with hobbies and interests like renting movies, property developers in singapore new condominium and vehicle racing. Constantly enjoys going to destinations like Camino Real de Tierra Adentro.

External links

it:Modello della borsa di parole

  1. 1.0 1.1 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
  2. 2.0 2.1 Template:Cite web
  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. 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
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  7. 55 years old Systems Administrator Antony from Clarence Creek, really loves learning, PC Software and aerobics. Likes to travel and was inspired after making a journey to Historic Ensemble of the Potala Palace.

    You can view that web-site... ccleaner free download
  8. 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
  9. 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
  10. 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
  11. 11.0 11.1 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
  12. 12.0 12.1 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
  13. 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
  14. 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
  15. 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
  16. 55 years old Systems Administrator Antony from Clarence Creek, really loves learning, PC Software and aerobics. Likes to travel and was inspired after making a journey to Historic Ensemble of the Potala Palace.

    You can view that web-site... ccleaner free download
  17. 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
  18. 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