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[[File:Magnetic Tunnel Junction.png|thumb|right|Magnetic tunnel junction (schematic)]]


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'''Tunnel magnetoresistance''' (TMR) is a [[magnetoresistance|magnetoresistive effect]] that occurs in a '''magnetic tunnel junction''' (MTJ), which is a component consisting of two [[ferromagnet]]s separated by a thin [[Insulator (electrical)|insulator]]. If the insulating layer is thin enough (typically a few [[nanometer]]s), [[electron]]s can [[Quantum tunneling|tunnel]] from one ferromagnet into the other. Since this process is forbidden in classical physics, the tunnel magnetoresistance is a strictly [[Quantum mechanics|quantum mechanical]] phenomenon.
 
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The direction of the two [[magnetization]]s of the ferromagnetic films can be switched individually by an external [[magnetic field]]. If the magnetizations are in a parallel orientation it is more likely that [[electron]]s will tunnel through the insulating film than if they are in the oppositional (antiparallel) orientation. Consequently, such a junction can be switched between two states of [[electrical resistance]], one with low and one with very high resistance.


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The effect was originally discovered in 1975 by M. Jullière (University of Rennes, France) in [[iron|Fe]]/[[germanium|Ge]]-[[oxygen|O]]/[[cobalt|Co]]-junctions at 4.2 K. The relative change of resistance was around 14%, and did not attract much attention.<ref>{{cite journal | author=M. Julliere | title=Tunneling between ferromagnetic films | journal=Phys. Lett.| year=1975 | volume=54A | pages=225–226|doi=10.1016/0375-9601(75)90174-7 |bibcode = 1975PhLA...54..225J }}</ref> In 1991 Terunobu Miyazaki ([[Tohoku University]], Japan) found an effect of 2.7% at room temperature. Later, in 1994, Miyazaki found 18% in junctions of iron separated by an [[amorphous]] [[aluminum oxide]] insulator <ref>{{cite journal | author=T. Miyazaki and N. Tezuka | title =Giant magnetic tunneling effect in Fe/Al<sub>2</sub>O<sub>3</sub>/Fe junction|title=Giant magnetic tunneling effect in Fe/Al<sub>2</sub>O<sub>3</sub>/Fe junction | journal=J. Magn. Magn. Mater. | year=1995 | volume=139 | pages=L231–L234|bibcode = 1995JMMM..139L.231M |doi = 10.1016/0304-8853(95)90001-2 }}</ref> and [[Jagadeesh Moodera]] found 11.8% in junctions with electrodes of CoFe and Co.<ref>{{cite journal | author=J. S. Moodera ''et al.'' | title=Large Magnetoresistance at Room Temperature in Ferromagnetic Thin Film Tunnel Junctions | journal=Phys. Rev. Lett. | year=1995 | volume=74 | pages=3273–3276 | doi=10.1103/PhysRevLett.74.3273 | pmid=10058155 | issue=16 | bibcode=1995PhRvL..74.3273M}}</ref> The highest effects observed to date with aluminum oxide insulators are around 70% at room temperature.


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Since the year 2000, tunnel barriers of [[crystalline]] [[magnesium oxide]] (MgO) have been under development. In 2001 Butler and Mathon independently made the theoretical prediction that using [[iron]] as the ferromagnet and [[MgO]] as the insulator, the tunnel magnetoresistance can reach several thousand percent.<ref>{{cite journal | author=W. H. Butler, X.-G. Zhang, T. C. Schulthess, and J. M. MacLaren | title=Spin-dependent tunneling conductance of Fe/MgO/Fe sandwiches | journal=Phys. Rev. B | year=2001 | volume=63 | page=054416 | doi=10.1103/PhysRevB.63.054416|bibcode = 2001PhRvB..63e4416B | issue=5 }}</ref><ref>{{cite journal | author=J. Mathon and A. Umerski | title=Theory of tunneling magnetoresistance of an epitaxial Fe/MgO/Fe (001) junction | journal=Phys. Rev. B | year=2001 | volume=63 | page=220403 | doi=10.1103/PhysRevB.63.220403|bibcode = 2001PhRvB..63v0403M | issue=22 }}</ref> The same year, Bowen et al. were the first to report experiments showing a significant TMR in a MgO based magnetic tunnel junction [Fe/MgO/FeCo(001)].<ref>{{cite journal | author=M. Bowen ''et al''. | title=Large magnetoresistance in Fe/MgO/FeCo(001)… epitaxial tunnel junctions on GaAs(001…) | journal=Appl. Phys. Lett. | year=2001 | volume=79 | page=1655 | doi=10.1063/1.1404125|bibcode = 2001ApPhL..79.1655B | issue=11 }}</ref>  
 
In 2004, Parkin and Yuasa were able to make Fe/MgO/Fe junctions that reach over 200% TMR at room temperature.<ref>{{cite journal | author=S Yuasa, T Nagahama, A Fukushima, Y Suzuki, and K Ando | title=Giant room-temperature magnetoresistance in single-crystal Fe/MgO/Fe magnetic tunnel junctions | journal=Nat. Mat. | year=2004 | volume=3 | pages=868–871 | doi=10.1038/nmat1257 | pmid=15516927 | issue=12|bibcode = 2004NatMa...3..868Y }}</ref><ref>{{cite journal | author=S. S. P. Parkin et al. | title=Giant tunnelling magnetoresistance at room temperature with MgO (100) tunnel barriers | journal=Nat. Mat. | year=2004 | volume=3 | pages=862–867 | doi=10.1038/nmat1256 | pmid=15516928 | issue=12|bibcode = 2004NatMa...3..862P }}</ref> In 2009, effects of up to 600% at room temperature and more than 1100% at 4.2 K were observed in junctions of CoFeB/MgO/CoFeB.<ref>{{cite journal | author=S. Ikeda, J. Hayakawa, Y. Ashizawa, Y.M. Lee, K. Miura, H. Hasegawa, M. Tsunoda, F. Matsukura and H. Ohno | title=Tunnel magnetoresistance of 604% at 300 K by suppression of Ta diffusion in CoFeB/MgO/CoFeB pseudo-spin-valves annealed at high temperature | journal=Appl. Phys. Lett. | year=2008 | volume=93 | page=082508 | doi=10.1063/1.2976435|bibcode = 2008ApPhL..93h2508I | issue=8 }}</ref>
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The [[Disk read-and-write head|read-heads]] of modern [[hard disk drive]]s work on the basis of magnetic tunnel junctions. TMR, or more specifically the magnetic tunnel junction, is also the basis of [[MRAM]], a new type of [[non-volatile memory]]. The 1st generation technologies relied on creating cross-point magnetic fields on each bit to write the data on it, although this approach has a scaling limit at around 90–130&nbsp;nm.<ref name="white paper">Barry Hoberman [http://www.crocus-technology.com/pdf/BH%20GSA%20Article.pdf The Emergence of Practical MRAM]. Crocus Technologies</ref> There are two 2nd generation techniques currently being developed: [[Thermal Assisted Switching]] (TAS)<ref name="white paper"/> and [[Spin Torque Transfer]] (STT). Magnetic tunnel junctions are also used for sensing applications.
 
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[[File:TunnelSchema TMR.png|thumb|right|Two-current model for parallel and anti-parallel alignment of the magnetizations]]
 
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The relative resistance change—or effect amplitude—is defined as


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:<math>\mathrm{TMR} := \frac{R_{\mathrm{ap}}-R_{\mathrm{p}}}{R_{\mathrm{p}}}</math>
 
 
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where <math>R_\mathrm{ap}</math> is the electrical resistance in the anti-parallel state, whereas <math>R_\mathrm{p}</math> is the resistance in the parallel state.
 
 
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The TMR effect was explained by Jullière with the [[spin polarization]]s of the ferromagnetic electrodes. The spin polarization ''P'' is calculated from the [[spin (physics)|spin]] dependent [[density of states]] (DOS) <math>\mathcal{D}</math> at the [[Fermi energy]]:
 
 
  <li>[http://www.philatelie-france-russie.fr/spip.php?article51/ http://www.philatelie-france-russie.fr/spip.php?article51/]</li>
<math>P = \frac{\mathcal{D}_\uparrow(E_\mathrm{F}) - \mathcal{D}_\downarrow(E_\mathrm{F})}{\mathcal{D}_\uparrow(E_\mathrm{F}) + \mathcal{D}_\downarrow(E_\mathrm{F})}</math>
 
 
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The spin-up electrons are those with spin orientation parallel to the external magnetic field, whereas the spin-down electrons have anti-parallel alignment with the external field. The relative resistance change is now given by the spin polarizations of the two ferromagnets, ''P<sub>1</sub>'' and ''P<sub>2</sub>'':
 
 
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<math>\mathrm{TMR} = \frac{2 P_1 P_2}{1 - P_1 P_2}</math>
 
 
</ul>
If no [[voltage]] is applied to the junction, electrons tunnel in both directions with equal rates. With a bias voltage ''U'', electrons tunnel preferentially to the positive electrode. With the assumption that spin is [[conservation law|conserved]] during tunneling, the current can be described in a two-current model. The total current is split in two partial currents, one for the spin-up electrons and another for the spin-down electrons. These vary depending on the magnetic state of the junctions.
 
There are two possibilities to obtain a defined anti-parallel state. First, one can use ferromagnets with different [[coercivity|coercivities]] (by using different materials or different film thicknesses). And second, one of the ferromagnets can be coupled with an [[antiferromagnet]] ([[exchange bias]]). In this case the magnetization of the uncoupled electrode remains "free".
 
The TMR decreases with both increasing temperature and increasing bias voltage. Both can be understood in principle by [[magnon]] excitations and interactions with magnons.
 
It is obvious that the TMR becomes infinite if ''P<sub>1</sub>'' and ''P<sub>2</sub>'' equal 1, i.e. if both electrodes have 100% spin polarization. In this case the magnetic tunnel junction becomes a switch, that switches magnetically between low resistance and infinite resistance. Materials that come into consideration for this are called ''ferromagnetic half-metals''. Their conduction electrons are fully spin polarized. This property is theoretically predicted for a number of materials (e.g. CrO<sub>2</sub>, various [[Heusler alloy]]s) but has not been experimentally confirmed to date.
 
==Spin-filtering in Tunnel Barriers==
Prior to the introduction of epitaxial [[magnesium oxide]] (MgO), amorphous aluminum oxide was used as the tunnel barrier of the MTJ and typical room temperature TMR was in the range of tens of percent. MgO barriers increased TMR to hundreds of percent due to the ability to filter spin, which is complementary to the electrode spin polarization effect described above. The physical origin of this spin filtering is actually symmetry filtering because the electron wavefunctions of opposite spin originate from different bands at the Fermi level. These bands correspond to different orbitals for majority and minority spin and thus have different symmetries. The MgO conduction and valence bands have the same symmetry as majority spin electrons, so they experience a lower barrier height than minority spin electrons. This exponentially increases the tunneling probability so parallel configuration current exceeds anti-parallel current by a much larger amount.
 
==Spin-transfer torque in Magnetic Tunnel Junctions (MTJs)==
The effect of [[spin-transfer torque]] (STT) has been studied in MTJs where there is an tunnelling barrier sandwiched between a set of 2 ferromagnetic electrodes such that there is (free) magnetization of the right electrode, while assuming that the left electrode (with fixed magnetization) acts as spin-polarizer. This would then be pinned to some selecting transistor in an MRAM device.  
 
The STT vector, driven by the linear response voltage, can be computed from the expectation value of the torque operator:
 
<math> \mathbf{T} = \mathrm{Tr}[\hat{\mathbf{T}} \hat{\rho}_\mathrm{neq}] </math>
 
where <math> \hat{\rho}_\mathrm{neq} </math> is the [[Gauge theory|gauge-invariant]] nonequilibrium [[density matrix]] for the steady-state transport, in the zero-temperature limit, in the linear-response regime,<ref>[F. Mahfouzi, N. Nagaosa, and B. K. Nikolić, ''Spin-orbit coupling induced spin-transfer torque and current  polarization in topological-insulator/ferromagnet vertical heterostructures'', Phys. Rev. Lett. '''109''', 166602 (2012).  Eq. (13)]</ref> and the torque operator <math> \hat{\mathbf{T}} </math> is obtained from the time derivative of the spin operator:
 
<math>
\hat{\mathbf{T}} = \frac{d\hat{\mathbf{S}}}{dt}= -\frac{i}{\hbar}\left[\frac{\hbar}{2}\boldsymbol{\sigma},\hat{H}\right]
</math>
 
Using the general form of a 1D tight-binding Hamiltonian:
 
<math> \hat{H}=\hat{H}_0 - \Delta (\boldsymbol{\sigma} \cdot \mathbf{m})/2 </math>
 
where total magnetization (as macrospin) is along the unit vector <math> \mathbf{m}</math> and the Pauli matrices properties involving  arbitrary classical vectors <math> \mathbf{p},\mathbf{q} </math>, given by
 
<math> (\boldsymbol{\sigma} \cdot \mathbf{p})(\boldsymbol{\sigma} \cdot \mathbf{q}) = \mathbf{p} \cdot \mathbf{q} + i(\mathbf{p}\times\mathbf{q})\cdot \boldsymbol{\sigma}  </math>
 
<math> (\boldsymbol{\sigma} \cdot \mathbf{p}) \boldsymbol{\sigma} = \mathbf{p} + i \boldsymbol{\sigma} \times \mathbf{p} </math>
 
<math>  \boldsymbol{\sigma}  (\boldsymbol{\sigma} \cdot \mathbf{q}) = \mathbf{q} + i \mathbf{q} \times  \boldsymbol{\sigma} </math>
 
it is then possible to first obtain an analytical expression for <math> \hat{\mathbf{T}} </math> (which can be expressed in compact form using  <math> \Delta, \mathbf{m} </math>, and the vector of Pauli spin matrices <math> \boldsymbol{\sigma}=(\sigma_x,\sigma_y,\sigma_z) </math>).  
 
The STT vector in general MTJs has two components: a parallel and perpendicular component:
 
A parallel component:
<math> T_{\parallel}=\sqrt{T_x^2+T_z^2} </math>
 
And a perpendicular component:
<math> T_{\perp}=T_y </math>
 
While in symmetric MTJs (made of electrodes with the same geometry and exchange splitting), the STT vector has only one active component, as the perpendicular component disappears:
 
<math> T_{\perp} \equiv 0 </math>.<ref>[S.-C. Oh ''et. al.'', ''Bias-voltage dependence of perpendicular spin-transfer torque in a symmetric MgO-based magnetic tunnel junctions'', Nature Phys. '''5''', 898 (2009). [http://www.nature.com/nphys/journal/v5/n12/abs/nphys1427.html &#91;PDF&#93;]</ref>  
 
Therefore, only <math> T_{\parallel} </math> vs. <math> \theta </math> needs to be plotted at the site of the right electrode to characterise tunnelling in symmetric MTJs, making them appealing for production and characterisation at an industrial scale.
 
Note:
In these calculations the active region (for which it is necessary to calculate the retarded [[Green's function (many-body theory)|Green's function]]) should consist of the tunnel barrier + the right ferromagnetic layer of finite thickness (as in realistic devices). The active region is attached to the left ferromagnetic electrode (modeled as semi-infinite tight-binding chain with non-zero [[Zeeman effect|Zeeman splitting]]) and the right N electrode (semi-infinite tight-binding chain without any Zeeman splitting), as encoded by the corresponding self-energy terms.
 
==References==
{{reflist|35em}}
 
==See also==
 
* [[Quantum tunnelling]]
* [[Magnetoresistance]]
* [[Giant Magnetoresistance]]
* [[Spin-transfer torque]]
 
{{DEFAULTSORT:Tunnel Magnetoresistance}}
[[Category:Electric and magnetic fields in matter]]
[[Category:Spintronics]]

Revision as of 16:37, 13 June 2013

Magnetic tunnel junction (schematic)

Tunnel magnetoresistance (TMR) is a magnetoresistive effect that occurs in a magnetic tunnel junction (MTJ), which is a component consisting of two ferromagnets separated by a thin insulator. If the insulating layer is thin enough (typically a few nanometers), electrons can tunnel from one ferromagnet into the other. Since this process is forbidden in classical physics, the tunnel magnetoresistance is a strictly quantum mechanical phenomenon.

Magnetic tunnel junctions are manufactured in thin film technology. On an industrial scale the film deposition is done by magnetron sputter deposition; on a laboratory scale molecular beam epitaxy, pulsed laser deposition and electron beam physical vapor deposition are also utilized. The junctions are prepared by photolithography.

Phenomenological description

The direction of the two magnetizations of the ferromagnetic films can be switched individually by an external magnetic field. If the magnetizations are in a parallel orientation it is more likely that electrons will tunnel through the insulating film than if they are in the oppositional (antiparallel) orientation. Consequently, such a junction can be switched between two states of electrical resistance, one with low and one with very high resistance.

History

The effect was originally discovered in 1975 by M. Jullière (University of Rennes, France) in Fe/Ge-O/Co-junctions at 4.2 K. The relative change of resistance was around 14%, and did not attract much attention.[1] In 1991 Terunobu Miyazaki (Tohoku University, Japan) found an effect of 2.7% at room temperature. Later, in 1994, Miyazaki found 18% in junctions of iron separated by an amorphous aluminum oxide insulator [2] and Jagadeesh Moodera found 11.8% in junctions with electrodes of CoFe and Co.[3] The highest effects observed to date with aluminum oxide insulators are around 70% at room temperature.

Since the year 2000, tunnel barriers of crystalline magnesium oxide (MgO) have been under development. In 2001 Butler and Mathon independently made the theoretical prediction that using iron as the ferromagnet and MgO as the insulator, the tunnel magnetoresistance can reach several thousand percent.[4][5] The same year, Bowen et al. were the first to report experiments showing a significant TMR in a MgO based magnetic tunnel junction [Fe/MgO/FeCo(001)].[6] In 2004, Parkin and Yuasa were able to make Fe/MgO/Fe junctions that reach over 200% TMR at room temperature.[7][8] In 2009, effects of up to 600% at room temperature and more than 1100% at 4.2 K were observed in junctions of CoFeB/MgO/CoFeB.[9]

Applications

The read-heads of modern hard disk drives work on the basis of magnetic tunnel junctions. TMR, or more specifically the magnetic tunnel junction, is also the basis of MRAM, a new type of non-volatile memory. The 1st generation technologies relied on creating cross-point magnetic fields on each bit to write the data on it, although this approach has a scaling limit at around 90–130 nm.[10] There are two 2nd generation techniques currently being developed: Thermal Assisted Switching (TAS)[10] and Spin Torque Transfer (STT). Magnetic tunnel junctions are also used for sensing applications.

Physical explanation

Two-current model for parallel and anti-parallel alignment of the magnetizations

The relative resistance change—or effect amplitude—is defined as

where is the electrical resistance in the anti-parallel state, whereas is the resistance in the parallel state.

The TMR effect was explained by Jullière with the spin polarizations of the ferromagnetic electrodes. The spin polarization P is calculated from the spin dependent density of states (DOS) at the Fermi energy:

The spin-up electrons are those with spin orientation parallel to the external magnetic field, whereas the spin-down electrons have anti-parallel alignment with the external field. The relative resistance change is now given by the spin polarizations of the two ferromagnets, P1 and P2:

If no voltage is applied to the junction, electrons tunnel in both directions with equal rates. With a bias voltage U, electrons tunnel preferentially to the positive electrode. With the assumption that spin is conserved during tunneling, the current can be described in a two-current model. The total current is split in two partial currents, one for the spin-up electrons and another for the spin-down electrons. These vary depending on the magnetic state of the junctions.

There are two possibilities to obtain a defined anti-parallel state. First, one can use ferromagnets with different coercivities (by using different materials or different film thicknesses). And second, one of the ferromagnets can be coupled with an antiferromagnet (exchange bias). In this case the magnetization of the uncoupled electrode remains "free".

The TMR decreases with both increasing temperature and increasing bias voltage. Both can be understood in principle by magnon excitations and interactions with magnons.

It is obvious that the TMR becomes infinite if P1 and P2 equal 1, i.e. if both electrodes have 100% spin polarization. In this case the magnetic tunnel junction becomes a switch, that switches magnetically between low resistance and infinite resistance. Materials that come into consideration for this are called ferromagnetic half-metals. Their conduction electrons are fully spin polarized. This property is theoretically predicted for a number of materials (e.g. CrO2, various Heusler alloys) but has not been experimentally confirmed to date.

Spin-filtering in Tunnel Barriers

Prior to the introduction of epitaxial magnesium oxide (MgO), amorphous aluminum oxide was used as the tunnel barrier of the MTJ and typical room temperature TMR was in the range of tens of percent. MgO barriers increased TMR to hundreds of percent due to the ability to filter spin, which is complementary to the electrode spin polarization effect described above. The physical origin of this spin filtering is actually symmetry filtering because the electron wavefunctions of opposite spin originate from different bands at the Fermi level. These bands correspond to different orbitals for majority and minority spin and thus have different symmetries. The MgO conduction and valence bands have the same symmetry as majority spin electrons, so they experience a lower barrier height than minority spin electrons. This exponentially increases the tunneling probability so parallel configuration current exceeds anti-parallel current by a much larger amount.

Spin-transfer torque in Magnetic Tunnel Junctions (MTJs)

The effect of spin-transfer torque (STT) has been studied in MTJs where there is an tunnelling barrier sandwiched between a set of 2 ferromagnetic electrodes such that there is (free) magnetization of the right electrode, while assuming that the left electrode (with fixed magnetization) acts as spin-polarizer. This would then be pinned to some selecting transistor in an MRAM device.

The STT vector, driven by the linear response voltage, can be computed from the expectation value of the torque operator:

where is the gauge-invariant nonequilibrium density matrix for the steady-state transport, in the zero-temperature limit, in the linear-response regime,[11] and the torque operator is obtained from the time derivative of the spin operator:

Using the general form of a 1D tight-binding Hamiltonian:

where total magnetization (as macrospin) is along the unit vector and the Pauli matrices properties involving arbitrary classical vectors , given by

it is then possible to first obtain an analytical expression for (which can be expressed in compact form using , and the vector of Pauli spin matrices ).

The STT vector in general MTJs has two components: a parallel and perpendicular component:

A parallel component:

And a perpendicular component:

While in symmetric MTJs (made of electrodes with the same geometry and exchange splitting), the STT vector has only one active component, as the perpendicular component disappears:

.[12]

Therefore, only vs. needs to be plotted at the site of the right electrode to characterise tunnelling in symmetric MTJs, making them appealing for production and characterisation at an industrial scale.

Note: In these calculations the active region (for which it is necessary to calculate the retarded Green's function) should consist of the tunnel barrier + the right ferromagnetic layer of finite thickness (as in realistic devices). The active region is attached to the left ferromagnetic electrode (modeled as semi-infinite tight-binding chain with non-zero Zeeman splitting) and the right N electrode (semi-infinite tight-binding chain without any Zeeman splitting), as encoded by the corresponding self-energy terms.

References

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See also

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

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

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

    There are various methods to go about discovering the precise property. Some local newspapers (together with the Straits Instances ) have categorised property sections and many local property brokers have websites. Now there are some specifics to consider when buying a 'new launch' rental. Intended use of the unit Every sale begins with 10 p.c low cost for finish of season sale; changes to 20 % discount storewide; follows by additional reduction of fiftyand ends with last discount of 70 % or extra. Typically there is even a warehouse sale or transferring out sale with huge mark-down of costs for stock clearance. Deborah Regulation from Expat Realtor shares her property market update, plus prime rental residences and houses at the moment available to lease Esparina EC @ Sengkang
  4. 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
  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
  6. 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
  7. 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
  8. 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
  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. 10.0 10.1 Barry Hoberman The Emergence of Practical MRAM. Crocus Technologies
  11. [F. Mahfouzi, N. Nagaosa, and B. K. Nikolić, Spin-orbit coupling induced spin-transfer torque and current polarization in topological-insulator/ferromagnet vertical heterostructures, Phys. Rev. Lett. 109, 166602 (2012). Eq. (13)]
  12. [S.-C. Oh et. al., Bias-voltage dependence of perpendicular spin-transfer torque in a symmetric MgO-based magnetic tunnel junctions, Nature Phys. 5, 898 (2009). [PDF]