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August 31, 2015

How to Finance a Real Estate Investment?

Real estate businessReal estate investing can provide benefits of monthly cash flow, equity growth, appreciation. Many investors believe that you have to have sufficient money to invest in a property. However it’s always not the case. In some situations, the investor avoiding any further complications and abundant money goes for full cash payment for the property. A clever group would choose conventional mortgage where 20% down payment is required which may extend to 25-30% according to the property dealers in Delhi. The rest is paid through house loans where a minimum interest rate is charged. The mortgage loans can be from banks, from brokers or from credit unions. Though in most of the cases the real estate brokers in Delhi acquire the money from some other governmental institution or any other source but the bank or the credit unions can provide the entire sum from their own pocket and hence are called portfolio lenders. Their loans are more flexible to the investor. Another option for financing in a real estate investment is through hard money i.e. money obtained from any private institution or individuals. This money can be obtained without any income verification and credit history checking but it costs a higher interest on loans and high fees for obtaining the loan. The hard money can be obtained within days and thus if there is immediate requirement of cash inflow, hard lenders are the only option available to the investors.

A few property dealers in Delhi are Anushree Realtors, Absolute Solutions, North India Realty and Atul Mishra and associates. A limited number of specifically designed shops lying next to the bustling Noida metro station are provided by the real estate brokers in Delhi. These air conditioned shops of different sizes are collaborated to form a mall in future where all types of goods would be available. This mall would have certain advantages such as Radisson hotel, Golf course and Kalindi Kunj Bridge in the near vicinity.

The Narang Property dealers in Delhi provide access to certain properties for the customers. A property located in Vikaspuri has 3 bedroom apartment costing about 1 crore. There are 3 bathrooms and 2 balconies with Rs 8,900 per square feet. Another property shown by the real estate brokers in Delhi is the 2BHK flat in Vikaspuri costing 65 lakhs with 2 bathrooms but no balcony.

The real estate brokers in Delhi provide access to buyers in the Gulshan Bellina in sector 16 of greater Noida. 2BHK apartments with 1100square feet of total carpet area available at a price of 35 lakhs whereas 3BHK flats with carpet area extending from 1300 to 1750 square feet at a price of 42 to 52 lakhs. The general amenities available are jogging park, basketball court, kids play area, Aerobic centre; massage room, unisex parlour (AC), and wheel chairs for sick or disabled member of the co-operative. The best facility is its 24*7 security customer care centre team guarding the house.

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August 27, 2015

How to Choose a Currency for Your Offshore Bank Account

Financial sectorsIn a sharp contrast with your domestic bank accounts, your offshore banking service will provide you with the option of choosing currencies to be held in your accounts. It’s really a valuable feature for all your offshore accounts as it provides you with the option of maintaining funds in a different currency than your domestic one. It’s of great help when the domestic currency is likely to get depreciated. It’s important for you to identify the factors that drive exchange rates. You must also understand the effects of maintaining your account with various currencies. Your deposits may yield considerable interest when you pick certain currencies for holding currencies. It might even contribute towards foreign tax liability. Depending on exchange rates and fee structure, you might need to bear the expense of exchanging currencies for making withdrawals and deposits.

Depositing with your Offshore Bank

International wire transfers are very effective in funding offshore bank accounts. Systems that make it easier for you to perform free electronic fund transfers through domestic banks prevent international money transfers. Sending or receiving funds compel you to pay your banks for international wire transfers. In comparison, it seems much simpler to opt for a wire transfer. Banks charge different amounts for wire transfers; that’s why it’s important for you to check out various deals. You have only a few good alternatives. Jurisdictions in foreign countries don’t allow you to accept domestic checks. It’s not a practical idea to carry funds on your own.

Withdrawing from your Offshore Account

In order to turn their services more convenient to users, a number of options to withdraw funds have been introduced by offshore banks. You may be allowed to access funds worldwide by any offshore banking concern that provides you with an ATM or debit card. You might need to bear a certain amount as fees for using international ATMs. That’s why it is essential for you to check out fees before opting for this method. These fees may even be minimized when you withdraw bigger amounts of cash for a single time.

Checking accounts are even allowed by a few offshore banks. A good number of customers don’t prefer this method as it demands a high degree of confidentiality. When you draw checks on foreign accounts, you may experience certain problems regarding their acceptance at foreign outlets.

You may consider using two accounts simultaneously – one could be your domestic account and the other one could be the offshore one. Offshore banking funds worth higher amounts can thus be transferred to your domestic account, so that you may access them easily. By following this method, you may actually ensure more security and privacy besides availing the convenience of services offered by local banks.

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April 7, 2015

Real estate trends to be aware of in 2015 – Which are the best markets for investing?

Real estate trendsDue to the sudden recovery in the housing market across the United States of America, prices in many markets have shot up. According to reports by Realty Trac, the median sales price of the single-family homes and condominiums had reached their highest level since September, 2008. Appreciation of price and the tempting number of foreclosures created frenzy among the real estate investors who were willing to pay cash and this in turn made it tougher for the traditional buyers to compete with them. However, experts are of the opinion that 2015 will be marked due to rejuvenation of normalcy and balance for the entire real estate markets throughout the nation. It has been a tough time for the buyers but it is certainly going to be easy in 2015.

The chief economist of Redfin.com, Nela Richardson agrees that it has been a pretty clear pattern that the activity among the investors has been shrinking with time. Nowadays, investors are only interested in places where they can buy low and sell high. The growth in price is slowing down dramatically and hence they are not able to sell at a much higher price than what they buy. Investment properties will be less interesting in 2014 and will continue throughout 2015.

Real estate trends to watch out for in 2015

If you’re an investor or a buyer, you should be aware of the bigger picture and before taking any step into the market, you need to know the trends that you should watch out for. Below listed are some of the real estate market trends that you should be aware of in 2015.

1. An improved market for all buyers: For all the middle-class homebuyers within the US, 2015 is indeed going to be a rather better year than 2014 as more inventory will be coming into the market, as per chief economist Jed Kolko. As the appreciation of home prices are predicted to flatten out, the present owners will have enough incentive to sell off their properties before the prices dip down yet again. In fact, the median sales price for single household homes was $217,400 in 2014, which was up from 2013 when the median sales price was only $196,300, as per the National Association of Realtors. For the buyers, the good news is that there are lots of people who have got back above water.

2. Interest rates on mortgages will stay pretty low: An ace mortgage broker sees an indeed prosperous and flourishing 2015 and due to that he plans to increase his number of mortgage officers. What is the key reason behind this? Well, the interest rates are going to stay pretty low simply due to the locational chaos and unrest and this will in turn keep inflation under control and will also lower oil prices. More and more buyers will be starting soon with buying homes in 2015. The interest rates were already low in 2014 but in 2015 the lower rates would translate to higher number of home sales.

3. The changing age game: The millenials are even bigger cohorts than their so-called baby boomers generation. As the tendency among the millenials to procrastinate homeownership and rent longer will directly affect the apartment sector, survey interviewees also studied that the investors should take into account the housing preference of millenials that could change in 2020s. Looking beyond the millenials, this report also predicts further changes in the industry which results in the emergence of the smaller Generation Z.

4. Relationship of real estate & technology will intensify: We all are aware of the fact that no particular form of real estate is excluded from the expansion of technology. Technology is the main factor that is evoking chance in space use, locations and other demand levels. Now that the entire industry is going online and there is increasing birth of e-commerce websites, the love-hate relationship between technology and real estate will definitely intensify.

Top 10 global real estate markets to invest your dollars in 2015

Now that you know the real estate trends that you should watch out for, you should also know the top 10 markets where you can invest your dollars. Here are the names:

1. Williamsburg, New York
2. Tokyo Toyosu – Kachidoki bay
3. Barangaroo, Sydney
4. 16th arrondissement in Paris
5. Cape Town Central Business District
6. Kowloon West in Hong Kong
7. Tiong Bahru in Singapore
8. Runda and Gigiri in Nairobi
9. Victoria Park, London and
10. Business Bay in Dubai.

So, if you have your dollars invested in credit card debt, student loan debt, and non-profit debt consolidation companies or in auto loans, make sure you invest some of your dollars in the real estate industry in 2015. You can definitely reap good returns this year.

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February 17, 2015

How Can One Get More Returns While Investing in Prelaunch Projects?

Property investmentsProperty investment can be a tricky business; especially considering that it requires investment of one of the biggest amounts that a person can invest in a deal. However this also is one of those investments which can help reduce the living costs after acquisition. Usually, there is no contest between new projects and resale properties. While the latter may not be fewer in availability, their accessibility is reduced due to their price tags.

Mumbai as a Property Destination

Mumbai has always been one of the biggest (perhaps the biggest) property destinations in India. Even though the sales had slowed down in the city during the real estate recession; it is worth noticing that the latent demand remained exceedingly high.

When Mumbai is compared with other territories across the country, the difference of land availability stands out. The city does not have any pliable land left in the prime territory. Therefore the suburbs are developing at an unprecedented pace. Just like with many other prime territories in India, there is possibility that with adequate development, the old Mumbai city might fade away in history. However the city being a port city, such prospects are debatable.

But this has not deterred builders from developing the suburban regions in a planned manner, drawing investment towards them. One of such localities is Mulund, which lies on the Central Line of suburban railways. Over the last thirty years, the locality has witnessed a marked presence of Nirmal Lifestyle Mulund, one of the oldest investors in the region. Now this group has launched another new project which is at par with the world class offerings from Tata Housing- which has also invested in the region recently.

The Reliability of Property Investment

One of the most important aspects of investing in Mulund is to recognize the builder. Brands like Nirmal are well known in the region. Nirmal Group is even credited for bringing Mulund on the map of hot property destinations. With decades of experience and multiple projects under its belt, these builders have become a reliable brand in the locality.

Now they are coming up with their new and expansive project called Nirmal One Mumbai Mulund which is a multipurpose project. Unlike most other builders, Nirmal Group has invested in the development of both residential and commercial spaces. The builders have acquired land in the vicinity of the L.B.S. Marg which is now being developed to offer modern residential houses. The residential component of the project is called ‘One Spirit’. It comprises of four buildings which offer 1, 2 and 3BHK houses whose floor area ranges from 600 square feet to 1600 square feet approximately.

This project is set to become one of the most prominent landmarks in Mulund when it gets completed. Its vicinity to the L.B.S. Marg makes it highly accessible from road.

Using Housing.com to Find Reliable Projects

Nirmal One Mumbaiis only one of the many offerings that are available on housing.com. The portal is known for its reliable property listings and collaboration with the biggest names in the realty sector. As a result, one can find and explore numerous new projects under development here.

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January 13, 2015

Portfolio Valuations and their Nuances

Investments portfolioThe key aspect for maintaining an excellent investment portfolio is investment analysis and monitoring. These processes are generally defined by the portfolio valuation service, which may also cater to fund managers, shareholders, limited partners, beneficiaries or holding companies.

All stakeholders are very demanding these days and they are constantly requesting for reports on the development of the portfolio companies. This often includes sporadic assessments and NAV (net asset value) calculations. When you are selecting a valuation service, you will have to check out their frequency of checking the NAV. Some services may offer monthly analysis, whereas others may offer quarterly or annual NAVs. There is an urgent need to identify the best valuation service because there are many services that may not give the desired reports in the manner that you need them. Independent and trusted analysis is the need of the hour these days—mainly in the corporate world. When you are investing your money in various companies through a fund manager, you will find that they can be biased in their valuation. In such instances, getting the valuation done by third-party services is really a good idea.

Monitoring the portfolio is always based on the analysis and evaluation of the different portfolio companies. There are two key aspects that a valuation service should look out for — the financial aspects and the soft factors. The financial aspects of the valuation are important, but the soft factors or the qualitative factors are also equally important. During monitoring or evaluation of the portfolio, you may have come across some very important terms such as the market environment, which generally comes under soft factors or the qualitative factors. When you sit face-to-face with the valuation service executive for the very first time, you will have to make sure that you are interested in the product.

Valuation and reporting go hand in hand, but there are different methods used for valuation and reporting. Look out for portfolio valuation services that provide your quarterly and annual reviews. They should also be providing you with summaries and overviews of evaluated companies. Valuations generally follow strict guidelines so that there is no ambiguity what so ever. Typically, the valuation follows the IPEV valuation guidelines. IPEV stands for International Private Equity and Venture Capital Valuation Guidelines. Some valuation services may also adhere to the AIFM Alternative Investment Fund Managers Directive guidelines. When the valuation firm adheres to the IPEV and the AIFM guidelines, the company will surely meet all independent valuation needs.

Since valuation is a very important process, selecting the right valuation company or individual is paramount. There are thousands of valuation companies and individuals, but all of them may not have the expertise and experience. For most valuation companies, efficiency and competitiveness go hand in hand. So, you will find that rates are very competitive these days. Valuation experts who have decades of experience in valuation are always preferred to do the valuation of your portfolio. Also, valuation experts who provide an entire gamut of valuation under one roof are always selected these days.

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