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The process of valuation of any asset class (including real estate) is one of the most debatable concepts in finance. Sure, valuation is certainly a subjective assessment of different factors, but it must reflect a true and fair value of an asset and not a figure presented in the sole interest of the builder or seller.
Valuation of property impacts all players in the real estate market viz. developers, buyers and sellers, financiers and investors, lending agencies and project appraisers, regulators and tax collectors. In the developed markets, Real Estate Pricing and Valuation is organized on the basis of intellectual contribution to the appraiser decision making and valuation accuracy, application of non-traditional appraisal techniques such as regression and the minimum-variance grid method, appraising contaminated property, ad valorem tax assessment, and new perspectives on traditional appraisal methods.
Though Indian real estate is not as mature yet, developers are adapting to the process of valuation lately. In the process, valuations have gone up dramatically and they are unsustainable. Real estate valuation practices in India have resulted in overvalued properties in many sub sectors like apartments, bungalows and commercial centers and have fueled the appetite of speculators.
Many investors may find themselves trapped in illiquid sectors where either the value of their investment has eroded in real terms or where returns have remained low when taking into account the opportunity cost of holding such investments. Prices are already going down in many regions and there is still more room for correction. For the longer term, things looks pretty good and people who did record constructions last year are talking about constructing more in the next year. Currently, these targets are difficult to accomplish as execution would be a big problem and this will impact their stock prices.
Though lot of money is available as equity, debt comprises 60-70% and property developers are stretching themselves with too many projects at the same time. Larger companies are still well positioned financially, but valuation remains a critical issue. And as India lacks an organized supervisory body for property valuers, we wish to provide some helpful tips in our upcoming issues in order for small investors to make a wise investment decision when considering a valued property.
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If you are about to purchase a new car and are considering your options when it comes to your old one, I may have an original solution for you which you probably haven’t thought of. Rather than going through the trouble of selling your car, would you consider donating it? Obviously, if you need the money and are counting on the proceeds from your old car for a specific purpose, this is probably not the best time for you to donate. But what if you simply need to get rid of your car and don’t mind doing something good with the money it brings in. In this case you can become a Car Angel.
And by choosing to become a Car Angel you are not only helping others and doing a great thing, but you will also find it is easier than selling the car yourself. The reason for this is the great service provided by carangel.com. They accept Car Donations nationwide and handle all the aspects of selling the cars and using the proceeds for various charities they support. These include causes helping single mothers, orphans, homeless, teen and adult rehab, as well as prison reform. They can even have the car picked up from your locations and will provide you with the proper IRS tax deduction forms.
At carangel.com you can read the whole system of applying for car donation. Donate a car because you know that the car is going to be used for a good cause & help people around the world. Additionally, you can own & view the Free Children’s DVD’s without having to apply through a church or pre-school.
I say one thing if you do this kinds of things for helping others in returns god will definitly help you J
Dubai is among the leading choices for people who wish to invest in foreign Real Estate. The most progressive of the 7 parts that make the United Arab Emirates offers excellent investment opportunities. The UAE is only 6 hours flight time away from Germany. A short trip and you are in a land of sun and progress. Dubai is a place with an economic growth rate of 6-8%, a 50% budget surplus, excellent architecture, modern infrastructure, and a booming Real Estate and construction industry. No other place in the world has the sort of Real Estate market similar to Dubai.
A lot of the property is still in the form of plans on paper but already the sale and purchase of these properties is good business. There are numerous properties that have already seen many owners despite the fact that construction has not even started. People are making money from property in Dubai that is just land with nothing on it.
Because of factors like these Dubai has become the best place for investing in foreign Real Estate. You just have to take a look at the Dubai skyline and realize why so many people are excited about property there. It is a remarkable sight to behold in the middle of the desert. Dubai offers some of the highest standards of living when compared to any other part of the world and this only spurs on the Real Estate market growth.
Dubai is a place that is also centrally located in the Middle East making it a convenient location for business meetings among surrounding countries. Because of the great business infrastructure it has also gained a good corporate presence that has lead to excellent employment opportunities. This results in an even stronger economy because of the companies and jobs.
Dubai is among the fastest growing places in the world. There are many skyscrapers that are scheduled to open over the next 4 years. Because of the highest construction rate in the world and the growing economy there are many people that are increasingly looking to Dubai as their preferred location for foreign Real Estate investment. Despite the fact that it has so much going for it you should remember that the Dubai market is quite young. It is only as far as back 2002 that foreigners were allowed to own freehold property in Dubai. Before which only citizens could own property in Dubai, everyone else had to stay on rent.
Even today ownership is allowed only in the freehold areas. Everywhere else you can only get a 99-year leasehold that is the closest you can come to ownership. The good news is that because of the excellent response to freehold property ownership in Dubai other emirates like Sharjah, Ras Al Khaimah, and Ajman are also allowing foreigners to own Real Estate. Anyone who buys property anywhere in the United Arab Emirates is automatically granted a residence permit too. Note that a residence does not entitle anyone to work in the UAE.
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Lately, there has been an increase in the number of people acquiring residential investment properties. If managed properly, they can provide you with a steady source of income for a number of years, or until you decide to sell.
Residential properties are different from commercials ones in that someone is making a home there. You become the legal landlord, and, therefore, responsible for the upkeep of the property. In addition to keeping the location livable, you must be ready to take care of problems as they arrive.
This may seem daunting for some, but there are reasonable solutions to such common problems. Unless you are a professional do-it-yourself wiz, your best bet is to hire a management company to maintain and repair the property when problems arise.
This may seem like a hassle at first, but you have to consider the results of keeping a rental home in good repair. No one wants to live in a run down dump. If you don't maintain the building, then no one will want to rent. For you, that means no revenues from your investment to pay for the mortgage due every month no matter what. Additionally, you want to keep the property in good repair because when you decide to sell it, you want it to have appreciated.
When you decide that you are going to assume ownership and care of a residential investment property, be prepared to commit yourself 100%. It takes time and sometimes your personal money to keep the property generating revenue. The money that the rental makes should pay for its maintenance at the very least. Ideally, it will also return a profit.
You can expect two types of revenue from your investment: yield and capital gain. The yield is what you can expect from rent annually. The capital gain is the appreciation value once you've resold the property. Keep in mind that high yields usually generate low capital gain and high capital gain generates a low yield. For your investment to be the most profitable, you should try to balance these two revenues.
Committing to the responsibilities of a rental is the first step towards getting that lucrative real estate site. The next major step is getting financed. Most people looking to invest in a rental property don't have the ready cash for a down payment. There are a multitude of means you can pursue to get financing.
Residential financing is different from commercial financing because of the nature of the business. The profit is not expected to be in the hundred thousands or millions and the mortgage terms are usually long term. This creates diversity in the market, allowing you to have greater control over payment options, interest options and term length options. Additionally, if you own a home, you can secure a home equity loan to cover your down payment. As a residential investor, you have the potential to turn a nice profit. Your success depends on how much time and effort you are willing to commit to the project as well as how you secure your finances. If you manage these things correctly, the likelihood of your success improves.
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Buying foreclosed property is one thing. Selling that same property is another thing altogether. Here are some tips that will help you turn that investment into cash.
Tip 1. Deal with small repairs. If a door hinge squeaks, lubricate it. Paint the walls and trim an attractive color. Replace vent covers if needed. Replace any torn screens or cracked windows. Make sure all bulbs are replaced and working in lighting fixtures. A bright presentation is cheerier and more inviting.
Tip 2. Do a thorough cleaning of the home. Check drapes; if they need cleaned, have them cleaned. If their condition is beyond cleaning, remove the them. Purchase inexpensive, but attractive blinds and put them up. Clean all carpets. Clean and buff hardwood and tile floors. Scrub any pet stains and use odor removers; call a professional for this task, if necessary. Brush out any trash and crumbs left in the cabinets. Make it shine. Make it smell good. A clean home will sell faster than one that isn't clean.
Tip 3. Make small improvements that will increase the value of your investment. Know which ones will bring the most value for the dollar. Kitchen improvements usually prove to be a good place to start. As an example, a good garbage disposal costs less than $150, but could increase the sales value of the home by several hundred dollars or more. Simple landscaping elements such as having pots of flowers decorating the front of the house or placing redwood mulch around trees or bushes make the outside look inviting and the house homier.
Tip 4. Plan ahead for when you want to sell. Spring and summer are usually the best time of the year for selling a home. Buyers want to be able to move during warm weather months and be in a home before the starting of the school year. Give them the opportunity to be settled in before summer's over.
Tip 5. Use incentives. Provide a home inspection as a part of the buyers package. Include appliances and air conditioners in the selling price. Use the offer of paying closing costs as a nudge for the buyer.
People still want the American dream, their own home. They also want to be treated well when making such an important purchase. Making your investment property look and smell like a home instead of just a house will bring you dividends when it's time to sell. Treating people with courtesy and respect will win you friends as well as buyers.
In all my searches for information on real estate investing, I have not found many articles about what it really takes to become a "real estate investor." There are lots of ads, and lots of people who want you to attend their classes while taking large chunks of your money, and then of course the personal mentoring, which takes even more of your money. Now that we have jumped into the field, I want to share our observations and lessons learned. It's important to do your homework: research all the different avenues of education, decide how much money you have to invest (yes, you do need to have some cash, despite what all those "teachers" say), decide how much risk you can tolerate, because investing in real estate is not like purchasing $1000 in stock. You are purchasing a high-ticket asset, with value anywhere from tens of thousands to upwards of millions of dollars. And last but not least, you must be prepared to work hard and be persistent. It is not a part-time gig, no matter what those multi-gazillionaires claim. Following are four basic requirements that you will need in order to be successful.
You must have a desire for learning and continuing education, in whatever form it may take.
It is extremely important to take classes, attend seminars and read, read, read! Lots of people have followed teachers like Robert Kiyosaki, Donald Trump and Carleton Sheets. They all have powerful information to offer. But remember: giving us this "education" is their business. They are making money doing those seminars and boot camps, and making tons of it. You need to know that there are several different methods to make money in real estate (wholesaling, retailing, rehabbing, buying/selling contracts, renting, property management, commercial, etc.) Remember, each teacher has a different angle and each made their money in different manner. You need to decide which avenue is the most comfortable for you and go from there.
The Learning Annex provides good exposure to several different methods of making money in real estate and you can pick and choose whose methods you would like to learn more about. It is much easier to get into the business by focusing and learning one method at a time, and then move on to other avenues if you wish. You will only get overwhelmed trying to do everything at once.
It is also important to look at different types of education, including college courses and the internet. The single best tip you can follow is to join your local Real Estate Investment Club.This is a low cost way to start your education and also build contacts, which is extremely important in this business.
You need to have some cash to start.
Part of the hype from teachers of real estate investing is saying you can get into this business with "zero money down" or no money out of your pocket. The truth is, you really do need to have some cash in order to begin investing. Not only will you need some kind of down payment (anywhere from $500 to $5000), you will also need seed money for starting up your business. Remember, the days of 100 percent financing of properties is gone. You most certainly will need to come up with a down payment for your first investment property. Additionally, you'll need money for starting your business. You might need to purchase equipment - both for your office and to do rehabbing. You will need professional consultants, an accountant and a lawyer. If you have left your J-O-B to pursue this business full time, you will need to replace your income until you get another income coming in. And don't forget the cost of the education, classes seminars etc.
You need to have a comfortable tolerance for the "risk" you are taking on in this investment.
Buying and selling real estate is a risk - make no mistake, and it is a very LARGE risk at that. Part of the problem with the real estate market today is because [mostly novice] "real estate investors" rushed to cash in on rapidly escalating prices of real estate. Econ 101 - supply and demand. They bought recklessly, not intelligently, and now find themselves stuck with properties (whose values are resetting just as quickly) that they can't unload. You must be aware at all times that any purchase you make, you must be prepared to hold if necessary. This is investing 101. Pay attention to the market.
You must work hard and persevere.
When it is all said and done, real estate investing is work. If you are coming from the corporate world where the work day is very structured and organized, working for yourself as an investor may come as a culture shock. Again, real estate investment teachers will tout "work for yourself" and "work your own hours." They give the impression that you can come and go as you choose and work when you want. While this is partly true, you must also possess the self-discipline to sit down and perform the work you need to do in order to accomplish your investment goals. It is not as easy as it sounds. There is lots of research, the attention to business details such as book-keeping and stocking your office, searching for, then working the deal, completing the details of the deal (contracts, lawyers, titles, etc.) and then of course rehabbing the property, (or hiring and supervising rehabbers) if you intend to keep it.
Just as Murphy's Law states, you will inevitably encounter road blocks along the way, some minor and some major. It is important not to give up or allow set backs to derail your progress.
The investing mantra is "Buy low. Sell high." Current market conditions make it one of the best times ever to invest in real estate. Just remember, nothing is as free or easy as some "teachers" would like you to believe, all while they take your money to the bank. Just do your homework, choose intelligently and spend your money wisely. Learning Real Estate Investing can be overwhelming, but it is worth all your efforts.
There are many reasons to get that Faxless Payday Loans…what is your reason? Sometimes you think that you have your finances in order but something happens and comes up which means you may just be a little short with your month bills. It happens to those people who have No Fax Payday Loans
A payday loans is a temporary short term solution to your financial problems. Perhaps you have an unexpected medical bill and you have to pay it off which then leaves you short for you’re other home bills. This way you can pay off both when they are due and when you get your pay check you can pay off your payday loan. Check out the site paydayloanquotes.com where you can get your quotes. This site is very user friendly and easy to navigate through so you should have no problem finding all the information that you need to know.
Today's consumer is getting smarter, and more sensitive. As the trend toward greener buildings continues to grow, how can you as a home seller increase the green value of your home? There are many inexpensive easy ways that you can move towards creating a greener home environment.
Electricity - This is especially beneficial when potential buyers ask about the utility costs. Shut down and unplug appliances that you aren't using. Turn off the lights when you leave a room. Look for energy efficient appliances when you're upgrading.
And while we're thinking about energy efficiency - Be sure to seal any cracks and drafts. This will help to lower your heating costs. If you have the money, look into thermal paned windows. They aren't cheap, but they are a selling feature.
CFLs - That's compact fluorescent light bulbs. They last longer, cost less to run and come in a variety of colors and brightnesses. Just remember to recycle them properly at the end of their life span as they do contain substances that shouldn't get into the environment.
Programmable thermostats will keep your home warm and cozy when you're home and cooler at night or during the day when your out. Your days of forgetting to turn down the heat before you leave the house are over!
And when the heat outside is necessitating cool inside, consider installing ceiling fans. These will circulate the cool air reducing the need for air conditioning at a fraction of the price.
Keeping it cool in the laundry room can also save you money - washing your loads in cold water instead of hot will lower your energy bills and keep your clothes looking newer longer. Hanging things to dry will only add to your savings.
And while we're on the subject of cleaning, let's talk about cleaners: in case you hadn't noticed the warning labels let me spell it out for you: T-O-X-I-C. Not just for you, but for your children, your pets, and the earth. Plus certain chemicals can irritate health problems including asthma and other respiratory issues. Switching to a friendlier product can make visitors more comfortable in your home.
Speaking of visitors - how about the birds and the bees? What kind of chemical stew are you spreading on your lawn, and how can you minimize it to create a healthy yard for your family with less potential harm to our water supply? Look into native vegetation that require less fertilization and plants that attract bird and beneficial bugs to your landscape. Not only will this decrease your risk, good landscaping can increase the value of your house by up to 15%.
A compost - If you have property, a compost is a great way to take care of those kitchen scraps and yard waste. A well taken care of compost (well taken care of being key - buyers do not want to see a stinky mess!) not only produces nutrient rich soil for the garden; it's an easy way to do your part.
So there you have it - some easy ways that you and your family can enjoy a greener home, and increase the green value of your property. Today's consumer is looking for convenience and a conscientious product; by making a few minor changes you can supply them with both.
