tag:blogger.com,1999:blog-28347545252010380992024-03-13T11:49:00.974+07:00Property FinanceProperty Finance Blog - Berisi tips dan cara pengembangan properti dan finansial investasi untuk properti komersial, perumahan dan properti mixed-use, serta berbagai topik umum lainadminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.comBlogger5125tag:blogger.com,1999:blog-2834754525201038099.post-18085912975523696242012-09-12T10:00:00.004+07:002012-09-12T10:00:00.388+07:00Property Financing<div style="font-family: Verdana,sans-serif;">
When buying a house you certainly expect the best results according to the costs incurred. Because it before deciding to buy a house, you should make a list of priorities that include how cool the house payment. For that, consider the following strategies that you can apply in order to avoid financial difficulties in the future:<br />
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1. Determine how financing ability<br />
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You're the most know how much ability of financing that can be done. Principle,, buying a home should be to make life more prosperous. Do not get because of the purchase of the house makes it achieve other financial goals in the future. Prepare cash even if you buy it on credit. In general, for an advance payment amount varies up to 30 per cent of the price of the house.<br />
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2. Prepare cash for a down payment<br />
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A cash fund should be reserved for anticipated expenses such as the purchase of a house so money sign or booking fee, cash advance, deed of sale and purchase, the cost under the name certificates and notary fees, and others.<br />
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3. Finding sources of funding<br />
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If you want to buy a house in cash, you can set up a regular savings fund or investment. Accumulated funds from saving or investing the profits can be used to buy a house. The upside, you do not need to depend on others and free from the obligation to pay the monthly installments. It just might take a long time to achieve a number of funds you need to buy a house. If you want to buy a house on credit, you can apply to the bank. In general, the credit funds that can be given a maximum of 70 per cent of the price of the house to be purchased. The remaining 30 percent must be financed by itself and is regarded as a house down payment.<br />
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4. Check the obligations on other parties<br />
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Banks have their own analysis and information sources that can be trusted to find a picture of your financial condition. Therefore, before applying for a loan to the bank, verify the obligation to pay your debt to other parties such as credit card payments, installment motorcycle, car payments and so on.<br />
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5. Ask for Grace Time Payment<br />
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If you are buying a home or property directly from the seller, after the price was agreed, ask the seller delayed payment. Explain to the seller for payment of property purchases is through the process of disbursement of mortgage funds takes about two weeks to a month.</div>
adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.com1tag:blogger.com,1999:blog-2834754525201038099.post-86866857688766193442012-09-12T10:00:00.003+07:002012-09-12T10:00:01.077+07:00Mortgage Brokers, Property Finance New Business Opportunities<div style="font-family: Verdana,sans-serif;">
When a person finds it difficult to sell the property, such as a house, apartment, or shop, he can still use the services of other parties, the real estate broker. Real estate broker in this case, the property will connect sellers with buyers. Vice versa, if someone wants to buy a property, the property broker will act as an intermediary to be looking for a property in accordance with the will of the buyer.<br />
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Intermediary for the sale and purchase of business property has been developed into a menggurita industry. Call it the ERA, property broker network has spread in many big cities in Indonesia. Business real estate broker also promises lucrative profits. Citing charge or fee of 2.5% of the total value of the transaction to the parties they represent, this business can bring great benefits, if the sales turnover was also great.<br />
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Venture mortgage broker or mortgage broker more or less similar to property brokers, but specialized in obtaining mortgage financing for buyers from the bank. In this case, a mortgage broker in order to connect property buyers with banks to obtain financing on the property he bought, the mortgage. Mortgage brokers are also in charge of doing some tasks of the bank, such as the collection and checking of completeness of data and documents of the credit applicant.<br />
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In countries where the property or a housing finance system has been developed and has a secondary mortgage facility (SMF), a mortgage broker can act even further by doing the analysis and approval of mortgages (mortgage underwriting process) and then through the wholesale agency to resell ( pass through) to institute SMF. Institute of SMF is then done on home loan mortgage securitization by issuing bonds to investors.<br />
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How do mortgage brokers do business?<br />
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In business, mortgage broker generally use refferal system. In this case, the mortgage broker has worked with several banks. Based on this cooperation, for any incoming loan application, mortgage broker will direct (to refer) an applicant for a particular bank in accordance with the choice of the applicant after the applicant meets all the requirements needed credit bank.<br />
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Thanks to mortgage brokers to help banks gain customers and the collection and checking of data and document requirements such mortgage, the bank will pay some fee. Generally, the fee rate is the result of negotiations with the bank, it can be in a large percentage of the mortgage amount approved or specified. Basic agreements generally agreed tariff rate adjusted to the scope of work (effort) that do mortgage brokers.<br />
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In practice in Indonesia, in addition to helping banks gain customers (marketing), the developer also generally take over the task of collecting and checking bank did persayarat mortgage documents. To perform these tasks, developers must expend considerable overhead. Not to mention, since developers have to do the work that is not a competence, so it makes the job seem less efficient.<br />
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To that end, developers can use the services of a mortgage broker to do the work and just pay a fee to the mortgage broker. Thus, developers can make savings, as well as the work becomes more efficient, because it is done by the party who is a professional in his field.<br />
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What are the benefits of mortgage brokers for banks?<br />
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As mentioned above, the bank will gain a great benefit when working with mortgage brokers, both in obtaining and in helping consumers to select customers and the collection and checking of documents. In this case, the mortgage broker acts as an agent bank marketing and help consumers select the bank.<br />
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As is known, the only bank working hours range from 08:00 to 16:00 hours. By relying on mortgage brokers who have more flexible working hours and willing to work 24 hours, then the bank will benefit most. In addition, mortgage brokers generally have salespeople (sales people) who have cultural selling (sales culture) were outstanding, as they work with the system of commission (commission based). Thus, if banks use the services of a mortgage broker to do the marketing, its effectiveness will be enormous.<br />
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What are the benefits of a mortgage broker for a developer?<br />
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For the developer, if the task has been helping banks to process mortgage applications administration, such as the collection and checking of documents mortgage terms, the better the task was transferred to another party (outsourcing), the mortgage broker. Thus, developers can perform overhead efficiencies and cost savings. In addition, developers can focus more on doing housing development and marketing which is becoming a major task.<br />
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What also needs to be realized, by working together with mortgage brokers, developers do not need to think about looking for sources of financing for potential buyers. With the help of mortgage brokers who generally have cooperation with many banks, the task of finding a bank that will help home buyers buy a home that will be built to obtain a mortgage, it becomes much easier.<br />
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What are the benefits for the mortgage broker?<br />
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Benefits for the mortgage broker is very large. In addition to helping people obtain mortgages for buying a home, mortgage brokers can also help people choose a bank that wishes. This is different, if the community is directly related to the bank or the developer.<br />
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Why is that? Because mortgage brokers usually have cooperation with many banks, so as to give many options to the customers who come to him. In addition, a deep understanding of the mortgage broker to mortgage and mortgage requirements of many banks, mortgage brokers making better able to provide appropriate advice to the public to choose the bank rather than the developer.<br />
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With flexible hours and are not bound to remain in office at any time, as well as a bank officer, then the officer mortgage broker also has more time to be dedicated to the consumer. Thus, if desired consumers do not need to go to a mortgage broker's office, but quite officer mortgage broker who will come to the consumer.<br />
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How the mortgage broker business opportunities in the future?<br />
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As a new business, mortgage brokers have a good chance to develop into its own industry. Today, with the intense competition between banks for mortgage market, the presence of mortgage brokers as a marketing agent bank will be required.<br />
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Looking ahead to the presence of SMF in Indonesia, mortgage broker business will gain a stronger again in Indonesia. Please remember, in the United States, commercial banks have only a contribution of approximately 20% of the total loan disbursed in the superpower each year, the remaining 80% are distributed by a mortgage broker and a mortgage company.</div>
adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.com0tag:blogger.com,1999:blog-2834754525201038099.post-53312140033833663762012-09-12T10:00:00.002+07:002012-09-12T10:00:03.050+07:00Income Property Financing<span style="font-family: Verdana,sans-serif;">Having a rental property can be one of the best ways to increase your net personal worth. Can profit big from your income property financing. Unlike the ups and downs of the stock market, real estate in general has always appreciated the value from time to time. And, if you buy the right property, in the right area, you can easily exceed the return available from the stock market and other forms of the other more traditional investments.<br />
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Not everyone has the skills to be a good landlord, but those who find that they can build a lot of wealth and monthly income with the nature of their investment in a relatively short time. If you are looking to buy real estate investment and skilled yet as the owner, you can always hire a property management company to manage your property for you. They can manage for you until you either get the skills yourself, or decide that a management company is best long-term option.<br />
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Finding a profitable investment property can take a little time, some local connections, and tons of research. However, once you learn about the industry, and start buying investment property, it is easier and easier to do.<br />
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Before you ever place offer on a piece of property, you should be familiar with the following three points:<br />
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Understand your commitment and time period<br />
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One of the first things that you should consider is how long you want to own the property. You should always know the answers to these questions before you buy investment real estate. The length of time you plan to own the property it has a lot to do with how much the property will cost repairs and maintenance. It also has a lot to do with how much you are willing to make improvements to the property.<br />
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The length of time you plan to own the property also determines some of your risk factors. Just about any property will increase in value over 20 years. However, if you only plan to own the property for 2 years, then you need to more carefully consider the cost of repairs and the initial price you pay for it. For most people, and for most properties, investing over a longer period of time makes the most sense financially.<br />
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Take Time to Build Network Real Estate Agents and Landlords Others<br />
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One of the best things you can do as a new property investor is to build its own network of real estate agents and other landlords. They will be the first to bring the property to the attention they think you may be interested in purchasing. They will also serve as a great reference when you have questions about your industry or problems with one of your properties, there is nothing better than to talk to others who have experience!<br />
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Cleaning Your Credit<br />
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One of the most important things you need to do, before ever applying for financing investment property, is to clean up your personal credit and reduce your debt burden. You'll get a lot more profitable loans if you have no credit card debt and high credit scores. Furthermore, by freeing as much of your income every month you'll have the cash you need to invest and maintain your property well.<br />
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Taking into account the length of time you, build a network and have great credit you will be well on your way to becoming a successful real estate investor.</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.com0tag:blogger.com,1999:blog-2834754525201038099.post-2254299887139925912012-09-12T10:00:00.001+07:002012-09-12T10:00:02.735+07:00Investment Property Financing<span style="font-family: Verdana,sans-serif;">You may have decided you want to start investing in property but you are not really sure how to go about it. One thing you should do before you start is to research financing options that may be available to you.<br />
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Most people, when they first started with investment properties, find financing, which means they only bought the property. Here is some information about real estate financing and investment strategies that may be beneficial to you.<br />
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When you hear leverage "term" used to finance real estate and investments, you will find that this term simply means to use borrowed money to finance your property investment. Your initial investment will you use the money for a down payment.<br />
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In order to leverage these will be useful in the real estate finance and investment strategy, you'll want to secure the loan at a low interest rate and make sure the loan period for the longest possible period of time. This is to prevent yourself from being tied up in the property and have little money for its own use or investment.<br />
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You must remember, however, that the risk of your investment is directly tied to leverage. If you put a small down payment on the property, a high leverage ratio of total debt and property values are high, making a high-risk properties. The more money you put as a down payment on the property, the lower leverage and lower risk.<br />
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Many, in real estate financing and investment strategies, use the pyramid to acquire more properties. What this simply means is that you use the equity in the property to help you buy again.<br />
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For example, you bought a property for $ 100,000 to make a down payment of $ 20,000 and borrowed $ 80,000. Value of the property at the time of purchase is $ 110,000. Six months later, you have a positive cash flow of $ 1,000 per month on the property and its value increased by $ 40,000 due to refurbishment. You now have equity of approximately $ 70,000 or more in property.<br />
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You take out a home equity loan for $ 30,000 and is used for the down payment investment property. This is also known as a pyramid and is a real estate financing and investment strategies used by many people.<br />
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Pyramid through the sale as well as other real estate financing and investment strategies used by many people, too. In this method, when the value of your property increases, you sell instead of taking a home equity loan.<br />
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In the above example, if the property is sold with a value of $ 150,000, you would use the money to pay off the original loan of $ 80,000, minus your initial investment of $ 20,000, what do you have to pay interest and principal, as well as renovation costs, to find you have made a profit of about $ 25,000 to $ 30,000 within six months. This money can then be used as a down payment on another property.<br />
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Before you start investing in property, it is important to understand what the real estate finance and investment strategies you plan to use. However, it is also important to understand that property investment comes with risk. Research the facts and figures before you make decisions with your real estate finance and investment strategies.</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.com0tag:blogger.com,1999:blog-2834754525201038099.post-80921205209330152042012-09-12T10:00:00.000+07:002012-09-12T10:00:04.505+07:00Commercial Property Financing<span style="font-family: Verdana,sans-serif;">Commercial Property Financing is a credit facility granted to the debtor for commercial property financing with a term that is given a maximum of 10 years. Commercial property here is the land used by the debtor to conduct its business as kiosks, warehouses, shops, factories, and offices.<br />
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Knight Frank and Citi Private Banking estimate the total demand of the super-rich world on commercial property will continue to grow with an estimated number of transactions the world will reach U.S. $ 74.1 billion in 2012, up 5%. Such written statement received by Knight Frank, yesterday (04/04/2012).<br />
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Further, the report says this year's estimated demand super luxury property purchased by the richest people would be soaring. Factor U.S. and European crisis does not give effect to the interest of the wealthiest people invest their money in luxury properties.<br />
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According to Knight Frank, despite the recession across Europe, but some important locations luxury properties in Europe still in high demand. Many factors affect the rich world are still buying luxury properties, including lifestyle and investment motives are the main reason for them.<br />
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Average homes purchased was a second home. The survey said 16% of the rich people surveyed have second homes and 40% of them have second homes in the seaside location of them in the UK and U.S..<br />
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"Investing in a luxury property to the main portion of the assets of the investment portfolio in 2011 showed an increase of the global allocation to real estate investments by 19%," said Knight.</span>adminhttp://www.blogger.com/profile/08190069797405820423noreply@blogger.com0