Posts Tagged property market

Eight ways to beat the credit crunch

After another month of doom and gloom for the property market and numerous news headlines reporting major agency chains closing, I wanted to provide fresh ideas on how to bring much needed additional incomes streams into your agency.

Firstly go back to basics and look at what services you initially offered when your agency started. You may even need to ask a retired director or a member of staff who now takes a back seat as to the methods used as you will probably find that strategies used to build your agency up from the start have been dropped due to a buoyant market and natural source of landlords with property coming in through your doors. If your agency currently out sources services such as tenant referencing or conducting inventories look at bringing these services back in house. Always ensure your agency tenancy agreement is up to date with the newest legislation as tenancy clauses are continually challenged in court. You do not want to have the bad press associated with your agency if action was taken against you. Inventories are very time consuming especially for larger fully furnished properties so ensure you have plenty of time to complete the task. A rushed inventory would not stand up to scrutiny if the property is damaged during the tenancy.

Look into schemes offering commission for providing new account customers. When a tenant is moving home the last thing on their mind is sorting out the utility accounts. Some schemes simply require the tenant to sign a form and everything else is taken care of, allowing a fast and efficient way to have all utility accounts changed to their new address. Although schemes vary in services offered, you should be able to find a suitable scheme for every utility service including broadband and even mobile telephones. I have recently read about a commission based scheme where one agent had received over £50,000 over the course of the year so these programs shouldn’t be sniffed at.

Look at the times and dates viewings are arranged and conducted. If you can book viewings in one after another you will save the cost of fuel travelling back and forth. This method of multi viewing also creates urgency with interested tenants as they feel they need to act quickly or will loose the property.
Take time out to re-valuate the fees you are charging to lower income families and students. It is far better to have a larger amount of tenants snapping up your rental accommodation than having houses to rent left on the market due to high fees. You only need to make a small reduction in fees to sound competitive. Remember there are now a large number of student accommodation bed providers which compete for your tenants so do all you can to retain their business.

Look into selling insurance products that will appeal to landlords, such as rent guarantees and building insurance. Extra income can easily build up by simply passing a leaflet to an enquiring customer. There are also similar products that can be sold to students offering protection of their deposit or the contents of the building. Please remember that if you are going to give advice on insurance products you do need to be registered with the Financial Services Authority, although this is not required if you are only handing out leaflets with you agency details printed on the back for commission payments to be made. Before selling or providing insurance products please find out exactly what is required by contacting the insurance company and asking about their reseller requirements.

Finally look into partnerships with other local agents and agree on a commission split. You may have tenants on your books that can be introduced to another agent who is struggling to fill a particular property or vice versa. Half a commission is better than disappointed tenants sat waiting to be informed of suitable properties.

These methods may all seem as low income stream generators and not worth the hassle to implement but once made part of your usual business will generate a good source of income. In the current climate every penny counts!

Tags: , , , , , , ,

No Comments

Unveil The Tips For Successful Real Estate Investment

We have all heard of stories of multi-millionaires who have made it big through property investment and on the other side of the coin there are probably thousands more easily who got burned real hard by property speculation. Just what makes these multi-millionaires ticks while the rest fail? Here in this article we will show you the secrets for successful property investment.

1. Set Long Term Perspective … Risk Level Make up your mind on long term objective and risk exposure when investing in properties. After that, make sure everything you do is consistent with those pre-set objective and risk. Do not ignore risks no matter how enticing the rewards are. Remember these two parameters should always work in pair.

2. Don’t Follow Advice Blindly Don’t be taken in by market rumors, gossips or expert opinions too readily. You should only invest in properties that you are familiar with or at least backed by your research.

3. Explore Your Options Don’t stay static and keep your options open. You may have a premium property in your portfolio but there is no reason to stop looking. Always on the look out for opportunities that did not exist in the past and you may be surprised with the results of your determined searches.

4. Have Faith but Stay Realistic Your investment into property market is not going to be all smooth sailing. As with anything traded on the stock exchange, properties’ prices would experience fluctuations through out its life. Just accept this as part of the package and always brace yourself as the business climate changes to worse. If you trust your research work, you may choose to stick to your investment strategy but if market conditions continue to plummet, it maybe worthwhile to evaluate the situation or even call it quit where necessary.

5. Be Risk Aware It doesn’t matter what property analyst said, every piece of property has its corresponding risk. Get to know the risk labeled onto your properties or your intended purchases and learn how to read a risk rating.

6. Respect the Market but Don’t Fear It Understand the many rules-of-engagement as far as property investment is concerned. When you are new, perhaps it is more difficult to come to grips with the market dynamics so keep watchful eyes as you experimented with your investment. Find time to equip yourself with necessary knowledge on investment subject and the market. When understanding and analyzing the market becomes too difficult, you can seek the help of a financial adviser.

7. Don’t Sit on Decisions Sometimes we become overly careful and fail to act decisively for quick profit. Usually find your comfort level is going to help so work on a good balance between action and caution. If you feel an outsider help is required, then go look for it. Once you are sure about an investment, take decisive actions while keeping your objective and risk appetite in mind.

8. Make Mistakes You will make mistakes some days no matter what sort of investment genius you are. Be ready to take it as a learning process that would make you better in future. But don’t fret over the mistake. As you work to contain your risk, your chance of mistakes will get greatly reduced. Just make sure you monitor your investment risk profile regular enough.

Learn more about Investment In Singapore . Stop at our Site where you can find out all about Investing Property In Singapore and what it can do for you.

Tags: , , , , , , , , , , , , , ,

No Comments

Your First Buying Of Singapore Property

Real estate purchase is often one of the biggest decisions in your life because of its fairly hefty price tag. Unless you are filthy rich you are not able to hand over that large sum of cash in exchange of a real estate. Often people will look to the banks to help finance their real estate investments. Still the banks or the lending parties will expect you to foot the initial five to twenty percent as down payment. If you have always been troubled by that requirement we are about to solve your problem.

Budgeting is a form of money management. You will have to be completely truthful on how you analyze your income and expenses. It encourages you to live with a prudent lifestyle by pointing out to you the wasteful expenditures in your spending habits. But it requires a systematic approach. The place to start is usually your past bills and expenses.

In addition to guide your spending behavior, budgeting can be a handy tool when you plan to save money for your intended home purchase. It is always difficult to save money as advertisements after advertisements try to influence you buying their products. And so often you get caught in life situations which prompted you to spend more. You know you have to find a way.

Simply put you are able to spend money because you have incomes into your bank. That is just the reality of life. There are fixed expenses that we cannot turn away from like rent and electricity bills but there are other expenses that we can work on. The smart thing to do is to distinguish the many expenditures types and spend wisely. And we no longer live a lifestyle that is entirely self-sufficient without money changing hands.

Spend money on the things that you really require and don’t spend money on impulse. Consciously make this a habit and you will find your saving grows. But your sound system and your personal computer at home are servicing you just nicely. Don’t be tempted. Need a proof? How often you find items that you bought ended up being thrown away as you have no need for them. You may be impressed by the latest, state of the art, multimedia laptop that comes with multiple HEMI inputs. Admit it; you are guilty of over-indulging yourself.

Plan how you will spend your income over a period of time and never get to overspend situations. Decide on the amount money you want to put aside for that property purchase. Surely you will be missing out some of the little funs out there with a cut-down budget. But keep reminding yourself that you are working towards your first property and that lost is worth nothing compared to this goal.

Once you write that down on a piece of paper, start figuring out all expected expenses to be paid on that month. Again fill in all these expenses on the same piece of paper alongside the incomes. After that, put into the worksheet that targeted savings for the property purchase on the same column as expenses. This will represent your roadmap on how you run your life for the next one month, as far as spending money is concerned. Always have a clear mind about all your incomes and compensations.

Make a habit to stay to fit your budget and you realize your dream, that the ownership of the land quickly.

Tags: , , , , , , , , , , , , , ,

No Comments

First Time Buyer Need To Be Careful Before Buying Singapore Real Estate

So family and friends have been telling you that you should buy your first new house, right? As you busy weighing the pros and cons of the idea, this article would try to help you understand what it takes to buy a new home.

1. Buy only if you plan to stay long term if you are already aware of the fact that you are not going to stay there longer than three years, perhaps it is not time to own one yet. Because the cost of owning the property and subsequently selling it in short time would mean that you are likely end up poorer, even if you see your property has appreciated in value. When the market is bad, the loss you have to suffer could be even unimaginable.

2. Boost your credit rating before you head to the bank for your mortgage application to buy a house, make sure you have an impeccable credit report. When you spot problems on the report, make an effort to correct and fix them. Your credit report would play a big part in deciding if a lender is going to grant you the loan.

3. The calculator would require you to input information like your income, debts, and expenses to work out a loan comfortable to you, or to thee bank. Find suitable home loan 80 percent of the purchased price is the average loan amount banks are willing to disburse, subject to qualification. But you can go to the online calculator to figure out more about the maximum loan amount the bank is willing to approve you.

4. This is done on a case to case basis and there is also pre-qualification requirement. If you have problem putting up this amount, your only option is to discuss your requirement with those offering sub-prime loan. Down payment requirement as a rule of thumb, banks expect 20 percent down payment from home buyers.

5. Buy into hot location with good schools If possible finds a site where there are a number of popular schools. Reason is school districts are a top consideration for buyers who have school going children. When you want to sell your property, you can ask for a premium on top of a fair evaluation price.

6. Enlist the help of property agent While Internet is useful disseminating valuable information like home listings, when it comes to a time to follow up, like physical home inspection, negotiating terms and price, human type interaction cannot be avoided. It can be a good idea to get help from exclusive buyer agent as they can help to take care of all these hassles on your behalf and acting on your interest.

Finally, when you choose to go ahead with the house hunting, get ready for some serious work. You would want to find out the sales trend of similar housing type in the nearby area. Check the most recent transacted prices. Always do a background check on the property that interest you, before you get to meet the prospective seller or the representative. This way you will walk into the negotiation confident and talk your way into buying that dream home of yours.

Tags: , , , , , , , , , , , , , ,

No Comments