Is Your House an Asset or a Liability?

I was asked, awhile ago, whether a house is an asset or a liability. This might seem like an odd question. Of course your home is an asset, right? Well, that all depends on who you ask and what your definition of an asset or liability is.

We often hear phrases like, “A house is typically your most expensive asset in life.” Of course, these people mean that out of everything you buy in your life, your house is more than likely the most expensive. So, sure, a home (or condo) is an expense. Your mortgage is an expense. But an expense can be an asset, as we discussed in the related post: Is Your Car an Asset or a Liability?

If you had to make a guess, what would you say the definition of an asset is in the business world? Well, let’s step back for a minute. What is the number one goal of any business? It’s to make money. If they didn’t make money, then there would be no business, which makes it pretty apparent that it’s the top goal out of everything else.

If you walked up to your neighbor and asked them if their house is an asset or not, they would look at you funny and say, “Of course it’s an asset –.” It’s true. If you had the option to rent an apartment or buy a house, it is probably wiser to buy the house. Sure, you’ll have to make improvements once in a while, but typically your house will gain value through the years and may even earn you more than the rate of inflation. This is why for most people a house is most definitely considered an asset.

Why are those machines considered to be an asset to the business? Well, they are an asset because they are directly helping the company make money, which is their number one goal. Without them, the company would be sunk. So, let’s step back in again. What is the definition of an asset in the business world? It’s any tangible object within the company that has value and that helps the company make money.

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India's real estate market: Time for the bubble to burst?

It is a frequent motto used to emphasize the importance that a location has on the value of a real estate property. The heart of the message is clear -- if you pick the right spot to invest your property in, you can be rewarded with a handsome return on investment.

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The Indian economy is in an interesting stage right now. On one end of the spectrum, signs are pointing towards an economic surge. The Sen-sex hit an all-time high a week ago, the RBI seems to be making all the right moves to curb inflation and bring stability to the rupee and analysts can be frequently heard commentating that finally it's a "trading market". This means the economy is picking up, the share market is ripe for investments and therefore investors and traders can take advantage of the opportunities being presented to earn profits.

So all in all, real estate prices or sales are a great indicator of a country's economy.

The RBI has been consistently raising the  rate, which is the rate that banks are charged to borrow from the RBI- in recent months. These past few days, major banks such as State Bank of India and HDFC Bank raised the rates to obtain loans to purchase houses, and the trend is unlikely to stop as the RBI is expected to continue raising rates to fight inflation.

This all translates to bad news for the real estate market. Home-owners will have a more difficult time obtaining loans to purchase houses. Already, cities such as Mumbai are facing a downturn in the real estate market, despite the mass public perhaps not being aware about it. 

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Real Estate and The Internet

We continue to find additional and more ways that our lives and also the things we do have been shaped by the internet age.  More and additional of our daily living is dictated by the things that we can and can’t do online. It accustomed to be that a corporation or business didn’t would like an internet site, however these days that would not be away from the reality. The internet And its growth has turned many industries on their heads, including the world of real estate.

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It used to be that if you were interested in a home, you visited to a real estate agent who showed you photos of what is available or you simply drove around town looking at for sale signs.  Today, however, you'll take virtual tours of homes on-line, realize a house agent and even qualify for a loan will not exploit the reach of your own residence. It is hard to believe that some believed that the internet would have a negative effect on the world of real estate, when in actuality, nothing has been further from the truth.

The web has changed the reale state in numerous ways, beginning with awareness. This is especially important to the agents themselves who are able to reach a much larger market with online tours and open houses.

The internet and its growth have additionally helped land agents target their services toward bound patronage. Agents will currently produce a distinct segment within the business and advertise themselves intrinsically. With the web, it's bog down on having to cold decision or use junk to achieve these same potential purchasers.

The education of the potential home buyers has also been greatly increased by the internet.  Today it is possible to learn about comps in the region, what other homes are going for and the entire process of buying a house without leaving home.  While there is still a need for real estate agents, the internet can supplement a lot of the information buyers had to get from an agent in years past.

The most successful real estate agents will take full advantage of all the internet has to offer and strive to get their site at the top of search engine results.  If a site is well maintained and offers consumers a good look at what is available, the real estate agent’s chances of making a sale are much higher than if a website is ignored.

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Local real estate – A value for money

Do you have some extra money? Are you looking out to invest that money, so that you will get some great returns? Then real estate is the best option for investment of your money. Meanwhile, in present times, a recession has hit the market in a very bad way. The recession has created problems for the economy especially in the real estate property in India. It was the hardest hit in terms of investment real estate properties. The importance of homes and other types of properties fell drastically. Real estate has always been considered as the most stable investments one can make. Realestate properties are real value for money if maintained properly. You can mint a lot of money in terms of returns. Real estate is a best option for  investment as it develops discipline among investors and is not easily likeable. Moreover, if you do a proper real estate investor then you can be assured to get a stable monthly income. Therefore, real estate investment strategies are effective for many.

Most of the time an investment in regional real estate is highly helpful. As you are aware of a locality, finding a new construction becomes easier. You can also select the best area to stay if you have regional connections. It also becomes easier for someone to be in touch with a real estate dealer. Investing locally provides you an opportunity to understand the fine nuances of your community and especially city. Local property investments can really work wonders.

Buying a new home can be a good deal if you are going for proper real estate investments. The foremost issue that you need to take care of is finding out the value of a house in your local real estate market before starting to buy up your new home. A financial service provider provides its service on the idea of the way you are buying up the home and also the resale value of your new real estate property. The housing market keeps changing dramatically and a thorough research will do all the needful to answer all your questions.

In order to try and do home sales or purchases, a real estateagent can help you search the best as per your budget. Look out for various websites and find experts who'll be helping you with buying or selling a real estateproperty in India as well as worldwide. Before buying a new home, get in touch with a real estate expert as he has the required information and knowledge along with experience in the related field.

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Investment In Real Estate In India :A wise Decision

Indian real estate has huge potential in almost every sector especially commercial, residential, retail, industrial, hospitality, healthcare etc. However, the major developments in this sector in India are mainly the townships, residential units, shopping malls, offices, retail stores and commercial complexes.

The major growth has come due to increasing purchasing power, favorable demographics, existence of client friendly banks and housing finance corporations,

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professionalism during this sector and favorable reforms initiated by the government to attract global investors.

Real estate investment in India is primarily a long term investment providing low liquidity to an association or investor. Investors can look at renting out their property to bring consistency in revenues. This can also reduce the burden of EMIs for a property purchased with a loan. According to a survey conducted by Cosmic Structures LTD, sixty five percent of working individuals prefer this sector as a mode of long term investment.

There are many banks and financial institutions in India that provide loans at attractive rate of interest to the builders and Property dealers. For example, HDFC Property Fund, Axis home loan, Kotak Mahindra Realty Fund, and India Advantage Fund (ICICI), give the funds for this sector development to the builders and developers for construction.

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NRI real estate business is additionally on the increase in India. Recession had negligible impact on this sector. Therefore, the sector is opening up more and more investment opportunities for each domestic still as foreign investors This sector is a very profitable venture, as the profits of investors have almost doubled or have derived hundred percent profit in the residential sectors.

The preferable time horizon for investment in this sector is four to seven years of higher returns. The industry is popular for providing the second largest employment just after agriculture. One of the major reasons for this development is the policies taken by the Government of India


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Buying your first home of investment

Are you finally ready to take the plunge and buying your first investment property? Have you ever finally saved enough cash to start out investment in property, however don’t grasp wherever to begin? If therefore, you’re attending you need to browse my tips about what to shop for and wherever to start out to maximize your investment.

For most first-time investors, the selection is sometimes between one Family Home and a 2-4 unit property, normally known as Duplexes, Triplexes and Fourlexes. There area unit giant variations between each and you ought to absolutely perceive them before plunking your cash down. The key to success in any business is education and coming up with. The primary step is to be told the maximum amount regarding your subject material as potential, which can give you confidently once doing current and future deals. During this case, it’s learning to use 2-4 unit properties to create prospering investments to secure your money future.

Home for investment

You first home ought not to be and sometimes shouldn’t be your dream home. Use it as a tool to figure towards that. conjointly bear in mind that regardless of however enticing shopping for a house is right away or what proportion you wish to speculate you wish to create certain you have got some liquid savings put aside first, a minimum of 3-6 months’ value of expenses. It can even be a really wise move to travel through the method of shopping for a home yourself 1st before doing it strictly for profit too. Otherwise you may create the foremost dear makes once you very can’t afford to. It’ll assist you talk terms, borrow and sell future investment properties with additional confidence and accuracy. The primary step is to be told the maximum amount regarding your subject material as potential, which can give you confidently once doing current and future deals. During this case, it’s learning to use 2-4 unit properties to create prospering investments to secure your money future.

You should fully obtain a home of your own if you haven’t nevertheless. Make love showing wisdom, don’t borrow against it for alternative investments so use your expertise to induce out there and create higher investments for profit. Write contracts that defend you from things which will cause you to lose your cool. A decent contract can prevent hours of gratuitous anguish.

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Investment in Realty- What’s the hook?

India has a rapidly expanding economy and with the increase in the purchasing power of the people the demand for the real estate sector is growing by the day. Today the traditional use of land or houses/flats purchased has changed. While some people want to purchase them for living, others want to invest as return in this sector are sky rocketing, especially in some pockets of the country.

Investment in Real Estate

Like in any other business, real estate development too has customers who want to invest/purchase because of different reasons. But who can determine what is it that makes them opt for ABC Developers Pvt. Ltd. rather than going for XYZ Realty Pvt. Ltd.? Is there a factor that determines such choices? Is there a science behind it? Are there trends that need to be tapped for better business? Well, there might be.

What quality is it that makes them take the final decision of purchase? Do customers seal the deal in those projects which are on the verge of completion or do they go with those firms which have a reputation for quality of construction? Well, both the issues are important for customers. Talking to experienced real estate developers and marketing professionals a fact that comes to light is that customers usually invest in those properties where they find some kind of activity. If they see that work is on, then they invest. Selling flats, floors or plots on barren land is not an easy task. Selling a dream is not that easy unless you back it up with performance on the ground. Therefore what really makes them take the leap is trust that comes through visual evidence. http://cityofromance.in/
 
Nobody knows which project will create a storm in the market and which one will fall flat. Experts say that it is a huge task to read the minds of prospective customers. Some prefer to book their homes where construction work is on, but one more important thing is the image of the realty firm. The past projects and quality of work of the firm, stand as testimony for the potential investors to gauge and decide then on.

A large number of customers also take into consideration the size of a firm's portfolio - the larger it is, and the longer it has been in the market, adds value to its latest offerings. People go and book their flats and floors there. Also, the relationship shared between customers and an established brand is very important as no buyer is willing to compromise on the functionality and quality of the real estate product. The brand value of a developer affects the buying decision of customers. The popularity of a brand results in optimum sales and increased consumer awareness. This might be independent of the construction status of a particular project. 

At the end of the day, customers certainly give thumbs up to those realty firms which hand over perfect homes to their buyers with excellent tiling work in the kitchens and the bathrooms, with perfect sewage pipes and plumbing work. Quality of a project is directly connected to the reputation and image of the builder.

So, if you are into the real estate business, you need to have the right quality to get investors to notice you. You need to have the right hook. http://cosmicindia.in/

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Real Estate Investment: A healthy choice

It is common for investors to own multiple pieces of real estate, one of which serves as a primary residence, while the others are used to generate rental income and profits through price appreciation. For many people, real estate is the easiest to understand investment because it is simple, straight-forward and involves a fair exchange between a property owner (the landlord) and the property user (the renter).  As long as the hot water keeps flowing and the rent arrives on time, everyone is happy and benefits.  Investing in real estate is much more complex than this, though, because there are several different types of real estate investments including residential, commercial, and industrial, as well as real estate that trades on stock exchanges, which are called REITs.

Investment in Real Estate

Investment inreal estate has been booming as a top investment phenomenon to multiply the wealth. India Real Estate Investment has proven to be the highest yielding investment opportunity in the recent few years. The realty industry in India is at its zenith and is thereby attracting the maximum investment not just locally but overseas too.

However, there are various factors which initiate the investors to invest in real estate. Most important factors are better return and tax benefits. Real estate sector gives higher attractive returns as compare to the stocks and bonds. Also, one can avail huge tax benefits on investing in real estate. According to the report of the Technical Group on Estimation of Housing Shortage, there is an estimated shortage of 26.53 million houses during the Eleventh Five Year Plan (2007-12), which indicates the huge demand for the residential property in future and provides a big investment opportunity for the investors. This is another major reason to invest in this booming industry.

Many Banks and Financial Institutions like HDFC Property Fund, Dewan Housing Finance Limited-DHFL Venture Capital Fund, Kotak Mahindra Realty Fund, Kshitij Venture Capital Fund (A group venture of Pantaloon Retail India Ltd) and India Advantage Fund (ICICI), provide the funds for real estate development to the Builders and Developers for construction of these structures and to the investors. Therefore the funding becomes lot easier. Along with this there is more cash flow and value appreciation in the real estate investment. 
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The most important factor that has been a major factor for the growth of real estate and investment are the initiatives taken by the government. A major share of the FDI or the foreign direct investments is tailored to the Indian real estate sector these days. The Indian government is also putting in more money in real estate and many old regulations have been fine tuned to attract more money into the sector. The property tax act, the rent control system, land ceiling regulations have also been updated and made more investor friendly for people wanting to put their money into real estate. Along with domestic laws, the foreign exchange regulation act has also been made more liberal to get more people from aboard into Indian real estate buying, selling and investing.

These all factors indicate that real estate sector would be the hottest sector from the investment point of view.
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