토토사이트

1. Guide To Overseas Investing In terms of overseas investing, these days we are finding that exciting new investment opportunities are continually emerging in new markets. Long-gone are the days when investors only had easy access to more traditional markets like Spain and France! With globalization as an ever-increasing trend, property markets around the globe are becoming more accessible to potential investors where excellent returns are achieved. Low cost flights, the opening of local traditional markets, and the ease of local laws have all made investing overseas a straightforward and attractive option for many investors in recent years. The World is still a big place and you can rest assure that there is always a market on the up! However,

2. to find a growth market is by no means enough - any deal must be well structured and competitively priced in order to warrant investment. People typically look to purchase property overseas for 3 main reasons - * As an investment * As a holiday retreat * As a retirement home Of course many investors look for a combination of two or three of these when purchasing overseas. All three investment purposes are very different and it is important to define clear goals and a strategy before even beginning to search for the right investment. Knowing Your Timescale As with any goal, the first thing you must determine is the timescale that you want to work to. Will you look to hold your investment for many years and hold out for gradual capital appreciation, or buy off plan and sell within a few months? Both of these and other strategies can work well, but it is vital to define and stick to a definitive path before getting started. You must also decide whether you plan to buy-to-sell, rent, or do both. Many overseas investment opportunities will offer a few week's free-stay each year for the owner, and have a management team in place to organise the letting of the property for the remainder of the year. We recently offered such a deal in Antigua offering guaranteed returns for 8 years. Guaranteed returns are often ideal and very attractive for the less experienced overseas investor, as the developers' confidence in local demand is very high and reassuring for the investor. Location, Location, Location

3. 'Location, Location, Location' is probably the oldest saying in the property investment bible and the single most important factor to consider when looking to invest overseas! There are many factors to consider when choosing a location to invest, most of which we aim to cover below. You must be confident that the country you are investing covers a region that is either in demand, or has the potential to grow in demand over time. I have met countless investors who have invested in properties overseas for what they believed to be an absolute steal, only to find that they now cannot rent nor sell their property. If the location is undeveloped, you must consider how factors from the weather to the geographical surrounding will affect potential demand. The local political and economic situation is worth bearing in mind. In many nations, the government is offering incentives in the form of tax breaks and subsidies to encourage the construction of certain types of property. There is money to be saved and profits to be made if these are incentives are utilised correctly. The infrastructure of a nation is also vital to its continued success and growth. If this is not already in place, I strongly recommend looking into proposed extensions and improvements to infrastructure. Morocco, for example, is currently difficult to access by road, but the government has guaranteed the provision of necessary infrastructure to connect the costal resorts with the rest of the country and Europe via 1,000 kilometers of new roads, as well as increasing internal and external flights. Similar pledges have also been set out by the Bulgarian and Polish governments. The weather is also a key factor to consider, especially if the property is geared towards the tourist market. You want to be sure that the region you are investing in has enough natural sunshine or snow to ensure high occupancy levels during its 'high season'. Local Demand Local demand is always a key factor and must not be overlooked when investing overseas for several reasons. First and foremost, if you are buying with a view to rent then you need to be confident that local demand for your property is high enough for it to be rented for the majority of the year. You will need to determine the occupancy levels you are aiming for, and be sure that these are achievable and profitable. It is also worth looking at trends in local rental figures; the difference between stagnant rent levels and rising rents can make the difference between a lower steady yield and a rapidly rising income!

4. This may seem tedious, but figures are often readily available, and taking the time to research before buying can literally save (or make) you thousands of pounds over the years! Local demand is also very important in terms of exit strategy. When the time comes to sell, you will want to be sure that there are plenty of potential buyers not only in the form of overseas investors, but also locals. It is also vital that your investment property is competitively priced and affordable to the residence of the country you are investing in. When looking to invest overseas, it is always advisable to seek a good mix of local and international demand; the latter is by no means enough by itself. Commercial Activity Commercial activity is another important factor that is often overlooked. A country's development can be fuelled by a fast-growing commercial and business sector, and this can lead to rapidly rising property prices as locals are suddenly relatively richer and look to spend more money on their own property. Many investors overlook this factor when deciding to invest overseas, and can miss out on excellent returns. A prime example of this is in Sofia, the capital of Bulgaria. While the vast majority of investors look towards the ski and beach resorts in Bulgaria, the greatest gains are to be had in the city. This is where overseas companies are attracted by the relatively low costs of setting up and running a business. Labour costs are also relatively very low, but are now showing signs of steady growth as the city is becoming very commercially and economically developed. Property prices in the capital are following suit. Mortgage Markets Mortgage markets must also be investigated. In many countries, mortgage markets are not yet developed, and locals can borrow little or no money to finance their own home. If and when mortgages become available in these countries, locals will be able to borrow to purchase a bigger and better home, and the effect on prices can be astronomical! Likewise, you will need to seek advice on the mortgages available to you and other overseas investors. When taking leverage into account, it will at times make sense to invest in a growth market with greater levels of finance available rather than a high growth market with less finance available. This is shown by the following example (interest rates and all else held equal)

5. Purchase a property in Country A with anticipated growth of 20% next year with 90% finance available. Property Price £100,000 Purchase a property in Country B with anticipated growth of 80% next year with 0% finance available. Property Price £100,000 If buying in both countries and anticipated growth is achieved. Country A Deposit £10,000 90% Financed through mortgage Property value after year 1 = £120,000 After redeeming loan, you will have made a net profit of £20,000 using just £10,000. This represents a 100% return on the capital you have employed. Leverage working at its best. Country B Deposit £100,000 0% Financed through mortgage Property value after year 1 = £180,000

6. In this instance, you will have made a net profit of £80,000 using £100,000. This represents an 80% return on the capital you have employed. A phenomenal return, but not as high a return as that achievable in Country A when taking leverage into account. Seeking Advice So lots to think about! If you are inexperienced when it comes to investing overseas, then expert advice is vital. I would recommend speaking not only to solicitors about legal aspects of any investment, but also to investors who have already taken the plunge in the country you are targeting. Experience is priceless, and an existing investor can not only recommend ways in which you can save money, but also point out pitfalls that you may not have considered until it is too late. With any of the investment opportunities offered by Bueno Investments, relentless research is carried out before any opportunity is recommended to our investors. Local advice is also key to your research. It is very rare that a foreign investor will know a local market like the natives will. It is easy to visit a country and overlook many of the underlying issues that affect the local market and the people living there. Ideally, you will speak to locals with a neutral perspective of any deal before committing. The internet is also great for this these days - there are few places remaining around the World that do not have local websites with information and news on the area. Investment Strategy Within your investment strategy you must decide whether you want high yielding properties from day one with an instant cashflow, or whether you can afford to wait and profit from off-plan. There are some large and relatively swift profits to be made off-plan if investing with the right company at the right price. It is vital that the discount you are buying at is in fact a true discount, and that quoted timescales are realistic. In terms of checking prices, compare quoted sales prices with similar properties that have actually sold in the area. It is often useless to compare prices to those offered by other off-plan developers, as both may be drastically overvalued and need to be reduced in order to meet market value. It is also worthwhile checking the track record of the developer to ensure the reality and success of their promises in the past.

7. You should also make sure that you are 100% clear on the structure of any deal before committing. Unfortunately, not all of the developers out there are as up front as we expect, and you must be sure that you have investigated every last avenue before deciding to buy. Many developers will offer properties at prices that initially seem very competitive, but hidden charges are included such as furnishings which are drastically overpriced. I recently spoke to an investor who bought a property overseas, only to find that he needed to pay to have the walls plastered upon completion! Hidden costs like this can really dent your profits, so thorough research from the outset really is worthwhile. The decision to invest for rental income versus capital appreciation is often a difficult one to make, and depends on other financial assets and commitments you may have. When buying off plan, you are obviously tying up a portion of your capital in the short term, in search of high returns upon completion. There are very good profits to be made this way if you can afford to tie up your capital in the short-run and offset this temporary capital shortage with income from other high yielding investments. For more information on the importance of yield and cashflow check out one of our recent articles here. (link to Scott Goodall article on Cashflow) After You Have Purchased Once you have an investment property overseas, it is imperative that you have a good management firm in place to let and manage the upkeep of your property. Many investors leave organizing this important factor until their property is near completion only to find that there are few or no suitable management agents available at the price anticipated. Management costs are just as important as any other factor when calculating your monthly cashflow, and you should be sure that there is a suitable agent in place long before completion. Finally, taxation is an area that must be considered before investing overseas. If you reside in the UK permanently you'll need to pay tax on overseas income. If you live in the UK temporarily, you will be obliged to pay tax only on overseas income you bring into the UK. If a 'double taxation agreement' exists between the UK and the country in which the income originates, then you will not have to pay tax twice. If you do not reside in the UK then your situation will vary. Should you have any questions regarding taxation wherever you are from, you can email us or call the office and we will be happy to point you in the right direction. More here 해외토토추천 해외토토추천

8. ………………………………