Debt Vs Equity

GÆLD:

Unlike equity crowdfunding, hvor investorerne udlåne til eller blive aktionærer i en bestemt virksomhed, hvor risikoen er høj, our investors invest in providing loans which are secured against affordable property in Central London.

Debt is the safest type of property investment. It’s senior to the borrower’s equity which acts like a cushion to protect your investment.

All Central London Capital loans are secured against a property, providing investors with a fixed net return of 5% pa* paid monthly.

* Whilst your investment is secured against property, we are obliged to state that your capital is at risk.

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EGENKAPITAL:

Mens vi er specialiserede i at yde et højt udbytte ROI investeringer bakkes op af første opladning ved høj efterspørgsel overkommelig fast ejendom i det centrale London, Vi kan også gøre det lettere prime off-market og off-plan investeringsejendomme løsninger.

Før du køber en investeringsejendom til udlejning er det altid en god ide at beregne, om det vil være cash flow positiv eller pengestrøm negativt. Det er, vil ejendommen generere en indkomst (positiv) eller vil det kræve en månedlig kontant indsprøjtning (negativ)?

Egenskaber bør overveje de mange indkøb og årlig Holding Udgifter, når de køber en udlejningsejendom. Vær opmærksom på, at disse elementer vil variere, og at de ikke tager hensyn til personlige skattemæssige konsekvenser.

Indkøb Omkostninger:

Purchase price – the agreed price for which the property will exchange hands.

Renovation Costs – money budgeted for renovations prior to the property been made available for rental.

Agents Fees – It is reasonably common practice in London for the buyer to pay some or all of the real estate agent’s selling fees/commission. Imidlertid, i de fleste tilfælde er disse gebyrer betales af sælgeren, dette vigtigste afhænger af sourcing agent og typen og placeringen af ​​ejendommen.

Stamp duty – a duty placed on the purchase of a property charged by the local government for the registration of the property into the new owner’s name.

Privat, Company or Trust ownership – It may be more prudent to acquire the property in a dedicated SPV Company or Trust to minimise stamp duty.

Mortgage Application Fees – charged by lenders upon application to secure a loan to buy the property.

Travel Expenses – flights, billeje, og hoteludgifter afholdt, når de rejser til personligt at inspicere en ejendom.

Solicitors Fees – payable to the solicitor for all of the relevant legal work for the transfer of the property.

Research – books, local suburban reports purchased property portal subscriptions to research a suburb.

Accountants Fees – the property may be purchased in the name of a Trust or Company. Der kan også være en crossover her med advokat honorarer.

Council Rates Cutover – A vendor may have paid rates up to a time after the transfer of the property. Beløbet derefter delt mellem køber og sælger på en pro-rata.

Uafhængig Værdiansættelse / Engineers Survey Report – a vendor may choose to pay for their own independent valuation or engineers survey report to highlight areas of concern.

Miscellaneous – this will include postage, telefonopkald osv. Det er også værd at inkludere en begivenhed bør nogle af de ovennævnte omkostninger være mere end forventet.

Årlige Holdings Omkostninger

Mortgage Repayment – payable to the mortgage lender to repay the loan used to purchase the property.

Property Management Fees – if a professional property manager is appointed they will either charge a percentage of rent or a monthly flat fee.

Council/Municipal Rates – charged for collection of waste and upkeep of local services. Nogle gange er betalt af lejeren.

Maintenance – costs for repairs and maintenance on the property and it’s fixtures and fittings.

Bank Fees – account keeping fees charged by the bank.

Landlord Insurance – protection against theft, skade, manglende betaling af husleje, sagsomkostninger.

Letting Fees – some property managers may charge a letting fee for finding new tenants.

Pest Control – protection against pests and termites.

Cleaning – the property may require a thorough professional clean in preparation for new tenants.

Travel Expenses – incurred when visiting the property at times such as showing it to potential tenants or collecting rent.

Local Income Tax – may be charged by some local governments for the rental profits after any allowable deductions.

Land Tax – an annual tax on the value of the land on which the rental property is built.

Accountants Fees – payable for the administration of legal structures if a property is owned by a Trusts or Company.

Miscellaneous – again, Dette vil omfatte en beredskabsplan bør nogle af de ovennævnte omkostninger være mere end forventet.

Når alle disse omkostninger er indregnet i dine beregninger vil du være i stand til at afgøre, om en ejendom vil være cash flow positiv eller ej.

I afsluttende, det er vigtigt, at du søger professionel juridisk rådgivning, før du foretager nogen investeringer. Property investment is viewed by many as a very good investment and investment property in London is seen as a prime real estate investment.

Central London Capital has the expertise to provide a fully managed arm-chair investment property solution, to source, manage and grow an investment property portfolio that might include residential through to hotels and redevelopment projects.