Debt Vs Equity

DÍVIDA:

Unlike equity crowdfunding, onde os investidores emprestam a ou tornar-se accionistas de uma empresa particular, onde o risco é alto, 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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CAPITAL PRÓPRIO:

Ao mesmo tempo que se especializam em fornecer um investimento ROI alto rendimento apoiado pela primeira carga ao longo alta demanda de imóveis a preços acessíveis no centro de Londres, também podemos facilitar privilegiada fora do mercado e fora do plano soluções de propriedade de investimento.

Antes de comprar uma propriedade de investimento para fins de locação é sempre uma boa idéia para calcular se será o fluxo de caixa positivo ou fluxo de caixa negativo. Isso é, vai a propriedade gerar uma renda (positivo) ou ele vai exigir uma injeção de caixa mensal (negativo)?

Propriedades devem considerar as muitas compras e custos anuais Dadas incorridos na compra de um imóvel alugado. Por favor, tenha em mente que estes itens irão variar e eles não levam em conta as implicações fiscais pessoais.

Os custos de compra:

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. Contudo, na maioria dos casos, estas taxas são pagas pelo vendedor, este principal depende do agente da fonte e do tipo e localização da propriedade.

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.

Privado, 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, aluguer de automóveis, e despesas de hotel incorridos quando se viaja para inspecionar pessoalmente uma propriedade.

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. Também pode haver um crossover aqui com os honorários do advogado.

Council Rates Cutover – A vendor may have paid rates up to a time after the transfer of the property. O valor é então dividido entre o comprador eo vendedor em uma base pro-rata.

Avaliação independente / 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, telefonemas etc.. Também é útil incluir uma contingência deve alguns dos custos acima ser mais do que o previsto.

Os custos anuais Dadas

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. Às vezes, estes são pagos pelo inquilino.

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, danificar, não-pagamento de aluguel, custos legais.

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, isto irá incluir uma contingência deve alguns dos custos acima ser mais do que o previsto.

Depois de todos esses custos foram tidos em conta os cálculos que você será capaz de determinar se uma propriedade será fluxo de caixa positivo ou não.

no fechamento, é imperativo que você procurar aconselhamento jurídico profissional antes de fazer qualquer investimento. 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.