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Financial Benefits Of A Real Estate Market
1. Financial Benefits Of A Real Estate Market
A victim of foreclosure has to think creatively in order to find ways to take advantage of a good real
estate market. In doing so, these buyers may discover that the "rent–to–own" option provides many
advantages with only limitedfinancial risks making it a valid alternative worth serious consideration.
"Rent–to–own" options, vary state to state, but are legally binding contracts that typically involve a
renter leasing a home for a set amount of time with the option to purchase it at a future date for a
predetermined sales price. While the benefits of the "rent–to–own" option for victims of foreclosure
are interwoven, the renter's finances, material interests and reputation are all protected. The financial
benefits lie in a contract that ... Show more content on Helpwriting.net ...
The renter has the option to purchase the home at the predetermined price on that date regardless of
the home's actual value at the time. This option benefits the renter if the housing market values
increase. For example, if the market proves to be fast–growing, the renter has secured a purchase
price that will mostly likely be lower than the market value at the time of sale. Conversely, the renter
has the freedom to walk away if the predetermined sales price is higher than the market at the end of
the lease term.During the lease period, the renter pays the owner rental payments whichare typically
higher than the market rent and this portion the owner credits toward the purchase price of the home.
These accumulated credits are forfeited if the renter decides not to purchase the home which is a
minimal financial risk for the renter. The renter's material interests are protected in numerous ways
through the "rent–to–own" option which makes it quite appealing for those who have previously lost
a home to foreclosure. This option provides an immediate avenue to begin investing in a home
rather than waiting the typical three to seven years lapse time that most mortgage lenders require
between foreclosure and approval for a new mortgage. The "rent–to–own" renter can build equity in
the home through the premium option and the accumulated credit from each
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2.
3.
4.
5. Building A Real Estate Market
There are few certainties in life, but two of them are that they aren't making any more land and
people will always need a place to live. Combining these two certainties with historic low interest
rates and home values that have been appreciating in many parts of the country make investing in
real estate an attractive alternative to traditional investments. Good credit and a little cash or
leverage are all that is needed to become a real estate investor. Some investors look for short–term
gains in real estate by flipping rundown houses. Cash is needed in order to make the renovations to
rehab the house. Getting a mortgage for houses that are not a primary residence can be difficult and
potential investors could be competing against cash ... Show more content on Helpwriting.net ...
During the last decade, more investors have been jumping on the classic–car bandwagon, buying
antiques and otherwise prized automobiles. The demand has helped push the value of classic cars up
nearly 500 percent in the decade ending in 2015, according to the Knight Franklin Luxury
Investment index. Twenty five cars have been sold for over $10 million. Eight of those happened in
2015, including records for Jaguar ($13.2 million), Porsche ($10.1 million), and McLaren ($13.75
million). Incidentally, the record for a classic car is from 2014 when a 1962 Ferrari 250 GTO
Berlinetta fetched $38 million at auction. Why have classic cars experienced such growth in
popularity as an investment? The Internet makes it easy to determine a cars value and has allowed
more people to become savvy investors. Investing in classic cars is similar to many other types of
alternative investments like art, wine, and collectibles in that investing is a passion. An investor does
not need millions of dollars to invest in classic cars. Spending under $20,000 is completely
acceptable. Regardless of your level of investment there are a few rules to remember when investing
in classic cars: Find the best example of the vehicle possible for your investment level Rarity drives
value in classic cars so research how many of a particular make and model exist Buy a car that you
are passionate about so if the investment does not appreciate at least you have a vehicle you
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6.
7.
8.
9. Real Estate Industry In The Rental Market Essay
Real Estate Industry in the Rental Market
Abstract
"Real estate is land, all of the natural parts of land such as trees and water, and all permanently
attached improvements such as fences and buildings. People use real estate for a wide variety of
purposes, including retailing, offices, manufacturing, housing, ranching, farming, recreation,
worship, and entertainment." (Answers.com) In order to more specifically focus on a specific area of
real estate this discussion will deal with the housing industry of real estate. In this discussion, when
housing is analyzed it will be in the realm of rental real estate.
Uses of Land Like with any other commodity or resource the market for rental property is affected
by supply and demand. ... Show more content on Helpwriting.net ...
In interviewing real estate owner Thomas Seeley it became evident that one of the most important
decisions prior to purchasing a rental property was the cost of purchase along with the cost of
bringing the property up to code weighed against the amount of rent that could be charged for the
property. Thomas Seeley explained, "I am always looking for a property in major disrepair because
the amount of resources it takes for my company to bring the property within acceptable housing
codes is often justified by the amount of time it takes to pay for these repairs with the rents that are
collected." (Seeley) Even in the most difficult times of the real estate market which shows signs of
recession it appears that the rental market is not affected in the same way. "There are many uses of
land, and how much land is allocated to each use depends on the demand for and supply of land for
each use." (Microeconomics 403) With the recent increase in private home foreclosures many
individuals and families seek to find a quick solution to the need for a place to live.
Recession and Families Facing
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10.
11.
12.
13. Real Estate Market Collapse
In 2007 the real estate market collapsed leaving homeowners doomed. The collapsed had a negative
impact on the United States economy and it also had a negative impact on five million families
nationwide. Today, the real estate and mortgage market has significantly improved. This
improvement allowed previous homeowners to have a clean start. The situation of the market has
changed and advanced since the collapse. The homeowners that were affected by the real estate and
mortgage market collapse were known as boomerang buyers because most of the families are or
were allowed a second chance. As a result of the collapse, there were many mistakes that are
avoidable today as to lessons learned. The market crash was a devastation but over the years the
silver linings began comforting the nation. Today, many boomerang buyers are benefiting from their
past mistakes. Consequently, there were lessons learned, ... Show more content on Helpwriting.net
...
Lessons were learned for the greater good of the United States economy, the families that were
negatively affected, and also the real estate and mortgage market. Many large banks became hesitant
to approve loans for the families that foreclosed on their homes. This allowed many small banks to
take advantage and help these families. Over the years, the big banks began trusting the home
buyers again but not without precautions. Many banks required excellent credit reports and very
high credit scores. This was to assure the banks that these families were more than qualified to pay
their mortgages and to avoid a repeat of the real estate and mortgage market collapse. Today, the
market is continuing to improve trying to avoid past mistakes. The U.S. economy is now improving
as a result of the precautions the banks had taken. Before, there were not many limitations on being
approved for a mortgage loan but today the banks are strict in ways that protects the banks, the
market, and the
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14.
15.
16.
17. Real Estate Market Analysis
Ch.1. Real estate space and asset markets.
Space market ( the market for the usage of (or right to use) real property (land and built space); also
referred to as the real estate usage market or rental market. Demand side: individuals, households
and firms that want to use space for either consumption of production purposes. Supply side: real
estate owners who rent space to tenants. 1. Segmentation of space markets.
Both the demand and supply side are location and type specific. Therefore, real estate markets are
highly segmented ( Space markets are local rather than national, and specialized around building
usage categories.
Primary geographic units are metropolitan areas (or metropolitan statistical areas, MSAs) ✓ ... Show
more content on Helpwriting.net ...
– The southeast quadrant links the rate of construction to the total stock of built space available in
the usage market. The line relates the average rate of space construction per year to the total stock of
space that can be indefinitely maintained in the market.
On average over the long run, a certain amount of new construction per year is necessary just to
maintain a given stock of space available in the market.
The 4Q picture depicts a long–run steady–state equilibrium.
Property prices in the real estate asset markets, along with liquidity and volume of sales transactions
in that market, often appear to go through extended periods of rise and fall, related to the ups and
downs in the space market.
Chapter 6: Real Estate Market Analysis.
Objective:
The goal of market analysis is to characterize (both qualitative and quantitative) the supply and
demand of a specific space market.
6.1 General Features.
Practical market analysis needs to be simple and based upon realistic data so that it can be used
quickly and inexpensively. Also, this way it can be easily communicated and understood in business.
Thus, most analysis stems from direct and common sense procedures. There are different kinds of
18. analysis; whereas some market analysis focuses on specific micro–level decisions, others focus on a
broader and more general characterization of a broader market. The first type focuses mainly on
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19.
20.
21.
22. An Interview Of Mr. Connor 's The Real Estate Market And...
The report is based on an interview of Mr. Dean Connor, CEO, Sun Life Financial, which addresses
a major potential issue in the real estate market. The report shows the concern of
Mr. Connor regarding the dynamic real estate market and its effects on the elder Canadians.
According to Mr. Connor, the debts on the mortgage should be closed before retirement. The interest
rates are apparently increasing and this would decrease the value of real estate business soon. And
he is afraid that majority of the Canadians will be affected because most of their assets are tied up in
the real estate market. The report concludes by giving a Sun Life Financial survey result which says
that, 24% of Canadians are planning to use their home as the primary ... Show more content on
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The following sections discuss about the macro economic impact of the increasing real estate debt
on:
a. National income
b. Consumption, and
c. Savings functions of the citizen
Effect on Consumption
Improved standard of living is one of the major goals of the Macro Economics. And Canada has
maintained equilibrium with the income level of its citizens. But with increase in debts, the citizens
would not be able to spend. This affects the standard of living and impact the productivity of the
individual. If the real estate market does decline, politicians and policy makers are hoping to be the
prices level off gradually. An increased interest rate in the near future is predictable and this result in
a decline in the real estate market. This includes external factors like an interest rate hike or decline
in market that makes mortgage less affordable. In this scenario, the income is stable and the
consumption is dynamic. The ability of the individual to spend decreases as there is a huge amount
of debt associated with them.
Effect on Savings Function
The issue also affects the savings function of the citizen badly. Increasing debt reduces the ability of
the individual to save for their future. Increasing debt and altered saving functions are the rising
concerns in today's world. Economic experts suggest that the debt payment should go parallel to the
emergency and retirement savings. They also point out that having a house with minimal
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23.
24.
25.
26. The Real Estate Market Is A Completely New Country With...
For some, the real estate market is a completely new country with its own language and culture.
People are not quite sure what a Real Estate Open House is. Certainly, if you have been invited to a
holiday Open House, you remember a gigantic cocktail party at a neighbor 's house or a homey
buffet where friends and family are all trying to talk and hold plastic plates piled with a concoction
of edibles, at the same time. Well, Real Estate Open Houses are quite different. They are held for the
purpose of showing a house for sale to potential buyers. Sometimes there is food on hand but the
purpose of this outing is not social conviviality, but business. Here are some types. Category 1. The
Open House for Realtors Let 's say, you have selected a particular real estate agent and you want her
to handle the sale of your house. If the agency belongs to a multiple listing organization (and most
of them do) they will thereupon hold an open house for the other agents in the area. These may
include agents from their own broker 's office and agents from other offices. Your agent will ask you
to get your house in ship–shape. That means she wants you to have everything cleaned (windows,
carpets, etc.) and have all the clutter put out of the way. She will probably ask you to leave the
house, and to take your dog, cat, and children with you. She may choose to provide some finger
food and coffee for the prospective agents (and ask you to foot part of the bill) or not, according to
the
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27.
28.
29.
30. The Real Estate Market : Barre, Massachusetts Is A Small...
Barre, Massachusetts is located in the center of the state, a small town of approximately 5,000
people. The real estate market there is average, with some new homes being built and families being
drawn to the area for its small–town charm. Though it is a smaller community, routes 32, 122, and
62 are easily accessible and provide access to many larger cities including Worcester and
Leominster. Many families that live in town have family members that travel to work in the larger
cities. There are currently sixty homes for sale in Barre, MA, with the majority of them in the
$250,000 to $300,000 range. Most homes in this range have three bedrooms and from ½ to 2 acres
of land. Styles of homes in Barre include antique homes and farmhouses as well as newer, modern
construction. The homes are located in neighborhoods for the most part, with a few located on
busier routes on the main streets. While most homes for sale are in this middle range there are a few
homes with more acreage and four bedrooms for sale upwards of $500,000. At the other end of the
market there are a three houses for sale under $150,000. These homes are smaller, with two
bedrooms, and are in need of some repairs and upkeep. While Barre is small, the town does have a
small grocery store, the IGA, as well as a hardware store, a pharmacy, two gas stations and two
banks. There are plenty of restaurants including an Uncle Sam 's, a Dunkin Donuts and a Subway.
The Barre Mill is an informal, family restaurant with
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31.
32.
33.
34. The Las Vegas Real Estate Market Essay
I 've been investing in the Las Vegas real estate market for several years and currently own a few
rental homes there. This market used to be very good to me. Now, I take a financial loss on every
rental property owned in Clark County Nevada. The Las Vegas real estate market has not fared well
with the roll of the dice. The only winners in this game of roulette have been the banks. Speculators
are convinced Las Vegas is paying the price for all its sins, as if the state of Nevada is being forced
to pay a karmic debt through an endless sea of foreclosures. I suppose they could be right, but
considering the entire country is littered with bank owned homes I 'm thinking blame rests with
greedy Wall Street investors, not the powers of the Universe. Vegas has taken a hard hit on many
levels. It 's difficult for a city that relies on people tossing around disposable income to survive
during economic recession. As the tourist industry declined a lot of people lost their jobs. Before
long they lost their home to foreclosure. In the past 2 years, nearly 20,000 residents have moved
away from lack of employment opportunities. I have a rental property located in a community hit
hard by foreclosure. Each time I drive by the house I look out over an endless sea of short sale and
bank owned "For Sale" signs. It 's become such a ghost town I expect to see tumbleweed rolling
down the middle of the street. I was talking with a realtor friend who makes a living selling high–
end real
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35.
36.
37.
38. The Impact Of Multifamily Residential On Real Estate Market
Multifamily residential is a sector in real estate market. It is a type of housing "where multiple
separate housing units for residential inhabitants are contained within one building or several
buildings within one complex (Resource: Appendix 26)." The classifications of multifamily housing
are various. According to the methods of classifying online (Resource: Appendix 27), the
multifamily are divided into duplex or semi–detached (in some cities, it is called two–flat), three–
flat, four–flat, townhouse, apartment building, mixed use building, and apartment community.
Although multifamily targets for the number of householders are over one, each sub–segment of
multifamily has different targets and focuses. Based on the variety of geology, demography, climate,
hydrology, culture, history, and other factors, each sub–segment fits in different lands or cities. For
example, duplex is common in Milwaukee (Resource: Appendix 28), because duplex is popular in
Poland, and Polish immigrants built those houses to live in. In Chicago (Resource: Appendix 29),
duplex is an old signature of American workplaces and living houses, and they are reserved in
Chicago to satisfy the needs of residents there.
A duplex house is "a dwelling having apartments with separate entrances for two households. This
includes two–story houses having a complete apartment on each floor and also side–by–side
apartments on a single lot that share a common wall. By contrast, a building comprising two
attached
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39.
40.
41.
42. The Real Estate Market Of 2008 Is Notorious For Sparking...
The real estate market in 2008 is notorious for sparking one of the largest housing bubbles in
history. In order to understand the housing market during the bubble you need to recognize the
events that caused it. This was simply an economical failure from the hands of some of the most
well–known financial institutions and the Government. Going back to 1997 to 2006, if you take a
look at the Case–Shiller Home Price Index (the leading indicator for the US housing market
residential prices), you will discover a rise in nominal home prices of 188%. Although there is not a
lot of consensus that uncovers what sparked the housing bubble, countless people have spoken their
opinion in regards to this: misguided monetary policy; government policies pushing home
ownership, consumer speculation of rising home prices, and lower housing supply. These examples
can't fully explain the crash, but they can provide insight as to what may have happened or at least
contributed to it. This article goes into depth on some of the explanations to the housing bubble and
how the burst of it eventually led to the credit crisis which sparked the entire recession in 2008.
Starting back in 1997 when the residential prices began to appreciate into 2003, the rising home
prices can be examined through economic fundamentals. These fundamentals explain the price of
buying a home in relation to rentals and interest rates – meaning that the housing market was not
overvalued. Post 2003–2004, the
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43.
44.
45.
46. The Real Estate Market Crash
During the real estate market crash in 2007–2009 more than 8.5million people lost their homes as a
result of foreclosure. Some of these home foreclosures were the result of the typical reasons that
people often lose their homes such as illness, divorce, poor money management, death of a spouse,
or legal issues. However, during the real estate crash of the last decade most foreclosures were the
result of some circumstances that were unique to that time. The national unemployment rate soared
during this time, peaking in 2008, where more than 1/10 people were unemployed. The economic
recession that preceded the real estate crash put others in financial distress as stocks lost value and
investments were not providing the previous returns to which investors had become accustomed.
The real estate boom of the early 1990s (that preceded the crash) saw home prices soar, but when
housing prices dropped significantly during 2007–2009buyers were unable to make enough to pay
back original loans (being underwater on a loan). These loses that people faced were caused by
predatory lending practices, such as interest only loans in which lenders made their profit from the
buyersbefore the buyers accrued any equity.As unemployment rose, many people did not have the
finances to pay for their homes which lead them to foreclosure,leaving them infinancial ruin. By the
end of 2009, these people's credit had been damaged (making it tough to obtain future loans) and
they were scared to make
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47.
48.
49.
50. Home Owners And The Real Estate Market
You've been foreclosed on, you are in the hard–working middle class, but you were taken by
surprise in the financial crisis, what's next? This individual is called a "boomerang" buyer, according
to to bankrate.com they are an individual/s who have a checkered past thanks to a foreclosure but
are currently entering the real estate market in search of a home they would like to own. Some of the
unfortunate realities for boomerang buyers include a wait time (the FHA imposes a three–year wait
to obtain a new FHA loan), time to build up your credit score, or even time to find viable income.
Some might ask, there must be a different way than just waiting for times to change? Indeed, there
is. It's called the rent–to–own option, among others.
Many ... Show more content on Helpwriting.net ...
Often sellers are placed in the situation where rent–to–own becomes a real possibility when their
home has been on the market for too long, and they have obligations for it. This puts them in a tight
spot, and can cause unfortunate consequences. Luckily the answer to achieving your end result
(selling the house) could be renting it for someone to own down the road. The intentions between
both parties must be clear, and often they can be muddled.
Consequently a clear contract between the parties is a must, and it is recommended that you
FORECLOSURE.COM SCHOLARSHIP ESSAY "1 obtain some–sort of legal help to ensure the
contract is clear and there are not unintended (on intended for that matter) caveats that could affect
either party negatively. If the rent–to–own option is not something that works in the situation there
are other options such as wraparound financing or a land installment contract that might be viable
options for buyers in the
"boomerang" situation.
Wraparound financing per HowStuffWorks.com is an alternative often used when the seller has a
mortgage on the home, and the buyer has sufficient income, but for a variety of reasons, is unable to
obtain a mortgage. A promissory note is signed between the buyer and the seller, often the seller
makes the interest rate slightly higher then his current payments (to make an extra buck), and the
payments from the buyer are put towards the sellers
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51.
52.
53.
54. The Housing Market: The Miami Real Estate Market
For the past years, the economic highlight was placed on the real estate market. Due to ominous
conditions of the housing market, it is only natural for people to shun from purchasing real property
– the same goes for sellers. Fortunately, the real estate arena has been silently picking up in most
states especially Florida. The Miami real estate market conditions are beginning to turn for the
better.
Market Conditions
Without looking deeper into the real estate market conditions of Florida, most people would
conclude that property sales are taking a nosedive for the worst. That apparent illustration is very far
from the truth. In fact, experts reveal that home sales of the Miami real estate market are beginning
to soar and projected to
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55.
56.
57.
58. How Can Buyers With Checkered Pasts Best Take Advantage Of...
How Can Buyers With Checkered Pasts Best Take Advantage of The Current Desirable Real Estate
Market Conditions? By Amber Stahmer, Western Michigan University –Student ID ktp3097 Thereal
estate market is currently more than adequately stocked with reasonably priced, available properties
in all types of conditions, that when sold will help our economy grow. In fact, on a recent MSHDA
webinar, it was stated that another few thousand homes that have been held in order to keep the
market from flooding,are being released for sale by the New Year. This means that there will be
even more homes available for potential homeowners to purchase. The challenge to getting these
sold is to turn potential buyers into actual buyers; possibly by matching ... Show more content on
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There are many options that buyers with or without checkered pasts can pursue to take advantage of
the current desirable market conditions. One way a tentative buyer might put "one foot in the water"
towards homeownership again, is to get educated on exactly what options are available. Many
people have difficultytrusting banks after they have been foreclosed on, and appreciate knowing
there are other places to turn for advice and information. It doesn't matter where a person lives in
our country, by simply dialing 211, the National hotline, a person can be directed to the nearest
homebuying class, and receive information about other services in their area that might help them
with area assistance regarding food, employment, health care, counseling, and down–payment
assistance, which all are contributors towards staying within a budget and ultimately affording a
home. There has been tremendous effort in recent years on the part of our government to fund non–
profits and other organizations who commit to providing education, budgeting courses, and home–
buying classes, along with one–on–one counseling by certified counselors, as they move towards
helping people reach their goal of home–ownership. Some of these organizations also have income
based housing available for rent while the potential purchaser is
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59.
60.
61.
62. Buying A Home : The Story Of Kito And Evie's Real Estate...
Buying a home was a significant financial step, therefore, to make the transaction a blessing, Evie
realized that it was important to prepare for every aspect of the process. Uncle Leo and Netty also
longed to own a home and although at this point, Evie had only verbalized her desire to do the same,
she had not investigated the Real Estate Market, while Uncle Leo and Netty frequently spent week–
ends touring Open Homes for sale in the hopes of finding the right one for them. Independently,
they explored various neighborhoods in and around Redwood City, searching for desirable areas in
which to buy property. While exploring the neighborhood where Kité and Nini once lived, they
came across an older Spanish–style home, located on a corner ... Show more content on
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Awaiting our arrival, the Sales Agent greeted us with a smile and introduced himself with a hearty
handshake, his name was Wesley Haydock; an independent Real Estate Broker. "Welcome to 245
Alden Street," he said, as he handed Mom and Uncle Leo his business cards. "It's hard to believe
that there is a house under all this brush, isn't it? I've been told that pedestrians cross the street to
pass this corner. A boogeyman might be hiding in these bushes!" Mr. Haydock's comments did not
discourage Evie, she admired his sense of humor and was eager to tour the home. As the Sales Agent
lead the way to the front porch, the house came into view. Built in 1924, it was a Spanish–style,
single story, bluish–green bungalow with a large welcoming porch. Mr. Haydock unlocked the glass
Mission–style, exterior entry door with a skeleton key and invited us to enter and look around. The
house consisted of a living room, dining room, a kitchen, two bedrooms, a bathroom and a mud–
room with an entrance to the large backyard. Immediately recognizing the potential old–world
charm of the dwelling, the house spoke to Evie's heart, notwithstanding, every room in the house
was painted a mocha shade of brown, with the exception of the yellow kitchen and a blue bedroom.
A large mantle over a brick fireplace with a gas insert, flanked by a
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63.
64.
65.
66. Detroit 's Real Estate Market
The racial undertones of Detroit have been extremely problematic to Detroit's real estate market for
well over 50 years. These social disruptions continue to have an effect on the current residents of
Detroit. During the middle of the nineteenth century, the Federal Housing Administration (FHA)
introduced real estate tactics such as redlining, which is the practice of flagging minority dense
neighborhoods for the purposes of denying approval of mortgages or inflating the price of the
homes. Redlining had a profound social and economic effect on all residents of Detroit. The white
majority began abandoning and selling their homes in fear that the value of the home would
plummet, leading to a great financial loss when minorities moved in the area. This idea is known as
white flight, and is the primary reason that Detroit has one of the highest African American
populations in the country. However, through revitalization and gentrification of the
Midtown/Downtown area, Detroit is slowly becoming more diverse. Throughout history, racial
politics of the mid–to–late twentieth century affected Detroit 's real estate market by excluding
minorities from the real estate market. Although adding stadiums, high end retail, small shops, and
restaurants is economically valuable to the city of Detroit, this is conflicting and potentially
problematic for the original residents of the area because the prices of these new establishments are
often much higher than the residents can afford.
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67.
68.
69.
70. The Crisis On The Real Estate Market
House bubble situation on the real estate market is presented by condition when there are low supply
and high demand at the same time, which causes shortage on the market. (Yoshino, Nakamura and
Sakai, 2013). Moreover, house price bubble is always associated with speculators who are buying
houses with the goal to resell it in the short term. These conditions appeared on London real estate
market and caused «Bubble Trouble». This essay will discuss main causes of the bubble, matters of
its bursting and danger, connected with bursting.
Very high indexes of demand in London are mostly caused by several components, such as:
desirability of London, job opportunities and real estate market seen as investment.
London is considered to be one of the most desirable cities to work and live in (Kollewe, 2014). One
of the reasons of this indicator is connected with «best jobs and economic opportunities".
(Chakrabortty, 2014). Moreover, people want to move to London, considering «high salary
prospects, public healthcare and cultural diversity". Vast majority of foreigners (65 percent) consider
buying property in London as investment (Statista, 2013), without goal to let for rent or live there
(BNP Paribas real estate guide to investing in London, 2013). This is the most popular «alternative»
investment. (Gardina, 2010), which allows diversification of portfolio and spreads risk in the long
term. (Mattson–Teig, 2014). This increasing percent of not–to–rent type of property causes lack of
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71.
72.
73.
74. A Booming Real Estate Market
In a booming real–estate market, making money investing in homes is easy. Buy a house, slap on a
new coat of paint or replace the carpeting and ride the appreciation train to a quick, profitable resale
a few months later.
When prices decline – as they have in the Puget Sound area over the past two years – the scenario
changes. Most home investors disappear, as the risk is too high that property won 't be worth more
in a few months.
The few who remain have experience and investment partners or other funding sources to avoid the
loan process. They also know how to fix up homes fast and cheap, to keep expenses low.
"It 's a definite science," says longtime Bellevue investor Will Heaton, who 's partnered with other
investors to buy 15 homes this year. "If you don 't know what you 're doing, you could lose money."
In hot markets, home investors are often derided as speculating "home flippers," and criticized for
driving up prices. But with prices down, investors say they 've been welcomed, particularly in
neighborhoods where foreclosed homes sit empty.
Most local real–estate investors are still on the sidelines, waiting to see prices trend upward again,
says Katherine Swanberg, president of the investor group Real Estate Association of Puget Sound
(REAPS). "We think 2010 will be the turning point," she says.
Until then, investors braving the current housing market say that if you 're patient and buy right,
there is still money to be made buying and reselling homes.
Here
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75.
76.
77.
78. The Financial Crisis Devastated The Real Estate Market
The housing sector had served as the backbone of the US economic growth and investment
opportunity that propagated several US families into middle–class status. The financial crisis
devastated the real estate market that left many institutions facing foreclosure and stripping families
of the accumulated wealth. Job growth rate was affected by the crisis since businesses faced closure
for lack of access to money hence massive downsizing. Slashed spending was experienced in states
in education, public assistance programs and the transportation sector to recoup the losses . Families
were affected by the shrinking of the public workforces through the cuts in state and local public
employees. The significant labor changes in the states affected many American families, and the
myriad lessons led to the implementation of changes to reawaken the economy. The economic
situation in the US since the market crash was caused by the housing crisis. The calamity showed a
significant improvement with the new generation of boomerang buyers getting back into the market.
The lessons learnt from the market crash are innumerable. They discovered the hard way since the
government, Federal Reserve, and related financial institutions failed to scrutinize the effects of
high–risk loaning . Many people in the United States economies lost their homes, lost their savings,
and a good number of jobs got lost as well. Retirement accounts held by social security institutions
got drained with the
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79.
80.
81.
82. The Real Estate Market Is Tough At The Moment And Agents...
Nobody is denying that the real estate market is tough at the moment and agents–even the good
ones–are struggling to put food on the table. Thousands of agents have already left the industry and
thousands more are contemplating their futures. While things may appear bleak, some agents are
still doing well. They are the ones who take a different approach and dare to do things differently.
Even though there are more listings on the market than ever before, securing listings is still the best
way to generate extra income. While the reasoning is logical: the agent "owns" a listing, gets paid
when the property sells–regardless of who sells the property, many agents forget this and assume
that nothing is selling. Fact is, some property is still selling–just like it did in the great depression.
And, many people and companies made their fortunes during the depression because the
competition gave up. Even though thousands of agents have left the industry, there are still many
good ones left–and these people are competing for every single listing like they are mining for gold.
There are also unethical agents out there who will do anything to get a listing–including lying to
sellers about how much the property will sell for, telling the owner that his or her home is worth
more than every other property marketing their area, promising to spend thousands of dollars on
advertising and falsely informing them that they have hundreds of buyers in their Rolodex who are
ready to make an
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83.
84.
85.
86. The Real Estate Market Crash
From the real estate market crash in recent years I think there are three main points to be looked at
and learn from: Panic, "Too big to fail", and banks' lending habits. The housing market crashed and
caused a lot of damage in the economic state of the U.S.; there was wide spread panic and confusion
on which direction the market would soon turn. Thankfully we have recovered and the boomerang
buyers who found deals in the low pricing and took action were handsomely compensated for the
risks they had taken. Without those individuals who began to hold true to faith that things would
turn around we may not have been so quick to hit to bottom of the recession and begin to rebound.
One of the largest problems I feel caused this catastrophic status was the lending branch of the
banks. There is a calculable number for each borrower or set of borrowers that takes into
consideration the income and debt and formulates what sort of mortgage the borrower could afford.
When simply looking at this formula its perceived to be a justifiable idea: only lend what can be
surely paid. However, that is where flaw number one comes in. For a bank to make money they need
to lend money; they then make interest off of their outstanding loans. It is in the banks best interest
to loan as much at the can. And the word can was quite stretched. FDIC member lending intuitions
are required to keep X% cash on reserve that is from account holders and they use it against their
loans. During this crisis the
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87.
88.
89.
90. Cadim: the China and India Real Estate Market Entry Decisions
Cadim: The China and India Real Estate Market Entry Decisions I. INTRODUCTION Cadim is a
real estate division of Caisse de Depot et Placement du Quebec (Caisse), Canada's largest pension
fund management firm. Caisse is the largest institutional investor in Canada, overseeing more than
$245 billion in assets and carrying out more than $12 billion in transactions daily. Cadim is one of
Caisse's three real estate divisions comprising around 6.23% of Caisses portfolio ($15.3 billion).
Cadim focuses on residential and hotel markets, while the other two real estate arms focus primarily
on shopping malls and business. ... Show more content on Helpwriting.net ...
To draw a comparison, the US GDP is calculated by real estate sales, not allowing the US to
artificially inflate its GDP just by producing. Currently there are around____ ghost cities in China
capable of holding around_____ people. These ghost cities have and will most likely remain vacant
because the avg. cost to rent or by one of these newly constructed residences is far above what the
avg. Chinese is capable of affording. Despite the rampant vacancies the Chinese government still
continues to fund massive construction indicatives. India: General: India's economy is booming!
With large decreases in poverty, increases in literacy and GDP, India is continuing to make its way
out of the third world and into the first. India is predicted to surpass even China in growth by 2050.
A competitive private capital market has instilled Indians with a low cost high quality mentality and
has resulted in some of the highest return rates for any country. India has been averaging 6% growth
compared to China's 9.5% with half the investments. India capital efficiency is one of its strongest
economic benefits. Despite this India is still a complicated place for foreign investors. A weak
parliamentary government has very little purview over the provincial and local ministers who were
elected entirely separate from federal elections. The fragmented nature of the country's political
system has and will continue to prevent major
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91.
92.
93.
94. The Real Estate Market Hit Rock Bottom
When the real estate market hit rock bottom, trust was broken between the lenders and the
borrowers. The lenders of financial institutions no longer trust approving loans to less than perfect
borrowers, while the borrows no longer trust lenders to give them a home ownership deal that they
can not only afford, but won't devalue their property and leave their homes underwater in the future.
The economy is recovering, albeit slowly, yet both lenders and borrowers feel that trust has been
broken. How does each side fix the relationship in order to not only help the economic growth of the
real estate market, but to help borrowers become homeowners? How can those who were once
homeowners that fell victim to the economic downturn find their ... Show more content on
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The rent–to–own option may be an excellent opportunity if a millennial has a steady job and can
afford the rental payments on a simple house. This goes back to trust between the lender and the
borrower. The majority of millennials have rental history from living off–campus or renting their
first few rental properties from their entry level job, but have put off home ownership due to
worrying about student loans or other debt. The rent–to–own option would help with the economic
recovery since this group is now transitioning into adulthood. This option would also help many
young buyers become homeowners and possibly, second homeowners when they transition into
middle– adulthood and senior citizens in a few decades. The "Boomerang Buyers" have most likely
re–established themselves during the economic recovery. Although this group may have credit cards,
they may not have a major revolving loan (such as a large line–of–credit or a car loan), which would
make it harder for them to be approved for a mortgage. Some of these home owners may have
walked away from their home if it were considered "underwater" and some may even have filed for
bankruptcy for a fresh start, so their credit scores may be considered "fair" by industry standards.
Although these buyers may have paid their bills on time for the last few years, the industry still
looks at their past since it stays on their credit report for
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95.
96.
97.
98. America's Real Estate Market
In today's real estate market, it can be a scary investment to purchase a home, especially if you feel
like you failed the first time around. I know dozens of people who purchased homes years ago
during the real estate boom, and eventual crash. People were left with a defeatist attitude and
wondered if they would or could ever own another home again. And quite frankly, being a
homeowner became less and less attractive to them. It seems that as of late, there has been a shift
and a more optimistic outlook on the housing market and those same foreclosure victims appear to
have a fighting chance at owning a home again. More options are available to them that provide
more of a safety net and opportunity for success this time around.
As of October of 2014, the average rate for a fifteen year fixed–rate mortgage has dipped to its
lowest level since June 2013, at 3.08%, according to Freddie Mac's weekly survey. This is a tenth of
a percentage point lower than less than a month ago, and down from 3.36% earlier this month. Rates
for 30–year loans have also decreased 0.05 percent at 3.92%. For existing homeowners with
mortgages only a few years old, borrowers can switch their existing thirty year loans for a new 15–
year loan at the current rate. These homeowners would be able to afford slightly higher monthly
mortgages but save more money long term in interest by cutting the term of the loan in half.
It is predicted that the latest international turmoil has assisted in this
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99.
100.
101.
102. The Mortgage Crisis : The Real Estate Market Essay
The mortgage meltdown is the period where the real estate market noticed a steep increase in home
foreclosures that led to a period of insanity in 2007. This meltdown was the driving factor behind
the economic recession that burdened the United States' economy in 2008–2009. To begin, the
housing bubble popped. The housing bubble was the highly overvalued real estate market. The burst
of this bubble, which led to the financial crisis, was a correction to the overvalued real estate market.
The real estate market, like any market, is subject to the basic law of Economics: supply and
demand. It began with subprime lending all over the United States that showed a jump in demand or
shift in the demand curve to the right. Subprime lending is where banks grant mortgages to
individuals with poor credit history. In time, the individuals defaulted of their loans or failed to
make payments.
The presence of Mortgage Backed Securities (MBS) in many family's hedge fund, mutual fund and
pension plan investments gave the subprime lending of small local banks a nationwide impact.
Mortgage Backed Securities originate in a regional bank, these smaller banks then bundled up many
mortgages and sold the bundle of mortgages to big investment banks. The negative impact would
have been limited if it had not been for the large presence of MBS in the many common investment
portfolios. These investment banks then make a corporation and put the mortgages as assets of the
corporation. From there, the
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103.
104.
105.
106. How The Real Estate Markets Changed This Year Essay
How the Real Estate Markets Changed This Year
For years, the Vancouver and Mexico real estate markets have been inundated by foreign investors,
particularly those from China. As a licensed Realtor, and expert in these markets, I have been
noticing a remarkable trend in the last year. There are significantly less investors snatching up real
estate in Vancouver, thus when seeking a home, or seeking to market to those seeking to purchase a
property, new strategies are needed from White Rock to Aldergrove. Change can be scary, but fear
not, I, Antonio Vargas, am here to be your guide. First, since there has been an approximately 96%
plunge in overseas investors in Canada, we need to work together to adjust our home buying
strategy. No longer can you expect most real estate properties to have multiple all–cash offers.
Additionally, there are fewer newly renovated, aka flipped, properties. Having done rehabilitation
and resale of properties myself, I understand the lure of these newly renovated properties. However,
as your trusted advisor, I can tell you that purchasing a property that needs a bit of work can be
immensely more financially beneficial. Here are the two things homebuyers need to know, and
conversely those wanted to get property buyers to their locations need to understand.
➢ In the absence of abundant full cash offers, homebuyers have more opportunity to negotiate
lower sales prices for real estate, since they have less competition. In order to attract these
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107.
108.
109.
110. Real Estate Market In Mississauga
Real estate market in Mississauga has received a significant growth for the last few years. Keeping
pace with the demand of the day and more to meet every specific need of people, many investors,
realtors and real estate groups have come to invest in Mississauga real estate market. The trend of
investing in Mississauga property has been increasing day by day.
Now there are almost all types of condos available in Mississauga. Most of these condos have been
designed for meeting different types of customer needs. There is 1 bed condo in Mississauga for
meeting the needs of a nuclear family. Side by side, you will find 2 bed condos for medium–sized
families. Furthermore, there are 3 bed condos for a joint family. Most of the 3 bed condos are
available in two categories– affordable and luxurious. Affordable condos are cheaper in rates. On
the other hand, luxurious type is quite expensive. Luxurious condos are designed for elite–class
people. Like 3 bed condos, 2 bed condos come with two different options– affordable and luxurious.
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If you are a common man and a bachelor, you can buy this flat to live comfortably and happily. This
will give you both comfort and pleasure. Most of these are designed for residential uses.
It is an undeniable fact that with the increasing demand of personal flats, the number of service
provider has increased significantly. Most of them promise you to offer quality accommodation at
the most competitive prices, but in reality what they do is just the opposite. This is why at the time
of choosing a property developer, you must be careful about it. You must consider a number of
things to find out a professional property developer.
Given below are the tips how to find out the condos for
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111.
112.
113.
114. Real Estate Market Essay
My paper is about the recent situation and growth in the Hudson real estate market. I spoke with
Kira Blair who works at Wells Fargo bank as a personal banker. Her impressions reflect what I've
found in my literature research, which is firstly about the trend in real estate market. Kira said the
trends of the rental market is that the need for lower rental for young people will continue to
increase because younger people were unable to afford the mortgages when they enter the workforce
for the first time. So without the funds to make a down payment or the credit to be approved for a
mortgage, young people opted to rent and they may continue to rent in many years. Kira said that
the demand for buying houses or apartments are not as much as ... Show more content on
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Furthermore, Kira told me that the most difference between today and the bubble years before is that
the bank has a strict regulation for the "credit box". During the subprime mortgage bubble years, the
bank didn't qualify the customers whether they have income or they have job and ability to pay for
the loans which is a significant reason for the bubbles and thus a lot of people lost their home at that
time. For the credit score part, Wells Fargo's standards are Excellent (760+), Good (700–759), Fair
(621–699), Poor (620 and below) and No Credit Score. A good credit score shows that you've
responsibly managed your debts and consistently made on–time payments every month. She said
that the credit score matters because it can impact your interest rate, term, and credit limit. The
higher your credit score, the more you may be able to borrow and the lower the interest rate you
could receive. For example, if you want to borrow a loan amount of $15,000. For an excellent credit
status, the average APR is 5% and the monthly payment is $352. For a good credit status, the
average APR is 5% and the monthly payment is $391 and for a fair credit status, the average APR is
15% and the monthly payment is $427. It is obviously that the credit score has a significant
influence for the loan payment. If you do not have a high credit score, you have to pay more every
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115.
116.
117.
118. The Real Estate Market
Slam! When you hear the final time your soon–to–be home's door closes, it takes more than just a
roof away, it takes out a bit of your heart along with it. You have once had hopes, aspirations, goals
for this home, and now they are stripped away from you because of the economy collapsing.
However, recently the buyers who were once remorseful, are now in a position to take back new
homes and start their families thank to the turnaround of the real estate market. Still, they are
hesitant of making a commitment to a home because of the trauma they had previously faced. This
has created multiple ways to put the buyers' minds at ease as they are still working toward attaining
a new lease/mortgage.
I had lived in Merced, California from 2006 up until 2010. This time frame will go down in history
as probably the worst time to have tried to rent, own or live in that town due to the skyrocketing
amounts of the foreclosure that occurred there. We always rented from owners that seemed unsure of
letting go of their property, and this hesitation in letting go of their 'for rent' houses always came to a
conclusion when we found out we were losing that house. Merced was one of the foreclosure
capitals of the entire country, and no one decided to tell my family. We averaged a move about every
seven months, and we were so used to packing up and unpacking boxes among boxes. Soon we just
came to the consensus that we should save all of our boxes and leave some of the less important
ones
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119.
120.
121.
122. Current State of the Real Estate Market
When an individual is asking about the current state of the real estate market, they should be ready
for a complex answer. Many think of real estate in local terms and far too often neglect the
importance of giving consideration to the national level. Additionally there are forces such as the
state, county, city, and federal governments; as well as banks, the federal reserve, life insurance
companies (this will be of particular interest when "Baby Boomers" begin departing and a large
influx of payouts reduces the leverage of a once major player in real estate markets),
environmental/ecological factors, employment outlook, intent of purchase (rental, personal,
commercial) as well as many others to be considered.
All things considered, 2013 was a good year in real estate, though miles away from the peaks of
2006. Home prices on average were 31.5% less than they were in 2006. However, prices rose by
10.9% in 2013, as reported by Clear Capital; a company who monitors the markets in 276 cities and
has shown an increase in property values in 225 of those markets for the 2013 year. Now is a great
time to buy. With prices and interest rates so affordable, it is truly a buyers market. Especially those
looking for investment properties. These individuals looking for a property to either live in for a
while, such as raising a family, or to rent out will see a significant return on their investment when
the time comes to sell. As with any investment, a little patience is all you need.
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123.
124.
125.
126. Market Value Analysis Of Local Real Estate Broker
The market value analysis will be either an appraisal by a member of the Appraisal Institute,
opinion(s) of local real estate broker(s), analysis by the General Partner, or some combination of
these. We anticipate that most Loans will be secured by improved or unimproved real property with
respect to which the borrower intends to effect a change in use. The market value analysis for such
properties will usually be supported by a third–party appraisal prepared on an "as completed" basis
(i.e., an appraisal based on the assumption that the intended improvements will be completed). The
market value analysis may also assume that all public improvements will be completed as proposed
and that the property will be marketed and sold in the manner planned by the Borrower.
Finally, the foregoing loan–to–value ratios may not apply to purchase–money financing offered by
us to sell any real property acquired through foreclosure, or to the refinancing of an existing Loan
that is in default at the time of maturity. In such cases, the General Partner may in its sole and
absolute discretion accept any reasonable financing terms that it deems to be in our best interests.
Terms of Loans. The terms of our Loans will vary at the discretion of the General Partner. Our
Loans will generally have a term of between one and two years, but may sometimes have terms of
greater duration. Our Loans will generally provide for monthly payments of interest only with a
"balloon payment" at the end of
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127.
128.
129.
130. Foreclosure: Mortgage and Real Estate Market
Foreclosure – Individual Crisis That Depresses the Whole Economy Foreclosure – Individual Crisis
That Depresses the Whole Economy Introduction 1. Foreclosure: past, reality or future. 2.
Awareness can help. 3. Impact of foreclosure and lack of knowledge. Body 1. Process and statistic
of Foreclosure A. Understanding what foreclosure is. B. Process of foreclosure. C. Different
statistics between the states. D. Foreclosure case. 2. Reasons behinds foreclosure in different states
E. Leading reasons for foreclosure in the states with the highest instances. F. Reasons for the low
rate of foreclosure in the states with low occurrences. 3. Foreclosure effects on ... Show more
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In general, the government–insured, or purchased loans, involve extensive relief programs and
procedures for borrowers in default. Private lenders, most of the time, are not as helpful, and make
decisions a lot faster. Understanding which mortgage and insurance is signed at the time of buying
the house is a very important to understand if default occurred, how to react and what actions need
to be taken. Foreclosure Process The foreclosure process is different in every state. In general, if a
borrower falls behind on payments, the lender may choose to foreclose the mortgage. The total
amount of the loan becomes immediately due. The process can start as soon as borrower misses a
single payment. However, depending on the lender and the state, most lenders will wait up to 4
months before they determine that foreclosure is necessary. One of the options is: any time after
more than 60 days overdue, the lender can send a letter called a Notice to Accelerate. Paying the
past due amount plus penalties can stop the process at this point. Lenders are likely to also send out
a threatening letter warning the borrower that failure to pay by a specific date will result in the
acceleration of the due date so that the full balance becomes due and payable. Next, the lender will
hire a foreclosure attorney, who will send a Demand Letter that formally states that the debtor must
immediately bring the loan to a current
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131.
132.
133.
134. Top Fastest Growing Real Estate Markets
5 Fastest Growing Real Estate Markets in South Asia
South Asia is the world's fastest growing region where the value and importance of real estate is
more than anywhere else in the world. It is a diverse continent where people have different ways of
trading. You must know the fastest growing real estate markets in South Asia before you start your
property search. The 5 fast growing real estate markets in south Asia are discussed below
Pakistan real estate market
Pakistan's economy faced depression in 2012. In 2013, the political scenario was quite unpredictable
and challenging but the position of Lahore real estate market was relatively attractive for the same
year. It was due to the success of the agricultural sector. Generally the political scenario does not
have a deep impact on the real estate market because the economy of Pakistan is quite informal and
investors are attracted to invest in the property market. The year 2014 was also positive for the
economy of Pakistan and since the beginning of this year, real estate market of Pakistan showed
stability in both residential and commercial terms.
Now the real estate market is showing positive results. The demand of the properties in the leading
cities like Islamabad, Lahore and Karachi is also increased along with some increase in the prices.
New and existing projects also show upward growth. Rawalpindi/Islamabad real estate markets are
growing and receiving more investments but Lahore property market is going through
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135.
136.
137.
138. Economic Impact On The Real Estate Market Essay
Economic Environment Impact
Interest rates have a major economic impact on the real estate market. Interest rates directly affect
property sales. Residential property realizes the greatest affect as interest rates have a considerable
influence on a homebuyer's capability to purchase a new property. The customer is affected when
there are significant increases or decreases in interest rates. Declining interest rates lower the costs
of obtaining a mortgage; this in turn creates higher demand for homes, and pushes home prices up.
Conversely, high interest rates increase the costs to obtain a mortgage; these increases lower the
demand for homes, which creates a decline in home prices. (Stammers, 2016)
The overall health of the economy has a significant impact on the real estate industry. The economy
is measured using indicators such as the GDP, employment percentages, manufacturing activity, and
price of goods. When these indicators identify a sluggish economy it translate directly to declining
real estate sales. RE/MAX and the customer alike are directly affected by the economy. A slow
economy consists of decreased homes sales while a flourishing economy affords the customer the
opportunity to buy, which relates to an increase in home sales for the realtor. (Amadeo, 2016)
Government policies and subsides have a sizable impact on property price, and demand. The
government can temporarily boost demand with tax credits, deduction and subsidies. From the
customers point of view
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139.
140.
141.
142. The Real Estate Market Is Important
Introduction
In this modern age we are all greatly affected by the core economic problem, as we know it.
Scarceness of resources is the main economic issue, this is made worse by the world's rapidly
expanding population, "Resources are scarce but wants are infinite" (Anderton, 2008 pg. 2). In this
essay, we are going to look into the real estate business, and specifically in London. This will enable
us to understand the demand, supply and elasticity determinants in this market.
Real estate market is very important, as housing is probably a person's biggest purchase, which can
represent the consumer's wealth. Also, it is important, as changes in property prices affect the rest of
the economy enormously.
Background of product
Real estate ... Show more content on Helpwriting.net ...
This is due to the fact that these properties represent a secure shelter for the population, which is
considered a basic human need. However the housing market is believed to provide "normal goods",
meaning that as people's income increases so does their demand for housing (Masron, 2013). Due to
the socioeconomic background of a large portion of the population a large segment of the market
would be considered a highly differentiated product. Location of the property within London tends
to play a large part of the product's differentiation, as some areas are more desirable than others.
There are main factors that affect the real estate in London, which will greatly influence supply and
demand. One of the factors that may affect supply is the lack of free land in desirable areas; this
affects both residential and commercial properties alike. However, suppliers still tend to provide a
large number of properties each year. During the period of June 2013 and June 2014 there was
around 18,900 new buildings completed as provided by the UK government (Government stats,
2014). A factor that may affect demand is the rapid increase in population due to both immigration
and migration; with the increase in population there is an increasing number of businesses looking
for commercial property.
Supply in the market
Supply conditions in the London real estate market is similar to the rest of the UK. There are
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143.
144.
145.
146. Real Estate Investment And Capital Markets
Overview
Real estate is a highly cyclical industry that is affected by changes in local and national economic
conditions. Real Estate Investment and Capital Markets are examined by the cash flow or the value
covering the structure and operation of the private & public real estate, as well as any markets that
involve real estate. Financing is a very important aspect of real estate development. A lot of
financing options are available for real estate investment. A wide range of topics in equity real estate
investment are examined including private equity markets, public and private real estate investment
trusts, problems in measuring risk and return, valuing publicly traded real estate securities,
performance evaluation and risk management techniques. (naiop.org)
The vast majority of investors do not have the cash in hand to cover their entire real estate
investments & most are purchased with leverage. Real estate investment finance can come from a
variety of sources that is lenders, bank or a finance company and be structured in many ways. Some
successful investors, even those with the cash to cover their real estate investment cost completely,
have made sizable purchases with minimum cash outlays sometime even with no cash. This is a
technique known as Other People's Money to make investments and profits. (Entrepreneurial–
insights.com)
Introduction
Real estate is the property which comprises of land and the buildings on it as well as the natural
resources of the land
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147.
148.
149.
150. Essay on Real Estate Market Analysis
Table of Contents
Market Analysis
Forecast Population Growth to 2025 2
Housing Affordability, Average Sales Price and Growth 4
Housing Characteristics 6
Society and Ambiance 6
The age distribution 7
Types of households 8
Educational attainment 9
Economic Outlook 10
Unemployment Rates & Employment growth 10 ... Show more content on Helpwriting.net ...
If current trends continue, approximately 40 percent of these new households will be captured by
Collin County, significantly driving the residential market in this region. In fact, 98 percent of all
population growth in the PMSA is expected to be captured by the three county areas of Collin,
Denton and Dallas.
2. Housing Affordability, Average Sales Price and Growth
As it is illustrated in figure 2.1, Collin County has the highest percentage of families that can afford
median–priced homes in Dallas market and it is 14 present above the whole US market average.
Figure 2.1
Dallas Market Overview 2004
Housing
Housing Affordability – Fourth Quarter 2003 Percent of Households
That Can Afford
Median–priced Home THAI* THAI for
First–time
Homebuyers
Collin County 69 1.38 1.16
Dallas 56 1.09 1.05
Denton County 66 1.31 1.10
Irving 62 1.19 1.36
Texas MLS Total 54 1.06 0.92
U.S. Total 55 1.06 0.77
* The THAI is the ratio of median household income to the income required to buy the median
priced home using currently available mortgage financing. Standard financing is a 30–year loan
151. covering 80 percent of the cost of the home.
Source: Real Estate Center at Texas A&M University In figure 2.2, Collin County is recognized with
the highest average sales price of single–family home in Dallas area and still rated with the highest
affordability in the region for its residents.
Figure 2.2
Average Sales Price of Single–family Home, Dallas
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152.
153.
154.
155. Newark, New Jersey Neighborhoods, Real Estate And Rental...
Newark, New Jersey Neighborhoods, Real Estate and Rental Markets
Newark is the most populous city in the state of New Jersey, and one of the nation's largest shipping
hubs. It is the sixty–seventh most populous city in the country and has just over two hundred
seventy–five thousand residents. This makes it the second most populated city in the New York
metropolitan region, after New York City. It is the largest port on the Eastern Seaboard, location of
several corporate headquarters, and several universities. It is a diverse city, made up of five wards
containing many neighborhoods that vary greatly, from urban business and industrial districts, to
quiet near–rural areas on the outskirts of the city.
Newark, New Jersey Neighborhoods
Newark's residents usually identify themselves by which of the five political wards in they make
their home in, and occasionally by the individual neighborhood in which they live. The East and
South Wards of the city are mostly given over to industrial use and contain most of the airport and
seaport lands. The city's residential areas are largely concentrated in the North, Central, and West
Wards. The size of the wards is dictated by New Jersey State Law. The largest ward in the city may
not be more than ten percent of the average ward size larger, by population, than the smallest. This
requirement necessitates the redrawing of ward boundaries on a somewhat regular basis.
The Central Ward, which many locals still call by its old name – the old
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