The document discusses differences between male and female investment approaches to real estate. It notes that women tend to prefer more thorough research of properties, are more attached to their investments emotionally, and prefer to own multiple smaller properties rather than sell to buy one large property. In contrast, men tend to dislike the shopping process, prefer locations close to transportation, and are more willing to quickly sell and purchase a different larger property. The document also provides tips for female investors, including developing a financial plan and investment strategy and thoroughly researching locations.

2. •
•
•
•
•
For financial independence
To build wealth
To ensure a retirement plan
To leave a heritage to their child
For some men the motivation is to
make money within a mid-term time
frame
Female investment in real estate
Nicole Avez-Nana 20/11/2013

3. • Some women naturally love shopping
and this is beneficial to the real estate
investment
• Some men dislike shopping therefore
the searching of properties is
unpleasant to them
Female investment in real estate
Nicole Avez-Nana 20/11/2013

4. • Studios from 25 sqm to 40 sqm
• One bedroom apartment, 40 sqm to
65 sqm
• Luxembourg city
• Furnished apartment or studio
• Short term rent from six to one year
Female investment in real estate
Nicole Avez-Nana 20/11/2013

5. • Due to their saving habits women
are more likely to provide significant
capital to finance their purchase
compared to men
Female investment in real estate
Nicole Avez-Nana 20/11/2013

6. • Women prefer more quiet areas,
away from traffic
• Their housing is much more
appealing
• Men prefer a good location close
the public transportation
Female investment in real estate
Nicole Avez-Nana 20/11/2013

7. • Women are attached to their property
and they struggle to part from it
• men are willing to make a fast
transaction
• Women prefer to have two small
properties than to sell one small
property in order to buy a large one
• Men prefer to sell and buy a different
one which is much larger
Female investment in real estate
Nicole Avez-Nana 20/11/2013

8. Female investment in real estate
Nicole Avez-Nana 20/11/2013

9. • Start your project by fill up the part
1 of financing plan:
Part 1
Sources of funds
Savings
+ Sales of property
+ Gifts
+ Income from life insurance
+ Purchase grant
+ Saving bonus
+ others
Total sources of funds
Female investment in real estate
Nicole Avez-Nana 20/11/2013
Amount

10. • A- Location : Define the area of interest
to purchase property
• B - location : Make a survey (rent,
facilities…) of the area of interest
• C- Location : here it is an investment,
not your personal home. Please
thinking about the future tenant and
your yield
Female investment in real estate
Nicole Avez-Nana 20/11/2013

11. The more properties you visit, the
more you know and are able to
compare the offers you also have
more leverage to bargain!
Quantity makes quality!
Female investing in real estate
Nicole Avez-Nana 20/11/2013

12. • Once you find your special treasure,
complete the second part of financial
plan
Part 2
Expenditure
Purchase price
+ Notary fee
+ Cost of conversions or repairs
+ Mortgage Registration
+ Repayment insurance
+ Auxiliary expenses
+ Unforeseen expensive
+Interim interest
+ others…
Total expenditure
Female investment in real estate
Nicole Avez-Nana 20/11/2013
Amount

13. • Calculation of Loan Requirement:
• If Total sources ≥ Total expenses = No loan
• If Total sources > Total expenses, the # = loan
Female investment in real estate
Nicole Avez-Nana 20/11/2013

14. • Calculation of Yield
Yield = Average of rent in the area
of interest X 12 month / total
expenses
Female investment in real estate
Nicole Avez-Nana 20/11/2013

15. • Do not hesitate to negotiate
Always remember this rule of thumb:
you start to earn money when you
purchase!
Female investment in real estate
Nicole Avez-Nana 20/11/2013

16. • In real estate, it is better to not do
business than to do a bad business!
Female investment in real estate
Nicole Avez-Nana 20/11/2013

17. For information, please contact us!
AB-LUX RELOCATION SERVICES
17, rue Saint Ulric L-2651 Luxembourg-Grund
www.ab-lux.com

18. • THANK YOU FOR
• YOUR ATTENTION
Female investment in real estate
Nicole Avez-Nana 20/11/2013