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Property

Wordlist

Ownership – собственность, владение
Loan – заём, ссуда
Tenant – владелец (обычно недвижимости)
Deposit – (гарантийный) залог, задаток
Testate – переданный по завещанию
Heir – наследник
Collateral – гарантия, поручительство (финансовое)
Co-owner – совладелец
Lessee – арендатор, съёмщик
Possession – собственность, имущество, пожитки

To borrow – занимать, брать на время
To finance – финансировать, выделять средства, вкладывать деньги
To mortgage – закладывать
To dispose – отчуждать, распоряжаться (об имуществе)
To escheat – становиться выморочным (об имуществе)
To rent – арендовать, брать в аренду
To lease – сдавать внаем (в аренду)
To limit – ограничивать, ставить предел
To invest – инвестировать
To boom – быстро расти (о цене, спросе)

1. To borrow – to receive and use something that belongs to someone else, and promise to give it back to them later.
2. Tenant – someone who rents a flat, house, office, piece of land etc from the person who owns it.
3. To dispose – to get rid of something that you no longer need or want.
4. Possession – something that you own.
5. To invest – to use your money with the aim of making a profit from it, for example by buying property or buying shares in a company.
6. For example, if you borrow for two years and at the same time lend for one year, you have effectively taken out a forward loan.
7. These assets are out of the circulation and no one can mortgage them.
8. He covets only one, his heir , the single child born of his seed who carries the gift.
9. Therefore, about half of the firms prefer to rent premises from private parties.
10. Explain why this is not a true advantage to the lessee.

US Property Investment Exit Strategy - US REAL ESTATE TV

I want to take you guys through now what a lot of specialists in US are regarding as the most powerful exit strategy. If you’re looking to get out of these investments in the next 12 months, 18 months, realistically because the market is so soft, you couldn’t just put your house on the market and achieve the sort of money that you might like. So, this is an alternative. Now the bottom line in the US is that the government has created a phenomenal number of public policies which was specifically designed to promote home ownership. Right now, the government are creating loan programs so that people can buy their own homes using as little as 3 percent deposit . Now investors can’t borrow, we’ve already talked about the fact that for us to go over there and actually get money out of the country is near impossible. The option that you’ve got is that you can buy a house and get a tenant in there and work with them to understand the benefits of actually eventually buying that home. So, let me run you through a scenario here, just so that it makes sense to you. You might have a property which is earning you 800 dollars a month in rent. The person who’s paying that is obviously renting for a reason because for whatever reason they’re not able to buy back into the market or they can’t afford the deposit or whatever it is. All they need to buy into that market is 3 percent, but maybe they don’t have that money for whatever reason. If you could explain to your tenant, let’s say you paid 35,000 dollars for that property, it’s earning you 800 dollars a month, now if you could explain to this tenant that 800,000 as an equivalent mortgage is, you know, I don’t know, let’s just say it works out to 150,000, I know it’s not that much it might be 120,000. And that what you can do is sell them that property. Let’s say you decide to tell them, that you’re prepared to sell them the property for 80,000 dollars, which is probably realistically the current market value of this sort of property. You could argue to them that their rent on an equivalent mortgage is going to drop to 400 dollars a week, 400 dollars a month, sorry. So, what you’re trying to do, is you’re trying to educate your tenant that really buying the property from you is going to be a much cheaper way for them to get back into the market. It’s a slow process in terms of you really have to educate the tenant on how this works but effectively they can go from paying you 800 dollars a month down to 400 dollars a month and then they own the property. Now if your tenant, for whatever reason doesn’t have the money, the 3% needed to put towards the deposit, you could help finance that. You could take their rental payments and put them in escrow until the point in time that it does equate to that 3%, and then help them go to the bank and get that loan. This sort of strategy, it takes a little while to set up because it’s really about getting them to understand the process and understand what you’re trying to do but it’s helping them get back into the market, reduce their cost and it helps you effectively get out. Now this is an extremely powerful exit strategy that very few people know about. Now what this means is if you can get the right tenant and you can apply this, then you can be out of your property within the next 6, 12, 18 months when most other people, most other investors will be just sitting on them and waiting for their cash flow. Let’s say you had 3 properties that you’ve bought. Let’s say of those 3 properties you try working with all 3 tenants to try and get them to, you know, buy these properties but for whatever reason, 2 of them just don’t get it. But let’s say 1 out of your 3 says, yup I’m in to it, I’m going to buy your property. Let’s say you get 80,000 dollars, effectively you now have 80,000 dollars, you can either go again, go and buy yourself another 2 properties or you can put that money against these 2 homes and have them be debt free if you’ve gone and borrowed the money. If you haven’t borrowed the money to buy these properties, then you’re just going again. You might be able to get 3 properties out of that, 2 or 3. The thing in the market over there right now is that the value of a property to an investor is completely different to the value of the property for the owner. In the US right now, the government are trying very hard and creating all these initiatives to help people back into the market so they’re creating what’s known as a secondary housing market. Effectively what they’re doing is they’re saying to people, as long as you come up with say 3%, 3% as a deposit, we will fund you the rest. There’s a lot of agencies out there helping people clean up their credit, so effectively what they’re doing is speed up the process of the market recovery and people getting back into the market. And if you can tap into this as an Australian investor, you’re going to be streets ahead of most American investors. If you tell a tenant, "Stop paying me 800 dollars a month’s rent, stop paying 400 dollars a month as a mortgage," you know, it’s a bit of a no-brainer but it still takes time to get them to understand that, you know, that this is a win-win. I’m saying this is simple, this is effective, but as I said if you own 3 properties, 2 tenants might just say no, look, it’s too hard, I can’t be bothered . Now this is an extremely powerful strategy but it only is going to work in high yield markets, so you have to understand that. There has to be an incentive for the tenant to want to have to take this up and there has to be an upside for you. So if you’ve paid 35 and you can get 80, that’s a huge upside. But if you’ve paid 80 and you’re only going to get 80, then it doesn’t work, so it’s got to be a high yield market?

Be creative: The best ad

улица,

Be motivated: The seeker of truth

Today before you think of saying an unkind word – think of someone who can’t speak.
Before you complain about the taste of your food – think of someone who has nothing to eat.
Before you complain about your husband or wife – think of someone who is crying out to God for a companion.
Today before you complain about life – think of someone who went too early to heaven.
Before you complain about your children – think of someone who desires children but they’re barren.
Before you argue about your dirty house, someone didn’t clean or sweep – think of the people who are living in the streets.
Before whining about the distance you drive – think of someone who walks the same distance with their feet.
And when you are tired and complain about your job – think of the unemployed, the disabled and those who wished they had your job.
But before you think of pointing the finger or condemning another – remember that not one of us are without sin and we all answer to one maker.
And when depressing thoughts seem to get you down – put a smile on your face and thank God you’re alive and still around.
Life is a gift – live it, enjoy it, celebrate it, and fulfill it.

List of questions for discussion

1. Do you think property developers are good for the environment?
2. Why do poor people always lose out to property developers?
3. Which do you think offers the best investment, commercial property or residential property?
4. Who gets the property in a divorce?
5. What do you think of the property taxes in your country?
6. What does a property management company do?
7. What is intellectual property and how important is it?
8. What things about Mexico do you think Mexican people are proud of?
9. What do you know about private property laws in your country?
10. What do you know about property booms and slumps in your country?
11. Would you consider buying property overseas?
12. Would you like a job selling property?
13. Where’s the best place to buy property in your country?
14. What do you know about the property market?
15. Are property values going up or down in your country? What causes these changes?

Для обсуждения данной темы присоединяйтесь к разговорным клубам. Студентам индивидуального курса разговорные клубы предоставляются бесплатно. А если вы предпочитаете обучение в формате разговорных клубов, записывайтесь на групповые занятия.

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