How to invest money in property

A lot investors today think about the bad effects of today’s financial world crisis. If they want overcome its bad effects and not lose their money they must look for new places where they can invest their both their capitals and private money of their clients. Prices for share in the stock exchange have a tendency to fall in the past time. That is why many of them invest money in property.

This particular kind of investment is very effective especially when you invest money in >flipping foreclosures. At first you must carry out research and find the latest information in that sphere including the latest tendencies and prices. Of course after buying a house you can invest some money in redecoration and fixing some problems so that the house will look more attractive for potential buyers. This must be done to sell the house at a higher price and get profit. But you should not spend too much because your profit potential is very limited and you should always take it into account. But in most cases you money always pay off and because it is one of the most effective ways to invest money and safe of course.

IndusInd to re-enter personal loans

The bank may launch personal loan products in October-December, said a senior official of the bank. “We are looking at launching the products in a selective way. Initially, the product, which is scheduled to be launched in the third quarter of the financial year, will only be sold to the bank’s existing clients,” the official said.

The private sector bank will, however, adopt a cautious approach in granting personal loans, a business characterised by high delinquencies.

The bank’s exposure to the personal loans segment is a mere Rs 200 million, against total outstanding loans worth Rs 130 billion.

The bank has about 2 million clients. The ticket size of the personal loan product will range from Rs 50,000 to Rs 300,000.

Buying a Homes In Hawaii

Would it not be great to actual own a house in Hawaii? I think it would. So, I found two website that are actually a Hawaii real estate search. It use Maps so you will get a good idea of where the properties are located. Let me tell you the sites I am talking about are: HawaiiReal .com and MyHawaiiRealEstateonline .com

Among other things, these sites will show you listings for:

Oahu real estate

Honolulu Real Estate

And this is one powerful real estate search engine. Here you can narrow down your listings by the district that the house is located in, the type of property (Homes, Condos, or Land) as well as by the price range. And most results have pictures so that you can see what the property looks like.

Finding Valuable Information On Real Estate Websites

Real estate websites list valuable resources for any investor. They can answer many questions that you may have, give you tips on finding great properties on the web, or let you know various financing options that you may have available to you.

Real estate websites can give you links to places that have property listings to help you make your investment decisions. They can point you in the right direction of free or cheap listing sites, but committing to these sites is your decision. When you join these listing sites, especially if you are asked for any credit card information, check to make sure they will not start to charge you after a certain number of days or weeks. Some sites will only give you a free trial period for a particular length of time.

Real estate websites can also help a rookie determine what type of homes may be best for home to invest in or when it may be time for them to move up to the next level.

Many of these real estate websites are run by those who have been in the business or have been educated on real estate themselves. So, the information you find on these sites can be valuable to many an investor.

London leads the way in house price falls

London and southern England are bearing the brunt of falls in house prices, which have dropped for the 10th month in a row, according to a survey published today.

Average prices in England and Wales declined by 4.4 per cent over the past year, with a fall of 1.2 per cent in July which put prices back to levels last seen in October 2006, according to Hometrack, a housing data analysis company.

Savills, the property agent, predicted that prime London properties would fall by 15 per cent this year and by 25 per cent by the end of 2009, with the worst hit areas expected to be parts of West London such as Kensington, Notting Hill and Holland Park.

Hometrack said there had been a 20 per cent drop in demand over the past three months, although this had not meant a big increase in the supply of houses for sale.

Richard Donnell, director of research, said: "Transaction volumes have been the greatest casualty of the decline in demand over the last 12 months - the vast majority of homeowners simply do not need to move."

London prices slid 5.1 per cent over the past year, the survey found, bringing them back to the level they were at in February 2007.

Savills said reduced earnings and job security expectations among City buyers had curtailed the demand for property in prime central London. Values are now 9 per cent lower than their peak in the late summer of 2007.

There was rental value growth of 1.4 per cent in the second quarter, however, with big differences across prime central London.

The east of the city including Canary Wharf fell 4.4 per cent in the period, while growth occurred in St John's Wood, Hampstead and Regents Park, which are less dependent on financial tenants.

Beat the property slump: House prices

# House prices

One final shove swings the front door wide open. I am hit by the foul smell of stale cat pee and the dank gloom of a house that looks untouched for decades. It is exactly what I've been looking for.

For years I've gorged on Britain's unhealthy diet of property shows. I've watched with envy as amateur investors stumble their way to tens of thousands of pounds in profit. Desperate to climb aboard, I once upped my offer on an east London wreck from the front line while reporting in Afghanistan. As the bombs rained down from the B52s the biggest blow was a distant London agent telling me it had gone to a higher bidder. His only apology was for the bad line, asking whether the "banging" in the background was at my end.

But now it's January 2008, and a friend has given me first refusal on an inherited, foul-smelling, ex-council house in Edgware, north London. Both Nationwide and Halifax predict a year of zero growth, but no falls. It's a very neat street and houses sold here for £285,000 last autumn. I borrow against my home and buy the sad wreck for £200,000.

I know the property market is slowing but figure that even in a static era, I will be able to add lots of value. The total refit should cost about £17,000. I will sell at £249,000 - just below the stamp duty threshold. I can already hear the property show voiceover: "Mark's made a cool £22,000 profit. Not bad for a first time investor."

I start work in mid-February. My mum pops by to inspect what I have risked my lovely home in Hackney for. The stench sends her running into the garden. As she recovers, a kindly neighbour ticks her off for going in without a mask and protective clothing. The house is notorious. Getting people in for quotes is impossible until I conquer the smell. On the internet I discover and order a "pee detector strobe" from America. Like a CSI agent I spend the hours of darkness waving the strobe over floorboards. It works, showing up the glowing yellow crystals. I rip the offending boards out. The smell is gone.

Apart from boiler, central heating and double-glazing, I'm doing all the work myself. It's daunting and depressing. Property shows love the contrasts of before and after. They do not show the weeks in between, with no heating, only the radio for company and a bucket for a loo. Who ever saw Sarah Beeny slopping out? Nothing goes to plan, walls aren't straight; pipes don't always lead where you think they do. The removal of a single old nail brings rubble tumbling down.

Telegraph writers win property awards

Writer Caroline McGhie has been named National Newspaper Property Journalist of the Year.

McGhie, a regular contributor to the Sunday Telegraph's Home & Living section, also won the award for Property Scoop of 2007 for her feature 'The Real Cost of a Commute'.

Judges at the 2008 headlineproperty journalism awards also named London Property writer Sarah Lonsdale Environmental Property Journalist of the Year.

The ceremony took place at The Brewery in the City of London. The awards were among 15 categories deliberated by more than 40 judges.