Investment properties in Curacao - Invest in Curacao

 

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5 tips for investing in commercial premises without making a mistake

 I recently wrote an article titled Have You Considered Investing in Commercial Premises? and I said to myself that it would be interesting to explore this subject in greater depth. Today I offer you some practical recommendations if you decide to embark on such an investment. It should be known, in fact, that this type of investment has much specificity and that certain aspects should be vigilant.

 1 / A good location is a guarantee of a good investment

While housing, even in the wrong place, will always be rented at a low price, the same is not true of commercial premises. If, on the other hand, the location is sought after by traders, it will be easier to re-let the premises in the event of the tenant's departure notice and you will potentially have more chances of making a capital gain. In addition, high traffic is a sure source of turnover for your tenant; and if its financial health is good, your rents will be up to date. The flip side is that profitability may turn out to be lower because the purchase price will be high. Profitability pays for risk and this goes for many investments.

Prices for commercial premises are not calculated in the same way as for housing, although it is possible to give ranges for a given sector. The best locations are of course located on busy thoroughfares, shopping streets, pedestrian streets, squares, perpendicular to a street, near a public transport stop, etc. Sunshine can also come into play.

2 / Be smart, remember to find out about city politics

I have seen medium-sized city centers literally undergoing a metamorphosis. Previously completely neglected by traders, they have become dynamic places where people like to come to stroll, eat, go out, etc. Imagine that you bought there at the start of this trend reversal!

It is quite easy to know well in advance the town hall's plans for a district, whether it is through the magazines it publishes, the press, town planning services, etc. If a district or a street must be completely redone in the short or medium term, this will have a definite impact on the rental and market value of your commercial premises.

3 / Choose a commercial space already occupied

The big advantage of buying a Commercial real estate in Curacao that is already rented is that you can know the rent charged and therefore the rental yield. The second big advantage is that you don't have to search for a tenant. However, make sure of the tenant's intentions in place: does he plan to move? to renovate the premises? ...

Whether you buy your commercial space empty or furnished, make sure you have average rents in the area. If you buy empty premises you will need to ensure profitability and if you buy occupied the rent may be higher or lower than the current market.

 4 / Choose an old commercial space over a new one

As for residential accommodation, the old one has more attractive prices than the new one. The peculiarity of commercial premises is that they are delivered raw. It is therefore often necessary to grant the first months of rent free of charge to the tenant in return for the work undertaken.

Except for an excellent location which would increase in value, I advise against investing in the new. For my part, until now, I have always invested in the old for my rental investments. In addition to the purchase price, which is higher in new vehicles, profitability is often uncertain due to commercial development which is generally difficult to anticipate. There is in the district where I live a street which has been completely redeveloped by the city and new constructions have been added. There are dozens of unsold commercial premises and I know a landlord whose tenant left because he could not meet his deadlines and who had to lower his rent when re-letting.

5 / Delegate the management of your commercial premises

I strongly advise you to entrust the management of your commercial premises to an agency specializing in commercial real estate. Real estate agencies who work primarily with individuals are not always aware of all the specifics of commercial leases.

If, however, you decide to manage your commercial premises yourself, I advise you 2 things: Before setting up a tenant, it is advisable to study the balance sheets of the last 3 accounting years / the forecast of the activity and to protect yourself in an entrepreneurial perspective to know if the envisaged activity will be viable in your premises. The second tip is to have the lease drawn up by a notary. The cost varies according to the offices, but you can count 1 month's rent. Not only will you be sure that the commercial lease is up to date with the latest legislation, but above all it will be recorded in the notary's minutes. This will make it easy for you to get it back if you lose it. Get advice from the notary on taxes and work to be charged to the tenant.

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What impacts will the coronavirus have for investors?

I usually post feature articles on this blog instead and not news articles. But I decided on this Thursday, March 24, 2020, in full confinement, to make an exception to answer a question that some people are asking. Does Coronavirus risk, after the stock market crash, cause a fall or even a crash in the real estate market? Of course, I am not a diviner, but I will try to offer you a detailed argument.

If you haven't already, feel free to download my free financial freedom manual...

 Effects on the stock market and crypto currencies

The stock marketand Bitcoin have suffered a sharp and brutal decline as everyone knows. Some stocks have experienced a 30 to 70% decline. It must be said that these supports are speculative and it was already several months that we were worried about a stock market bubble (the markets were rising more than reason and were disconnected from the real economy). We must not forget that behind the stock exchange, unlike crypto currencies, there are companies and their market value depends on their value perceived by investors.

 The stock market reacts based on economic data, announcements from governments, central banks, and companies themselves. It is therefore quite logical that the stock market broke its face at the dawn of a possible major economic crisis. It is also quite logical that it has gone back a little to the announcements of governments and central banks to massively support the economy, and in particular today with a nice rebound. But what will happen in the coming weeks or months? Bad news is likely to continue to arrive and therefore the markets may fall further for the sectors most affected by this crisis. While there may be opportunities to invest in some companies today when the markets are lower than a few months ago, you should be careful because they are probably not at the bottom.

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The economic crisis factor

It is difficult to compare this crisis to other past events. That of 2008 had nothing to do. It was a financial crisis that had more impact on American households than Curacao. Today we are living through a health crisis which is turning into a global economic crisis.

Robert Kriyosaki predicted in his book A Second Chance: For Your Money, Your Life and Our World (released in 2015) that an economic crisis much bigger than that of 2008 was going to occur. He was not the only one to speak about it and was only a few years wrong about its date of occurrence. He presents the crisis as an opportunity to build new things.

It should be noted here that what happens on the stock market is in principle totally different from what can happen on the real estate market, which is not speculative.

The 2008 crisis had an impact on the Curacao real estate market. The rise in rates had reduced the budget of buyers and therefore blocked sales volumes and then lowered prices. It was a small drop however (nothing to do with what happened in the USA).

A probable slight drop in prices in the short term on the real estate market

Currently the real estate market is totally on hold. Real estate agencies are closed and private sellers can no longer visit. The current compromises will be delayed because of the longer time to obtain financing but also the time to have an appointment with his notary. This is bound to have an impact on sellers (who put up for sale before containment) who will likely be more inclined to accept a low bid. They will have seen their time to sell extended by confinement and will probably be more concerned about finding a buyer quickly given the economic context which is likely to deteriorate.

And the longer the confinement lasts, the more it will be true. Scientists have just recommended 6 weeks in total.

 Then a real estate crash?

It is too early to say, but what is certain is that the market will suffer in sales volume in 2020. Many people risk postponing their purchase or sale plans. Lowering prices is not impossible. Once again, it is difficult to compare this crisis to other crises because it is an unprecedented situation!

But from there to talking about a crash? Unlike the stock market, a few months ago no one spoke of a real estate bubble, but rather of a possible downward correction in the market. The real estate market has a big asset in its sleeve: there is nothing safer than stone! Are investors going to take refuge there? Did this recent stock market crash just publicize real estate Invest in Curacao?

The real estate market, which is made up of primary residences as well as rental properties, also has black spots:

The real estate market is directly linked to the ability of banks to grant loans. However, we know that there is a tangible asset that the bank can seize if you do not repay your loan.

The real estate market is directly linked to the health of the economy and this crisis could lead to unemployment and bankruptcies. And it is in my opinion that this will all play out.

I have just learned that notaries anticipate a fall in the property market of around 10-15%.

 To conclude this article, keep in mind that any market is made up of 2 opposing forces, supply and demand and that they are the ones that make market prices! We are only at the beginning of the crisis and it is difficult to give forecasts but we can anticipate possible trends. My feeling is that there will probably be good opportunities to invest in the coming months on the stock market as in real estate for people who will know how to seize the opportunities or create them! So be positive. Do not see the crisis as a danger but rather as a way of taking a step back and reconsidering things from another angle. And take advantage of the confinement to study future investments.

 What did you think of this article? Do not hesitate to leave me your opinions on the question of the evolution of the real estate and stock markets in the comments below… and let us move forward together towards your financial freedom  !

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How to buy a house during Coronavirus?

How do you buy a house during Coronavirus? And how will you buy once the epidemic is eradicated? According to the Therealestatecuracao Real Estate Observatory, one of the most accredited sources in the real estate sector, less than 50,000 house sales will be recorded in 2020 alone (compared to 2019) and the price of real estate will drop by 4-5% between 2020 and 2021.

The Coronavirus pandemic has hit the real estate sector hard. Home sales have collapsed and job losses have increased. This was the immediate fallout that the epidemic had.

The longer the crisis continues, the more Coronavirus can transform buyers' development patterns and preferences. Below, I have decided to show you what the consequences that the Coronavirus pandemic may have on the real estate sector.

1. Purchase choices will change

Urban growth has been a widespread phenomenon in recent years. Many people have moved from peripheral areas to the center of cities to be less isolated and to have all the most important services at hand.

However, with COVID-19 striking especially in crowded areas, population centers may lose some of their charm. This crisis is the right time for the world to reconsider the conventional wisdom that higher density cities are better.

People living in the city may wish to return to the suburbs. In fact, it is expected that there will be a great demand for properties that have gardens and outdoor spaces and less for apartments located in the streets of the town.

A move to telework would play into that trend. If workers continue to work hard from home, as they did during the pandemic, rather than going to the downtown offices, living in the suburbs would make more sense.

If you need help with your purchase or sale project, do not hesitate to contact me by clicking here

2. The rising rents trend?

With wages declining and rising unemployment, Curacao may find that buying a house is beyond their reach.

A weak economy tends to lower home ownership rates as potential buyers choose to rent rather than take on the heavy financial commitment that accompanies the purchase of a home (if you want to know more you can read this article).

3. A bigger house?

Before Coronavirus, most Curacao slept at home and then went to school or work. We moved to go to the gym, to the cinema, to bars and restaurants. Now we spend most of the time in the house which seems cramped and small. Having the space for your home office is very important. So also the space to train and do some sport.

If today's desire for more personal space is transformed into tomorrow's trend, buyers will prefer larger houses, perhaps in low-cost cities and in more distant suburbs.

4. The second home: more than one option!

For those with financial means, having a second home seems to be a suddenly more attractive alternative. Owning a second home is not an economic option: taxes are generally higher, as are maintenance costs.

The Coronavirus crisis could concretely raise the trend of second homes. In fact, if in other times those who wanted to escape from the city could rent a holiday home, contact platforms such as Airbnb or stay in the Hotel. Today this alternative does not seem to be the best solution due to travel restrictions.

Therefore, the second home becomes a valid and attractive option for those with financial resources. It could be a choice to move permanently to take advantage of the free air and detach from the gray of the city apartments (if smart working should take hold definitively).

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If you need help with your purchase or sale project, do not hesitate to contact me by clicking here

5. Technology and real estate: which combination?

The real estate sector is recognized by everyone for being an "old" market. Anyone interested in buying a house organizes a meeting with the real estate agent, sees hundreds of houses and then decides to make his purchase. Technology is hardly integrated into this process.

Coronavirus has upset the real estate market as you have always known it. Nowadays, it is no longer possible to visit the properties and it is difficult to meet in person to sign a proposal. The sector is large but far behind from a technological point of view. For example, you need to physically go to the notary and make an inspection of the house to find out if it is the best choice. This epidemic could be the time to take a step forward and digitize many aspects.

Many agencies have adapted by showing the properties from the PC with virtual 3D that allow potential buyers to navigate inside the property and look around as if they were actually on site. This is not a new technology but it would seem to take hold in the real estate sector.

While no one expects virtual tours to replace physical walk-throughs, the transaction process, heavily influenced by the "card" factor, appears to be ready for an update. In recent years, some real estate agents have embraced an increasingly virtual process.

Industry experts say that digital transactions and electronic signatures can be the tools used as flywheel in a sector, the real estate sector, which has not always gone hand in hand with technology.

Conclusions

Coronavirus is a universally recognized tragedy, but could it be an opportunity to digitize some sectors? It is a phenomenon that we are seeing with the school which, necessarily, has had to adopt technology to guarantee students the continuation of teaching activities.

The real estate sector is certainly one of the markets most affected by this pandemic. The total freeze on the activities has certainly not benefited the hundreds of activities involved in real estate. However, not all misfortunes come to stay. This could be a real opportunity to review some factors, rethink them and make them more human-friendly.

Virtual visits to real estate in Curacao, meetings and consultations via Skype, digital transactions and electronic signatures are elements already widespread in other areas. The real estate sector must be able to grasp the change and intercept it without falling behind in this technological revolution that, willingly or unwillingly, is already taking place.

Investing in a farmhouse: here are 5 good reasons to do it

The rural farmhouse: new investment prospects

Investing in a rural farmhouse is an exciting and demanding mission: the charm of the ruin, the location in pleasant places and the retro aesthetics require important investments. Are you curious about the idea of ​​starting such a business? Why buy a rustic? Here are 5 reasons that will convince you of your purpose.

Living in a rural farmhouse: an experience out of time

Old farmhouses and imposing stables surrounded by greenery always arouse a certain charm. Who wouldn't want to have one available to retire during the holidays or to use as an investment? The majestic architecture, the typical construction of other times, techniques and materials no longer in use make up the identity of these buildings. A revival of country life and the focus on new design solutions have shed a new light on this type of solution and the availability of incentives for the renovation of the ruins makes them even more attractive. For many reasons, investing in farmhouses can be an excellent choice. These five reasons are enough to convince you to make your dream come true.

1. The irresistible charm of history

Curacao is a country dotted with fabulous rural landscapes very close to urban centers. The country house or rustic country house has its roots in tradition: these large buildings housed the activities of the peasants and were the theater of all their daily lives. Powerful architectures and austere aesthetics characterize its charm. Today that no longer host the teeming life of the peasants, they represent the ideal context in which to seek an experience of relaxation and proximity to the countryside . Because of their location outside the city center, they represent the ideal destination for rural tourism, the perfect solution for those who want a refined and non-conforming hotel standard of stay. Investing in a farmhouse is not only a possibility of earning, it can become a job but it can also be a valid alternative to get away from city stress. A farmhouse in the countryside close enough to the city center can become an oasis of serenity where you can take refuge with your family.

2. Rural housing and tax deductions: a winning combination

Invest in Curacao the renovation of a rural home is a very romantic and courageous undertaking, but is it worthwhile? Having abandoned all sentimentality and aesthetic considerations, one has to deal with one's wallet. What are the tax benefits for those who venture into such an enterprise?

Those who decide to buy and renovate a farmhouse can enjoy important reimbursements that are distributed over the next ten years and are configured as tax deductions for the purchase of appliances and furniture or for the renovation. Here are the details:

the costs incurred for the renovation of the architectural structure and for the adaptation of the systems are deductible up to a maximum of 96,000 Euros (higher costs are not counted):

starting from 2013 it is possible to deduct 50% of the expenses relating to the purchase of furniture and appliances up to a maximum of 10,000 Euros;

Investments aimed at the energy requalification of the property (thermal insulation, window systems) are financed with the deduction of 65% of the expenses incurred up to a maximum of 153,000 Euros equal to 10,000 Euros per year.

3. News and additions

In compliance with the municipal rules governing the intended use of the buildings (Technical implementation rules contained in the urban planning tools), it is possible to take advantage of the benefits of expanding the farmhouse by adding a new portion that varies from 20% to 70% of the total coverage. This opportunity allows to increase the value of the property or to make it more comfortable with the addition of appliances and other living spaces. It is not difficult to imagine that these country ruins, designed for different needs related to everyday life, place the search for solutions related to the usability and destination of the spaces.

4. Staying in a farmhouse, a new tourism trend

The data provided by the tourist associations are clear: the trend of rural tourism is booming. The renovation of a farmhouse is the perfect investment to ride the wave: a building to be used as a luxury resort, farmhouse, B & B able to offer tranquility and immediate contact with nature. This fashion has enlivened the real estate market of rustics and farmhouses especially in the Curacao regions with a strong artistic vocation.

If single travelers or young couples prefer the resort, families with children turn to experiential tourism proposals that involve, especially the youngest, in peasant activities and invite to contact with animals. These activities are encouraged and supported by the Gal. Farmers who are about to restore a farmhouse can also take advantage of the Rural Development Plan (PSR) which supports 40% of agricultural expenditure up to a maximum of 200,000 Euros.

5. Investing in brick is always a certainty

One of the reasons why investing in farmhouses and farmhouses is the usual Curacao tendency to resort to brick safety. Buying a country house can prove to be a good investment if it becomes the centerpiece of a production activity or it can be an excellent solution for hoarding family savings. Especially for non-experts it is better to contact a professional who directs, takes care of the purchase and suggests the most convenient resources for the restructuring. When deciding to invest in a country house , there are a few factors to consider:

The distance from the city center and the basic necessities, not only schools and hospitals but also supermarkets and other places related to leisure;

the size of the property and the housing needs related to the residents: if the farmhouse is intended for the family's relaxation needs, an important size is not required, on the contrary, if you do not want to close the future possibility of transforming it into an accommodation facility, it is preferable a wider and more articulated structure;

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Sale of an Inherited Property: Necessary Documents, Taxation and Other Things to Know

Receiving a house by succession means getting hold of a precious estate. If the choice was for the sale of the inherited property, it is important to know all the aspects that this sale entails, in terms of necessary documents, taxation and bureaucratic requirements.

On the other hand, the buyer of an inherited home will have to pay attention to some aspects to avoid the risks associated with the transfer of ownership by inheritance.

Documents necessary for the sale of an inherited house

To guarantee a protected transfer of ownership, the purchase and sale of a property obtained by succession requires the presentation of two documents additional to those necessary for a normal real estate sale: the declaration of succession and the transcription of the acceptance of the inheritance.

Declaration of succession and transcription of the acceptance of the inheritance: when the heir becomes owner

Anyone who inherits a property does not automatically become its owner. In fact, the heir has the right to accept or reject the inheritance. A choice that, obviously, is fundamental for the effective disposition of the property right.

The inheritance can be accepted by signing two deeds:

·         succession declaration ;

·         Acceptance of the inheritance.

The first document must be submitted by the heir (or heirs) electronically to the Revenue Agency . It can be completed with the support of Caf or professionals in the sector (for example, the notary). It lists all the assets subject to the succession and their values.

Acceptance of the inheritance can be formalized with a written document, but it can also take place tacitly. The second case is the more frequent one, but it is also the one that requires an extra step when buying and selling an inherited property. At the same time as the deed, in fact, the notary must formalize the tacit acceptance (made manifest through the will to sell the asset) with the transcription of the acceptance of the inheritance by written deed.

The transcription of the acceptance of the inheritance is therefore one of the documents necessary for the sale of the inherited house.

Sale of a property received as an inheritance: taxation

The property whose property was inherited was subject to inheritance tax. It is liquidated by the Revenue Agency within the third year from the declaration of succession or within the fifth, in the absence of such declaration. It is due to the extent of 4% -8% depending on the degree of relationship that binds the new owner to the deceased. In some cases there is a fixed minimum amount (deductible) to be paid, beyond the value of the property.

In addition to this taxation, the other taxes due for the sale of the property are the classic ones related to this deed (cadastral tax, mortgage tax, stamp duties and secretarial rights), which form the costs of the sale and buying property in Curacao.

Sale of the house inherited before the age of 5: is the capital gain taxed?

In general, in the event that a property is sold whose property was acquired for consideration in the previous five years, the seller must also pay a capital gain tax. This is a withdrawal on the difference (capital gain) between the sale price and the value of the property at the time of acquisition of the real right. This is a necessary measure to prevent speculative activities on the real estate market. However, this does not apply to the sale of an inherited house.

" ... the capital gains realized through the sale for consideration of real estate purchased or built for no more than 5 five years, excluding those acquired by succession ... ".

The sum obtained from the sale of a property acquired by succession, even if it occurs before 5 years, does not determine a taxable capital gain .

Property in communion between multiple heirs

In the event that the property object of the succession due to death is jointly owned, the sale can only take place following the consent of all the heirs. Alternatively, it will be possible to proceed with the sale of only the portion of inheritance due, after having offered this share to the other heirs, who have the right of pre-emption.

Buying an inherited house: the risks for the buyer

As we have seen for the purchase of a property subject to donation , the purchase of an inherited property is also not without risks for the buyer. This is why it is always advisable to contact professionals in the sector, avoiding to run into problems that can invalidate the act of sale or, in any case, create uncertainty.

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How to choose the real estate agency?

Are you looking for a house?

Do you have to sell a house?

How to choose the best possible real estate agency?

And how do you sell a house through an agency?

Among the many on the market, which real estate agency to choose?

Let's try to answer these questions and provide some good advice.

Who to contact if you have to sell a house?

When choosing to sell or buy a house, numerous economic, legislative and bureaucratic aspects must be taken into consideration, with the risk of being stuck in a series of obligations and obligations that cannot be easily managed, in addition to everything related to finding the right property or property. Buyer and management of the relationship with the potential counter party. It is for all these reasons that it can be particularly convenient to contact a real estate agency, in order not to make mistakes and to take advantage of the advice of people who are expert and prepared in your sector of activity. Let's see what are the reasons why relying on a real estate agency is the best way to undertake a sale.

Why choose a real estate agency to sell or buy a house?

Relying on a real estate agency  to sell your home or to buy a new one means first of all getting rid of a whole series of tasks which, due to lack of time and knowledge of the subject, can be particularly difficult to follow personally. In the first place, in fact, the real estate agency will take care of bringing supply and demand closer together, favoring time savings on both sides, and following all the paperwork at the offices involved, with all the advantages that follow.

Furthermore, the knowledge of its reference market means that the real estate agency is able to make correct appraisals of the properties and meet the needs of buyers and sellers, avoiding their unwanted surprises on the price, as well as checking all the documentation relating to the property in order to protect the parties involved in the negotiation from all points of view.

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Wanting to answer the question "why choose a real estate agency?" we can therefore identify 3 main reasons:

1. save time, money and stress

A real estate agency follows all the negotiations between the buyer and the seller, also personally taking care of the bureaucratic obligations required by law and the tasks to be carried out at public offices. Not to mention the precious work done in the phases preceding the opening of the negotiations: a good real estate in Curacao, in fact, will be able to bring together supply and demand taking into account all the needs of the parties.

2. Maximum protection of the subjects involved

When you ask yourself why you need to choose a real estate agency to buy or sell a house , a fundamental aspect to consider is precisely that of protecting the buyer and seller before the law. This is because a good real estate agency deals with the prior verification of all documents relating to the property for sale, thus guaranteeing the buyer the absence of unwelcome surprises, and follows the negotiation between the parties making sure that each step complies with the current regulations , from

By signing the written proposal to pay the deposit and until the final conclusion of the negotiation in front of the notary.

3. Promotion of the property and correct display of its advantages and disadvantages

The work of the real estate agency presents enormous advantages for both the seller and the

Buyer, as both services provide for the best final result. The property promotion activity   carried out by the agency, for example, can never be equaled by a private sale attempt, as the agency will be able, through its numerous channels, to reach many more potential customers than it can make a single owner through the classic ad. On the other hand, the real estate agent will be able to pinpoint potential buyers who may be interested in that specific property, thanks to the knowledge of tastes, needs and needs of each user included in their database.

Sometimes there is  distrust  to sell a house with an agency, and sometimes it is justified.

On the market you don't always run into the best real estate agency.

How to choose the right real estate agency for your needs

In a market so competitive and crowded with agencies, how to choose the right real estate agency for your needs? Surely, the first factors to consider are experience and trust : today as today, thanks to the web, it is much easier to know how companies in any sector work, thanks to reviews and comments available on the various channels. A real estate agency that has been operating for years and that presents all (or almost) positive, articulated and documented judgments, will surely be a subject to be trusted.

The specialization of the agency  is another point to consider, in particular when the sale concerns a specific type of property. There are, in fact, operators who focus on a specific area, such as luxury villas, industrial sheds or beach houses: if what you need is precisely that type of property, considering one of these agencies can be an ideal solution to be sure to meet your needs.

Finally, choose an agency that has an in- depth knowledge of the market  and is present in the geographical area of ​​reference.

Whether we are  looking for  a house, or if  we sell it , since almost all of the properties are now  brokered  by real estate agents, in order to optimize the search, to avoid risks (which we will discuss later), it is better to  go in advance to a trusted real estate agent .

We will have the following advantages, not to be overlooked:

1.      We will trust a person we already know and maybe they will have advised us or we have personally experienced;

2.      We won't have bad surprises;

3.      We will make use of an expert for research and selection of the property or for sale;

4.      We will be supported in identifying our real needs, also looking to the future;

5.      We will be supported in the economic negotiation in an aseptic and professional way, without emotion and inexperience;

6.      The professional real estate agent will guarantee us the correct provenance of the property and its compliance with urban planning and technical rules;

7.      In short, he will advise us for the best.

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How to choose the real estate agency?

The profession of real estate agent, regulated by law, is a serious matter.

Unfortunately in the past (especially in the phase of the real estate boom) everything was found, including unscrupulous agents and brokers who, in order to grab the commission, behaved incorrectly, housewives, hairdressers started to make real estate brokers in time ...

The solution that we hope for, still far away, is that in which the consultants (or advisors as they are called today ...) are truly  trusted people  at our service.

The real estate agent like the doctor, the lawyer, the accountant ... the investment consultant and so on.

Being a real estate agent is not easy:

1.      -you must have the title;

2.      -knowledge of other related subjects;

3.      -be updated on prices;

4.      -specialized in rents, sales, contracts;

5.      know the areas and the market;

6.      know how to conduct a negotiation;

7.      -be convincing and professional.

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