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Mar
14
6 ways to identify a healthy Property Market
  • Posted By : Belinda Apostolou/
  • 0 comments /
  • Under : Journal

The property market may seem like an overwhelming mix of numbers, legals, jargon, cycles and advice. Knowing what the property market is doing and where it is heading is a challenge, but we believe in learning as much as possible. Read the statistics, watch out for articles on property or the economy, talk to experts and learn as much as you can. In this way, one can make their own decisions, rather than relying on other people’s opinion on what should be done.

At its simplest level, real estate economics is a matter of supply and demand. A few properties for sale, not meeting the market’s demand will mean that prices rise. Conversely, if the ‘for sale’ inventory exceeds demand, prices will obviously fall.

Today we will be sharing with you, the 6 most important ways in identifying a healthy property market, so that you can take control of your investing choices.

1.The first thing to look for is whether supply and demand are in balance.

If there is a balance, prices will stabilize and homes will sell at prices closer to their true values without the unhealthy side effects of an unbalanced market—bidding wars and prices so high that they either shut out first-time buyers or so low that they suck away equity from homeowners who become reluctant to sell and who eventually withdraw from the market.

During recovery, rapidly rising prices may create bubble-like conditions, threatening the market and raising worries of a crash.

Markets can change quickly, but it is not hard to tell when supply and demand are so out of balance that they create abnormal changes in the market which make it difficult for both buyers or sellers.

2.Another thing to look for, is the number of property sales.

When it comes to property development there are multiple stages, beginning with acquisition, through to planning, civil works, roads, and finally registered titled lots ready to be transferred to the end user. If developers are selling all of their stock before everything is complete, this is a good sign that the market is warming up. If there are thousands of completed properties sitting there unsold, that means the market is slow.

3.When the market is healthy, you will be able to see the media/press increasingly reporting good news and numerous property stories.

As the growth cycle moves upwards, developers are the first to act. Following that, around a year later, the media catch on and start reporting. This pushes the market up to its peak, because this is when everyday investors catch on and open their wallets. Keep an eye out for the ‘b’ word in the press (that’s ‘bubble’), because that is a good sign that the market is hot or at the very least overheating.

4.Underlying to any market movement is the economy; therefore it is wise to keep an eye on your country’s economy.

If the economy is flat, depending on how flat and why, then the property market may sit flat too (unless we are referring to London, which many foreign investors see as a safe place to invest and a flat economy was never a hindrance or an obstacle for them to invest in, even during financially difficult times). Additionally, watch out for the rental market. In particular look for 2 things: low rental vacancy rates in a market and/or for rising rental prices. Simply, due to the nature of supply and demand, the rising cost of rentals equals to an increased need for housing. An increased demand for property means a healthy market.

5.When the market is booming, development and government incentives begin to dwindle.

Incentives, like the First Time Home Buyers Grant and many others, are put in place to get people onto the property market, driving the economy up, reducing unemployment and reigniting the industry in general. So when these incentives are harder to come by, that means the property market is healthy.

6.If you’re selling a property, and if once this is listed you immediately receive multiple offers, that is a sign of a healthy market. This is tracked via a mechanism called average days on the market. Alternatively if you are selling at auction, you will receive crowds of people attending, which is what is happening in London at the moment, for example.

It is important to note that due to the nature of the property market these 6 identifiers will not always line up at once, but if you have got three or more of these, then the market is fairly healthy, which is great news for investors.


Jan
18
Προβλέψεις για την Kυπριακή αγορά ακινήτων για το 2018
  • Posted By : Belinda Apostolou/
  • 0 comments /
  • Under : Journal

Οικονομική Καθημερινή-Τετάρτη 17/01/2018:

Οι τιμές των ακινήτων στην Κύπρο συνεχίζουν την ανοδική τους τάση, σύμφωνα πάντα με το RICS  Κύπρου, και φαίνεται ότι υπάρχει ανανεωμένο ενδιαφέρον, τόσο από ντόπιους,  όσο και από ξένους επενδυτές  για  να συνεχίσουν να επενδύουν  σε μια νέα, πιο σταθερή Κυπριακή αγορά ακινήτων, που εμπνέει εμπιστοσύνη και  αισιοδοξία για όλα τα εμπλεκόμενα μέρη.

Κατά το πρώτο εξάμηνο του 2017, η Κυπριακή Οικονομία παρουσίασε περαιτέρω σημάδια σταθερότητας  με ετήσια αύξηση του ΑΕΠ κατά  3.5%. Η ανεργία παρέμεινε σε κάπως υψηλά επίπεδα, αλλά σε πτωτική τάση  σε περίπου 10.8% από το 17% του  προηγουμένου έτους. Οι δείκτες αυτοί σημειώνουν ακόμη μεγαλύτερη βελτίωση κατά το δεύτερο εξάμηνο του 2017.

Το 2017 σε γενικές γραμμές, θα μπορούσε να χαρακτηριστεί  ως «έτος ανάπτυξης» όπου η ανάκαμψη της οικονομίας της Κύπρου,  είχε θετικό αντίκτυπο στον όγκο των  πωλήσεων  ακινήτων/συμβάσεων ακινήτων που καταχωρήθηκαν στο Τμήμα Κτηματολογίου. Ο όγκος  των πωλήσεων  ακινήτων κατά το 2017,  προσδιορίζει σαφώς  την αυξητική τάση στις πωλήσεις των ακινήτων, και την αναζωογόνηση/ανάκαμψη  της αγοράς ακινήτων. Η τάση αυτή αναμένεται να συνεχιστεί και το 2018, καθώς η οικονομία αναπτύσσεται περαιτέρω.

Γενικά υπάρχει μια αισιοδοξία για την Κυπριακή Οικονομία και ιδιαίτερα στον τραπεζιτικό τομέα,  λόγω των  προσπαθειών  της κυβέρνησης για προσέλκυση ξένων επενδύσεων, μέσα από σειρά πρωτοβουλιών όπως τα προγράμματα  για  μόνιμη διαμονή, σχέδιο απόκτησης Κυπριακού διαβατηρίου, καθώς και τα φορολογικά κίνητρα, που έχουν  ένα θετικό αντίκτυπο στην αγορά και σαν αποτέλεσμα, υψηλότερο δείκτη πωλήσεων/συμβάσεων  ακινήτων κατά το 2017. Αυτό δημιούργησε σταθερότητα και θετικό κλίμα στην αγορά.

Παρά τα ζητήματα που εξακολουθούν να υφίστανται σήμερα, και που αφορούν τα μη εξυπηρετούμενα δάνεια (κόκκινα δάνεια)  τα χρηματοπιστωτικά ιδρύματα κατά το 2017, φαίνεται να ήταν πιο  πρόθυμα να εξυπηρετήσουν πιθανούς επενδυτές, και να παρέχουν πρόσβαση στην χρηματοδότηση τόσο σε Κύπριους, όσο και ξένους επενδυτές, που σημειώνουν αυξημένο ενδιαφέρον. Καθώς οι δείκτες βελτιώνονται και τα Χρηματοπιστωτικά Ιδρύματα διευκολύνουν την πρόσβαση σε Χρηματοδότηση, υπολογίζεται ότι κατά το 2018 πιθανότατα  θα υπάρξει περαιτέρω αύξηση των τιμών των ακινήτων στην Κύπρο, σε συνδυασμό με την συνεχώς αυξανόμενη ζήτηση, και  αισιοδοξία που υπάρχει στην αγορά ,θα αυξηθεί η ανάπτυξη τόσο στον τομέα των ακινήτων όσο και στην χώρα γενικότερα.

Σε ετήσια βάση,  ο δείκτης τιμών των ακινήτων στη Κύπρο, κατέγραψε αυξήσεις στις τιμές σε όλες τις πόλεις και τις κατηγορίες περιουσιακών στοιχείων, σημειώνοντας σημαντικές αυξήσεις στην Λεμεσό. Σε άλλες πόλεις όπως στην Λευκωσία, την Λάρνακα, την Πάφο, το Παραλίμνι, παρουσιάστηκε μικρότερη ετήσια αύξηση. Η Λεμεσός σημείωσε υψηλότερη αύξηση στις τιμές των διαμερισμάτων (3.8%), σε σύγκριση  με όλες τις άλλες πόλεις. Σε όλη την Κύπρο,  οι τιμές ενοικίασης παρουσίασαν σημαντική αύξηση, που έγινε πιο εμφανής κατά το δεύτερο εξάμηνο του 2017.

Εξετάζοντας τις  τιμές ενοικίασης στο δεύτερο τρίμηνο του 2017, σε σύγκριση με το δεύτερο τρίμηνο του 2016, φαίνεται ότι οι ενοικιάσεις διαμερισμάτων έχουν αυξηθεί κατά  8.3%,  ενώ τα ενοίκια κατοικιών έχουν αυξηθεί κατά 10.2%. Τα ενοίκια για καταστήματα/επιχειρήσεις(λιανικό εμπόριο) αυξήθηκαν κατά  6.8% και ενοίκια για γραφεία κατά 14.4%. Τα ενοίκια για τις αποθήκες αυξήθηκαν κατά  4.2%.

Όλες οι κατηγορίες περιουσιακών στοιχείων παρουσίασαν διαδοχική τριμηνιαία αύξηση. Αυτό φαίνεται από την αύξηση των μικτών αποδόσεων στο τέλος του δεύτερου τριμήνου του 2017, με μέσες μικτές αποδόσεις να ανέρχονται  σε 4.1% για διαμερίσματα, 5.4% για κατοικίες, 4.3% για καταστήματα (λιανικό εμπόριο) ,4.3% για αποθήκες, και 4.9% για γραφεία. Μόλις δημοσιευτούν τα αποτελέσματα του δεύτερου εξαμήνου του 2017, οι δείκτες αυτοί αναμένεται  να παρουσιάσουν ακόμη  μεγαλύτερη αύξηση.

Η παράλληλη μείωση ή / και σταθεροποίηση των αξιών κεφαλαίου και των μισθώσεων  διατηρεί τις αποδόσεις των επενδύσεων σχετικά σταθερές και σε χαμηλά επίπεδα (σε σύγκριση με τις αποδόσεις στο εξωτερικό). Αυτό υποδηλώνει ότι εξακολουθεί να φαίνεται ότι υπάρχει περιθώριο για επαναξιολόγηση των αξιών κεφαλαίου, ιδίως για ακίνητα σε δευτερεύουσες τοποθεσίες, διορθώνοντας έτσι τη βιομηχανία ακίνητης περιουσίας και δημιουργώντας μια ακόμα πιο σταθερή αγορά.

Ως εκ τούτου, φαίνεται ασφαλές να πούμε ότι η σταθερή ανάκαμψη και η ζήτηση στην κυπριακή αγορά ακινήτων αναμένεται να συνεχίσει και εντός του 2018.

Του Μάριου Αποστόλου

Αρχιτέκτονας/Σύμβουλος Ακινήτων


Jan
09
2018 Property Market Prediction-CYPRUS
  • Posted By : Belinda Apostolou/
  • 0 comments /
  • Under : Journal

Property prices in Cyprus are continuing their upward trend, according to RICS Cyprus and there seems to be a renewed interest from both local and foreign investors to carry on investing in what seems to be a more stable market, with sufficient confidence for all parties involved.

During the first half of 2017, the Cypriot economy showed further signs of stability, with an annual seasonally adjusted GDP growth of 3.5%. Unemployment remained at somewhat high levels, but on a downtrend to ca 10.8% (from the high levels of 17%) in the previous year. These indicators have performed even better in the second half of the year.

2017 in general was noted as a year of growth, during which the recovery of the economy of Cyprus had a positive impact on the property sales/contracts volume registered with the Land registry department. The sales volumes of 2017 clearly indicate a recovery of the property market, and the trend should be expected to continue in 2018, as the economy expands further.

Improved confidence was noted in the Cypriot economy and especially within the banking sector, due to the Government’s sincere efforts in attracting overseas investments through a number of initiatives like the Permanent Residency program, the Cypriot Citizenship Scheme, as well as tax incentives, which all had a positive impact on the market, therefore resulting in higher sale contracts/transactions during 2017. This created confidence and stability in the market.

Despite some issues which are still existing today, such as NPL, financial institutions have, during 2017, been more willing to provide access to finance and there is now an increasing interest from locals and overseas investors/buyers. As indicators improve and Financial institutions ease out access to finance, in 2018 we are most likely going to see a further increase in property prices in Cyprus, coupled with constantly increasing demand and more confidence in the market and the country in general.

On an annual basis the Cyprus Property Price Index recorded increases in prices in all cities and asset classes, with significant increases recorded in Limassol.  Nicosia, Larnaca, Paphos and Paralimni have shown smaller annual increases. Limassol reported the highest increase in apartment prices (3.8%), in comparison to all other cities and major towns.  Rental values across Cyprus, have shown a considerable increase which was made more apparent in the second half of 2017.

Looking at Rental prices in Q2 of 2017 compared to Q2 of 2016, shows that apartment rents have risen 8.3%, while house rents have risen 10.2%.  Rents for retail have risen 6.8%,rents for offices 14.4% and rents for warehouses have risen to 4.2%.

All asset classes have shown a consecutive quarterly growth. This can be seen through the increase in gross yields at the end of Q2 of 2017, with average gross yields standing at 4.1% for apartments, 5.4% for houses, 4.3% for retail, 4.3% for warehouses, and 4.9% for offices. Once the results of the second half of 2017 are published, these indicators are expected to show an even higher increase.

The parallel reduction and/or stabilisation in capital values and rents is keeping investment yields relatively stable and at low levels (compared to yields overseas). This suggests that there still seems to be room for repricing of capital values to take place, especially for properties in secondary locations, thus correcting the real estate industry and creating an even more stable market.

Therefore, it seems safe to say that a steady recovery in the Cypriot property market is expected within 2018, with demand expected to continue rising.

 


Oct
10
Zaha Hadid Tribute
  • Posted By : Emblem Collection/
  • 0 comments /
  • Under : Journal

Marking almost 5 months after her death, The Emblem Collection pays tribute to the multi-award winning architect Zaha Hadid, a powerful advocate for women in the creative fields as well as for innovation in architecture. “As a woman in architecture, you’re always an outsider,” she told the Financial Times in 2015. “It’s okay, I like being on the edge.”

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Oct
10
Zaha Hadid Famous Buildings
  • Posted By : Emblem Collection/
  • 0 comments /
  • Under : Journal

The Emblem Collection presents the multi-award winning architect Zaha Hadid, a fierce advocate for women in the creative fields and innovation in architecture. Today, we introduce Part A of some of the buildings that Zaha Hadid, the “Queen of the Curve”, will be remembered for:

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Oct
10
Zaha Hadid Famous Quotes
  • Posted By : Emblem Collection/
  • 0 comments /
  • Under : Journal

The Emblem Collection presents the multi-award winning architect Zaha Hadid, a fierce advocate for women in the creative fields and innovation in architecture. “As a woman in architecture, you’re always an outsider,” she told the Financial Times in 2015. “It’s okay, I like being on the edge.” Here are some more of our favorite quotes said by her:

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Jul
19
Invest in property in London now: It may be the right time!
  • Posted By : Emblem Collection/
  • 0 comments /
  • Under : Journal

We all agree that the best way to create wealth is to invest; it is a common secret that this really is how you become wealthy. So the next question should be where can your money earn the most and offer the least risk?

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Jun
07
Michelangelo: A Master Architect
  • Posted By : Emblem Collection/
  • 0 comments /
  • Under : Journal

Although widely known for his paintings and sculptures, Michelangelo was in fact a Master Architect. Michelangelo (1475-1564) was a sculptor, painter and an architect considered to be one of the greatest artists of the Italian Renaissance period and arguably of all time. His work demonstrated a blend of psychological insight, physical realism and intensity never seen before.

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Jun
07
Ten Rules to Successful Property Management
  • Posted By : Emblem Collection/
  • 0 comments /
  • Under : Journal

The Emblem Collection Group reveals the ‘10 Rules to Successful Property Investment’. If the term ‘Highly effective real estate investor’ is of appeal to you, stay tuned, as the first five Rules below, will provide you with an insight into the characteristics of achieving success in property investment.

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Jun
07
Five Ways to Identify a Healthy Property Market
  • Posted By : Emblem Collection/
  • 0 comments /
  • Under : Journal

The property market may seem like an overwhelming mix of numbers, legal, jargon, cycles and advice. Knowing what the property market is doing and where it is heading is a challenge, but we believe in learning as much as possible. Read the statistics, watch out for articles on properties or the economy, talk to experts and learn as much as you can.

Read More


12
Recent Posts
  • 6 ways to identify a healthy Property Market March 14, 2018
  • Προβλέψεις για την Kυπριακή αγορά ακινήτων για το 2018 January 18, 2018
  • 2018 Property Market Prediction-CYPRUS January 9, 2018
  • Zaha Hadid Tribute October 10, 2016
  • Zaha Hadid Famous Buildings October 10, 2016
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