News and Guide

News from DL MoneyPark and information on the financial market and Swiss romande real estate

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Off-plan acquisition

If you have decided to acquire your real estate property off-plan, you should take a few precautions. We are going to show you the factors that you should pay special attention to and how off-plan acquisition differs from a direct purchase.

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Real estate development

Would you like to acquire a house or apartment as a real estate development property?

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Forward sale or "turnkey" buying

This type of acquisition is made through the payment of an advance (5% to 20% of the purchase price) when signing the forward sale deed. The balance is paid when the property is delivered, that is, when the title is transferred.

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Acquistion of a shared property

The acquisition of a shared property involves the construction of a new property by floor (PPE). The property (apartment and/or lot) to be acquired will represent a part of the total construction, usually expressed in thousanths of the base plot, meaning the whole property.

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Consolidation

At the end of construction, the financial institution will proceed to consolidation, meaning the conversion of your construction loan into a mortgage loan.

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General contractor and architect mandates

There are several possible partners to build a property with. Therefore, it is important to understand the main differences between them and to choose the solution that best suits your needs.

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Investment properties

In real estate investment, as in most other types of investment, an investor often finds himself confronted with two questions: How to put a value on the property and how to measure the profitability of the investment?

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Depreciating cost or intrinsic value method

Calculating the intrinsic value of a real estate property goes back to finding an adjusted value of the originally constructed property, to which the value of the land is added.

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Discounting by capitalisation or return

This method provides the first indications of how much an investment property is worth. It is based on the relationship between the annual rent and the value of the real estate, thus showing a discounted return for the buyer.

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Discounting of future cash flows or Discounted Cash Flow (DCF)

Unlike the capitalisation or return method, the discounting of future cash flows offers significant advantages, as it permits the use of parameters such as financing, administration, and maintenance or renovation costs, as well as the development of rental status and risks. All of this is offered on a 5 to 10 year horizon based on projected cash flows that will allow you to determine the future value of the property.

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