Category Archives: Real Estate

Property Investment: Spoiled for Choice in Europe’s Emerging Markets

You could be forgiven for thinking that property is the new dot.com. It seems that anybody with a few extra bucks to spare is trying to get in on the current boom. Pushed along by the many television programmes selling hot new property destinations, newspaper articles regularly highlighting the returns to be made in foreign property markets, and the abundant websites offering property all around the world, would be investors are rushing by the thousands into emerging markets accompanied only by the certainty of making a killer return.

Many of these are young people who, priced out of their home markets are eager to get a foot on the property ladder in cheaper markets abroad. Others are coming in off the back of property booms in their own country, particularly the British and Irish and increasingly, the Spanish.

But while investors may be dreaming of a property that will offer high rental yields and high capital growth at the same time, sourcing the right property markets in which to make that investment is vital to achieving solid returns. With so much attention being focused on emerging markets, it is difficult for the rookie investor to know exactly where the next revolution in property is going to be.

Bulgaria, for many, is the obvious choice. For the small time investor or holiday home buyer, Bulgaria offers an affordable entry point. Receiving massive attention from the media, it has become a hot bed of investor activity, particularly around the Black Sea Coast and the Ski resorts. With property prices far below the EU average and capital growth averaging 60-70% per year, it’s not surprising. Bulgaria’s growing reputation as a tourist destination is also in its favour and many speculate that the Bulgarian property market will mirror the trends that were seen in the Spanish property market, particularly after its entry to the EU.

Many predicted that the ‘Eastern Eight’ – the Czech Republic, Hungary, Poland, Estonia, Lithuania, Latvia, Slovenia and Slovakia, on entry to the EU would contribute to the biggest property boom Europe has experienced in at least the last 10 years. While investor interest in the new Europe countries is significant, particularly among the Irish, British and Germans, prices are not rising at alarming rates and to some extent over saturation of the market by investors has meant that rental yields are not as high as they might be. While the property market in some of these countries has taken off on the back of EU accession, others such as Slovakia are struggling to raise their profile when it comes international investors.

Investing in European emerging property markets brings the risk that comes with investing in any new territory. However, for those daring enough to take the risk, the returns are far higher than those achieved by investing in the more traditional markets such as France or Spain. Take Romania as an example. Moving into a markets such as Romania now would require a great deal of courage, particularly when the country is still battling organised crime and negative world opinion, but the chances are that ten years down the road, Romania’s small Black Sea coastline will take off in much the same way as Bulgaria’s has over the past five years. The rewards are always greater for those brave enough to go in early.

Dubai is another strong contender among investors interested in emerging markets. Dubai, for many, has the winning formula; sun, sand, glamour, spectacular developments, liberal tax regimes and reasonably priced property. Though Dubai’s property market is probably the most glamorous and sophisticated in the world, it is still possible to pick up a bargain property that is sure to yield high returns. A one bed roomed apartment just 20 minutes drive outside Dubai can still be bought for around £35,000. While rental yields have dropped from 8 – 9 % in the last year to a more realistic 6 – 7 %, these are still healthy returns compared to major Eastern European contenders. The major concern with Dubai is that currently it is largely a speculators market, with properties being bought and sold several times before the builders have even left. If speculators decided to pull out, it could lead to total collapse of the market. However, measures are being implemented to discourage speculation with banks lending only on the original cost of the property, leaving investors the task of seeking alternative finance for the premiums that can be incurred on transfer of properties.

It is worth bearing in mind that all property markets, not just those that are newly emerging, carry risks. The key to making a success of any investment is good research. Gathering as much information as possible and keeping up to date with market trends is vital to making an investment project go smoothly. This is even more relevant when buying property in foreign markets. Seek professional advice, work with reliable agents and always be willing to do your homework.

UK’s Finance and Business Courses

Undergraduate courses in the fields of Business and Finance are favored preferences and somewhat rightly so. They offer a major amount of intellectual training and a good solid foundation of business knowledge that can help future graduate students improve their future occupational prospects.

The ideal selections for these kinds of programs have access to a learning atmosphere that includes state-of-the-art facilities, a solid faculty with several years and even decades of expertise and a healthy network where you can develop your long term future profession, especially the ones that offers you access to further learning and work opportunities overseas.

Business and Finance courses straddle both the areas of Science and Humanities. Humanities-based degrees require a considerable load of written work, while Scientific based courses normally contain lots of practical exploration and evaluation.

Business courses offer a balanced mixture of debating, research, writing, presenting, and statistical evaluation as components of the coursework, training and exposing its undergraduates in a large range of skills. As such, its graduates can easily showcase problem solving abilities that are needed and highly valued by employers across different industries.

Additionally, there are many specializations within the areas of Business study: Accounting, Finance, Banking, Investment, Real Estate and Management. Most of these courses offer you in-depth knowledge and skills that will aid graduate students flourish and succeed in the extremely intricate and unique business world.

In the city of London, regarded as the world’s finance capital, is where the top schools for Business are located. They are recognized for tremendously rigorous courses with very tough entry prerequisites. Graduates of these courses shall be in high demand.

Those people lucky enough to graduate from a Business course in London typically have a great opportunity to select from different job offers soon after graduation, normally with the leading corporations and groups, or an association which has partnered with the university for placement.

Cass Business School is a leading provider of management and business education and learning in the united kingdom, and it is based right in the heart of London’s financial center.

Internationally recognized for our Masters program (MBA), we offer the largest curriculum for Specialist Masters programs (MSc) in Europe. Some of our undergraduate programs are rated as among the best in the United Kingdom. We have been rated as one of the UK’s Top 10 Business and Management Research schools. This means, at Cass Business School, we attract the best PhD pupils and teachers.