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Euro Exchange Rate
Real Exchange Rate
Peso Exchange RateTerrafin is a worldwide Buyer’s agent dedicated to finding unique real estate investment opportunities. Terrafin's offices are located in South America and Europe.
Our objective is to find good investments for our customers, and to help them with various administrative matters. To do so we scout the world for the best possible deals. The question that investors often ask, is, where should I invest? Today’s world invests where prices are low and yields high.
But, why should one invest in real estate, and how? Lately, real estate has been dropping: it's too expensive, it will drop more. It’s time to buy. Opinions differ, but few bother to do some global comparative analysis.
Real estate became a refuge for funds worried about the stock market, and later, for money looking for superior returns. On the long run, real estate is usually a good investment. Notice the "usually", please. On the short run, in order to obtain superior returns, an even more careful analysis is required.
Comparative property price analysis is the base for a sound investment. What point is there in doing countrywide real estate analysis when we live in a global world? Shouldn't the analysis be global?
We are a global company and we provide a global service. We predicted the US and UK bubble and warned our customers. To confirm the data you can check the Wayback Machine.
Terrafin believes that proper real estate valuation is essential in determining what property to buy, and where to buy it. These are some of the many questions we ask for each one of the available real estate investment alternatives:
1. Demographics
Is the population in the property's region increasing or decreasing? How is the age pyramid evolving? What is the income and education level of new migrants?
2. Employment
Is unemployment moving up, down, or stable? What kinds of jobs are being created?
3. Ownership
What percentage of homes are rented or owned? Are there a lot of renters that can have access to credit? Are there fiscal incentives or disincentives towards owning property?
4. Historical prices
Are property prices historically high? Are they high compared to rentals, hotel nights? Are they high compared to shares?
5. Real estate rental market
How is the real estate rental market? Lots of empty houses? How about offices? If I buy and rent out a property, what return will I get compared to a bank deposit? How much will the bank lend me? How much do I save if I buy the property and take a mortgage, compared to renting?
6. Interest rates
Are they high or not? Which way are they likely to go? If they go up, will that impact the borrowers, and real estate prices? If I fix a rate for a long period, will I be able to afford the payments on my house?
7. Leverage
Are there a lot of borrowers? Are they leveraged? Are they borrowing for property they live in? Borrowing for a first home, holiday home? How do banks react when property prices fall?
8. Supply and demand
What land and buildings are available? What real estate alternatives exist in that region? Is that region unique?
9. Legislation and taxes
Are my assets protected? What taxes do I have to pay to buy the property, to hold, and to sell? Are there incentives to renting or to owning?
10. Exchange rates
Am I buying property in a country where the exchange rate is undervalued, overvalued or at fair value?
11. Livable
If buying this property makes no business sense as an investment, is it at least a house that I will enjoy living in? Is it in a region where I can live safely with my family? How will I be taxed? What is the cost of living of that region? Is it at least a good place to spend my holidays?...
12. The future
How will the region, where I am planning to buy, evolve in the next 2 to 20 years? Is that likely to influence the real estate market?
13. Geopolitical
Am I buying in a safe country? Am I a sitting duck when I buy real estate?
And finally.....am I following the crowd when I buy real estate? That is the key question. We do not follow the crowd, we look for opportunities before they become popular. And when that real estate we bought in the bad days becomes popular...we sell it.