Category: Investment

With many tempting locations featuring properties for sale in Pune, what does it take to make a new one stand out? Aundh, Wakad, Baner, Pimple Nilakh, Pimple Saudagar and similar areas have had their heyday.

Now, it is the turn of Ravet, which lies on the North-West side of Pimpri Chinchwad Municipal Corporation and Pune. This location is set to become the new paradigm of investment property in Pune. Various significant real estate market drivers have combined to make Ravet the most promising destinations for Pune residential property.

Superior Location

With its development masterminded by the Pradhikaran-Pimpri Chinchwad New Township Development Authority (PCNTDA), Ravet enjoys the benefit of an extremely strategic location on the Pimpri Chinchwad map. It is, in fact, the first town that appears on leaving the Mumbai-Pune Expressway.

This has resulted in it becoming known as the Gateway to Pune; but that is not all there is to it. Ravet is a junction of the old NH4, the Katraj-Dehu Road bypass and the Mumbai-Pune Expressway and is placed advantageously close to the Hinjewadi IT hub and Pimpri-Chinchwad industrial belt.

The residential property investment potential at Ravet is further enhanced by the fact that J.N.N.U.R.M has begun construction of a 45-metre, grade-separated, non-signaled four-lane BRT (Bus Rapid Transport) road at this point. This road, with 40% of the work already completed, will ensure that key area such as Aundh, Pimpri, Chinchwad, Chakan and Talegaon are in easy access from Ravet.

Developer Activity Picking Up

Two major development companies active in the PCMC area are now collaborating on a highly modern integrated residential township at Ravet’s focal centre. In Pune, township properties are definitely the lifestyle wave of the future. Spread over 2.5 million square feet, this integrated township – which features futuristic facilities aimed at making it entirely self-sufficient – is going to be developed in three phases.

Since the highest demand in Pune is currently for affordable housing, the first phase targets the middle-income group with 2/3BHK flats ranging in size from 800 to 1200 square feet. These flats are currently priced between Rs. 24 to 34 lakh at the initial offering phase. Taking a cue from this pioneering project, other developers have also acquired land in Ravet, although their projects are yet to be announced.

The Trappings Of A Pune Real Estate Legend

While Ravet’s accessibility is certainly one of its biggest real estate market drivers, it also has a number of very important establishments in its immediate vicinity. These establishments will ensure that any township properties in this area will thrive.

Among them are the famous Aditya Birla Hospital, industrial giants such as the Bajaj Auto manufacturing plant, SKF and Telco, as well as important education establishments like the Indira Institute of Business Management, D.Y. Patil College and Mercedes Benz School.

Of course, the fact that Ravet is so close to the Hinjewadi IT hub is a major factor in terms of property investment potential. Ravet, with its upcoming integrated township, will now offer affordable residential property options for software employees from this software hub, as well as to those from the Talegaon MIDC and Chakan MIDC.

As of now, property rates at Ravet are still extremely rational. Rates at such township properties tend to be slightly higher owing to the fact that they provide their own infrastructure. Because of this, the appreciation potential for properties in such townships is also much higher than in other projects.

Stock investment is a career, hobby or tool that is not easily accessible to everyone. It can be very risky and can cost you a lot of money if you don’t know anything about handling a portfolio and applying a working strategy in your investing activities. For the new investor, it is a business that will require a lot of skills and knowledge in order to be successful. Serious business it may be, but it certainly is one that will earn you a generous amount of money if you pursue it with the right information and smart decision-making.

Research the investment type that you want to trade –

It is necessary to learn more about the securities that you wish to invest in. As it can be a factor that can contribute to your success in the stock market, gaining valuable information regarding the investment types that you can pursue will be of great help in your undertaking as a novice in stock market dealings. With so many tools and resources available to you, both online and offline, there is no excuse for not doing proper research before you make any decisions. From guides, books, seminars, training courses, newsletters, reputable websites, audio courses, podcasts and much more, you have access to more information than ever to help you decide what type of investment is right for you.

Look for a working strategy that you can employ in trading –

Beginning stock investing requires careful evaluation of your options. You have to be certain that what you are doing is right and that it will help you reap the rewards of your undertaking. The easiest way to achieve this is to apply an investment strategy that you have cautiously analyzed.

A working strategy can be the key to the outcomes of your stock market transactions. You will be able to come up with one if you will take the time to research the market including all the factors that affect its movement. Though there is no certainty as to the markets predictability, knowledge about how it tends to vary depending on its various determinants shall help you employ the most applicable technique for your investments. With careful stuffy, you will be able to earn great returns with your stock market dealings.

Stock investment for beginners can be very lucrative, but you have to understand that it is not easy to take part in and should not be taken lightly. Before you jump in, don’t be afraid to get help from professionals, it may be a decision that saves you a load of money.

Maximum Investment Plan (MIP)

MIPs, also known as qualifying policies or savings endowment plans, are marketed by life assurance companies. A MIP is a unit-linked endowment policy which must be maintained (in the form of regular contributions) for at least a 10-year term. An element of each contribution is set aside to provide life cover with the balance being invested in unit-linked funds or other securities. Providing they remain within the qualifying limits, contributions can be increased or decreased.

The plan holder usually has a range of funds to choose from and will be able to switch between funds, or add funds, subject to a charge. Where annual management charges are levied they are normally in the region of 1% of the value of the MIP: bid/offer spreads are usually around 5%.

Tax-beneficial
Although the funds investments are subject to a maximum of 20% life fund taxation, at the end of the term the plan holder has a cash lump sum available which can be taken free from any higher rate income tax and CGT. It may also be possible to extend the policy beyond ten years and start taking a tax-free income from the MIP while continuing to make contributions to it. MIPs are available to UK residents aged over 18. For life cover to apply the policy holder must be under 80 years of age.

Nagpur, famous for its oranges, has successfully emerged as the hub of real estate. The success can be attributed to the over all commercial and residential development of the city. Nagpur, only a milestone behind Mumbai, has attracted and established medium to heavy industry, IT , ITeS and BPO sector to the city. The city has a load of advantages in its favour. Nagpur is one of the most central cities, with abundance of affordable land and labour, which works out in favour of most companies to set up a unit in the city.
In the past 5 years, IT, ITeS and the BPO sector have made inroads in to the city with companies like Satyam, Hexaware, TCS, and WIPRO setting up their facilities in the city. Besides, the Special Economic Zone will host companies in various sectors in the state. One of the most pronounced investments in the city includes that of Boeings USD 100 million maintenance, repair and overhaul base for Asia. This project will lead to a number of job opportunities, talent movement to the state and thus residential development around the site of the project.
The Airport
One of the most talked about projects, the Airport, is the largest economic development project underway in India. The project brought along industry and real estate interest to the city. The projects attempt to make Nagpur, one of the most central locations in India into a cargo hub with the development of the Cargo airport. The project integrates road and rail connectivity. Project consists of two parts namely International airport to act as a cargo hub and a Special Economic Zone with residential zone covering a total area of 40.25 sq. km on the southern end of Nagpur. Spread over 3310 hectares, the MIHAN project will utilize 1200 hectares exclusively for the airport. Since the launch of the project in 2006 there has been extensive commercial and residential development in the city. This also led to a surge in prices in the real estate in the city.
Residential Property in Nagpur
Once a dormant city, Nagpur has made good progress with Malls sprawling up and city coming alive, day and night. Dhantoli, Wardha, Marathahalli, Shankar Nagar and Amravati Road, Manish Nagar have seen extensive residential development and command good rates. The city has not only seen development in the city areas but has also expanded in the north, east and west.
The city has seen massive push in prices owing to the rising demand. Civil Lines remains the citys premium residential neighbourhood, fetching highest rates
Not only that, the city is seeing development integrated townships. as there is abundance of supply there are builders booking large pieces of land. Satyam Group and Sahara Group have shown interest in developing such projects, while DLF has undertaken to develop the SEZ Park in the city and aims at generating over 50000 jobs in the city.

Some of the local builders that have undertaken residential projects include Hindustan Builders, Nikunj Builders (P) Ltd, Roshni Developers and Shewalkar Developers Ltd.
Commercial development in Nagpur
Sky rocketing prices in the commercial real estate sector is the talk of the town in the city. Some of the most intriguing deals at the highest prices include the sale of land by The Maharashtra Airport Development Company (MADC) at Rs. 80 lakh an acre. Within the city the prices are even higher. Even at this price the demand has been steadily moving up with absorption around 50-60%. The logistics park has attracted investment may times over the original investment.
8 million sqft of space in Nagpur is covered with shopping malls. Matching the needs of the residential development and increasing need for sophisticated shopping formats, WHC Road, Itwari and Dharampeth have seen high class retail development. Also, the citys shopping needs are met by markets in Sitabuldi, Sadar, Central Avenue, and Gandhi Baug. There are also another 6-8 shopping malls planned in the city to come up in the by the end of this financial year. These are expected to be located in Grain market in Wardhman Nagar, Jaripatka, Netaji Market and Water Works Department in Sitabuldi, Gokulpeth Market and Pachpoli Flyover near Kamal Square.
Investors in the city

NRIs have shown a special interest in the city, as it is one of the most lucrative tier II city in India. Also, a lot of people who moved out of city to the metros can now plan and move back to the city. This category looks at real estate with high interest.

How to invest

It is easy to find out about the city through the internet. One of the easiest ways is to log onto any site and find about the builders and brokers in the city and contact them through the site. As currently the supply is good, once the first steps are taken finalizing the property will not be much of a hassle.

Nagpur is in its most attractive phases right now and will continue to be the hotspot for coming few years.

In short (and for those that have not read my previous articles), here is a quick summary of the current Los Pandos investment scheme and the benefits of investing:

Minimum Investment 5,000
Invest in Euro, GBP, US Dollar or Swiss Franc
Returns Fixed at 30% to 39%
Investment Period Fixed for only 3 years
Privileged Access to Future Investments
Asset Backed Security SIPP and SSAS approved Proven Track Record FAQs
Q. What Guarantees do I have for my investment?

A. The security offered is by way of a formal charge against the land. We have a mortgage charge (this is the same as what banks take when loaning money to individuals or corporations) which covers the invested sum for all clients. Once you have signed your contracts they are taken to a Notary who will then create a formal charge on the land in your name. This means that after the 3 year term of your investment the funds plus interest must be returned to you. If not, you inform the Notary and the entire asset is frozen.

This (mortgage charge against the asset) is one of the highest forms of security available.
Q. The Vineyard will not be producing wine until after my investment has matured, how will you pay me back? A. We can demonstrate our ability to pay back in various way including:
Governmental grants for the building of the Bodega and re-planting of vines
Current farm and vineyard revenues
Other contracted revenues
Re-finance options
Equity partners

Q. Is the value in the asset if I were to call on the guarantee?

A.Yes, it is worth noting that we are only geared at no more than 30% of the current value today. The asset is increasing as we reach definitive planning (3 fold) and our gearing currently decreasing as we are paying back investors in other areas of the project.
Q. What if you don’t get definitive planning?

A. The asset more than covers our liability at this planning stage and the planning process has reached a position where it is irrevocable. On top of this the vineyard and other areas of the project do not require planning as they fall under agriculture use and Projects of Singular Interests (PSI).
Q. What is the process required to execute the guarantee?

A. In case of breaching the contract, one of the mechanisms that can be performed is the Out-of-court procedure, which is ruled in the Ley Hipotecaria Act (section 129), Reglamento Hipotecario Act (sections 234,235 and 236), and Civil Code (section 1858). This procedure is quick and simple and can be carried out by a Notary Public.
Q. How many charges are registered on the land that secures this investment?

A. There are no other encumbrances on this land. According to Spanish Mortgage Law, mortgages must have a priority order. Any future borrowings would take second place to this charge.

Q. What if we cannot sell the wine?

A. This investment is not affected by the sale of the wine, as the first year of production will be after your loan has been repaid. This investment is a stand-alone structure using company, farm and vineyard revenues, grants and re-financing and equity partner options.

Q. What if the harvest fails?

A. The vineyard and farm currently produces a profit in excess of ?420,000 per year. Since the vineyard’s inception two decades ago, there has been no crop failure. In addition, part of the initial funds raised has been invested in the improvement of quality and yield of the grapes. It’s important to note that returns are not based on the vineyard profit.

Q. Why don’t you go to a bank for the finance?

A. We have decided to build the bodega on private and public investment as the general banking situation is extremely difficult on a worldwide scale. One of the funds primary objectives is to build a loyal investor base to whom we can present further exclusive investment opportunities to within the Los Pandos Eco project over the course of the next six to eight years. Investors have the option at the end of their initial three year investment to take advantage of an exclusive investment opportunity within the development or to simply take the profits earned and cash in their investment.

Q. Why don’t you wait and re-finance in the future and why are these returns so high?

A. Quite simply these grants may not be available in the future and one of these, the replanting grant for the new vineyard, covers 100% of the cost. Additionally when planting new vines it is an average of 4 to 6 years before the grape is stable enough to produce a good quality wine. By starting sooner we can bring the profit in sooner.These two elements alone make it more than financially viable to offer these levels of returns.

Q. Can I get my money out before the end of the investment term?

A. No, the funds are tied in for the three year period with Capital and Interest being paid at the end of this term.

Q. When does my investment begin?

A. The three year investment begins when your funds are received by us.

Q. Is this investment affected by the worldwide credit crunch?

A. No. As the investment is being raised by private finance, we are not dependant on any kind of loans from banking institutions.

Q. Are there any other costs or charges?

A. No, the fund does not have any set up, ongoing or closing fees. At the end of the term we return your invested amount plus the pre-agreed return.

Click here to view the Los Pandos Investments website and see our latest news Click here to learn more about Los Pandos

Click here to view the Los Pandos Investments website and see our latest news
Click here to learn more about Los Pandos