Real Estate

Real Estate

Asif Balwa, DB Realty : The Right Investment For A New-Age Home Buyer


New-age buyers today are well connected, have easy access to information and a specific set of requirements to fulfil. Leading builders such as Asif Balwa, DB Realty have been successful in meeting these changing demands through top-rated residential development in metro cities like Mumbai. But with so many attractive options to choose from, it may feel like a challenge to find the right investment for yourself. 

Being a high-value asset, there’s a considerable amount of homework that should be done before you make up your mind about where to invest. The first step to finding your dream home is to chalk out a list of key priorities. Knowing exactly what you want plays a significant role in finding the right home. This involves a close analysis of spending capacity and personal requirement in terms of size, space, location, facilities etc. One must also take into account special preferences with regards to floor, view and the like. With these parameters clear in your head, you can work with your builder to find the right home that matches your needs perfectly. 

Another huge aspect of realizing your priorities is to mark the budget. Given that there is a significant investment at stake, it is recommended to go for an option that falls within the budget in order to avoid financial pressure in the long run. If you’re depending on securing a home loan, make sure that the EMIs match your monthly budget. Do your due diligence to understand eligibility as a home loan seeker and also research on government policies, subsidies and housing schemes that you can benefit from. Also, keep in mind future financial capacity to select the ideal mode of repayment over time. Keep an eye out for hidden or latent costs and choose a payment schedule that works best for you. 

Not every homebuyer will have experience or expertise in the real estate market, which is why it is also important to study the industry on a personal level. There is a plethora of important information available on the Internet that will go a long way in helping you make the right choice. Additionally, working with a reliable real estate name such as Asif Balwa from DB Realty brings with it the guarantee of trust, credibility and long-term satisfaction. Well-known builders use their industry expertise to offer invaluable insights on market trends, the potential return on investment, individual suitability etc. 

As part of understanding your priorities and requirement, one must also take into account the purpose behind buying the house. This means thinking about important questions such as the number of occupants, dependent members in the household, aesthetic taste, design preferences and other similar parameters. One must account for long term plans. For example – will the property occupied by self or given on rent as a means of additional income. The important takeaway here is to accurately define your requirements before embarking on the house-hunting process. 

Buying property is unvaryingly a high-value investment that requires considerable deliberation and homework. It is important that every little detail is taken into consideration to ensure that it ticks all the right checkboxes. Engaging with a renowned builder who understands you and your priorities will greatly ease the process so you can focus on making the right investment for yourself.


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Real Estate

Get Informed on process of buying house before you are too late


You should invest a lot to get a home and similarly, you will need to think a great deal before selling your home, to be certain your hard earned-money receives the proper returns. Although the steps to buying a house is a huge job but selling a home is no less. If you live in a rented house then you have to be getting advice from your buddies, family and other elders, encouraging you to put money into property.

The Benefits of Buying a House

Purchasing a home is quite different. It’s not unusual to discover a home, have it inspected and then not have the ability to buy the home because of the status of the house. If you purchase a house with whatever fund you’ve got and then the market dips, you won’t have the ability to sell the house and even in the event you do so that you are going to have to tolerate the loss.

Whether you are purchasing a home or selling your real estate, IN you will need to ask the agent one or two primary questions. You wish to buy a home that will provide you with great value for the money. Purchasing a home with cash in Phoenix may have a variety of substantial advantages.

If you own a house in Singapore you may also make money by renting the home. There might come a time that you would need to purchase or sell a home. Selling The very first thing you’ve got to do when planning to put your home on sale is to appraise its problem.

Life After Buying a House

If you’re planning to get a home with a down payment assistance program, you ought to be mindful that you’re likely to have a lot of risks. It’s not possible to get a house that quickly, and that means you are going to have to rent a new place or even remain in a hotel meanwhile. Purchasing a new house can be a tough job for lots of people.

Purchasing a House Owing a house is one of greatest life achievements, but it’s one of the absolute most difficult in case you have a poor credit. You also ought to establish whether you’re thinking about staying in your house for a very long moment. If you are thinking about buying a house in Nevada County CA, don’t hesitate to call us to chat about your requirements and criteria.

If your premises is on mortgage then you could also enjoy deduction on tax return. Occasionally, there could be an overflow of properties readily available, while at other times, everybody will likely be holding onto their property. Property doesn’t mean you will end up rich in a day. Buying a property in Seattle real estate is not so straightforward.

Ok, Do You Think You Understand The Process of Buying a House?

The very first step in the practice of purchasing a house is determining your budget. You don’t wish to go bankrupt in the practice of purchasing a home, so make certain your bank account can deal with the pressure of the buy. The last step in the practice of purchasing a home is closing the sale. While the procedure for purchasing a house after bankruptcy isn’t as detailed, it’s still true that you will want to supply some financial documentation to your house loan provider.

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Real Estate

Find the house of your dreams without dying in the attempt


The decision to buy Villas for sale in Malta is an important step and finding the home of your dreams can be a long and tedious process. In this post we want to give you tips to facilitate your search and find the house of your dreams in the shortest possible time. If your previous house was bought, you will already have notions about this whole process, but for those who are released throughout this world, we will see how to find the house of your dreams.

It is time to take the plunge and buy a house

The first and fundamental thing to assess is the budget, how much are we willing to spend to buy Gozo property for sale? There are many factors in the search for the house that will make its value increase or decrease, but the most important thing is that the mortgage loan does not exceed 30-40% of the monthly net income. Knowing the budget we have, we will have to see what we are looking for, for this we can take into account various considerations:

Location and communication – Go to visit the area, seeing it first hand is the best way to check how well it is connected. It is important to see if you have shops nearby, schools, public transport, if it is a quiet or busy area.

State of the building and year of construction – Like the facilities and the quality of the finishes. They are very important elements to consider, as it may represent future expenses.

The possibilities of housing – Choosing a home is complicated and you should feel comfortable in it, but let’s not forget to have perspective. Knowing how to visualize the house to your liking, can help you find a home with many more possibilities than it appears at first.

Thermal and acoustic insulation – This can turn your dream home into hell, since poor sound insulation can bring you many problems with neighbors and street noise.

To find the house of our dreams you can search the numerous real estate portals. These portals will offer you a wide variety of homes in the area, taking into account your requirements and needs. And, above all, be patient, finding the house of your dreams can be a long and hard process. The real estate market is very dynamic. But it is important that you take your time and make sure that it really is what you are looking for.

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Real Estate

Tips To Consider When You Buy a Property in Malta at Affordable Rates


Malta is a quite small island in the Mediterranean and it also sees various foreign tourists on a regular basis. Malta may also be described as the quite safe place where you should visit, and the great thing here is that there are no such terrorist activities that have taken place any time in the recent past.

Moreover, citizens of EU Member State also enjoy the advantage that they may buy the first property in Malta devoid of any restriction. Certainly, no such permits are required in various cases and when they are it simply issues to various bonafide purchasers devoid of any such major requirements.

Malta – Ideal Location

Malta has an abundance to offer disillusioned Brit that includes the vibrant expat network along with a much affordable market and buoyant property market. It is an ideal location for living and this is a place where various Brits prefer to retire. Various other people are choosing to buy the holiday homes that they may simply use themselves or they may even rent them out to holidaymakers. Others are busy discovering some of the investment opportunities on this island, specifically within the gambling industry that is experiencing a great boom. It helps to make Malta a perfect destination for the expats.

–        The initial step for buying the property Malta is about hiring the notary public. He could lodge an AIP also known as Application for Immovable Property on behalf of the buyer when required and help in the buying process also. Once the property is chosen, you could contact the seller or the estate agent for making an offer.

–        Buying the property in Malta will be an altogether different experience from buying any house you might also have had, so let us now run through key differences. A various set of properties are listed with various estate agents so you should be aware of this while viewing as you really don’t want to view similar kinds of the property several times.

–        The agency is quite happy to not just accompany you to view but to drive as well, that allows you sitting back and enjoy a small tour of this island and get a great insight into property hotspots.


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Real Estate

Right Time To Purchase Properties In Australia


You have made the decision to purchase an investment property in Australia. Irrespective of whether you are buying a home in Australia for settling down or just for investment purpose, it is really a great idea.

Surprisingly, property investment especially building a home in Australia is no doubt an excellent investment. Plus, it is one of the best ventures for any individuals. There are often ones who are looking to some long-term capital gains.

Expert property analyst feel that property can be one of the most powerful wealth builders. If you are buying a home in Australia, you are making a smart investment.

Make sure that you work with a resourceful and competent team of individuals. This is very much vital for the continuous success of your property portfolio. However, you need to have a good understanding of the basics and that is significant too.

Selecting The Correct Property

When it comes to investing in any property in Australia, the major aspect is location. Seriously, this is the major factor each individual looks for while buying or building a home in Australia. Frankly, this is doubly significant for any potential investors.

If you are really planning on investing in properties in Australia, then you should go for new properties. They have a huge amount of advantage compared to investing in older ones. Here also, it is all about creating a strong portfolio. This will help in creating a long-term growth.

New And Latest Properties

Irrespective of whether you are buying a home in Australia or planning to build one, going for latest properties is beneficial. The best part of the new properties is that they are easily build to integrate with the allied infrastructures. Here these infrastructures refer to amenities, new transit, and schools.

So, it means that they need to be in prime locations which are attractive to tenants. In addition, they need to have lesser maintenance cost and even have more energy efficiency. Such features will attract quality tenants at an increasing rate compared to the older properties. Also, it will reduce the chances of getting financial outlay in the vacant period.

Building a home in Australia or purchasing new properties have higher claimable depreciation value. This will result in good cash flows. Also, it will bring in a higher resale value compared to older properties.

Basic Location

Another major factor in selecting a good property is location. You might plan on buying a home in Australia and there is a rule of thumb for investors. It is nothing but that city locations are far better and lucrative investment compared to rural properties.

Wrapping Up

Irrespective of whether you are building a home in Australia, it is important that you do extensive research and have a good real estate knowledge. These can come in handy in making good decisions.

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Real Estate

Know the Benefits and Reasons to Move to the Maltese Island


Malta is an island with many historical places including forts, megalithic temples and many others built by rulers like Moors, Romans, etc. It has dazzling scenery and beautiful nature, which attracts everyone towards it. All this makes it a perfect place to invest your money.

If you want to purchase properties to rent in Malta, then visit Benestate Iklin branch, it has more than ten years of experience in different sectors including selling properties, providing place for development, etc of real estate business. 

Reasons to move 

Malta has a wide variety of houses such as traditional Maltese, modern apartments, and houses made with gold stone, marble floor, and others. A buyer can choose the suitable house as per the taste and convenience.

It has fantastic climate ranging from 15 degree Celsius in winter to 40 degree Celsius during summer. You can enjoy the hot summer baths in August.

You can easily grab work opportunity in Malta as it possesses a lot of industries including cosmetic, film production, tourism, and many others. 

In Malta, real estate business is booming day-by-day. From 2015, the cost of a property is increasing gradually. In Malta, house prices are increasing and recorded 6.2 percent up in 2017. This show purchasing a house gives you good returns on investment.

EU nationals can enjoy a tax benefit of 15% and different schemes like Malta Residence Programme and Malta Retirement Plan. With this, you can save your earned income without spending much amount on taxes.

Malta official language is English so you can easily communicate with the local people. Malta property buying procedure is transparent as well as clear. You can choose a document, which is called as Promise of Sale Agreement. It contains everything in detail. If you want to make a secure investment with good returns, then Malta is one of the best choices to invest.

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Real Estate

Making the mortgage process a simple one with broker services


A mortgage is a type of loan provided by a bank or financial institution to homeowners based on their property. In fact, a bank will use the property title as collateral while offering loan to a lender. Mortgage borrowers can repay their amounts in monthly installments that can reduce the burden to a large extent. The mortgages involve different types and one should know about them in detail that allows a person to make a better decision. On the other hand, it is advisable to compare the interest rates of loans with attention for deciding the right one accordingly.

What are the risks involved in the mortgage process?

Buying mortgage loans involve several risks and most borrowers are not aware of them properly. The important thing is the interest rate because it may vary from one lender to another lender in a location and country. Therefore, it is necessary to compare interest rates from different sources before buying a loan. Some lenders charge high interests that can lead to several problems. In addition, they add additional charges without informing a buyer. It is advisable to read the terms and conditions of a lender before signing the papers.

What is a mortgage broker?

A mortgage broker is a person who acts as an intermediary between customers and lenders to make the process a simple one. The main job of a broker is to evaluate the requirements of customers in detail and suggest the right types of loans which exactly fit their income and other important characteristics. Moreover, he or she will work with a lender to submit the reports after studying the backgrounds of a buyer. In most cases, a bank will provide loans to a customer based on the reports and details submitted by a broker.

Factors to consider when choosing a broker

There are several things to consider while selecting a mortgage advisor in a location. Some of them include knowledge, market analysis, costs, market coverage, experience, and variety of services. Not all agents offer the best services and a buyer should focus more on evaluating them from different sources. Another thing is that it gives ways to get peace of mind from stress and other problems while purchasing a loan. A mortgage broker should fulfill the expectations of customers when buying a mortgage loan.

Exploring the best mortgage deals

Anyone who wants to explore the best mortgage deals should consider seeking support from a professional for meeting essential needs. Apart from that, it enables buyers to focus more on their objectives when purchasing a loan. It is possible to choose mortgage loans with low-interest rates after consulting with an expert broker. Moreover, customers can save more money on mortgage amounts while repaying them. A mortgage advisor will guide buyers to know the things involved in the money lending process enabling them to gain more advantages. Also, buyers can learn more about the options available in the markets with a broker to select the best one depending on their requirements.

Mortgage services in Manchester

The mortgage services in Manchester allows first-time buyers, landlords, and homeowners to handle complex issues with highly qualified brokers. They will take care of all the paper works and other things thereby helping to process the loans quickly. Those who want to get the best mortgage advice can select them for minimizing complications. Buyers can even know the rules and regulations followed in Manchester while buying a loan. A broker will make the mortgage process an easy one while working customers.

Mortgage services online

Nowadays, leading mortgage companies offer online services for buyers and they can pick an advisor based on the choices. The initial consultation is absolutely free enabling buyers to monitor their progress with regular updates. New buyers can even send their details and requirements online and advisors will evaluate them carefully before processing a mortgage loan. First-time loan buyers can get more ideas from advisors who help to reduce burden while processing an application. A buyer can select a mortgage lender after consulting with an advisor online. Most advisors provide methods to avail a loan after studying the needs of a buyer.

Understanding more about mortgage services

Buying a mortgage loan involves more challenges and customers should understand them properly before purchasing it from a lender. Mortgage broker Manchester lets customers buy fixed-rate mortgages and interest-only mortgages based on their income. People who have difficulties in getting a mortgage loan due to poor credit history and other problems can consult with the broker for fixing them easily. Since the mortgage interest rates are subject to changes, it is advisable to hire services from a company that offers solutions with great teams. Buyers should read reviews and testimonials of mortgage brokers before choosing services which help to accomplish goals in the financial area.


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Real Estate

Toronto Real Estate – Know the Best Neighborhoods in Town


Toronto is undoubtedly a varied metropolis and also is thought about to be among the leading multicultural city in the world. Toronto is a gorgeous community for every ethnicity worldwide. The recent Toronto Real Estate Market has proved to be an extremely encouraging one. There are a great deal of solitary as well as semi separated houses that are being offered in Toronto but recent data have actually revealed a boost sought after for condominiums and also apartment or condos as well. Here are a few of the much recommended real estate areas in the city.

Lawrence Park. Known as among Toronto’s upscale areas, Lawrence Park is just one of the city’s pioneering yard suburban areas. The community is comfortably situated near business districts such as Bayview Opportunity and Yonge Road. Lawrence Park includes homes and also estates built with Tudor Resurgence as well as Colonial building designs.

Davisville Village. Found on the northern end of Mount Pleasant Burial Ground, Davisville Town is made up primarily of apartment units and apartments. The neighborhood is close to the train station as well as villagers take pleasure in the environment’s rich eco-friendly sceneries.

Leaside. Originally had by the Lea origins, Leaside is a community that started as a railway community in the very early 1900s. Leaside lies near DVP, TTC, schools and lots of shopping mall in the area. Among the very best areas in the city is located in Bessborough Dr, popular for its tennis club, peaceful community as well as prestigious schools.

Deer Park. Residence to a number of Canadian characters such as Glenn Gould and also Edwin Boyd, Deer Park is a charming little town that takes pleasure in a close closeness from the Metro Terminal, a scenic cemetery as well as a center class residential area.

Rosedale. Bordered by 5 metro terminals, Rosedale is among Toronto’s finest as well as most practical communities to stay in. The whole neighborhood attributes curved roads, exclusive schools, a golf club and a handful of unimaginable billion dollar mansions.

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Real Estate

Five Benefits of Hiring a Real Estate Agent


Selling your home and buying a new one can be physically and mentally strenuous as it involves unending phone calls, voluminous paper works, long hours of meetings and abortive efforts. Taking charge of the selling of your home and buying one of the new build homes Heswall can be tedious and time-consuming. As a result of these regular challenges, it is important to seek help from professionals that are well trained in the area of selling and purchasing of homes and these professionals are real estate agents. Although, most time the level of their ability is doubted but seeking their help has been known to be more advantageous than DIYs. Below are five important benefits you stand to get by hiring a real estate agent.


The experiences of these agents are brought to life during transactions and negotiations. As a result of this, you are guided during the process of decision making since they would have worked with as many clients as possible. When confused about a certain decision to take, it is advisable to turn to an agent to avoid making regrettable mistakes.

Easier Transaction

One of the benefits that hiring a real estate agent offer is the provision of an easy transaction between you and the buyer. As mentioned earlier, the processes of buying or selling a house involve lots of painstaking and time-consuming procedures. By hiring an agent, you spare yourself from this hassle.

Good Advice

The process of buying or selling a house involves making lots of life-changing decisions and sometimes it can get confusing without the right advice. Apart from helping you sell or buy a house, the job of a real estate agent is to act as a guide while making these kinds of important decisions.

A Wider Network

Another reason to hire a real estate agent is the wider network of home buyers opened to you. Getting who to buy your home can be a difficult task at first but with the help of an agent, information is passed to a larger network of people.

Faster Results

Results are important in the process of selling a house but this can take longer to reach when doing it on your own. One of the benefits of involving a real estate agent in this process is the faster result that is achieved. Due to a larger network and experience, it is easier to round up the process of buying and selling a house on time with the help of an agent.






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Real Estate

Know About Lease Agreements and How You Can Have Them to Your Advantage



A house or a real estate property is one of the most expensive assets a person can and will want to have in his lifetime. However, not everyone has the fortune to have one built up and live at the comforts of it. This is why these days, rental or lease agreements continue to thrive as they offer the same level of comfort and facilities without leaving too much financial burden to people. 

Nevertheless, as a landlord/rental property owner, although the likelihood of you earning a lot from your property is high, it is still vitally important that you put all your leasing terms in writing as simple verbal agreement no longer deems secure or reliable. 

The Difference between Rental and Lease Agreement

If you are considering to renting or leasing your property out, it is important to familiarize or strictly define the terms present in the agreement contract or form as there are a lot of potential tenants who are going to be interested in your property and not all of them can be trusted on. But first, you have to choose first between entering into a rental agreement or a lease agreement. 

What is a Lease Agreement?

A lease agreement is unlike a rental agreement in many ways although they are often thought of as the same thing. To put it simply, lease agreements are longer, stricter rental contract than a typical rental agreement. 

  • Rental agreement is usually short term and the terms can be changed on a monthly basis including the rules, rental amount, and all other rental terms. Lease agreements, meanwhile, cover a longer period which may last from six months up to thirty long years particularly for commercial properties. The most commonly used duration, nonetheless, is one year. 
  • Rental agreement practices automatic renewal of contract allegedly to save a lot of paper works and hassles since the contract ends on a short term basis. Here, all the rental agreement terms of the current contract carries over onto the new contract by default and the landlord has to manually intervene and ping the other party whenever changes on the terms go down. Meanwhile, in lease agreements, automatic renewal of lease is void. That is to say that as soon as the original contract expires, the landlord and the tenant will have to sign an all new contract with terms probably modified. In many cases, after the maturity of the original lease, the lease term can go through a diminishing manner. 

Both types of agreements are to follow what is stipulated in the state law regarding the advance notice period before any contract expiration or renewal. The most common grace period is thirty days, i.e. landlords are obliged to ping their tenants 30 days prior to the maturity of the contract and details of the changes in terms if there are any. 

  • Now, in lease agreements, the terms and clauses stipulated in the contract cannot be altered or modified in the middle of the lease period. Therefore, if the tenant already signed a lease contract that is to expire after a year, the landlord cannot implement an increase in the lease amount and will have to wait until a month before the contract expiry of the original lease. The advance 30-day to contract expiry notice still applies. 
  • Aside from the elements mentioned above, health and safety concerns may also be included in the terms like the lead paint disclosures or any information relating to health and safety of the tenants, landlords, and the rest of the community. 


Common Clauses of Both Rental and Lease Agreements

Although they may differ especially in terms of duration, both rental and lease agreements still share a lot of things in common. They are both legally binding agreements represented by a legal contract signed by both parties. The contract must include the following clauses:

  1. Amount of Rent or Lease 

One of the vital elements in a lease or rental contract is the amount the tenant is obliged to settle on a periodical basis. Without this, a rental agreement can go out of hand and can put the rental property at a greater risk. 

  1. Rental Property Owner

The name of the rental property owner, also known as the landlord or the lessor, must be clearly specified in the contract as well as the name of the renter, or also known as the tenant or the lessee.

  1. The Start and End Date of the Contract and all that other important dates concerning the notice of expiry or payment
  2. The terms of Security Deposit including the amount to be deposited and paid in advance as well as the dates where the security deposit is to be paid by and returned to the tenant. 
  3. Specific Landlord Entry Terms (Tenants are given the right to privacy that even though they are only renting the property, landlords must still respect it.)
  4. Move Out Terms and Procedures
  5. Pet Policies. Although not all landlords are strict about pets, this clause becomes necessary especially on compound properties wherein other tenants may find it uncomfortable or unsafe with animals roaming around the area. 
  6. Limitations about the Occupancy. Rental agreements run shorter when compared to lease agreements. Regardless, both types should include the occupancy or subleasing terms to ensure that those who have signed the lease agreement and the names included in the contract are the only ones to occupy the property unless the landlord permits otherwise. Moreover, the tenants will not be allowed to put the leased property for lease to other parties sans the rental property owner’s approval. 
  7. Repair and Maintenance Rules. Not all renovations are good for a property even if they are for beautification especially if the landlord is not comfortable with it. This is why this clause is important. Both landlords and tenants should be clear about the particular maintenance obligations that the tenants must meet under the lease contract. Nevertheless, tenants are always deemed responsible for the cleanliness and order of the rented property. All permissions or prior notice of modifications or repairs shall be clearly defined in the contract for the rental property owner’s peace of mind. 
  8. Illegal activities or other activities deemed harmful or disruptive to the neighborhood including excessive noise or dubious engagements. All landlords are advised to list out all prohibited practices or behaviors in the contract; violation of such shall constitute bases for contract termination. 


The Upsides of Lease Agreements to Landlords and Tenants

While a lot of people may say rental agreements are a friendlier option between the two, a lot of rental property owners and tenants still go for lease agreements for many valid, beneficial reasons. 

For the part of the tenant, the following are the advantages:

  1. Reduced Initial Costs

During the construction of properties and buildings, it is not only the construction per se that needs capital. Before the building commences, the land must be acquired first. Oftentimes, the land has a significant say to the overall cost of the property and enhances the upfront development cost substantially. By entering into a lease agreement, as a tenant, you will no longer need to buy or save a lot for the land. Your land acquisition costs will automatically be eliminated.

  1. Reduced Tax

Entering in a lease agreement is also beneficial in terms of associated tax deductions. For tenants like you, you can actually subtract the rental payments you will have to make on the structure or underlying land from its state and federal income taxes. Sans the tax fees, it could mean lesser mortgage obligations. 

For the part of the landlord, the following are what makes lease agreement a good deal: 

  1. Reduced Tax

One upside for the landlord is the tax reduction he could be entitled to, i.e. if the property is being sold outright, it would need to identify a capital gain and pay taxes on that gain for the lease period in which the sale occurred. Meanwhile, entering into a lease allows the landlord to avoid an accumulated tax payment. Rather, the landlord can just take note of the rental income from the lease contract and only settle ordinary income tax based on that collected amount. 

  1. Retention of Ownership

Another obvious benefit of putting the property for lease is ownership retention of the property. If the landlord runs as a large trust or corporation, long term development plans may be there or the interest to hold the property for future use may be likely. Thanks to lease agreement, this is made possible as the right to ownership is still retained under the name of the landlord.

As this is a very important, not to mention, expensive property being put at stake, putting everything in writing is outright necessary. The contract shall set as a barrier and a basis that ensures that both parties are on the same page. Investing a lot of time on the contract preparation is surely going to be worth it. 


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