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Mortgage Loans
dunkang
#51 Posted : Tuesday, February 25, 2014 11:55:21 AM
Rank: Elder

Joined: 6/2/2011
Posts: 4,824
Location: -1.2107, 36.8831
@GG, the updated rates (as at 23rd January 2014) are in post #48.

@Mwekezaji, HassConsult quarterly reports (Mortgages Special Report), you can get them in their website as pdf!

What is making me wonder is that a 5M/- mortage at 15% for 12 years comes to 75K/- monthly for 10.8M/- Total.

No Wonder Housing is EXPENSIVE in Kenya!
Receive with simplicity everything that happens to you.” ― Rashi

Mist
#52 Posted : Tuesday, February 25, 2014 12:36:53 PM
Rank: New-farer

Joined: 1/8/2014
Posts: 77
@dunkang Africa Development Bank ?
Simplicity is the utmost sophistication.
VituVingiSana
#53 Posted : Tuesday, February 25, 2014 12:55:17 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,356
Location: Nairobi
Buy To Let [Buy To Rent] a completed unit is a fool's game in Kenya if you need to borrow at least 50% of your requirements.
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
heri
#54 Posted : Tuesday, February 25, 2014 1:13:19 PM
Rank: Member

Joined: 9/14/2011
Posts: 869
Location: nairobi
a4architect.com wrote:
property/land increases value at a rate of 20% annually around nairobi.
If you add the rent earned per year plus the increase in value yearly, the bank loans still look feasible.
Land value affects inflation rate which affects bank interest rates.

isn't 20% appreciation in value especially for property/buildings too high? can i buy an apartment in Kileleshwa for sh 12million and assume it will appreciate in value at 20%? i doubt it as i think the sh 12million is probably overpriced and there could be a real risk in future of values not appreciating at all

in any case, how many years can it go up at that rate?
a4architect.com
#55 Posted : Tuesday, February 25, 2014 1:32:42 PM
Rank: Veteran

Joined: 1/4/2010
Posts: 1,668
Location: nairobi
@heri, land appreciates at 20% annually and above. Developed land appreciates much slower, maybe around 5 to 8% annually.
The rate of appreciation will depend if you have bought underpriced or over priced. If you bought overpriced, the property might even depreciate in value over the years.

In Kenya, most value is gotten through the comparison method. There are other methods such as the architectural method whereby you check on the value of construction vis a vis value of land. The land should be around 20% of total construction cost.

I use it for my real estate investments and it works well. For example, the southern bypass hotel whereby assuming the building can accommodate kes 40m of profitable construction, the land should therefore cost 40m x 20%=kes 8m. The purchase price should not hit 8m for the land.

http://www.a4architect.c...ects-vs-stock-exchange/

By mid this year, land price will be over 8m. By Mid next year, the price will double, to be like as seen along the Eastern Bypass.

This is the method i use to gauge if land price is over valued. If land is over valued, this means that the return on investment will not be possible. The international benchmark for unviable return on investment is 15 years. Land that can return on less than 15 years is viable. The hotel investment, for example, has a return on investment of 5 years on average.

Check land price appreciation analysis for cbd lands here

http://www.a4architect.c...nd-prices-appreciation/

The land price in CBD is still undervalued at the current kes 300m per acre till it reaches 2billion as the economy grows.
As Iron Sharpens Iron, So one Man Sharpens Another.
dunkang
#56 Posted : Tuesday, February 25, 2014 1:41:09 PM
Rank: Elder

Joined: 6/2/2011
Posts: 4,824
Location: -1.2107, 36.8831
Mist wrote:
@dunkang Africa Development Bank ?

I just snapped the table the way it's presented in the HassConsult Report. I have not done any research (and i don't intend to).

Thanks though for the heads up. Anyone intending to take a mortgage will surely look at Africa Development Bank! Thanks again!
Receive with simplicity everything that happens to you.” ― Rashi

VituVingiSana
#57 Posted : Tuesday, February 25, 2014 2:21:33 PM
Rank: Chief

Joined: 1/3/2007
Posts: 18,356
Location: Nairobi
Warren Buffett said any sector cannot grow faster than the economy for an extended period of time or it will become larger than the economy... which it cannot...
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
dunkang
#58 Posted : Tuesday, February 25, 2014 3:36:51 PM
Rank: Elder

Joined: 6/2/2011
Posts: 4,824
Location: -1.2107, 36.8831
VituVingiSana wrote:
Warren Buffett said any sector cannot grow faster than the economy for an extended period of time or it will become larger than the economy... which it cannot...

How much of the Kenyan Economy is actually documented/recorded. Most of Africa's economy is largely informal hence may be growing faster than the formal well documented businesses.

However, the housing prices and annual increment in Kenya is simply ABSURD.
Receive with simplicity everything that happens to you.” ― Rashi

justKiwi
#59 Posted : Tuesday, February 25, 2014 6:10:58 PM
Rank: New-farer

Joined: 8/25/2012
Posts: 32
a4architect.com wrote:
@heri, land appreciates at 20% annually and above. Developed land appreciates much slower, maybe around 5 to 8% annually.
The rate of appreciation will depend if you have bought underpriced or over priced. If you bought overpriced, the property might even depreciate in value over the years.

In Kenya, most value is gotten through the comparison method. There are other methods such as the architectural method whereby you check on the value of construction vis a vis value of land.<font color='red'> The land should be around 20% of total construction cost,</font>.

I use it for my real estate investments and it works well. For example, the southern bypass hotel whereby assuming the building can accommodate kes 40m of profitable construction, the land should therefore cost 40m x 20%=kes 8m. The purchase price should not hit 8m for the land.

http://www.a4architect.c...ects-vs-stock-exchange/

By mid this year, land price will be over 8m. By Mid next year, the price will double, to be like as seen along the Eastern Bypass.

This is the method i use to gauge if land price is over valued. If land is over valued, this means that the return on investment will not be possible. The international benchmark for unviable return on investment is 15 years. Land that can return on less than 15 years is viable. The hotel investment, for example, has a return on investment of 5 years on average.

Check land price appreciation analysis for cbd lands here

http://www.a4architect.c...nd-prices-appreciation/

The land price in CBD is still undervalued at the current kes 300m per acre till it reaches 2billion as the economy grows.

Even in expensive suburbs such as Runda, Karen, Kilimani etc. would 20 % count.
a4architect.com
#60 Posted : Tuesday, February 25, 2014 8:10:37 PM
Rank: Veteran

Joined: 1/4/2010
Posts: 1,668
Location: nairobi
in karen and runda, maximum construction, 1000m2, costs 50m per 0.5ac. 20% of this is 10m. Financially, the land should cost 10m. Its overpriced to 40m due to fulfilment of other demands apart from financial e.g prestige etc.
As Iron Sharpens Iron, So one Man Sharpens Another.
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