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Housing Finance: HFCK a diamond in the rough
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instinct
#1411 Posted : Tuesday, October 27, 2015 5:12:15 PM
Rank: Member

Joined: 8/17/2007
Posts: 294
enyands wrote:
mlennyma wrote:
Aguytrying wrote:
@maich. HFCK is threatening to go below 20 today

Kk tooSad I foresee the worst coming



Mlennyma you and kk reminds me of @Obiero and kq. Anyways I just realised this kk has given you alot of emotional rolacosta. Still i insist wake me up when it's 10 bob.


it cant... coz everyone anaingojea kaa fisi.. Drool
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mlennyma
#1412 Posted : Tuesday, October 27, 2015 5:29:29 PM
Rank: Elder

Joined: 7/21/2010
Posts: 6,194
Location: nairobi
instinct wrote:
enyands wrote:
mlennyma wrote:
Aguytrying wrote:
@maich. HFCK is threatening to go below 20 today

Kk tooSad I foresee the worst coming



Mlennyma you and kk reminds me of @Obiero and kq. Anyways I just realised this kk has given you alot of emotional rolacosta. Still i insist wake me up when it's 10 bob.


it cant... coz everyone anaingojea kaa fisi.. Drool

you concentrate where your mouth is but I realize Kk is among the most discussed stocks making many wanjikus to get in thinking making money is a magic.they soon leave heart brocken.Aluta continua
"Don't let the fear of losing be greater than the excitement of winning."
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MaichBlack
#1413 Posted : Tuesday, October 27, 2015 6:50:05 PM
Rank: Elder

Joined: 7/22/2009
Posts: 7,838
Aguytrying wrote:
@maich. HFCK is threatening to go below 20 today

Yeah. As most of you are saying, I should hold on to my horses. There is a chance of getting in at a lower price!!

But I really don't want to miss the bus on this one. I want to (over) load more once and for all!!!

I hope I will not get caught up in a forever waiting mode and when the prices start heading north I keep waiting for them to come back down and they never do! These happens to investors more often than you would imagine. That is why most never benefit from low prices. Remember when Safcom was trading at 2.xy and 90% of Wazuans were waiting for it at 1 bob!!! One fellow even started a thread (much later) titled "What will happen when Safaricom shares move back to 5/=" And the best answer in that thread was "One share of Safaricom will be trading at five shillings!!!". He he he.
Never count on making a good sale. Have the purchase price be so attractive that even a mediocre sale gives good returns.
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Aguytrying
#1414 Posted : Tuesday, October 27, 2015 7:38:28 PM
Rank: Elder

Joined: 7/11/2010
Posts: 5,040
@ maich. I remember Safcom at those prices!! For hfck put for yourself a buying price and buy at that price and below until you've bought enough. There will be no time you will feel comfortable that the price won't go lower... When it reaches your threshold just keep buying slowly. This means, yes the price may continue to drop after you buy, but that doesn't matter, it's hard to get the bottom. Also why I prefer buying in small bits below the target price over a long period,so I'll get my 'average' price
The investor's chief problem - and even his worst enemy - is likely to be himself
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  | | Edit by user: Tuesday, October 27, 2015 7:41 PM | Reason: Not specified
VituVingiSana
#1415 Posted : Wednesday, October 28, 2015 5:18:33 AM
Rank: Chief

Joined: 1/3/2007
Posts: 18,347
Location: Nairobi
MaichBlack wrote:
Aguytrying wrote:
@maich. HFCK is threatening to go below 20 today

Yeah. As most of you are saying, I should hold on to my horses. There is a chance of getting in at a lower price!!

But I really don't want to miss the bus on this one. I want to (over) load more once and for all!!!

I hope I will not get caught up in a forever waiting mode and when the prices start heading north I keep waiting for them to come back down and they never do! These happens to investors more often than you would imagine. That is why most never benefit from low prices. Remember when Safcom was trading at 2.xy and 90% of Wazuans were waiting for it at 1 bob!!! One fellow even started a thread (much later) titled "What will happen when Safaricom shares move back to 5/=" And the best answer in that thread was "One share of Safaricom will be trading at five shillings!!!". He he he.

If you had the cash would you buy the whole company at this price? Not 100 or 10,000 shares. The whole company.
Shareholders List
@MaichBlack - 100%

If yes, then buy the HFCK.
Greedy when others are fearful. Very fearful when others are greedy - to paraphrase Warren Buffett
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instinct
#1416 Posted : Sunday, November 15, 2015 10:24:51 PM
Rank: Member

Joined: 8/17/2007
Posts: 294
VituVingiSana wrote:
MaichBlack wrote:
I have been looking to load up on more Housing Finance shares. My target buying price of 20/= was hit last week but I did not pull the trigger.

Given the current economic situation and Interest regime, banks profitability will most likely be hit due to lower loan intake! Have these issues been fully factored into the price (including market sentiments) or a we likely to see even lower prices?? I am not a speculator but I will take a lower buying price any day coz that way I can buy more! On the other hand, most investors don't benefit from lower prices because they keep waiting for them to go lower and eventually miss the bus!

I need different opinions from wazuans - from fundies to chartists/cartoonists - I put them in the same pot as mine nikoroge kidogo and make a decision!

Every time HFCK faces higher funding/deposit rates, it has problems. See the timing of their Rights Issues juxtaposed to the movement in interest rates.

A long-term lender like HFCK finds it harder to raise rates even if its funding costs increase.
You cannot easily 'foreclose' on a borrower who has borrowed 90% LTV.
The courts do not look kindly on lenders who hike rates even of their funding costs increase.

Enjoy 23% (less WTax) on GoK T-Bills & then buy HFCK with 23% more cash. I doubt HFCK's prices will rise by 18% anytime soon.



HF @50 documentary on NTV
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instinct
#1417 Posted : Thursday, November 19, 2015 6:16:32 PM
Rank: Member

Joined: 8/17/2007
Posts: 294
Aguytrying wrote:
instinct wrote:
I see 7.8billion turnover worth of new business and mortgage loans to half of the buyers...

I'm impressed the scale of this project caught the eye of the President


I like their progress and aggression of Kenya Building society.


HF Group to spend Sh7.9bn in regional expansion plan

It has established a skills development centre in Komarock where it is putting up a Sh10.5 billion property that comprises of 1,272 housing units targeting the high income groups.

http://www.nation.co.ke/...4/-/y7jbvs/-/index.html
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mlennyma
#1418 Posted : Thursday, November 19, 2015 11:40:10 PM
Rank: Elder

Joined: 7/21/2010
Posts: 6,194
Location: nairobi
instinct wrote:
Aguytrying wrote:
instinct wrote:
I see 7.8billion turnover worth of new business and mortgage loans to half of the buyers...

I'm impressed the scale of this project caught the eye of the President


I like their progress and aggression of Kenya Building society.


HF Group to spend Sh7.9bn in regional expansion plan

It has established a skills development centre in Komarock where it is putting up a Sh10.5 billion property that comprises of 1,272 housing units targeting the high income groups.

http://www.nation.co.ke/...4/-/y7jbvs/-/index.html

when the bulls return 40bob will be the first break then 60 onwards
"Don't let the fear of losing be greater than the excitement of winning."
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Spikes
#1419 Posted : Friday, November 20, 2015 5:52:21 AM
Rank: Elder

Joined: 9/20/2015
Posts: 2,811
Location: Mombasa
I don't deny your claim but when will the bulls return?
John 5:17 But Jesus replied, “My Father is always working, and so am I.”
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iris
#1420 Posted : Friday, November 20, 2015 9:10:09 AM
Rank: Member

Joined: 9/11/2014
Posts: 228
Location: Nairobi
instinct wrote:
Aguytrying wrote:
instinct wrote:
I see 7.8billion turnover worth of new business and mortgage loans to half of the buyers...

I'm impressed the scale of this project caught the eye of the President


I like their progress and aggression of Kenya Building society.


HF Group to spend Sh7.9bn in regional expansion plan

It has established a skills development centre in Komarock where it is putting up a Sh10.5 billion property that comprises of 1,272 housing units targeting the high income groups.

http://www.nation.co.ke/...4/-/y7jbvs/-/index.html


High income groups will be buying in Komarock instead of Lavington, Kileleshwa, Karen, etc?
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