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Housing Finance: HFCK a diamond in the rough
Kusadikika
#1911 Posted : Monday, August 19, 2019 6:07:21 PM
Rank: Elder

Joined: 7/22/2008
Posts: 2,721
obiero
#1912 Posted : Monday, August 19, 2019 6:58:26 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,236
Location: nairobi

It’s not easy

Kusadikika
#1913 Posted : Monday, August 19, 2019 9:50:49 PM
Rank: Elder

Joined: 7/22/2008
Posts: 2,721
obiero wrote:

It’s not easy


Ni kubaya. I am looking at the website property24. They don't delete the old advert so you look at at page one and see that there are 100 properties available. If you sort the properties by price say low to high you will soon discover that some properties are listed about 5 times with reducing prices. The same Lavington apartments that were on sale 1 year ago at 12M are now 8.5M!!!! The pitch used to be buy now so you don't miss the ride up when prices go up. Now it looks like it is better to just hold cash and rent.

This is the problem of depending on South Sudanese robber generals to gauge the market. There are only so many of them and once each of them has bought his 100 million mansion and two 15 million apartments for his girlfriends thats it!! He will not continue buying apartments and back home he will buy more guns to make sure he is not overthrown by another robber Colonel. So the supply of these moneyed Sudanese is limited.

In Kenya the only people with money are the sons of Kiereinis, Kareithis, Mathenges, Kenyattas, Mois, Kuleis etc who are the ones building the apartments in the first place, they are not buyers.

An 8.5 Million shilling mortgage at 13% is 100K a month for 20 years!!!

People with money will just sit tight and buy these in cash when the price is right for them to make returns on rent.


Mainat
#1914 Posted : Tuesday, August 20, 2019 7:53:58 AM
Rank: Veteran

Joined: 11/21/2006
Posts: 1,590
The only well priced property is the kahawa wendani one. The rest are hugely overpriced and some won't sell for years.
My sense is we may get back to 2006 valuations after the uhuruto error
Cash is the king now

Kusadikika wrote:
obiero wrote:

It’s not easy


Ni kubaya. I am looking at the website property24. They don't delete the old advert so you look at at page one and see that there are 100 properties available. If you sort the properties by price say low to high you will soon discover that some properties are listed about 5 times with reducing prices. The same Lavington apartments that were on sale 1 year ago at 12M are now 8.5M!!!! The pitch used to be buy now so you don't miss the ride up when prices go up. Now it looks like it is better to just hold cash and rent.

This is the problem of depending on South Sudanese robber generals to gauge the market. There are only so many of them and once each of them has bought his 100 million mansion and two 15 million apartments for his girlfriends thats it!! He will not continue buying apartments and back home he will buy more guns to make sure he is not overthrown by another robber Colonel. So the supply of these moneyed Sudanese is limited.

In Kenya the only people with money are the sons of Kiereinis, Kareithis, Mathenges, Kenyattas, Mois, Kuleis etc who are the ones building the apartments in the first place, they are not buyers.

An 8.5 Million shilling mortgage at 13% is 100K a month for 20 years!!!

People with money will just sit tight and buy these in cash when the price is right for them to make returns on rent.



Sehemu ndio nyumba
Fyatu
#1915 Posted : Tuesday, August 20, 2019 8:58:05 AM
Rank: Veteran

Joined: 1/20/2011
Posts: 1,820
Location: Nakuru



Out of curiosity i decided to check out property listings in Cape Town and must admit Kenyans we are done for. We pay too much for ugly and non-functional houses.

LINK
Dumb money becomes dumb only when it listens to smart money
obiero
#1916 Posted : Saturday, August 24, 2019 5:15:30 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,236
Location: nairobi
To whom it may concern

Ericsson
#1917 Posted : Saturday, August 24, 2019 7:47:44 PM
Rank: Elder

Joined: 12/4/2009
Posts: 10,809
Location: NAIROBI
Loss of ksh.95mn in HY2019
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
obiero
#1918 Posted : Saturday, August 24, 2019 7:57:48 PM
Rank: Elder

Joined: 6/23/2009
Posts: 14,236
Location: nairobi
Ericsson wrote:
Loss of ksh.95mn in HY2019

Very big improvement, but that information needs a link verification. Seems too good to be true

McGill
#1919 Posted : Tuesday, August 27, 2019 10:55:06 PM
Rank: Member

Joined: 8/1/2019
Posts: 107
Ericsson wrote:
Loss of ksh.95mn in HY2019


Where did you get this?
Ericsson
#1920 Posted : Wednesday, August 28, 2019 6:27:20 AM
Rank: Elder

Joined: 12/4/2009
Posts: 10,809
Location: NAIROBI
obiero wrote:
Ericsson wrote:
Loss of ksh.95mn in HY2019

Very big improvement, but that information needs a link verification. Seems too good to be true

That was from the Britam half year results presentation.
Tungoje official announcement by HFCK wenyewe
Wealth is built through a relatively simple equation
Wealth=Income + Investments - Lifestyle
251 Pages«<190191192193194>»
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