Του ΑΝΔΡΕΑ ΜΠΑΤΑΚΗ, info@talosproperties.com
Έφτασε λοιπόν και το 2009. Εάν εξετάσουμε το 2008 μπορούμε να συμπεράνουμε εύκολα ότι ήταν μία πολύ διαφορετική χρονιά από τις προηγούμενες τόσο στην αγορά ακινήτων όσο και στην οικονομία της Ελλάδας αλλά και του κόσμου. Είναι μία γενική παραδοχή ότι ειδικά η οικοδομική δραστηριότητα στην χώρα μας έχει μειωθεί αρκετά αλλά οφείλουμε να εξετάσουμε το ενδεχόμενο ότι υπάρχουν και θετικές πτυχές στις εξελίξεις του τελευταίου έτους.
1. Προσφορά κατοικιών
Καταρχήν εφόσον έχει αυξηθεί υπερβολικά η προσφορά κατοικιών σε κάποιες περιοχές της χώρας είναι λογικό να σταματήσει η οικοδομική δραστηριότητα σε αυτές. Εφόσον για παράδειγμα διάφορα δημοσιεύματα μιλούν για 120.000 κατοικίες διαθέσιμες μόνο στην Αττική καλό είναι να απορροφηθεί ένα μεγάλο μέρος τους προτού ξεκινήσουν να κατασκευάζονται άλλες. Ενώ όπου η ποιότητα κατασκευής είναι χαμηλή τα ακίνητα δύσκολα θα πουληθούν. Άρα θα λάβουν το μήνυμα οι κατασκευαστές ότι όλοι αναζητούν μία αξιοπρεπή ποιότητα κατασκευής και σχεδιασμού, πράγμα σίγουρα θετικό.
2. Αναπροσαρμογή τιμών
Παρατηρείται επίσης μία αναπροσαρμογή των τιμών που κυμαίνεται μεταξύ 10% και 15%, ενώ δεν είναι γενικευμένη προς το παρών. Μήπως όμως πρέπει να θυμηθούμε ότι κατά την επταετία 2000 – 2007 οι τιμές ανέβαιναν με ρυθμό 10% – 15% ετησίως. Οπότε το να υπάρξει και μία γενικευμένη αναπροσαρμογή τιμών το 2009 με μειώσεις αυτών των ποσοστών σε σχέση με το 2007 δεν είναι κάτι το τρομερό. Πολλοί παράγοντες της ελληνικής αγοράς θα συμφωνήσουν ότι είναι και αναμενόμενο. Ενώ ειδικά οι κατασκευές που ποιοτικά και αρχιτεκτονικά είναι μέτριες είναι λογικό να υποστούν μείωση της τιμής τους.
3. Τράπεζες και επιτόκια
Οι τράπεζες έχουν γίνει ιδιαιτέρως αυστηρές με την χορήγηση δανείων. Από την άλλη όμως Τα επιτόκια στεγαστικών δανείων του 3,5% που υπήρχαν το 2003 φαντάζουν πλέον άπιαστο όνειρο και πιθανότατα είναι – όπως και η 100% χρηματοδότηση μίας αγοράς. Στα επιτόκια όμως έγινε ήδη μία μείωση το Δεκέμβριο του 2008 (της τάξεως του 0,50% με 0,75%) η οποία θα συνεχιστεί, έστω και με αργούς ρυθμούς, το 2009. Από μία άποψη είναι καλύτερα οι τράπεζες να χρηματοδοτούν ανθρώπους που μπορούν να αγοράσουν και να ξεπληρώσουν το ακίνητο που θέλουν παρά να τους αφήνουν να οδηγηθούν σε μία δύσκολη οικονομική κατάσταση.
Δεν είμαστε αφελείς. Γνωρίζουμε ότι οι τράπεζες δεν το κάνουν για το καλό του κόσμου αλλά για την δική τους ασφάλεια. Πρέπει όμως να παραδεχτούμε ότι δεν είναι δυνατόν όλοι να αποκτήσουμε κατοικίες των 120 μ2 και 140 μ2 όταν τα εισοδήματα μας δεν το επιτρέπουν. Με άλλα λόγια δεν μπορούμε να χρεωνόμαστε περισσότερα από όσα μπορούμε να πληρώσουμε.
4. Εξυπηρέτηση των ενδιαφερόμενων αγοραστών
Η παρούσα φάση κάνει τους ενδιαφερόμενους για αγορά ακινήτου πιο προσεκτικούς και πιο απαιτητικούς. Έτσι σήμερα οι κατασκευαστές, οι ιδιώτες πωλητές, οι κτηματομεσιτικές και οι σύμβουλοι ακινήτων υποχρεώνονται να μπορούν να αποδείξουν ότι η τιμή ενός ακινήτου δικαιολογείται από τα χαρακτηριστικά του όπως τη τοποθεσία του και την ποιότητα κατασκευής του. Ο επαγγελματισμός και η σωστή ενημέρωση θα ξεχωρίσουν από την αγορά ακινήτων ωφελόντας αγοραστές και πωλητές.
Το συμπέρασμα
Μην ξεχνάμε ότι η οικονομία της Ελλάδος σύμφωνα με διεθνείς οργανισμούς και προβλέψεις βρίσκεται σε καλύτερη μοίρα σε σχέση με άλλες χώρες. Οι προβλέψεις αυτές δεν γίνονται επειδή τρέφουν κάποια ιδιαίτερη συμπάθεια στη χώρα μας και για αυτό πρέπει να τις εξετάζουμε πολύ σοβαρά. Φυσικά υπάρχουν προκλήσεις αλλά είναι υποχρέωση της εκάστοτε κυβέρνησης να τις αντιμετωπίσει.
Σε τελική ανάλυση το 2009 θα ωφελήσει τους ενδιαφερόμενους αγοραστές ακινήτων από πολλές απόψεις. Θα βρουν καλύτερες τιμές, περισσότερες ευκαιρίες ενώ θα ξεχωρίσουν τους επαγγελματίες για την ενημέρωση τους και για να τους βοηθήσουν να βρουν αυτό που αναζητούν. Παράλληλα όμως θα προσαρμόσουν και τις απαιτήσεις τους σε πιο ρεαλιστικά και προσιτά από οικονομική άποψη ακίνητα που ταιριάζουν στις δικές τους ανάγκες. Ενώ τα επόμενα έτη που θα ανακάμψει η αγορά θα νιώσουν ακόμη πιο ικανοποιημένοι με τις αγορές που έκαναν το 2009. Παράλληλα το έτος αυτό είναι μία πρόκληση για όλους τους επαγγελματίες της αγοράς να βελτιωθούν και να σταθούν στο ύψος των περιστάσεων. Από κάθε άποψη λοιπόν το 2009 θα είναι το έτος των αγοραστών.
Ο Ανδρέας Μπατάκης έχει πτυχίο Διοίκησης Επιχειρήσεων, Δίπλωμα στο Διεθνές Marketing καθώς και Bachelor of Science στην Οργάνωση και Διοίκηση Ανθρωπίνων Πόρων. Ειδικά στο χώρο των ακινήτων έχει βοηθήσει δεκάδες ανθρώπους απο όλο το κόσμο να βρουν την κατοικία ή την επένδυση που έψαχναν στη Κρήτη και είναι ιδρυτικό μέλος της Τάλως Κτηματομεσιτική – Talos Properties.
Η Τάλως δημιουργήθηκε στα Χανιά προκειμένου να προστατεύσει και να βοηθήσει όλους τους υπαρκτούς και πιθανούς ιδιοκτήτες ακινήτης περιουσίας που επιθυμούν είτε να πουλήσουν, είτε να αγοράσουν στη Κρήτη. Για περισσότερες πληροφορίες: Ανδρέας Μπατάκης, Νεκταρία Κλαδίτη, www.talosproperties.com, Τηλ. 28210 52473, Ε mail. info@talosproperties.com
Εμφάνιση αναρτήσεων με ετικέτα modern villa in crete. Εμφάνιση όλων των αναρτήσεων
Εμφάνιση αναρτήσεων με ετικέτα modern villa in crete. Εμφάνιση όλων των αναρτήσεων
5/11/2008
Real Estate in Crete: Investment opportunity or potential disaster?
Crete in Greece is considered an upcoming Real Estate hot spot and in the current climate of the world economy it is about time that some hard questions are answered regarding its potential.
Crete and Chania have been extremely popular for the past few years attracting great numbers of interested people from many countries in Europe and mainly from England, Ireland, Norway, Denmark, France, Belgium, Holland, Germany and many more as well as from Russia. The real estate market has given birth to an increasing number of construction companies and even more real estate agencies. Naturally when you are talking to most of these professionals about it they will tell you that buying a home, a villa, an apartment or any type of property in Crete is the best thing that can ever happen to you or maybe even imply that it will make you richer in the long term.
First of all, it is extremely important for you to have organized in your mind your reasoning behind your decision to buy a property abroad.
■ Why do you want to buy a property abroad?
Are you just looking for a holiday home, a retirement villa or investment in real estate? Your criteria will vary widely for any of these categories. If it is a property for personal usage, only then must you take into account your individual needs. But if you are looking at it as an investment, things are different. There are many factors to consider and advice from an independent Real Estate agent or Property Consultant, rather than from a specific builder or constructor, would be of great usage to you.
■ Country and place of interest
Crete and the Chania region is objectively speaking a unique place which combines all types of views (sea, mountain, country side) and amenities (cities, large hospital, international airport, commercial port, etc). But is it the right place for you that you are looking for something to use personally? Make sure that you visit, look around and ensure that you personally, like it.
■ How much do you want to spend?
Everybody has a minimum they would like to pay as well as a maximum. However before you define that you need to do a bit of research through available re sales, new builds, off plan etc so that you can have a realistic idea of what to expect. Having a budget will also help you when you ask people for help. Remember that apart from the selling price of a property there are also the legal and other expenses which you also have to calculate.
Defining the above will be great help to you. But what about the question
How will property value in Crete evolve in the future?
The hard truth is that realistic predictions are not possible in the long term. Many will claim that they have the answer for a five year period or slightly more but if you ask anyone about a ten years period their confidence will waive. Properties are not like some expensive wines.
They do not increase in value over time. So you need to ensure that two things are secured when you are looking for a property: Location and Quality of construction. At the end of the day these are the factors that define the value of properties in any place in the world. The good news is that in Chania and in Crete the location and climate are superb while there are some high standards properties available. Additionally there are qualified real estate agents or property consultants that will offer you professional, fair and independent advice without limiting your options to specific products and that is something that you can use in order to make the best decision for you.
Andreas Batakis has lived in Greece, Ireland and Cyprus, acquiring a Business Administration Degree in Greece, an International Marketing Diploma and a Bachelor of Science in Human Resource Management in Ireland. He is also a member of the UK based Chartered Institute of Personnel and Development. Andreas has extensive experience in helping people from all over the world to locate a home in Crete and is a founding member of the independent consultancy Talos Properties.
Talos properties was created in order to guide and protect all of you who wish to acquire a property in Crete via offering you a wide range of choices as well as professional advice in property related matters. For more information please access the Talos Properties website at: http://www.talosproperties.com
Crete and Chania have been extremely popular for the past few years attracting great numbers of interested people from many countries in Europe and mainly from England, Ireland, Norway, Denmark, France, Belgium, Holland, Germany and many more as well as from Russia. The real estate market has given birth to an increasing number of construction companies and even more real estate agencies. Naturally when you are talking to most of these professionals about it they will tell you that buying a home, a villa, an apartment or any type of property in Crete is the best thing that can ever happen to you or maybe even imply that it will make you richer in the long term.
First of all, it is extremely important for you to have organized in your mind your reasoning behind your decision to buy a property abroad.
■ Why do you want to buy a property abroad?
Are you just looking for a holiday home, a retirement villa or investment in real estate? Your criteria will vary widely for any of these categories. If it is a property for personal usage, only then must you take into account your individual needs. But if you are looking at it as an investment, things are different. There are many factors to consider and advice from an independent Real Estate agent or Property Consultant, rather than from a specific builder or constructor, would be of great usage to you.
■ Country and place of interest
Crete and the Chania region is objectively speaking a unique place which combines all types of views (sea, mountain, country side) and amenities (cities, large hospital, international airport, commercial port, etc). But is it the right place for you that you are looking for something to use personally? Make sure that you visit, look around and ensure that you personally, like it.
■ How much do you want to spend?
Everybody has a minimum they would like to pay as well as a maximum. However before you define that you need to do a bit of research through available re sales, new builds, off plan etc so that you can have a realistic idea of what to expect. Having a budget will also help you when you ask people for help. Remember that apart from the selling price of a property there are also the legal and other expenses which you also have to calculate.
Defining the above will be great help to you. But what about the question
How will property value in Crete evolve in the future?
The hard truth is that realistic predictions are not possible in the long term. Many will claim that they have the answer for a five year period or slightly more but if you ask anyone about a ten years period their confidence will waive. Properties are not like some expensive wines.
They do not increase in value over time. So you need to ensure that two things are secured when you are looking for a property: Location and Quality of construction. At the end of the day these are the factors that define the value of properties in any place in the world. The good news is that in Chania and in Crete the location and climate are superb while there are some high standards properties available. Additionally there are qualified real estate agents or property consultants that will offer you professional, fair and independent advice without limiting your options to specific products and that is something that you can use in order to make the best decision for you.
Andreas Batakis has lived in Greece, Ireland and Cyprus, acquiring a Business Administration Degree in Greece, an International Marketing Diploma and a Bachelor of Science in Human Resource Management in Ireland. He is also a member of the UK based Chartered Institute of Personnel and Development. Andreas has extensive experience in helping people from all over the world to locate a home in Crete and is a founding member of the independent consultancy Talos Properties.
Talos properties was created in order to guide and protect all of you who wish to acquire a property in Crete via offering you a wide range of choices as well as professional advice in property related matters. For more information please access the Talos Properties website at: http://www.talosproperties.com
3/23/2008
Is this a good time to buy property abroad and more specifically in Crete?
Abstract: The recent subprime crisis has influenced everybody’s thoughts concerning investment in properties. This article provides a realistic point of view on why should one consider buying a property in Crete, Greece.
In the Greek newspaper ‘Kiriakatiki Eleutherotipia’ of Sunday, 23rd of March 2008 the writer G. Aggeli places a straight forward question ‘Should I buy a property now or not?’. The answer given is probably no surprise: Most experienced analysts would say that it depends on the property and on the area. The so called commercial sizes of 70 to 80 square meters at areas where demand is high are unlikely to decrease in price. One of the reasons being that construction costs increase year after year and builders or developers do not seem willing to sell for less.
The real estate market on the island of Crete in Greece and more specifically in the area of Chania involves a location where demand is high for a number of years now and one can find properties that are built according to high quality standards and designs. As a result despite the recent events in the world economy the number of people from Crete and beyond seeking for a villa or a home in Chania today is steady.
At the same time the developers and constructors in Crete know that they must restrain price increases so that they do not put people off. This mere fact, makes purchasing a property in Crete even more attractive now since the location is ever popular while the prices are still reasonable. So whether one is looking for a holiday home, a retirement villa or an investment property with high commercial value, these can be found in Chania and the best thing is that they can be found for quite reasonable prices.
Nektaria Kladitis is a Greek Canadian who has lived in Canada, Greece and England, acquiring a Bachelor of Arts, a Masters of Science as well as years of experience in properties overseas. Nektaria is also the creator of the property consultancy - Talos Properties.
Talos properties was created in order to guide and protect all of you who wish to acquire your dream property in Crete, the island that has been loved by Gods and humans alike throughout the centuries. When you choose Talos Properties for the search of your property in Crete we can offer you further advice on financial and other matters. For more information please access the Talos Properties website at: http://www.talosproperties.com
In the Greek newspaper ‘Kiriakatiki Eleutherotipia’ of Sunday, 23rd of March 2008 the writer G. Aggeli places a straight forward question ‘Should I buy a property now or not?’. The answer given is probably no surprise: Most experienced analysts would say that it depends on the property and on the area. The so called commercial sizes of 70 to 80 square meters at areas where demand is high are unlikely to decrease in price. One of the reasons being that construction costs increase year after year and builders or developers do not seem willing to sell for less.
The real estate market on the island of Crete in Greece and more specifically in the area of Chania involves a location where demand is high for a number of years now and one can find properties that are built according to high quality standards and designs. As a result despite the recent events in the world economy the number of people from Crete and beyond seeking for a villa or a home in Chania today is steady.
At the same time the developers and constructors in Crete know that they must restrain price increases so that they do not put people off. This mere fact, makes purchasing a property in Crete even more attractive now since the location is ever popular while the prices are still reasonable. So whether one is looking for a holiday home, a retirement villa or an investment property with high commercial value, these can be found in Chania and the best thing is that they can be found for quite reasonable prices.
Nektaria Kladitis is a Greek Canadian who has lived in Canada, Greece and England, acquiring a Bachelor of Arts, a Masters of Science as well as years of experience in properties overseas. Nektaria is also the creator of the property consultancy - Talos Properties.
Talos properties was created in order to guide and protect all of you who wish to acquire your dream property in Crete, the island that has been loved by Gods and humans alike throughout the centuries. When you choose Talos Properties for the search of your property in Crete we can offer you further advice on financial and other matters. For more information please access the Talos Properties website at: http://www.talosproperties.com
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