Among the different ways of investing, one of the safest is the real estate: it is sustained investment in bricks and concrete, making them more robust with respect to speculative investments, which generally are based only on paper.

The real estate prices fluctuate less, they do so more slowly and are less drastic bajonazos. In addition, they suffer less the spread of international crises, as the market is more dependent on local contexts. If you have the money and intend to invest, follow these tips to help you better understand real estate investing.

Patience makes truly wise
Never forget that real estate investing takes time. Investment is a long-term, which generally does not begin to show results within five years. But eventually those who wait get your rewards.

Beware of the area
is important to choose the location where the building where you plan to invest. You can evaluate if your apartment is built in an area under development or in the not too distant build a road or a shopping center nearby. These elements add value to the sector and therefore the square meter of your property.

The stage of the project
Buying Property in planes costs less, but run more risks as the project is not completed. If the project is already under construction or completed, the risk is much lower, but may be worth more. It all depends on your risk tolerance. Of course, a building is not a good investment for just being finished: it is important to visualize your prospects in five, ten or fifteen years. For this project and knows the builders do with confidence.

Consider the use of your investment
In real estate usually win by two sides: one is the valuation of the property and on the other, the net income it generates for the use you give. If you buy a home, think about what is going to use it: to live in it or rent it. Buy a house to live in it can be a way to capitalize on their efforts, but does not generate income.

Property types
Have several options of real estate commercial and industrial. Investment in commercial buildings is the smart choice, because who occupies the property does it for profit.

You can invest in local warehouses and commercial center, but they require more capital, they have a higher return and faster. There are also the Trustees Rights (Fidis *) title, without much capital, enable it to own a percentage of a commercial property (eg a hotel or a mall). So, you can receive a share of the profits generated by the business, without having to worry about the rent or maintenance of the property.

Real estate investments are often among the strongest in the world of investing. But this does not mean that there are risks. The best tool to invest is the information: stay informed about the characteristics, conditions and opportunities for your investment property and you can make this your best ally of financial independence.

* The Fidis * not a financial investment, do not guarantee a profit or redemption within a specified period. FiDi * is the name of the units of participation (shares) or trust rights in the project represented by Prodigy Network and FiDiGlobal in the United States and Colombia. Each FiDi * vary depending on the respective agreements governing the investment relationship. The profitability of any investment through Fidis * depend on the performance of the underlying real estate asset. The information presented here is neither intended as a source of advice, financial or tax, and does not constitute a public offering of any kind. FiDiGlobal, like Prodigy Network, not a financial institution or financial services. Its activity is limited to fiduciary rights market, called Fidis * on the projects it represents.

One of these factors for enforcement is the economic situation of our country, where macroeconomic indicators and the rating agencies have continued steadfast in their development, so that the property markets of the industrial, commercial and office through investment certificates of Capital Development, called CKDs, or Investment Trusts Real Estate , the fibers and some important bond issues of housing developers in the country, show us the attractive interest and dynamism that are taking Investors in Real Estate in Mexico, compared to other countries in the region.

Once inside the country, investment analysis depend on the development in a sector, where the tourism sector currently is receiving great impetus by the demand from European and U.S. investors to place their capital in tourism development, following the contraction of the economies of old continent, where in Mexico for its macroeconomic indicators is very attractive, and increase tourist visitors annually.

As investment sector, in some cities is growing real estate development market vertical, ie corresponding to departments in its various forms such as from the minimalist lofts, to the super luxury with all modern facilities, top finishes and complete equipment, these developments have increased saturated areas, where its high density, infrastructure and equipment in the area, are used to provide all services, facilities of various types, commercial, educational and entertainment that already exist in these areas and attract buyers without them having to go to the outskirts of the city.

Within cities, the return on investment, coupled with their goodwill, depends on various individual factors, among which we mention, the area’s infrastructure, ie roads, basic services such as water, sewer, light, paving, telephone, cable network, parks, schools, shopping, entertainment, service establishments, the level of density, topography, types of developments in the area, the security level, and you can start with a good profit margin if you acquire real estate from a presale, where s can earn up to 30% when the project is completed, although in this case is important to review the project completion guarantees and history the developer, that the works are carried out with what they offer and on time.

As shown, venture into real estate in Mexico will remain a very attractive market for those who want an investment medium to long term, where investment in the housing market is strong heritage building economically, without the volatility of investment payments for the ready availability of capital, since the real estate are not products that are bought and sold immediately.

In the first concept concerning the documentation that should have or know, we present the following tips to sell your home :

The first is to demonstrate that you are the legal owner of the house we want to sell, and it is necessary to have the deed to the property, likewise that these are duly registered at the Public Registry of Property, where you can see in the daughter of data and end seals of these records.

Have official identification of the owner or is a home purchased within marriage, you must submit the marriage certificate, and both spouses sign the sale.

Have the lien release letter , although it is imperative to make the sale, since you can summon the creditor before the notary and the same operation of the sale pay off that mortgage, whether the operation is conducted in cash or a bank loan, unfortunately for an interested buyer access to formal bank credit, such as Infonavit or Fovissste, properties must be free of any mortgage or lien.

Have the plans for the property , which serve to verify that construction is according to them, and whether you are registered subsequent extensions also have the property tax record date.

Have receipts for the last 6 months of basic services to the registered owner’s name, water and electricity bills, as these will serve before the notary to verify that the property was being used as housing, avoiding This income tax payment, and if your property is worth more than 1.5 million US, it is advisable to seek the advice with a notary prior to the sale of the property, to know whether to pay income tax and the amount of these taxes.

Prepare a sheet with the characteristics of the property , to give to those interested in their property when they visit, including on this sheet the No. bedrooms, number of bathrooms, living room, dining room if you have to do this, terrace, courtyard , utility room, dressing rooms, closets, equipment available to the property, such as pool, air conditioning, dressing rooms, solarium, alarm, automatic gate, window frames special wooden floors, woodwork and all that is remarkable to let you know stakeholders, must include at least one photograph of the facade as well as the size m2 of land and construction.

Prepare a marketing plan to promote your property advertised in the classifieds of your local major, by a notice to be brief, complete and clear to understand what anyone, including the main points of your property, with photographs that best describe the house for sale, and with this same intention, announced in the major property portals.

Finally in the documentation to be prepared is the study of the housing market where your property, this is the trickiest part because you need to know which houses are for sale in your neighborhood or sector, and determine this value is not a easy job, where you can learn at least 9 properties for sale according to their size, measure your cost per m2, separate them into three levels of cost, according to the characteristics and quality of finishes and maintenance of each home for sale, separate into three groups, the high price, average price and low price, determining the average price per m2, and being honest with yourself, with impartiality and fairness locate your home on the range that competes with similar homes to apply the average cost per m2 of that group to the m2 of building your home for sale and you can get the average sales price of your property, and also find homes for sale that compete with yours.

As can be seen, many preconceptions to be prepared before you sell your home, and with the current real estate market competition is why experts advise seeking the help of a real estate agency find qualified Real Estate Consultants who will advise on each of the stages that constitute what is called the sale of property, so that their plans and projects are carried out in the time and with best price in the housing market.

Of these 650.000 housing units, according to the study, Infonavit should not finance more than 300,000 homes annually, not to risk a housing bubble fed by excess inventory and thus contribute to the problem of abandoned housing. In the past six years has given Infonavit an average of 344.529 credits per year to purchase new homes.

Note that this need not reflect new housing demand due to second homes (eg, holidays).

The Financial Plan 2012-2016 Infonavit, together with programs and schemes for house purchases in particular the segment of workers with incomes below 2 minimum wages, a segment that has the highest backlog in housing, includes approximately 300,000 new housing finance per year.

A sample of these initiatives is the program of federal subsidies “This is your house”, which tries to encourage the supply of affordable and accessible housing for lower income workers.

It also seeks to attract to the state governments to participate in grant programs through additional capital contribution of the participating institutions and to improve existing credit terms offered to the segment of low-income workers, and to explore other housing alternatives other than house purchases to combat housing backwardness of this population.

The Banamex Financial Group 500.000 commenting on loans granted by Infonavit in 2011, indicates that despite the achievements in improving the sustainability and the growing demand for non-union members is highly positive, the institute faces negative aspects such as the increasing complexity operations, the increased risk of execution, the largest investment requirements, increasing administrative costs and slower recovery of working capital.

The increase in tax rates on property tax is only a “patch” -we’ll see if effective and efficient, to make municipal public administrations are placed in positions of budgetary stability.

At the local level the Government has resorted to “how easy”, raising the IBI tax rates to increase tax revenues, as has been done at the state level by increasing the income tax, which is increasing the tax burden to income basically working.

The measure may be plausible in general terms to increase revenue in city coffers, but in my view, has some aspects that are not explained clearly or can not be easily justified from the legal viewpoint. Point out some of them.

The elevation of the IBI tax rates does not extend to all real property , only the properties of urban nature, leaving out those classified as rustic and special features. If the objective is to achieve far more revenue for the municipality , does not explain why the measure is limited to urban property, plus it will be hurt those municipalities where most of the properties of their territory to be qualified as rustic.

The different rates of increase of tax rates according to year of approval of the presentation of the values ​​determined fixing the assessed value of real estate is reasonable from an economic perspective, but I fear that discourages public authorities in especially the municipalities, to adopt the necessary measures to update cadastral values ​​. Again, the commitment to regularly update cadastral values ​​to suit the market value will be defaulted.

Excluding the increase in tax rates for municipalities whose papers were approved securities in the height of the so called real estate boom (2005 to 2007) or currently (2012) is reasonable from the perspective of tax equality , because assessed values of these properties are higher than the rest , which results in these buildings which are already experiencing a higher tax burden on the IBI.

Less justification is, however, the exclusion of buildings belonging to residential use less than half assessed value of all property of the municipality with the residential use application that will be a presentation of all values ​​passed in 2002 or a subsequent year. This can produce a phenomenon similar to so-called “jump bug” that seems unacceptable from the perspective of the principles of economic and tax equity. It is possible for a property with an assessed value higher than a euro a mean value of the municipality to apply a tax rate increase and other property with a rateable value one euro less than the mean value is not applied to the increased rate, resulting as a result a difference between difficult to justify quotas .

It has been said that with the exclusion of residential buildings belonging to the half with lower rateable value of all property of the municipality is to benefit the most disadvantaged citizens , which is saying something that means assuming that the holders with claims on the properties with a rateable value less than the average value in a municipality are the least favored in absolute terms. But even admitting the veracity of the previous assertion in the majority of cases, does not explain why not excluded also from the increased tax rates for residential use properties whose rateable value is below average assessed value of the residential buildings in the municipality where your rateable value is fixed by applying general papers approved before 2002, especially since the increased tax rate established for these cases is the highest, 10%. Are we to assume that the owners of these properties are also the poorest of the municipality? What makes them different? Does it make you different than the Borough Council where he has been promoted properties not updating the tables of property values ​​in your municipality? Should citizens bear the negative consequences of lack of diligence of its mayors?

I also find it reprehensible that the basis on which we must apply the increase in tax rates established in Royal Decree-Law is not the same in all municipalities . Indeed, if the City Council approved for 2012 a reduction in the tax rate, increased tax rate will apply on the current tax rate in 2011, ie , ignoring the exercise of regulatory authority that has made City Hall. However, when the City Council had approved in 2012 an increase in the applicable tax rate, the rate increase by 10%, 6% or 4% will apply to the tax rate approved by the City for the year 2012, that is, maintain and respect the exercise of regulatory authority made ​​by the City.

It certainly seems logical that, to avoid the intended effect of increasing property tax revenues can be seen fully or partially offset by the measures adopted by the City, but from the perspective of the autonomy of municipalities to manage their interests and power tax that are recognized in Article 133.2 of the Constitution is not very defensible this different treatment . Remember that the state measure to increase the IBI tax rates adopted in a rule dated December 30, 2011 and had not been previously announced, so there was no time material to the municipalities could adopt measures deemed appropriate around IBI taking into account the intentions of the State Government .