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Bank deposit or investment in real estate: how to make a right decision?

Депозит или недвижимость: как принять реально правильное решение?

If you value your hard-earned money, then the question about their safety, increase and successful investment raised many times for you. The pursues of interesting ideas usually come to few variants, and quintessence of these ideas is bank deposit or investment in real estate, experts say.

 

Logic of investments, or Chainlet of profitability

Bank deposit and investment in real estate can hardly be called equal. However, these two ways of investment appear on the very top of profit iceberg and not just dead storing of money. If the situation with bank deposit is more or less clear – provided that bank is afloat and no financial catastrophes are expected, in real estate profit steadiness is under a question even in case of daily rent in Kyiv.

Thus, let’s sort out the links of profitability «chainlet».

 

Deposit

Saving money in a financial organization, preferably in a really trustworthy bank, is one of the simpliest and most accessible ways of receiving profit from the sum you possess.

 

Bank:

  • ensures stability of profit by the interest paid by bank monthly or once a year;
  • allows to manage investments;
  • provides the choice of the deposit programs with different conditions, which include the possibility to close an account beforehand, to deposit extra sums at one’s pleasure, to draw at one’s own request or to withdraw or enumerate fixed amount of money;
  • provides with clear calculations as for total amount of money.

Some of the most common troubles you can encounter are financial unsteadiness in the country and exposure of bank sector to bankruptcy with incomplete repayment or even complete loss of investments.

 

Real estate

In order to invest in real estate, it is necessary to accumulate enough money. Crossing the money border is a free pass to the property market with other laws, which are far from deposit-bank trust. The purchase of a house or an apartment presupposes the process of further development and increase of savings. Experts say it is best to invest in the apartments located in the city, as daily rent in Kyiv downtown or in any other district can be viewed as a variant of a constant financial stream indeed.

Consequently, the positive aspects are as follows:

  • a really high profitableness;
  • a minimal loss risk;
  • protection against inflation – an increase of rent prices is directly connected with the financial sector’s floats.

 

The problem of real estate possession is connected with the necessity of clients search, rent agreements conclusion, money receiving, meeting the conditions of the rent .

But there is nothing impossible! The profit received will cover all possible expenses of time and finances.

 

Which aspect will prevail?

To sum up, it is necessary to understand that:

Какая чаша перевесит?

  • the amount of money needed for bank deposit is considerably smaller than that invested in real estate;
  • money accumulated on a deposit are fixed and predictable, unlike those that can be received from the rent;
  • the rent brings a considerable income, provided that the property remains inviolable, which is a prevailing factor as for deposit;
  • The property belongs to its owner, and getting back the deposit, can become a reason for exhausting discussions with a bank; and unfortunately banks are not always ready to return money quickly.

 

One more question to be discussed…

Decision to purchase a real estate object is also a choice which concerns housing or commercial area. The nuances of purchase can be briefly interpreted in mini-advices with their advantages and disadvantages.

 

Housing metres

  • advantages: stability of income, possibility to vary cost in case of financial rises and falls, simple management and comfort support ;
  • disadvantages: limited period of leasing agreements, comparatively low profit.

 

Commercial area

  • advantages: leasing contracts are signed for longer periods, high financial rates, indexation is possible in case of unstable financial situation or inflations that can occur form time to time;
  • disadvantages: necessity of considerable investments in order to meet tenants’ high requirements to rented meters.

 

After having weighed all pros and cons of your situation, you can easily find the best solution. The point is that money should bring profit and “make” new money – it is normal and right. Saving money in a small case, box, stocking or sack will cause depreciation of your savings, significant and offensive loss.

We wish you successful and deliberate decisions and numerous investments returns!

 

July 24, 2014


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