B I IMMOBILIEN I REAL ESTATE

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Why you should repay your mortgage early (13.02.2025)
Why you should repay your mortgage early (13.02.2025)

Die Hauptgründe für die vorzeitige Rückzahlung von Hypotheken, die im Artikel genannt werden, sind:

  1. Gestiegene Zinsen: Viele Eigenheimbesitzer, die niedrigere Zinssätze in der Vergangenheit hatten, stehen nun angesichts gestiegener Zinsen, die die Kreditkosten erhöhen, unter Druck. Die Rückzahlung der Hypothek könnte helfen, zukünftige Zinszahlungen zu sparen.

  2. Opportunitätskosten: Obwohl Investitionen in Aktien potenziell höhere Renditen bieten, müssen Hausbesitzer abwägen, ob die Einsparungen durch eine vorzeitige Rückzahlung der Hypothek die potenziellen Gewinne aus Aktieninvestitionen übertreffen. Bei älteren Hypothekenzinsen könnte eine Rückzahlung erheblich Geld sparen.

  3. Risiko von Wiederholungen: Die Erinnerung an die hohe Zinslast in den 1980er Jahren motiviert einige Kreditnehmer, ihre Schulden schneller abzubauen, um sich vor ähnlichen finanziellen Belastungen zu schützen.

  4. Inflation und Senkung des realen Schuldenwerts: Die Inflation hat den realen Wert der Schulden geschmälert, was die Rückzahlung attraktiver erscheinen lässt, auch wenn dies in der Vergangenheit nicht immer der Fall gewesen wäre.

·economist.com·
Why you should repay your mortgage early (13.02.2025)
Housing Market: Hong Kong, London, San Francisco Prime House Prices Set To Drop (27.01.2025)
Housing Market: Hong Kong, London, San Francisco Prime House Prices Set To Drop (27.01.2025)
Weakest Markets for Prime Residential Value Growth in 2025 Forecast range of Savills World Cities Prime Residential Index
Top Markets for Prime Residential Value Growth in 2024 Forecast range of Savills World Cities Prime Residential Index
Overall, the firm expects growth in the values of high-end homes to slow to 1.6% this year from 2.2% in 2024, marking the lowest gain since 2020.
·bloomberg.com·
Housing Market: Hong Kong, London, San Francisco Prime House Prices Set To Drop (27.01.2025)
Commercial Real Estate Can No Longer Ignore Its Problems (18.12.2024)
Commercial Real Estate Can No Longer Ignore Its Problems (18.12.2024)
“I look at 2025 as a year of reckoning,” says Tim Mooney, head of real estate at Värde Partners, which invests in property debt. “Lenders and borrowers will acknowledge that lower interest rates aren’t going to save them.”
Owners are running out of time to shore up funding, and some, like Cannon Hill Capital Partners and Pimco’s Columbia Property Trust, have already given in. The companies recently sold 799 Broadway in Lower Manhattan for $255 million, $15 million less than it needed to pay off its mortgage.
Commercial real estate has been running scared since the Covid-19 pandemic cleared out office buildings.
And because assets are valued by the profits they yield, increased borrowing costs translate to lower valuations: an average decline of 23% for offices and 20% for residential buildings since 2022, according to data provider MSCI.
A year ago, Brookfield Asset Management negotiated a 12-month extension on £459 million ($585 million) in loans for a London office building called Citypoint, agreeing to a one-off fee of almost £1 million and slightly higher monthly payments. So far, the extra time hasn’t helped Brookfield salvage the investment. It offered to sell the building in September for about £500 million—more than 10% below what it paid in 2016—according to people familiar with the effort. Bids are coming in much lower, the people say, requesting anonymity to discuss a private matter. Brookfield declined to comment.
·bloomberg.com·
Commercial Real Estate Can No Longer Ignore Its Problems (18.12.2024)