Easy way to own Commercial Real Estate: Fractional Investment
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- Опубликовано: 1 авг 2024
- #nri #nrimoneyclinic #financialplanning
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If you are interested in opening an account with Strata please use this link below
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Really the content is extremely useful to all NRIs
I appreciate the mentor as welas the guests invited
I expect much more video from you sir
Excellent content !!!
Very informative video. Thank you Sir
Good video and useful information but the risks / fee structure / tax implications need to be articulated further . My views on each of them are follows :
1. The SPV would disburse the rental income to the shareholders under the category of interest expense . This would mean that the shareholders will be taxed as per their slab and there will not be able to take the benefit of standard deductions of 20% of rental values
The asset management fee is typically 2% of the asset value and this results in a whopping 25% of monthly rental income ( assuming a rental return of 8%)
The liquidity risk is quite high , ability to sell is very limited
Overall it may still be a good product from a asset diversification perspective
In the second part of video he mentions fees as 1%. Even then good point raised. What if asset goes unrented. Do we end up paying money from pocket ? Overall you cannot invest and forget about it like personal asset.
More information STRATA management charges and it's taxes is required. A chart showing the details of gross income, management charges, taxes and net income is required. Can we mortgage the shares and are the commercial banks ready to accept the shares as a tengible asset? Since this is not controlled by SEBI, How and where to sale the shares?
Good video. Couple of clarifications. I guess this is an illiquid investment and there is no secondary market period. What is the average holding period of each property?
2. The tax mentioned as other income and LTCG with indexation. However, the actual ownership is in a company? Should the tax not based on investment in a company and CG applied on sale of shares?
How does Strata decide to sell an asset. Have they already done that and what was the value appreciation.
Need a breakdown on IRR calculation. Was asset management fees included. What is the fee - 2% of asset pa?
What options does an investor have to exit.
As it is an SPV, is the rental income really a rental income for tax purposes.
Thanks for the informative session., can you clarify the exit process before disposal of property & how the value of investment is determined like NAV.
Thanks once again
Is there any monthly charges by STRATA to look after the investment like how mutual fund banks charge.
GST, registration charges, property management charges, maintenance charges all these overheads accounted for showing the IRR of 7-8%?
The video was quite enlightening. While taxes were addressed, I'm curious about the fees. Is the monthly payment net or gross? is there any additional fees that Stata takes out?
Sir would this be applicable for use for funds from selling another real estate (Section 54x)?
Since this not regulated directly by governing bodies like SEBI or IRDA, what about capital risk? Is there a chance of default.? How are investors protected?
Good and important question
These are RERA registered. Real Estate Regulatory Authority.
investing in India has become so complex because of GST and so many other Tax while buying and selling .. Does not make sense. plus getting money out of India is another uphill task.
Does mainstream banks support this type of investments. I mean can investers able to raise loan from banks in order make considerable investment. Please let us know.
Hi Madhu,
Unfortunately, a loan cannot be availed from a bank.
Thank you.
How the fractional real-estate asset will be sold and how the principle and the gains made from the investment is discharged to the investor ?
Sir, my ten cents, if investor wants to opt out, they will resale his portion to others in open market and liquidate the cash to him. If SPV itself decides to sell considering the next big opportunity, the capital gains will be distributed to share holders I believe.
What about stanp duty / registration charges?
Sir British passport holder with oci card holder is NRI or a foreigner?
Hi JK,
Answer to your question - NRI.
Thank you.
What about the safety of the investment in an unregulated instrument. It is exceedingly easy for the promoters of these entities to siphon off the funds leaving investors high and dry . Who are on the board of directors of the pvt ltd company. How are investors paid monthly when they are shareholder s. This is more like a smartly designed chitfund business given a new name. Real estate returns suffer from low re tal yield also
Watch part 2 for more answers . You need not categorise every apple as a rotten apple . Do your due diligence, take a call based on your risk profile
Hi all,
For any doubts, please visit our FAQ section: ruclips.net/p/PLXTQCazGqYrwYqEtubszRkUih0f0rBSiX.
Thank you.
As I’m retiring soon in U S A & most of my time I would be spending in India; I’m interested to know more details in this F I… I’m an U S CITIZEN of Indian origin.. if I’m qualified; will you furnish me the details?
You can use this . Send WhatsApp Message on 00971 50 1484595
Thanks sir…I’m already in touch with you
How soon the rental payments commence?
Immediately after completion of paperwork. Max may be 1 to 2 months after investment
Does not cover all risks. This could have been better.
Using fancy names like strata is misleading. Basically you are a shareholder in a private ltd company and there is no guarantee the funds are safe. It can be easily misused by the the so called strata and the only way you will get. A return is through dividends which in your hands will be again taxed
Please watch the video again for full answers . Do not misinterpret and do not misguide . You are always at liberty to pinpount flaws if any
Hi Ashit,
For each asset listed on the Strata Platform, a Special Purpose Vehicle (SPV) is created in which funds are raised to purchase, own and manage the property.
Your investment shall be towards subscription of the shares and compulsorily convertible debentures of the SPV that holds the property and represents your fractional investment.
In the interest of transparency and to give complete democracy to investors, the SPV shall not be controlled or managed by Strata. The management of the SPV shall be separate and independent of Strata and its management, giving the investors complete control over the SPV based on their shareholding.
Strata will provide asset management services to the SPV and undertake accounting, secretarial, reporting, leasing, maintenance, and other operational aspects under the asset management services contract with the SPV.
Thank you.