MINHA CASA MINHA VIDA The Minha Casa, Minha Vida (My House, My Life) social housing program was launched by the Brazilian Federal Government in March 2009 as one of the means of eliminating the inequality gap and housing deficit in Brazil of over 10 million homes. Just 2 years into the program the Minha Casa Minha Vida (MCMV) social housing scheme presents one if the biggest and most secure property investments to date. The developer in association with Lloyds TSB and Caixa Bank are able to offer 100% protection on your funds. The developer has NO access to these funds apart from what has been agreed, which is to build and develop social housing in Brazil. How Does It Work? A 2 Bedroom House in Natal, Brazil costs just £23,000. The Client purchases a minimum of one 2 bedroom house in the Arco Iris development for £23,000. The fee of £23,000 includes the set up of the escrow agreement so there are no hidden fees to worry about. The house will take 6 months to build and following its completion the developer will sell on the house to one of the 70,000 people, currently on the MCMV waiting list in Natal. All these families have been pre-qualified for finance by the Caixa Bank. The developer will allocate a new property to you and repeat the process. After 24 months the developer allocate the investor return of 40% and retain the balance of profit for themselves. Example 1 Purchase Price £23,000 First year return £4,600 taken out Re-invested 2nd year £23,000 Second year return £4,600 Total investment returned £32,200 Example 2 Purchase Price £23,000 First year return £4,600 reinvested Re-invested 2nd year £27,600 Second year return £5,520 Total investment returned £33,120 Note: There is a "One Year Only" option for those who do not wish to subscribe to the 2 year plan.
20% Fixed Return in 12 months or less. * Full UK Escrow account to protect the clients investment * Waiting list of 25,000 buyers in place * Government backed scheme, MCMV * Just £23,000 to invest * First Phase units, 90% complete OVERVIEW 2 Bedroom Casitas in Natal, Brazil = £23,000 A client purchases a minimum of 1, 2 bedroom unit in the Arcos Iris development for £23,000. The fee of £23,000 includes the set up of the escrow agreement so there are no hidden fees to pay along the line. After approximately 6 months build time, the developer with then sell on the unit to one of the 70,000 people, currently on the MCMV waiting list in Natal, all these families have been pre-qualified for finance by the bank. The government have fixed the purchase price at R$80,000 (approx. £30,000). Once the sale has completed (approx.4-6 weeks) the funds are deposited back into the Escrow account whereby the solicitor distributes to the investors. The Benefits * Full UK Escrow account to protect the clients investment * Waiting list of buyers in place * Higher returns for multiple investors * Payment plan in place for those that need it (this will not affect your return although it does not include the Escrow set up) * Government backed scheme To good to be true, not if you consider the following.... The Broker sells until all units are sold and then moves onto the next development. The Developer raises the funds needed to complete the build and makes profit from the final sale to owners The Investor makes a 20% fixed return on capital invested in just 1 year The Tenants own their own brand new, quality property The Banks have new mortgage clients under the Minha Casa, Minha Vida programme
Brazil has a population of 190 million inhabitants and a housing deficit of 8 million homes with the vast majority being houses for low-income families. By 2023 this shortfall will be 12.5 million homes In 2009 Brazilian Government announced 'Minha Casa Minha Vida' ('My House My Life') program which outlined the structure of their investment of 34 Billion Reals (US $18 Billion.) to provide low-income Brazilian families with a place to live. The Brazilian government wants to see growth in the affordable housing supply to keep up with the high demand created by this program.While credit is tightening worldwide, Brazil is unique in the sense that only 10% of real estate is currently mortgaged. This is the first time low income Brazilians can obtain mortgages, previously only the wealthiest of Brazilians could obtain mortgages. Loans will be between 5%-6% depending on income.Within one week of launching the program over 25,000 families had signed up to the program in our target city of Natal, Rio Grande do Norte, recognized as the region of Brazil with the largest natural demand of the My House My Life program. Currently there is a 70,000 waiting list waiting list and only 2,000 approved homes.Price from £22.000 (arco) Download Brochure arco-brochure [contact-form 1 "Contact form 1"]
This property is presented by ListGlobally on behalf of: Crystal Investment and Real Estate Ltd of Luke Smith ONE OF THE BEST INVESTMENTS AROUND * 20% Fixed Return in 12 months or less * Full UK Escrow account to protect the clients investment * Waiting list of 25,000 buyers in place * Government backed scheme, MCMV * Just PS23,000 to invest * First Phase units, 90% complete * First Investors already paid back OVERVIEW - THIS IS FOR INVESTORS ONLY 2 Bedroom Casitas in Natal, Brazil = PS23,000 A client purchases a minimum of 1, 2 bedroom unit in the Arcos Iris development for PS23,000. The fee of PS23,000 includes the set up of the escrow agreement so there are no hidden fees to pay along the line. After approximately 6 months build time, the developer with then sell on the unit to one of the 70,000 people, currently on the MCMV waiting list in Natal, all these families have been pre-qualified for finance by the bank. The government have fixed the purchase price at R$80,000 (approx. PS30,000). Once the sale has completed (approx.4-6 weeks) the funds are deposited back into the Escrow account whereby the solicitor distributes to the investors. The Benefits * Full UK Escrow account to protect the clients investment * Waiting list of buyers in place * Higher returns for multiple investors * Payment plan in place for those that need it (this will not affect your return although it does not include the Escrow set up) * Government backed scheme This property is presented by ListGlobally on behalf of: Luke Smith Crystal Investment and Real Estate Ltd (listglobally ref.: #LG51753)
The Spring of 2010 will see a World Class Resort launched in the world’s largest and most exciting emerging market, Brazil. We would like to introduce the ambitious, and long awaited, Pipa Natureza. Nestled on the exclusive northeast coast of Brazil, Pipa Natureza will comprise of luxury villas and townhouses set within a nature reserve of over 300 hectares. The truly stunning location enjoys direct access to over 10kms of pristine palm-fringed beaches. The World Class Resort aims to capitalise on the current trend towards eco tourism and sustainable living while providing accommodation that is both luxurious and modern. From inception to completion, the focus is on no compromise. After lengthy negotiations and due diligence, we have now secured ‚first pick’ on Pipa Natureza’s 2010 Pre-Launch.
A unique opportunity to invest at developer level in Natal, North East Brazil - something usually only available to large joint venture partners and investment funds investing hundreds of thousands of Reals. Investors are being offered an apartment at an off plan price of just £17,000, which is heavily discounted by around 75%. The anticipated average market value per apartment on completion is estimated at £88,000. Investing at a Developer Level Over the past nine months this investment has gone through a rigorous structuring process and stringent due diligence to be able to offer a high return investment to private investors. The investment is administered by a well established UK company with a successful track record of structuring and managing investment for IFAs and pension funds. Investors are invited to partner with the UK company and participate in profits of the development with returns on a preferential basis. Whilst it is structured as an off plan property purchase to enable investment of direct funds (as well as pension money) it is essentially an armchair investment where investors will share in developer profits at the end of the project. The developer will use the capital raised to start the design and licensing process before the pre-arranged bank construction funding kicks in. This model enables the developer to rapidly expand their business. The developer has run several "what if" scenarios to produce profitability projections for the project. Conservative profit projections enable them to pay out the 18% p.a. to investors for 3 to 4 years, and the returns will be capped at this level. Demand for Brazilian Local Housing The demand for local housing in Brazil is well documented with there being an estimated shortage of some 8 million properties across Brazil with a high proportion of these being in the North East. The developer plans to construct a high quality city based apartment development targeted at the affluent local middle class from which demand is overwhelming. The developer is a well known and established player with well over a decade's experience and a proven track record of several fully sold, completed and delivered residential developments. Location of Property The developer has secured a prime piece of land in a highly desirable, centrally located residential area on the edge of the city centre. The location of the project is critical to its success in terms of local sales. Securing prime sites for development is becoming very difficult. The apartments will be in a popular area where there is high demand from the local affluent middle class market. The developer has plans to build 70 well sized two bedroom apartments (size 70m2 approx.) which reflects the requirements of the target market and just 45 units will be made available to investors. These apartments will be sold off plan to the local market during the construction period and, as always, the developer makes his profit when all the units are sold and the development is delivered. As such, as an investor, you will not take physical ownership of the finished apartments, but will have your capital returned plus your share of the profits at this time. Investment Security Each apartment is purchased at an off plan price of just £17,000, which is heavily discounted by around 75%. The anticipated average market value per apartment on completion will be £88,000. Prior to the developer receiving any profits, the developer must repay the investor's original sum invested plus the 18% premium. Whilst investment in all off plan property bears risk, we believe that the structure and the companies involved in this investment have created an environment to greatly minimise the risks while maximising the opportunity for stellar returns. It is ideal for investors who want to invest in the local property market in Brazil, but don´t want to get involved in long term physical real estate ownership, or directly enter the Brazilian taxation system. It is a clean, arms length investment at a level usually only accessible by large institutional investors.