Commercial Real Estate – What is the Present Status?

U.S. Real estate markets are not so-healthy as they were for decades. First the residential property sector was plagued by the foreclosure crisis and is yet to recover from the devastation. Arising out of the foreclosure crisis, there were many cyclic reactions in the financial market. The cash-crunch spread fast to other areas of financial activities – like auto loans; credit card purchases; hotel room occupancy; business revenues in shopping malls; renting office complexes and so on. Commercial new construction projects were either put off or abandoned totally, aggravating unemployment problem etc.The commercial real estate market is inevitably inter-related with all the above businesses. As such the depletion in business revenues is reflected in foreclosure of commercial properties also. How? For example, if a big hotel losses heavily on revenue by the non-occupancy of its rooms, ultimately financial commitments, including the mortgage repayments get hard-hit. The situation of default in mortgage repayment, consecutively for months, eventually leads to foreclosure and distress sale of the commercial property concerned. Needless to mention a distress sale will bring the market value of the property deep down.Which branch of commercial properties is most affected? We have come across news reports about the commercial foreclosures – particularly in the hotel sector – the affected hotels of luxury located in the tourist industry hot-spots of Las Vegas in Nevada, Florida, and California etc.What is strikingly different in residential foreclosures and commercial foreclosures is – when a residential property is foreclosed, the amount in loss of money is about few thousands of dollars, whereas in a commercial foreclosure, the amount involved runs into millions of dollars.It is for this reason, the lending institutions extending financial supports for commercial property projects are dragging their feet in coming forward to extend new loans. In the situations of default and foreclosure also, they are not rushing into the decision of foreclosure of the property immediately, but consider all possible alternative outlets and compromises with the borrowers.Obviously, rather than individuals, mostly institutions and LLCs are involved in commercial foreclosures and in dire situations of foreclosures, they tend to select the insolvency route, to escape foreclosures.In this context, it is pertinent to take into consideration what the experts in the Industry say about the present status of commercial property sector and foreclosures. While the predictions about the future of commercial real estate vary from person to person, there is unanimity among them about the density of the problem of commercial foreclosures, presently.According to James Lockhart, vice chair of WL Ross & Co. New York, there are a lot of distressed commercial properties facing foreclosures with small commercial banks as of date. The problem institutions holding commercial properties in their business have increased to 775, whereas there were only 50 of them, just a few years back.The impact of commercial foreclosures has led to closing of financial institutions in huge numbers. Of a total of 8,000 U.S. banks dealing in commercial property finances, already 250 have been closed; 1300 banks have been advised by the regulators, to reduce concentration of Commercial Real Estate property loans; and many of them are expecting closure or taken by stronger competitors.However, in the Real Estate industry circles, it is reported that in a “Sentiment Survey” conducted among 100 senior real estate personnel by the Real Estate Round Table, during the second quarter of this year, 82% of the participants expressed satisfaction that the commercial real estate market is better than last year.
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Abroad Travel Tips

Travelling is always fun! It can be made memorable if you follow some travel tips. During your travels, just pick some handy pointers mentioned below to enjoy the whole travelling experience.Security First:• Inform your bank ahead when you leave your home country to comfortably use bank cards while you are abroad. This is to avoid account freeze on any withdrawals or payments on your card, as banks may think that your card has been stolen or cloned• Carry at least 2 scan copies of your passport with you and in separate bags. Keep an email copy of your passport to yourself and also a trusted parent or friend before leaving your country. Make sure that you carry a list of emergency contact numbers for any bank cards or traveler’s checks• Do have some money in your belt which is well hidden. A trick here is to have a fake wallet with some expired cards and a little money, in case of being mugged• Lone female travelers can protect themselves by arranging a doorstop and put it in the door, which makes opening even an unlocked door impossible, and it would make plenty of noise to alert youPacking:• Keep small bottles to fill shampoo/conditioner to avoid carry large sizes as there will be a limit for hand luggage• If travel with heavy luggage, buy some compression socks so that you can carry a few more items! Roll clothes instead of folding them to save space.• Pack your luggage in waterproof bags. Use travel towels which are light, hygienic and can absorb nine times their weight in water• Always get padlocks with you while travelling, as lockers may be provided to leave valuables• Remember that toilet paper and a torch are essential items. It is good to carry a pack of cards – they help in creating easy camaraderie in groups• Carry a sarong – you can lay on the beach, it can be used as a towel, covers your shoulders for temple visits and many more!• Pack in ketchup, tabasco, mayonnaise, salt, pepper sachet. These days laundry service is available at hotels, so just carry minimum clothesEtiquette:• Always discuss the price of the total fare with taxi drivers BEFORE you get in. Check if there is any charge extra for air-conditioning and be aware of the lodge surroundings you stay• Understand the sort of behaviour of your travel country before you arrive. Maintain friendly nature. Respect their traditions as you are a guest.

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