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Property Education

Online Real Estate and Property Investing Courses, Seminars and Training

You don’t need a degree or to be a guru to be successful in property investing. You just need to know how real estate investing works and what are the rules. We give you all that. All the information investors would have loved to have before this last downturn.

Campus makes it possible for you to learn about property from the comfort of your office or home computer, anywhere, anytime, at your own pace.

Most property investing courses and workshops are now "Instant Access" and some scheduled throughout the year for your convenience. Seats are though limited for each course due to licensing of software. Make sure you book your courses well in advance to avoid disappointment.

With the purchase of any property investing course you get free one year access to Property Investor Network Forum.

For pricing visit the Property Investor Network Shop .

How to buy property without a bond or any exposure to banks

Wonderful isn’t it? To know that you can buy a property in any market condition, at any time, and you do not need a mortgage bond or all the cash up front.

That would be a dream in certain cases, wouldn’t it? Well, we are here to tell you that this option is not a dream but a reality. It was always available, but rarely known or fully understood.

Purchasing property, as you know, can be purchased with cash, or with a bond or with an installment sale which some time is called buying property on installments.

The truth is that installment sales are an excellent strategy both for home ownership and investment. That said, the problem is that an installment sale is the least understood form of selling and buying a property.

Let’s see why an installment sale would be so good in certain cases, why and when one would use this option.

Why would a purchaser want to buy a property on an installment sale:

  1. When one does not have money to pay for the transfer duties, but will in the next 6 months, or earlier, but wants to close the deal right now.
  2. When one does not want further immediate exposure with the banks or in the next 5 years.
  3. When one wants to buy lots of property without issues of over exposure to the banks.
  4. When one cannot get a bond from the bank but can buy a property and pay the monthly repayments just the same and will most likely be able to get a bond in the next 5 years.

Why would one sell a property in an installment sale:

  1. When one cannot achieve the price they wish right now but need to sell right now.
  2. When one needs to sell quickly but can’t find a qualified buyer due to market circumstances for whatever reason.
  3. When one needs to sell and leave the house, but the market price is nowhere near the bond or it is not market related right now but will be in the future.
  4. When one is over exposed and can’t pay the bonds and can’t sell the property because the market is depressed.
  5. When one over financed and can’t get the right price right now to cover the bond.
  6. When one is over exposed and one can’t sell the property because it was incorrectly purchased, at a high price, and now one would need to get out of the property before the prices increase enough to get right price.
  7. When the market is depressed and the purchasers can’t get the bonds they need right now from the banks but would be able to in the future and can pay the equivalent of the mortgage repayments.

These are just some examples when and where an installment sale could be of great benefit. Installment sales are for all market conditions and they need to be crafted to bring a win-win deal for the seller and the buyer. If this can be achieved then an installment sale can even avoid repossession.

In truth, if installment sales were better understood and more often utilized by estate agents and other people in the market, there should never be a repossession or very rarely.

That said, installment sales are not for everyone, and extensive knowledge is required to put together a good installment sale without pitfalls.

Because installment sales are not as simple as a straight forward Offer to Purchase, many estate agents and property investors avoid it. They don’t know how to sell it as a solution or simply don’t even know how to consider it and offer it as a solution.

If you are a property investor or estate agent, now you can learn more about Installment Sales to use this as a solution to closing more deals or buying more property when there seems to be no solution to the situation.

Comments
Add NewSearch
Juanita du Plessis - Installment Sales   | 196.207.47.xxx | 2008-10-09 11:10:34
Hi,

I would like to acquire more information regarding the OTP and legalities with regards the Installment Sales agreement and to regulate the process as well as ensure that the funds are paid on a monthly basis..etc.
jeanette - installment sale     | 198.54.202.xxx | 2008-12-01 07:16:45
Id like to know more about your site and what it has to offer I have done extensive research on property . I have been in the business of real estate for 20 years. I keen to know more about installment sales particularly now with the NCA and hoe the installment sale can bypass this?
SHAUN RAMEN   | 41.243.248.xxx | 2009-04-14 05:13:24
I am interested in learning about installment sales
Gudrun   | 196.34.53.xxx | 2009-05-26 06:37:25
Do you have a list of estate agents who have such property on the market? I am interested in purchasing on this basis. I live in Gauteng - West Rand
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Copyright (C) 2007 Alain Georgette / Copyright (C) 2006 Frantisek Hliva. All rights reserved.





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Student Reviews

Having recently completed the above course at home, I enjoyed being able to do the course at one's own pace. The audio and visual impact of the presentation was effective, improving my concentration. Manipulation of the variables entered as lumpsums and additional monthly payments was most insightful. Generally there were many useful tips and facts given by the tutor and this was also enlightening and helpful. Richard Fouracres - Ladysmith KZN





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I did the initial Calculating Residential Deals workshop and refreshed my knowledge with the online course.  The course was well presented and the course materials up to date and informative.  It eased me into understanding the key financials behind decision I had been making instinctively.  Upon completion of this course, I now knew not just which numbers to calculate or how to calculate them, but more importantly, I knew how to read and understand them.  This basically gives the rounding off to your gut feeling when deciding to buy an investment property or not.  We often hear people say that you need to fall in love with the numbers/financials of an investment and not the unit itself ... well, without this course I would not have been able to do so.  I am now able to make sound financial investment decisions as I actually understand what I need to look for or where I need to change my offer to ensure a desired outcome.  

Probably the most important part of all of this is the fact that my understanding of the numbers/financials now give me an opportunity to put together a much better request for finance document for the banks than I could previously do.  Once you can show a bank, in their own language, why something is a sound investment, you won't struggle as hard to get financing and support.  All in all, I think it the course was value for money, filled with good content and ultimately, and a necessity for any property investor. Eugene Pienaar - JHB





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As a matter of fact ... of the 3 places where we've used the new contract and new practices that we were taught, we have yet to receive a late payment (or non-payment) on the rent or experience any problems with the tenants. - Eugené L. Pienaar - JHB

My partner and I attended the PIN Investor Letting Workshop in Feb 2008 with no expectations as we already considered ourselves to be rather knowledgeable in the art of letting property.  We have a few properties on our books and have been using standard contracts and 'gut feel' screening to place tenants and manage the properties.  Needless to say, we were in for quite a surprise on the day. 

Within the first 15 minutes, we realized that we had better start taking some notes as we clearly had LOTS to learn.  We started the session going through the legalities of renting properties out ... I was amazed at how many things I did not know pertaining to both landlord as well as tenant privileges.  It was not long into this session that we also found out that the advice we have received from other guru's in the property market would see us lands us in trouble if followed and done in the matter they advocate.

Karen and Sean then shared some 'nuggets of wisdom' on how to find and screen the right tenants, how to manage them and how to evict them legally if they become non-performing tenants.  We received some key contact information and most of all - we were given AND taken through (step-by-step) a legally sound contract for residential letting that favors the landlord and empowers him to deal with all types of issues.

We walked out of the seminar feeling that it was money well spent and have recommended it to our friends that are currently dabbling in property investment.  We then sat down and went through our letting agencies methods, contracts and administration.  We ended up giving them notice as we felt (after discussions with them) that we were better equipped to handle the letting process than they were.  I was, in fact, getting a huge kick informing them of issues that they were not aware of. 

As a matter of fact ... of the 3 places where we've used the new contract and new practices that we were taught, we have yet to receive a late payment (or non-payment) on the rent or experience any problems with the tenants. 

I can recommend this course as the one course you MUST do before renting out your own or someone else's property (rental agents ... take note!).  It is money well spent and the support received from Sean and Karen on the PIN forums after the course rounds off the total package rather nicely.  All queries were answered within 24 hours (or less!).  Well done Sean and Karen.  Keep up the good work and keep the education coming!". Eugené L. Pienaar - JHB

 

I consider this course to be, easy to understand and to the point. Everyone should know this information when considering buying property. The information in the course is vitally important for any property investor, whether it is your own home or property for investment purposes. The voice used is clear and easy to follow. Okkie van Greunen - JHB





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I would like to thank you so much for putting this course together and making it available to the public.  I have been selling property for a number of years and I still learnt so much from this course!  It is invaluable.  I highly recommend any Estate Agent to take this course to enhance their property knowledge even further.  Gina Hamlyn (Property Broker) - GINA HAMLYN PROPERTIES, KZN




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The calculating residential investment deals were really informative & easy to follow at a time that suites me. Being online meant one could always refer back if you missed anything or need for it to be explained again.  Very good in order to avoid burning you fingers when considering a new deal and making the right financial decisions. Steyn du Plessis - London




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