Real Estate Investment, Mortgage and Lending

3 keys to profitable mortgage lending

December 14, 2022

3 keys to profitable mortgage lending
It’s always difficult to predict what will happen next in the mortgage industry, but there is a consistent theme to what keeps mortgage lending and servicing executives awake at night — profitability and regulatory pressures. Unfortunately these two challenges are often at odds with each other, as compliance costs continue to grow and eat into profit margins. So what investments will deliver the best balance between profitability and compliance while still allowing you to grow your business?

Spotlight

STEP Construction

STEP works as a general contractor in the construction of industrial and commercial facilities. Our clients are Russian and Western companies that invest their capital in the creation of a new business or in expanding existing ones in Russia. We currently specialize in the following areas: industrial construction; commercial construction; reconstruction and decoration; mining construction; agro-industrial construction. reconstruction and decoration; mining construction; agro-industrial construction. reconstruction and decoration; mining construction; agro-industrial construction.

OTHER WHITEPAPERS
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BTR Suburban Communities

whitePaper | October 24, 2022

Unsurprisingly, in ten years the sector has evolved significantly, delivering greater variety and flexibility for the customer. The sector now provides suburban homes, as well as apartments. Offers targeted at different age groups and price-points. The sector has also moved beyond a doughnut of local areas around London, to a situation where almost half of all local councils now have a BTR presence. Levelling-up is being supported as BTR reaches further into communities and provides a catalyst for regeneration.

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Senior Housing Development & Investment

whitePaper | May 24, 2022

As with some other real estate property categories, that reliable performance hit an extended rough patch after the onset of COVID-19. Operators halted or severely restricted property tours and move-ins; prospective residents, worried about serious illness, elected to remain in their homes. The industry’s valuation shrank from $475 billion at the end of 2019 to an estimated $437 billion as of the third quarter of 2021, according to Beth Mace, NIC’s chief economist & director of outreach. Profitability has also declined between 4 percent and 8 percent during the pandemic, estimates Mel Gamzon, principal at Senior Housing Global Advisors.

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LEND7 Next-Gen Real Estate Assets

whitePaper | June 12, 2022

Real estate has been the single most prominent store of value throughout human history. Although we have seen changing forms of tender gold, paper money, internet ledgers real estate has remained the same, without decomposing its value. The growth of humankind has resulted in the booming demand for real estate investment. From 2000 to 2020, almost all net worth was marked by the household sector, resulting from growth in equity and real estate value. According to McKinsey, today's real estate holds a 67% share of the global net worth, and approximately 20% is stored in other fixed assets. Real estate is expected to reach 5.4 billion USD in 2026 (46% of CAGR over 4 years).

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NeoTech Whitepaper

whitePaper | April 30, 2022

NeoTech is creating smart city digital infrastructure that can lead to massive improvements in citizens quality of life and increase the protection of the environment while reducing the cost of doing so. NeoTech uses cutting edge technology in both hardware and software to recreate a 1:1 exact replica of the Earth in utterly digital form, enabling thousands of new applications to be spun off on top of our new Metaverse, enabling startups, enterprises, and people alike to take part in this new technological revolution.

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Common Financial Modeling Mistakes Real Estate Developers Make

whitePaper | November 22, 2022

For this edition of the White Paper, I sat down with Moyra Tran, our senior financial analyst here at 3E Management. We discussed her take on the topic of common financal modeling mistakes real estate developers make and if she has come across any in her time working for us

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Retail Lending in a Post Covid World: Winners and Laggards

whitePaper | May 15, 2022

Retail Credit continues to gain prominence in India, rising from 20% of overall systemic credit in FY15 to c.30% now, driven by strong customer demand, lower NPAs and better margins compared to industrial/corporate lending. In FY21, retail credit clocked slower growth as private consumption plunged on account of the pandemic and its corresponding impact on economic activity. However, between FY21 and FY24, retail credit is expected to make a strong comeback and grow at 13-15%. Within the retail lending space, NBFCs (including HFCs) have competed strongly against Banks – across economic cycles. NBFCs have a market share of c. 40% in Retail Credit as compared to 20% market share in overall credit.

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Spotlight

STEP Construction

STEP works as a general contractor in the construction of industrial and commercial facilities. Our clients are Russian and Western companies that invest their capital in the creation of a new business or in expanding existing ones in Russia. We currently specialize in the following areas: industrial construction; commercial construction; reconstruction and decoration; mining construction; agro-industrial construction. reconstruction and decoration; mining construction; agro-industrial construction. reconstruction and decoration; mining construction; agro-industrial construction.

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