Cape Town Commercial Consultants

For most people, buying a home will be the largest financial investment they will ever make. It is possibly going to be their biggest asset and bring them their greatest return on investment over the long term. • It is also perhaps one of the few investments that the owner can enjoy and make use of while it appreciates in value. For these reasons it is important for homeowners to put a lot of time and consideration into the inevitable possibility that they will one day sell their home, says Adrian Goslett, CEO of RE/MAX of Southern Africa. • While it does happen, few buyers will purchase a home and stay in that same property for the rest of their lives, he says. • “Although property is a long-term investment, a buyer should always buy a home with the consideration that in reality they will eventually sell it. Whatever the time frame, the process of buying and selling should remain the same, with the primary objective being to maximise the return on the investment at the realisation

Busy with the new entrance roof at Bloemhof Depot designed by Ebesa Architects and manufactured by LJ le Roux. Quantity Surveyors - Narker & Associates www.narker.com Architects - Ebesa Architects http://www.ebesa.co.za/ Steel Roof Contractor - LJ le Roux Link

Credit scoring and how it works? In short, your credit score is based on your financial behaviour towards your creditors and these include things such as: 1. Have you paid your creditors back in time and in full? Balance owing on all your credit accounts, what type of accounts and how they have been handled are taken into account when scoring. 2. For how many years have you been a borrower? If you have a longer credit history it tends to positively impact on your score. 3. How much of your available income is allocated to paying your debt to creditors? 4. Retail stores and banks’ default listings will remain on a credit profile for two years and any judgment against someone will remain on their profile for five years. 5. A score of 660 or higher is considered to be a very good score. 6. Consumers with credit scores in this bracket have a higher chance of gaining finance. 7. Consumers with scores below 620 will find it more difficult to get credit as they will

1. Be conscious and aware of your energy usage. Instead use gas heaters rather than oil or electric heaters. 2. Install a solar geyser or heat pump for long-term benefits. 3. Look at your window dressings like curtains and/or blinds to maximise internal insulation. 4. Install insulation on the roof where applicable. 5. Landscape home gardens according to the orientation of the building and existing window schedules. Plant evergreen or deciduous according to winter and summer months to create shade in areas where there are big windows that receive full sun in summer and in the winter months the leaves fall to allow the sunshine in; this will give you natural heating and cooling of the building. 6. Fit carpeting where there are tiles or use a rug to create warmth in cold areas. Recycle organic waste and use it in the garden instead of using fertilisers. These can be stored in summer to keep the temperature down. 7. Recycle waste. Recycleable waste that goes in

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