Investing Additional Income in Real Estate: Tips and Strategies

In the last months of the year, dependent workers receive additional income such as the CTS, the performance bonus or their Christmas bonus. Faced with this, the frequently asked question is how to invest this additional income in the best way. Among the different investment options, one of the most profitable and stable is investment in real estate.

In that sense, Invent Inmobiliaria, a Peruvian company with more than 12 projects in Lima, offers the opportunity to purchase a property at the “Invent Fest”, the last real estate fair of the year that will take place in the central plaza of the Plaza Shopping Center. San Miguel, on Saturday, November 11 and Sunday, November 12 from 10:00 am to 09:00 pm

To do this, Invent Inmobiliaria shares the main recommendations to take into account when purchasing an apartment:

• Location is key: Research the district, proximity to amenities such as public transport, schools and shops. Also consider the future development of the area, as that can benefit you in the long term.
• Realistic budget: Define a realistic budget that includes not only the cost of the apartment, but also associated expenses, such as taxes, maintenance and possible improvements. Don’t overdo it to avoid future financial problems.
• Prepare in advance: Before looking for an apartment, make sure you have your finances in order. Save for the down payment, which is usually 10% of the total value of the property, according to your credit evaluation. Maintain a good credit history to get better interest rates on your mortgage loan.
• Evaluate your debt capacity: Calculate how much you can afford to spend monthly on the mortgage, taxes and other associated expenses. Do not exceed your financial capacity to avoid long-term problems.
• Research and compare interest rates: Before committing to a mortgage loan, do your research and compare the interest rates offered by different banks. Even a small difference in rate can translate into big savings over time.
• Consider the additional costs: In addition to the purchase price, consider additional costs such as taxes, insurance, legal and closing fees.
• Real estate reputation: Investigate the reputation of the developer and builder. Look for reviews, history of previous projects and make sure they have good management practices.

Investing in real estate is always the best choice, because this is a sector with a lot of stability and growth potential in Peru. Real estate tends to increase in value over time, providing a secure long-term investment.

Victor Quiroz, General Manager of Invent Inmobiliaria highlights that the apartments offer the advantage of generating passive income through rental, further diversifying the portfolio. Its constant demand in the real estate market ensures liquidity and often provides tax benefits. In short, investing in an apartment combines security, profitability and versatility in a single investment.