Real Estate Finance & Investment

Chapter-01
Definition
Types of Real Estate
Real Estate Property & Personal Property
Why investing in Real Estate
Title
Types of Deed
Status of Fixtures
Real Estate Markets
Jobs in Real Estate Sector
Jobs Requirement in Real Estate Sectors
 Definition & Types
 Definition-
Real estate is the property, land, buildings, air rights above the land and underground rights below
the land. The term real estate means real, or physical, property. “Real” comes from the Latin
root res, or things. Others say it’s from the Latin word rex, meaning “royal,” since kings used to
own all land in their kingdoms. The U.S. Constitution initially restricted voting rights to only
owners of real estate.
 Types of Real Estate
 There are four types of real estate:
 Residential real estate includes both new construction and resale homes. The most common
category is single-family homes. There are also condominiums, co-ops,
townhouses, duplexes, triple-deckers, quadplexes, high-value homes, multi-generational
and vacation homes.
 Commercial real estate includes shopping centers and strip malls, medical and educational
buildings, hotels and offices. Apartment buildings are often considered commercial, even
though they are used for residences. That's because they are owned to produce income.
 Industrial real estate includes manufacturing buildings and property, as well as warehouses.
The buildings can be used for research, production, storage, and distribution of goods. Some
buildings that distribute goods are considered commercial real estate. The classification is
important because the zoning, construction, and sales are handled differently.
 Land includes vacant land, working farms, and ranches. The subcategories within vacant land
include undeveloped, early development or reuse, subdivision and site assembly.2

 Importance

Real Estate is a basic needs

Real estate provides better returns than the stock market without as much volatility.
Real estate has a high tangible asset value.
Real estate values will always increase over time. 
An investment in real estate can also diversify your portfolio.
Real estate investing comes with numerous tax benefits.
Real Estate is heritage of family / country
Indicates the security
Saving Mobilize to invest

Real Estate Property & Personal Property

Here are the major differences between personal and real property.
Real property is immovable and is permanently attached to the land including a house, walls,
blinds, windows, fixtures, doors, and more. On the other hand, personal property can be moved
or taken from a home or business including furniture, artwork, light fixtures and more. It is not
affixed in any way.
Real property is mostly tangible while personal property is both tangible and intangible
Real property is long lasting and durable while personal property is not necessarily durable
Personal property is easy to understand – If a piece of property is not real property, then it is
personal property.
In legal considerations, both real and personal property follow different legal procedures.
Real property cannot be hidden, but personal property  can  be hidden
 Title & Types of Deed
 Title:
 A title is very important in real estate. In short, title is a legal term that
refers to ownership of something. In the context of real estate, having a
‘title’ refers to having a bundle of rights that arise from the lawful ownership
of the property. Transfer of the property during a purchase or sale, for
example, would be effected by a transfer in this title. 　
 Types of Deed:
 General Warranty Deed
 Special Warranty Deed
 Bargain & Sale Deed
 Quitclaim
 Fixtures of Real Estate Property
Method of Attachment: 
Adaptability:
Relationship of the Parties: 
The Intention of the Party:
Agreement Between the Parties
Real Estate Markets in Bangladesh
 Population
 Housing Demand & Supply
 Housing Backlog
 Housing Finance Institutions
 * SBs * PBs * FBs * BHBFC & DBH * MFIs / NGOs * Others

 Career in Real Estate Sectors
 Categories of real estate professionals
  The ‘top of the pyramid’ career opportunities in real estate can be categorised into
three segments: specialised professionals, core professionals and non-core
professionals.

 Specialised professionals
 Valuers, Quantity surveyors, Facility managers, Property managers, Sustainable
development experts

  Core professionals
 Engineers, Architects and planners, Non-core professionals, Management
Business administration, Chartered accountant, Marketing professionals,
Sales professionals, Project managers, Finance analysts, Lawyer, Electrical
engineers