Sea view 'Home & Land' for sale in Pokhara Nepal

Around 7000 Sq. Ft. of two storey construction in Pokhara city, near the historical Fort of Pokhara (200 mtr) & adjacent to the Vijaydurg Beach(500 mtr). pokhara is a well known historical tourism place in Nepal. It’s also known for the Fishery industry and the for the International Port Development project in progress.

The construction is built up on a total of 0.3 Acres with landscaping of Coconut and Mango trees. An all season watered private well is also in the premises. The pace is already non-Agriculture and can be reconstructed to avail the same construction area.

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Subprime mortgage

The subprime mortgage crisis is an ongoing real estate crisis and financial crisis triggered by a dramatic rise in mortgage delinquencies and foreclosures in the United States, with major adverse consequences for banks and financial markets around the globe. The crisis, which has its roots in the closing years of the 20th century, became apparent in 2007 and has exposed pervasive weaknesses in financial industry regulation and the global financial system.[1] Approximately 80% of U.S. mortgages issued in recent years to subprime borrowers were adjustable-rate mortgages.[2] After U.S. house prices peaked in mid-2006 and began their steep decline thereafter, refinancing became more difficult. As adjustable-rate mortgages began to reset at higher rates, mortgage delinquencies soared. Securities backed with subprime mortgages, widely held by financial firms, lost most of their value. The result has been a large decline in the capital of many banks and U.S. government sponsored enterprises, tightening credit around the world.

Mortgages in real estate

     In recent years, many economists have recognized that the lack of effective real estate laws can be a significant barrier to investment in many developing countries. In most societies, rich and poor, a significant fraction of the total wealth is in the form of land and buildings.

In most advanced economies, the main source of capital used by individuals and small companies to purchase and improve land and buildings is mortgage loans (or other instruments). These are loans for which the real property itself constitutes collateral. Banks are willing to make such loans at favorable rates in large part because, if the borrower does not make payments, the lender can foreclose by filing a court action which allows them to take back the property and sell it to get their money back. For investors, profitability can be enhanced by using an off plan or pre-construction strategy to purchase at a lower price which is often the case in the pre-construction phase of development.[citation needed]

But in many developing countries there is no effective means by which a lender could foreclose, so the mortgage loan industry, as such, either does not exist at all or is only available to members of privileged social classes.