Margarita Island, off the north-eastern coast of Venezuela.

My concern would be that there have been numerous cases of builders/agents/ developers going bust at which point the 'guarantees' are worthless. A really good development does not need to offer rental guarantees, which are always to a greater or lesser extent factored into the original purchase price.

What I'm saying is that a so-called 'rental guarantee' should not excuse you from doing the normal due diligence checks you should do on any investment. Ask yourself, if there wasn't a rental guarantee, would I still invest ?. If 'yes', then go ahead; if 'no' then maybe a bit more research is needed before you commit.
 
I am the agent promoting this development and I feel all these comments warrant a reply as some of them seem somewhat misguided. Yes, I do agree that most guaranteed rental properties have the rental income pre-loaded into the price and all that happens is that the purchaser is receiving the rental guarantee direct from the developer and the purchaser is over-paying for the property in the first instance and only receiving their own money back. This is also the case on certain developments, not only in Margarita, but in many different destinations worldwide.
On this particular development, there is a bonded rental guarantee in place, nothing to do with the developer. It is coming direct from an American hotel chain called Geneva Hospitality. They have 12 hotels, 8 of which are apart-hotels and 4 are normal traditional hotels. I have been intensively involved with both the developer and Geneva in setting up this contract and guarantee. It is bonded by means of a Fidelity Bond, which is basically an independent insurance policy with Chubb Insurance, who also have an office in Dublin. This policy bonds the owners rental income for the 10 years, which incidently is renewable for a further 10 years. Each owner is individually named on the policy as a beneficary of the policy and is insured for a total of 10 million dollars per annum. If Geneva were to go bankrupt, each named owner on the policy will receive their income for the full 10 years. Thompsons placed a bid to be the hotel chain on the resort but lost the bid. They had carried out a feasibility survery on the island and the outcome of that survey was a shortage of 110,000 beds on the island. This seems a lot, but Barbados, a very established island has a shortage of 200,000 beds.
Each owner also receives before even putting down a refundable reservation deposit, a copy of the purchase contract and also a copy of the rental contract which states the details of the bond and the terms and conditions of the rental guarantee which in fact are all in favour of the owner.
Concluding, I do agree that many properties around the world are very much inflated with regard to purchase price and I personally would not touch a rental guarantee that is being offered directly by a developer. This will only give you back you own money that you over-paid in the first instance. This development has an actual lease-back contract that has an bonded income that all prospective purchasers are free to investigate with the relevant insurers and thier own legal teams.
I do not normally enter these forums as I am not here by means of promoting our properties but was asked to view the comments posted here, and I felt many of your comments are very warranted and very true, but some are very much not.
We pride ourselves in putting our clients interests at the forefront of our business and as you will see from our website, we only promote a select amount of properties. This is because only a select amount of properties will meet our strict criteria for us to promote. Caracola Beach & Spa Resort is one that surpasses our criteria and I am willing to put my company's complete reputation on it.
 
There is no annual maintenance costs, no property tax, no VAT, no Wealth Tax and no Income Tax on the island.

Capital Gains Tax is 0.05% so if you made a gain of 100,000, tax liability would be E50

You will have to pay Income Tax in Ireland on the rent received as long as you remain resident in Ireland. This will be at the marginal rate of 20% or 41% depending on your current income. You will also have to pay Capital Gains on any profit you make on a sale at Irish rates of 20% as long as you remain resident in Ireland. You should take these figures into account when calculating your returns.

Peadar.
 
Hi,

Some questions/concerns:

1) I heard that all real estate should be made in national curency and the money need to be registred in the country in order to be able to sell it
2) What is happening if you want to stay 3 months there instead of 1 months or stay there as retired all the time? What are the fees in this case?
3) For the month you have the apartment could be a guest using it?
4) How the property can be sold? In national curency I suppose.
5) What are the laws for inheritance of the property? If You have the residence in other country.
6) When you start to receive the 7% ?

Thanks,

Vergica
 
Yes, this is obviously correct that you have to declare all rental income from your worldwide income and is taxable at the current rates of either 20% and 41%. Even you own a property in Dubai, which has no income tax, you will still have to declare that income in your country of residence and pay the taxes due in that country. Income is only tax free is you are resident in a country that holds tax free status. We are setting up the ownership of these properties through off-shore American companies. This avoids having to have your income paid into local currency in Margarita and also avoids the paperwork involved in transferring monies out of Margarita and if owned through an overseas company, the rental income can be paid into which country and in whichever currency that you wish. Income then taken from the company is paid to youself as a dividend and this should then be declared to the Irish Revenue and taxable at whichever rate your income falls under. Another advantage of owning the property through a company is that when you want to sell, you just sell your 100% shareholding in the company. Then, to the Margarita government, the property has never changed hands. It is still owned by say, ABC Ltd. The cost of re-issuing the share certificate is approx €200. This can also be done through your Irish based solicitor collaborating with the legal team in the UK, Powerscourt Services.
One way to avoid your tax liability is using your pension fund to purchase the shares in the company, although you will not be allowed any usage weeks as the property must be kept at arms length. Your pension then will have a guaranteed 7% income on the investment. The rental income is then paid directly into your pension fund with no tax liablity. There is also no capital gains tax due when you sell on the property, but you must adhere to the guidlines of the Revenue regarding this. We are currently preparing a document on this subject. Another benefit is of course that you will have either 20% or 41% of either 20%, 25% or 30% of your gross income depending on your age.
We have also had confirmation that you can put this property into your pension fund.

In answer to Vergica

1. Yes, all property is normally purchased in local currency and registered so. If the property is purchased through a company, the developer is registering the property at the notary in local currency, but owned by a foreign company. This also holds more protection for the deed rather than an overseas individual owning the property. Once registered as owned by a company, that will be the last dealings anyone will ever have with the notary there as the property ownership will never change hands. Who owns the company may change as often as you wish. The company can be sold is whichever currency you so wish.
2. You can stay upto 90 days without a visa in Margarita. After that you must apply for a visa, but it is very straught forward process to obtain one.
3. A guest can use the property in your absence.
4. See above item 1.
5. Inheritance, through the company ownership, will be under your country of residence laws as you will hold a 100% share certificate in the company. It would be the exact same as holding shares in an Irish based company. With having the company as an American off-shore LLC (Limited Liability Company) and as long as you are not already registered to pay tax in America, then you do not have to file a tax return annually in America as the company is a non-trading transparent company. You just have to annually renew your company registration. If you do not renew your registration, the property will revert back to direct ownership as Mr/Mrs Jones Trading As ABC LLC, for example.
6. You will receive your rental income every 6 months paid in arrears, therefore, your first income wille be paid 6 months after you receive your keys and that will be payment for that previous 6 months.

I have also had confirmation today from the hotel chain, that if they reach the expected occupancy rates (an there is a shortage of 110,000 beds on the island) after 5 years, they will increase the rental guarantee to 8.25%.

For further information about how the company is set up, visit our website [broken link removed] and go to Buyer Info - Margarita, but also feel free to contact me directly.
 
Hi,

Thanks for the info provided. It looks for me a bit complicated because of lack of knowledge in this field...and for me an independent lawyer/adviser is required.
Regarding the Question 2 I was not referirng to VISA issues...
You get 7% percent a year and 1 month of usage of the apartment w/o any other fees to be paid.
What is happening if you want to spend all year in your apartment or 3-6 months?
What are the fees in this case?
Thanks,

Vergica
 
Sorry, my misunderstanding. If you want to stay in your apartment for more than 4 weeks per year, then you cannot enter the rental system as Geneva need your property to make money. They have no units themselves and depend on owners to put their properties into the rental system for them to carry out their business. Should you opt out of the rental system, then you will have to pay annual maintenace fees on your property. This fee has not been decided as yet and will probably not be decided until closer to completion which is mid 2010 but at an educated guess, they will be no more than €1,000 per year and this is over-estimating as the island is unbelievably cheap. All units are handed over at the same time.
Should you require a copy of the purchase contract and also the rental agreement, please let me know and I will be happy to email it to you and also please feel free to let your solicitor scrutinize it. I have been personally involved in the development of both contracts in conjunction with the legal teams and they are very much in the favour of the client.

You can contact me on shane@paragonireland.com so I can attach the contracts.

Regards,

Shane
 
Just came across this thread and felt I should throw in a few comments.

It is my firm belief that Venezuela is possibly the worst country of the 200 odd on this planet to invest in. Talk of potential independence for Margarita Island and of a booming Venezuela are nonsensical. It's akin to legalising heroin trade in Afghanistan and then claiming that the resultant 60% rise in GDP means that downtown Kabul is the next investment hotspot.

First of all, once your money goes into Venezuela, it can't come out (at least while Chavez is in power - it's a good thing then that you're looking for a long term investment). There exists a black currency market where the Bolivares trade for roughly 2.5 times less than what the official rate is, e.g. official exchange rate is 3.2 (the new currency) to the Euro, black market rate in Ciudad Bolivar is about 6.5 and in Caracas it can rise to 8.4. So, if you transfer your E100k to a bank in Venezuela (most likely Santander), it's worth VEF320k. If however you want your money to retain any value, you're best to carry your money with you in a suitcase. Of course, this means you'll have to carry your money into Caracas airport. When I was there 4 weeks ago, 2 people were shot and killed in the long term car-park. If you do manage to make it out of the airport alive, your money will be likely stolen by the national guard or the municipal police and you will have no recourse.

With regard to the stability of the country. If you asked a wealthy, educated Venezuelan whether they had a "democratically elected populist president", they would practically choke with laughter. Propaganda all over the country says "52% en contra 48%" and "next time" written in Spanish so I would question the legitimacy of only a 33% no vote in the recent constitutional reform. Of course, it's difficult to tell seeing as there are no independent observers and zero transparency. Chavez did accept the result but maintained that it was an unfortunate timing issue and he vowed to push the constitutional reforms through at a later date, which would, as stated previously entitle him to remain in power indefinitely.

With regard to GDP, Venezuela's current growth rate is certainly astounding but as GKAP points out it is based mostly on oil. Oil contributes 90% to Venezuelas exports. If Zimbabwe had significant oil reserves, its economy may well not be contracting. Having been to both Zimbabwe and Venezuela, there are some absolutely undeniable parallels that exist even from anecdotal observations and Venezuela's infrastructure is already beginning to show serious faultlines that mirror those caused by Mugabe's over stay. The poor people in Venezuela do not see the benefits of the oil which abounds in what is undeniably one of the most blessed countries (geographically speaking) in the world. The Gran Sabana, Angel Falls, the islands (particularly Margarita Island), the mountains, all absolutely spectacular but Chavez is destroying the country. Fact. The net result of the oil money not filtering through to the wider population is, of course, crime. Accurate crime statistics are nigh on impossible to come by but if you walk around *any* area in Caracas except maybe Las Mercedes, Altamira (and the shopping centre nearby - its name escapes me) you will probably witness violent crime first hand. The other population centres are not as bad but if you compared them to some of the favelas in Rio (Rio das Pedras, Rocinha), they don't fair well.

Another element which contributes to Venezuelas instability is their ongoing disputes with their neighbours. To the east, Venezuela maintain a claim to a significant % of Guyana, almost half way between the internationally recognised border and Georgetown. As a result of this dispute, there is no legal crossing between Guyana and Venezuela. One must either travel through Brazil or through Trinidad & Tobago. You can travel between the two countries by taking an illegal smugglers boat between Charity and San Felix (sugar, coffee and general food produce smuggled in, oil smuggled out). To the west, nearly every week there is some fracas between Chavez and Uribe, mostly due to the fact that the national guard are particularly lax at stopping the trafficking of people, drugs (but surprisingly not oil) through the common border.

Venezuela's leader has stressed that the Bolivarian Republic will be the first successful 21st socialist country. The most striking element of an ideal Bolivarian Republic that directly contradict the very capitalist activity of property investment is the notion of property rights. Chavez has attempted in the past, and will attempt in the future, to remove private individuals from the title of private properties and reappropriate these properties into government hands.

I implore anybody who is thinking of investing to visit Venezuela before making the decision. Sure, it's expensive to fly to S. America but I guarantee you won't regret it. Visit Angel Falls, go diving in Isla Margarita, then get on a plane and never think about investing there again. If you want to invest in S. America, Buenos Aires is a beautiful, European-styled city with a huge, young, growing and educated population, fantastic infrastructure, wonderful cultural attractions, government transparency, a USD denominated property market and high yields (higher than 7% anyway).

Just my 2c...
 
First of all, the performance of the Venezuelan economy during the Chávez years does not fit the mold of an "oil boom headed for a bust." Rather it appears that the economy was hit hard for the first few years by political instability, and has grown rapidly since the political situation stabilized in the first quarter of 2003. High oil prices have certainly contributed to this growth, as has the government's expansionary fiscal and monetary policy. Containing and reducing inflation, as well as realigning the domestic currency, appear to be the most important challenges in the intermediate run; in the long run, diversifying the economy away from its dependence on oil is also a major challenge.

However, the declining public debt (as a percentage of GDP), the large current account surplus, and the accumulation of reserves have given the government considerable insurance against a decline in oil prices. This favorable macroeconomic situation has also left the government with much flexibility in dealing with inflation and the related imbalance in the exchange rate. Since the government is committed to maintaining solid growth, it does not seem likely that it would sharply curtail economic growth in order to bring down inflation, as is often done. This is especially true since it has not exhausted other alternatives. Therefore, at present it does not appear that the current economic expansion is about to end any time in the near future. The gains in poverty reduction, employment, education and health care that have occurred in the last few years are likely to continue along with the expansion.

Secondly, Chavez cannot run another referendum on chainging the constitution. He must leave power in December 2011. The opposition party, who are very much right wing are the likely successors and are very much pro-international. They are also the governing party that controls the Nueva Esparta State under which Isla Margarita falls. You are describing this location as if it is mainland Venezuela, which I completely agree is not a safe place to be in, especially Caracas, but Margarita is not mainland Venezuela and has an extremely low crime rate.

There is a difference with exchange rates between the official banks and on the black market. The black market currency exchanges is not how any reasonably sane person would deal with, as this is a form of changing money from Bolivars into dollars for the drug barons of South America. This is why there is strict controls on exiting Venezuela with US dollars, limiting it to only $1,000. You cannot possibly suggest that anybody should arrive with a suitcase full of cash to deal with this underworld and I feel that this suggestion is complete nonsense. I would certainly not stand in the middle of Caracas and look to exchange a suitcase full of cash with an employee of some South American drug baron, that's for sure and I would seriously doubt if 99.9% of the first world population would either. Would you go to the worst estate in Limerick to change some money with a drug dealer because he is offering to double your money rather than go to a bank?

You can remove your money from Venezuela, but forms must be filled out to do so and all transactions must be recorded with the relevant authorities. This is why we have set up all ownership through companies, registered in Wyoming in the US. This way if you sell on your property, you are selling on your shareholding in this company and this can be done from whichever country that you reside in and whichever currency that you chose. You will never have to deal with the local authorities in Margarita or Venezuela. There are also much stricter protection for the property deed when owned by a company rather than by an individual.

I, too, have also been to both Venezuela and Isla Margarita and they are very much different locations in every aspect that you can imagine. Venezuela is Venezuela and Margarita is Margarita! But even in Caracas, unless you are in the drug trade yourself, you have an extremely low chance of being caught up in this there. How many tourists have been shot in Venezuela. It is very much the same in this country, we hear of gangland shootings in Limerick and Dublin on a weekly basis, but these people are killing themselves over money and power, not the average person on the street, so basically, I completely disagree with picture that you have created with your comments and I repect your opinions as they are yours. The people of Margarita are one of the friendliest and nicest people that I have ever met and I never once saw one ounce of trouble on the island, even in the poorest of communities.
 
I would imagine that a current account surplus and large fx reserves won't be sufficient in the fight against inflation due to the overvaluation of the VEF. What will ultimately be necessary for Venezuela is to devalue the currency along much the same lines as Argentina was forced to do following their economic crisis. If this particular development is priced in local currency, a significant percentage will be wiped off the property value (likely to be around 2.5 times if the currency is devalued to the market rate).

I'm not entirely positive but I think Chavez is entitled to remain in power until 2013. In addition, while it is true that he cannot propose the same referendum again, like most countries, a change of words which don't extend to meaning will be sufficient to get Venezuelans to the polls again.

You are correct when you say that I cannot possibly suggest that somebody carries a suitcase full of cash into Caracas airport. That's my point, I'd stay well away from any country where that is the only mechanism by which I can get market value for my money. Again, if this development is priced in VEF and an apartment costs VEF300k, the official rate renders its value at E100k. But of course, that's not accurate.

The market value in Euro would be closer to E40k. The black currency market is not solely used by drug barons. It is also used by locals and tourists. A popular means of retaining your money's value is to fly to Aruba, withdraw $ or Euro from an ATM and fly back to Venezuela and change the money on the black market. If everyone were forced to adopt the use of the official rate, Venezuela would be one of the most expensive countries in the world, if not the most expensive measured at purchasing power parity.

When I say that you can't remove your money from Venezuela, I don't mean literally, I just mean that you couldn't get it out at its true value. Owning the property through a company would seem to be the most prudent course of action. As you say, it probably is a lot safer as well given that Chavez in his quest for the grand Bolivarian Republic will likely not want to scare away too much corporate FDI.

You're most certainly correct, Caracas (and the rest of the mainland) and Isla Margarita are an eternity apart and the island is probably one of the world's most beautiful places but I personally wouldn't ever recommend it as an investment. I suppose the difference between the violent crime in Ireland and Venezuela is that in Ireland it's mostly gangland whereas in Venezuela it permeates every fabric of society and affects tourists and non-criminal locals alike to a far greater degree. Isla Margarita is certainly different, it doesn't have the same level of crime as the rest of Venezuela but unfortunately it still is a part of Venezuela and as such, its fate will be anchored to the capital and its most loquacious proponent, Chavez.
 
I do agree with some of the things that you say.

Chavez must leave power in December 2011. He is only allowed to serve two terms in power, and each term lasts 6 years. His current second term began in December 2005.

If you speak to many of the locals, as I have, you will find that most of the support is for Chavez's opposition party who are very much right wing. Even Chavez himself has recently admitted that he will be leaving power and that he does not want to be remembered as a dictator type leader, which his comments shocked the nation. There are even suggestions that he will stand down from power before his term is up, but that would be remained to be seen.

Our properties are purchased in Euros and all future selling on can be done in whatever currency the client wishes. The only way to achieve this is to set up off-shore companies (ours are registered in Wyoming as non-trading limited liability companies) and as long as you are not a registered American tax payer, you do not have to file a tax return in America annually, just renew the registration each year.

Secondly, the American hotel chain, Geneva Hospitality, who are offering the Bonded guaranteed rental system are not going to offer two ten year guaranteed rentals, first at 7% net (reviewable after 5 years to increase to 8.25%) and then 9% net (reviewable) for the second 10 years, if there was a high risk that they could be booted out of the country.

Clients monies are bonded by Chubb Insurance annually for $10,000,000 and each client is a named beneficiary on the policy. So, if for some reason, Chavez orientated or not, Geneva could not fulfill the contract, each owner is paid their money. Working that out on a €100,000 property, the minium return over the 20 years that the client gets back is €160,000 making clear profit of €58,000 (2% is purchase costs, including the setting of the company in the US). If Chavez does not go completely nuts and boot out every foreign company out, then owners will make a profit of €58,000 plus they will still have their property worth whatever it is worth in 20 years time.

Secondly, announcements are being made this summer with regard to the construction of a Formula One Grand Prix Circuit on the Island of Margarita. The total cost of this project is $1.3 billion, of which $800 million will be financed by Bernie Ecclestone. The rest will be financed by the local government. If this project is announced to be going ahead, this is yet another reason why some of your theories are a little extreme.

There is a shortage of 110,000 beds on the island as tourism rates on the island in recent years have soured. In 2005, 1.5 million tourists visited Margarita and in 2006, this figure rose to 2.4 million plus an additional 1.1 million tourists visited on day trips from the cruise ships as 50% of all Caribbean cruise ships now stop in Margarita. This brings in massive money into the island and again, anything that would harm this income would have huge effects on the country and on the mood of the local people. From the local people that I have spoken to, both general public and people in local government, they are fed up with Chavez and they want him out. The true result of the referendum last December was 70:30 against Chavez. This true figure Chavez denied as he did not want the world to see that his own people are completely against him.

Every property purchase in the world has an element of risk, and believe me, there are far worse than Margarita a lot closer to home, such as many of the corrupt mafia run eastern block countries, however, I would totally agree with you that Venezuela would NOT be a good investment, but Margarita is NOT Venezuela and far from it. It is even not governed by Chavez. This is not your normal development either, in that we have secured an iron tight contract for the protection of all clients and if you saw the contracts, you would know exactly what I mean. Even down to if a client of the hotel trashes the property, it would be the responsibility of Geneva to replace everything and re-instate the property to its original condition.

Saying that, it is good to give people both sides of the argument and I welcome your comments, even though I do not agree with some of them.

I do apologise, I forgot to comment on your theory of the properties being worth 2.5 times less than the market price, because of the black market currency exchange rates.

This, I completely disagree with as nobody is dealing in that kind of sum of money on the black market and this would have to carried out in cash. No sane person would purchase a property with cash in a suitcase, that to obtain that kind of exchange rate, they would have to carry that sum in a suitcase. The market exchange that you mention that tourists and locals use is a very risky one as you are dealing with street traders ultimately employed by the drug trade, so it is the drug barons who control it. The normal sums of money that is traded in this way is not normally more than $1,000 used in increase your spending money on holidays, nothing more! And I would strongly advise anyone not to deal in this way for any amount as you are associating yourself in criminal activities. Once the drug traders exchange their local currency into, and they prefer dollars, they carry out this cash in their pockets by means of couriers to places such as Panama and deposit it into dollar accounts. This is why it exists as when removing money from Venezuela requires paperwork and proof of where the money has come from. If you sell your property, you have proof of where your money has come from, for you will have notorised paperwork for that said transaction. This system also exists in most European countries, including Ireland, Spain, etc. and is in existance for a very valid reason, to stop money laundering! If you have exchanged even €10 whilst on your visit to Caracas on the street in this way, then you have assisted in laundering money and therefore committed a serious crime.

So, for transactions such as property purchases, etc. all transactions are carried out through banks in the normal way at the official exchange rates and I do not think that you could find me one single person that has carried out a property transaction who obtained 2.5 times their money by taking that cash to a street trader and then taking that cash to a bank, deposited it and then transferring the sum to the vendor and this is exactly what you are suggesting.

You did indeed state that you cannot remove your money from Venezuela, which is completely untrue and I do realise that you are now saying that you did not literally mean it, but then you should not make such a statement in the first instance. How many meanings can "you cannot remove money from Venezuela" have? I can only see one meaning.
Taking money out at its true value is at its true value for all of the above reasons to do with property purchases. Do you think that USA is purchasing their oil from Venezuela by bringing their dollars over in suitcases, exchanging on the street and then paying the government with laundered money so they get a better rate for their dollar?
 
Did somebody bought recently real estate in Margarita Island?

Hi Guys,

I am looking into the property on Margarita Island and I am wondering if somebody bought recently there and it will be much appreciated to find out the price rance and the new developpments on the Island.
Also the steps in aprouching this. I am visting the island next month and I am trying to vist some places
 
In reply to LITEWEIGHT and VERGICA read the previous threads over the last few weeks and see the pros and cons of Margarita Island. I have taken all views on board and I am going ahead with my investment. My rental is guaranteed and bonded at 7% for 10 years. It seems to me that negative comments made by some of the contributors, may not have read the previous threads. I reckon this resort will take off and will prove to be a profitable investment in the near future. My agent is Shane Henderson of Paragon Properties and he has replied to other threads on this site. His web site is www.paragonireland.com or contact him on 0879006114 for all details of this brilliant resort on Margarita Island. Best of Luck!
 
Does anyone else find it strange that THATS RIGHT's only posts on this site have been on this topic and that at every opportunity has plugged Paragon?

Is there an interest that needs to be declared?
 
In reply to CHIGGLES: I have no affiliation to Paragon or any other agent. I want to invest in the Caribbean and this agent has given me a guaranteed investment and a knowledgeable and an honest profile of the island. One of the most negative threads is by REKHIB who states that “possibly the worst country of the 200 odd on this planet to invest”. Reading his profile he has invested in Budapest. Have a look at the thread in Overseas Property Investments “A cautionary tale of losses in Budapest” on page 2. At the end of the day you can listen to “what if this or that” I prefer to rely on facts!! I have not been a regular poster as I have only discovered this site recently, but I hope to get involved in the future!
 
In response to THAT'S RIGHT: Amgd28, the creator of that post about losses in Budapest states himself that he broke all the rules of investing (something that you'll be familiar with shortly it seems). While you are unfamiliar about my personal financial situation, my age profile, my risk profile, the segment of the market I'm exposed to, the level of gearing that I have and my general investment objectives and timeframes, I suggest you focus your full attention on your own affairs.

In response to Paragon: I generally agree with most of what you're saying. Of course the United States and any other importers of Venezuelan oil don't change their money on the black market, they, eh, pay in USDs. I don't want to get into an argument about semantics but in response to your quote:

"You did indeed state that you cannot remove your money from Venezuela, which is completely untrue and I do realise that you are now saying that you did not literally mean it, but then you should not make such a statement in the first instance. How many meanings can "you cannot remove money from Venezuela" have? I can only see one meaning."

This is completely analogous to you saying "Margarita is NOT Venezuela". In fact, it is, and you must concede that your statement is also completely closed to interpretation. If you do not mean it literally, perhaps don't say it ;-)

Anyway, the opinions I have offered up throughout are not aimed specifically at your development and given that you have the property managed through offshore companies, you have bonds in place, iron clad contracts and purchase prices in Euro, I think you have positioned yourself in the best possible way to enter a risky market. I wish you all the best.
 
Yes, Margarita is part of Venezuela, however, my point was that one is not mainland Venezuela, as in crime, corruption, etc. and two it is rather run differently than mainland Venezuela. The island is also held in a very different light to both mainland Venezuelans and local islanders.

I do really appreciate your comments and completely respect your opinions as it is always in the best interest to give people both sides of the story, whether they be good or bad. From the instance that I got involved with this development, I, too, had many reservations, however, after educating myself on the region, I insisted that these precautions were necessary to implement for the complete protection of our clients. We have implemented every aspect of the ownership to be in favour of the client and anyone who takes the time to view the contracts, both purchase and rental, will see this.

By the way, THAT'S RIGHT has no affiliation with my company but is a client of ours. If you view my profile, you will see when I created my account which is the same date that I posted my first comment. I also made it clear from my first post that I was the agent promoting this development. I am aware that some agents may pose as clients to promote their business on this site, but I truly hope that this is not seen to be how I operate as it could not be further from the truth.
 
I was at the recent property expo in RDS and spoke with Paragon. They make a convincing case and on the face of it, it seems a good bet. I will not be investing however as I agree with rekhib - If Venezuela goes belly up, Margarita Island goes belly up too. They may not be linked by land and I am sure are completely different in terms of crime, attitudes etc. However the facts are that it is inextricably linked economically and if the precarious Venezualan economy declines or is forced into a devaluation then Margarita Island will be taken with it.

If the island were an independant state, then I think this would be a good investment opportunity but why anyone would invest in a country that is run by a dictator - and lets be realistic, thats what he is - and would be constantly teethering on the edge of unbalance is beyond me.

The other major concern I had is who will buy this apartment off me in 10 -15 years time? If beds are in such shortage then more and more hotels will spring up over time with deals such as this and eventually the market will be saturated.

Finally, this is not a "being negative" post. It is in short a quick summation of why I won't be investing in Margarita island. Just because someone posts in disagreement with your opinion it may not be that they are just being negative for the sake of it. They may have thought it through and are giving their reasons why they will not invest. To those who do invest...best of luck.
 
The big issue for me (as you say, merx07), would be who would actually buy the apartment from me in 10 years' time? There are a lot of unknown variables at play here. Although the guaranteed rental would seem to suggest otherwise, this is in fact a high risk investment, particularly in terms of capital appreciation potential.
 
There are a few points to remember:

1. Chavez is NOT a dictator but is an elected head of government. He actually lost his first election and won this 2nd and 3rd election.
2. Since Chavez took over as head of government, he has instigated many improvements in Venezuela, such as reducing poverty from 55% to 34%. In 2003, he brought in Mission Robinson to provide free reading, writing and arithmetic lessons to the more than 1.5 million Venezuelan adults who were illiterate prior to his 1999 election. In 2003, he launched Mission Sucre to provide free higher education to the two million adult Venezuelans who had not completed their elementary-level education. He has provided government subsidized grocery shops to provide food for the poor. He has built numerous hospitals, roads, etc. to improve the infrastructure of the country.
3. Previous state owned companies, such as AES (the national electricity company), had been privatised by previous government. Chavez purchased back 82% of this company from AES and Paul Hanrahan, the CEO of AES has stated that the process was completely fair. This does not indicate that Chavez is on a mission to boot out foreign companies for nothing, but to re-patriate companies that have a major national effect on the country.
4. When Chavez took power in 1999, the national debt of Venezuela was US$3 billion and now the national debt is zero.
5. The reason why inflation is still high in Venezuela is because public spending is still breaking unprecedented records.
6. Venezuela is the 5th largest oil producers in the world and they have also purchased many oil wells in places such as Syria, etc. 60% of all their oil is sold to the US, who incidently do not export nor use any of the oil that is produced within the US. They are stockpiling for the future when world oil runs out and will then hold massive control over world markets.
7. All disputes with the US are over the control of oil. Chavez wants to reduce his dependency on the US and start providing oil to countries such as China and India. India currently purchases over 2 billion barrels of oil from Venezuela per year.
8. When hurricane Katrina hit US Gulf Coast in 2005, Chavez was the first foreign country to offer free aid to the devastated region. Bush turned down this offer, but various officials in the Northeastern region of the US later signed an agreement with Chavez to provide discounted heating oil to low income families.

Finally, to answer who will purchase your property in 10 years:

1. You have the option to renew the rental agreement for a further 10 years, however, the figure at the moment is at 9% net. If this option is taken, your total income will give you back your initial complete investment plus €60,000 and you will still have your property to sell.
2. Should you wish to sell at anytime and it does not have to be after 10 years, it can be sold at anytime, and you have to remember where in the world the property is located.
I will quote an interesting statistic about the Caribbean, which will show that the Caribbean has the highest hotel occupancy rates in the world.

"In September 2006, 41,000 people in the UK made search engine enquiries using the keywords 'property for sale in Bulgaria', yet only 1,500 searched using the keywords 'property for sale in the Caribbean'.
Worldwide, there were only 3,250 searches using the keywords 'rental properties in Bulgaria' and a staggering 6,500,000 searched using the keywords 'rental properties in the Caribbean'."

Currently, the Dominican Republic has the highest hotel occupancy rates in the world at 94%, Barbados has 87% and Margarita Island has over 80%. After year 5, should the hotel occupancy remain above 75%, your income will increase to 8.25% net. Tourism has grown from 1.5 million in 2005 to 2.4 million in 2006 plus an additional 1.1 million visited on day trips from the touring Caribbean cruise ships. 50% of all Caribbean cruise ships stop in Margarita.

Our development is classed as commercial as it is a fully operating hotel and prospective purchasers, as they are now, are attracted to a fully bonded guaranteed rental income. Prospective purchasers of your property are entitled to carry on the rental agreement and this is stated in the contract. The rental agreement also offers no management or maintenace fees. This will be another attraction for prospective purchasers.

Purchase prices are low, as too are purchase costs of only 2%. The prospective purchaser of your property will have NO purchase costs, only a €200 admin fee to re-issue the share certificate for the ownership of your overshore company. Your Capital Gains Tax liability on the sale will be zero in Margarita and 20% due to the Irish Revenue. Should the property be placed within your pension, and as long as you abide by the guidelines of when the property can be sold, then the CGT will be zero and also no income tax will be liable from the rental income whilst the property is within your pension. You will also benefit from zero income tax on either 20%, 25% or 30% (depending on your age) of your gross annual income in Ireland for the amount that you are putting into your pension annually to pay for the property.
 
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