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Responsible investments according to ESG criteria (Environmental, social and governance)

The real estate market is constantly evolving, with major global downturns.
Over the past twenty years, investment techniques have improved a lot.
Investing in real estate today is much more complex and requires very vertical technical skills depending on the type of investment you want to make.
The thematic investment consists of having a long-term focus and identifying the "winners" of tomorrow, that is, companies that benefit from long-term secular growth drivers.
The acronym ESG is composed of three words (Enviromental, social and governance) which in turn contain three distinct universes of social sensitivity.
The first is the environment , which includes risks such as climate change, CO2 emissions (carbon dioxide), air pollution and water, waste and deforestation.
The second includes the gender policies , human rights, labor standards and relations with the civil community.
The third universe relates to the corporate governance practices , including manager compensation policies, composition of the board of directors, control procedures, conduct of the top management and of the company in terms of compliance with laws and ethics.
The main funds place emphasis on the integration of ESG aspects into the entire investment decision-making process - from negative screening, to the evaluation of companies in the investable universe and to the correct sizing of positions up to active ESG risk monitoring, but also through engagement and voting.
In our approach the ESG aspect represents the pivot of our investment philosophy.
Today we can consider the dichotomy that opposed those who thought that the fiduciary mandate received by investors was exclusively to maximize profits and who, instead, promoted ESG factors within the management.
Sensitivity to sustainable practices has also increased among funds that do not have an explicit commitment on this front, generally labeled as ethical or socially responsible and which represent about 2% of the total.
Real estate demand and legislation are changing rapidly, for this reason, more and more listed companies, active in the real estate sector, are embracing the sustainability .
Companies not only believe they can improve operational performance, as shown by several studies, but they believe they can create opportunities.
This path of awareness was dictated, precisely, by the evolution of the market.
The real estate sector has in fact passed from considering mainly environmental issues (such as energy-efficient buildings) to monitoring a range of variables that cover the entire Esg area: environmental, social and governance aspects.
Today bad corporate governance can increase unpleasant circumstances that affect the image, perception and, finally, the value of an investment.
On the social front, we see a growing interest on the part of real estate towards the issues of work, health, safety, accessibility and urban planning.

 

Judicial auctions and salary and clearance proceedings

Anyone wishing to invest in the real estate market, on properties drawn from encumbrances or entrusted to expropriation procedures, in order to operate with a certain degree of security and to have good returns, must necessarily rely on specialized professionals.
Judicial auctions are a good investment channel, however the method of managing procedures has evolved also in relation to the evolution of the real estate market, and in particular the sharp fall in property prices and the economy in general.
Investing today is complex if you really want to get a good return and the technical barriers to entry in order to operate profitably are considerable.

 

Judicial auctions

Today it is increasingly difficult to close a good deal during judicial auctions.
The executive procedures are more and more often attended by bidders, who do nothing but raise the auction price in the hope of winning the good at a lower price than the market price.
However, this happens more and more rarely, especially in the markets of cities such as Rome, Milan, Turin, Genoa, Venice, Florence, Naples and other major cities.
The specialized professionals of ROCCA GROUP Advisor Property Law, have the objective of informing and supporting their clients about the best opportunities for the investment of foreclosed properties through some steps listed below:
  1. Screening of appraisals to find the most commercial properties
  2. Potential assessment of the identified building
  3. Evaluation of potential ancillary costs to be incurred
  4. Strategic preparation of the auction application
  5. Formal submission of the application form
  6. Payment of the balance
  7. Assignment of the property
  8. Cancellation of mortgages and transcriptions
  9. Possession of the property

 

Balance and excerpt

An alternative to auctions is the debt settlement and cancellation procedure.
Thanks to this procedure it is possible to reach an agreement with creditors (BANK or other creditors).
Agreement that most of the time allows you to win properties at a price 20-40% lower than the market value.
With the negotiation of the balance and withholding, the creditor, even though giving up part of his credit, has every interest in recovering his credit right as soon as possible.
In this negotiation all parties are winners, for these reasons:
  1. The real estate investor buys at 70 a property which for example is worth 100.
  2. The creditor frees himself in a short time of an unrealized credit, this allows him to unblock a liquidity to be effectively reinvested in the market.
  3. The debtor avoids the enforcement procedure, settles his debts.
  4. With the proceeds of the auction, the result is often uncertain and the debtor enforceable does not realize the proceeds necessary to repay all debts.