Hello from TURKEY-The Ancient CRADLE of CIVILISATIONS...

ATOMER YONEY-

The international Property Specialist & Certified Building Inspector

Real Estate Structured finance-Required for TURKİSH & BULGARIAN Property Markets- First Quarter 2006

For Clients like:

â?¢ Major International property Investors

â?¢ Top domestic national investors in real estate

â?¢ Companies with large property portfolio

â?¢ Institutional investors

â?¢ Financial service providers

â?¢ Cooperatives in Turkish Housing industry

LENDERS should bear in mind of the following:

â?¢ Leading and recognised International property Specialist providing its clients, Products and services, during the entire life-cycle of property,including Property construction investment finance.

â?¢ Structured property financing

â?¢ International Property Developer conveyancing,

â?¢ Not only fully developed and / or fully let properties

â?¢ Consulting,Property management,Building inspection,title deed and mortgage insurance supplier, and other related services

â?¢ Property asset management of issueing shares per unit Sq.m. to be sold in local Stock Exchange markets

â?¢ Supplier of Escrowing to property investors

â?¢ Market Entry,total commitment Should not be less than 100 Mio. Euros per year

â?¢ Minimum commitment should be 2-5 Mio. Euros

â?¢ Property types: Residential ,Shopping centers, 4-5 star business and SpA hotels, Centrum Office Buildings, Factories with EU expqrt connections, Logistic Centers

â?¢ Financing of Cities like Ankara,İstanbul,Izmir,.Touristic areas,Blacksea coast on TRAKIA

â?¢ Target investors: Residential Coops owning their land, Property Investment Partnerships, Minimum 5 year ago established, experienced Turkish holdings, and International real Estate players

We are a Property specilist and Consultancy firm, with highly diversified revenue stream by Country and sector, not Balance Sheet driven only,but could be capable of Buy & Sell,as well as supplying exit strategies ,which could be a compulsory part of Our Feasibility report, Business plan and inspection process, in writting new Offplan investment Businesses in mainly Eastern Europe Countries, residential and Commercial markets.

INTRODUCTION to TURKİSH PROPERTY MARKETS

â?¢ Turkish ISE is achieving record increases, e.g. On 29.12.2005 214 Shares- increasing, 59 shares- decreasing and 38 shares- No change

â?¢ Property Investment Partnerships daily increase is 2.16 %

â?¢ Since January,2005 the increase in Property prices is around 67% annually,

â?¢ No reduction in prices of Luxury and residential complexes with proper infrastructures

â?¢ Middle and Lower income classes of Turkish Society,is waiting Mortgage Law to own Houses,at prices,they are already paying as rents.e.g. 3000 Down payment + 350 Euros pcm x 240 months ,Construction period not exceeding 36 months

â?¢ Land prices on TRAKIA,sea-view to sea-side is around 17 to 40 Euros per Sq.m,

â?¢ Turkish Banks are already supplying Housing Loans for completed Homes,ranging between 0.98 to 1.08 pcm for 30 years fixed.

Loan Structure Requested

â?¢ Provision of Long term loans, (EUR or US$ according to the income of the property ) up to 7-20 years, with 3 years grace period, for Construction loens after 35% completion with own capital or savings,with a minimum investment of 2-5 Million Euros,upwards,

â?¢ A maximum Loan to Value / cost of 65 %,provided Valuation prepared by twd-one Turkish plus one representative of Lender-Building inspectors and / or appraisers

â?¢ Interest rates Swap / floating rate plus a margin (Hedging if necessary for floating rates )

â?¢ Repayment minimum, approximately 5 % p.a. of the principal amount

â?¢ A minimum Debt Service Cover ratio (DSCR ) of 1.35 is to be maintained at all times ( DSCR = Net income of the property / Debt service ( repayment + interest )

Loan Documentation for the Lenders:

â?¢ Local documentation according to Turkish laws in cooperation with local expert Law Office

â?¢ Securities include inter alia:

-First ranking mortgage over the property or Land

-Holding or Escrowing guarantee

- Pledge over receivables from the Home-buyers

-Pledge over the shares issued in ISE

â?¢ Country risk insurance ( conversion â?? and transfer risks ) to be concluded by the lender ( cost included in the margin )

Offer of Service by UNIVERSAL CONSULTING LLC for Cooperation

â?¢ Experience in the Turkish Property Market since 1980

â?¢ Long term relationship with firms with international experience ( Law offices,Solicitors,Appraisers, Property advisers, Real Estate agents , Constructors)

â?¢ Financing structure directly linked to the Property, no interference in Borrowers other activities

â?¢ As Contact persons, Native speakers employed in the branch Office of Lender / Bank, (Language and Cultural issues )

We are mainly looking for investors,developers or Partners,Preferably American,British and Arabs,to buy land,(in ISTANBUL,KUSADASI or ANTALYA-TURKEY or in CYPRUS,as I am a widowed Cypriot living in TURKEY since 25 years,as a project Managerand Building inspector),and subdivide the land into 450 Sq.m. Building plots,and to build at least two Show houses, and Market by MLM and/or EMM, as Off Plan property according to the wish of potential Non-national European Customers,as well as individual Single Houses and/or Apartment flats,all

Seaview,secured by Insurance policies,like Title Deed insurance,Mortgage insurance,Buyer's all risk insurance,which are not available in TURKEY,yet.That"s why We urge You to open an Office,either in nearest EU destinations,like SAMOS of Greece-only 900 meters to KUSADASI or in BULGARIA,only 150 Kms to ISTANBUL-TURKEY,where First FORMULA 1

TURKISH Rally had been held between 19-22 August,2005.On 03.10.2005, TURKEY got the approval from EU to start for full memmbership accession talks and two of the first chapters already completed.

We can also supply Seaboard & Seaview Plots on BlackSea Coast of TURKEY-TRAKIA,from 18-40 Euros per Sq.m.,only 10 Kms to NESSE-BULGARIA.

IMPROVE THE VALUE OF YOUR HOME WİTH US

UNI-PD UNIVERSAL CONSULTING LTD.

THİS PARADİSE İS REAL, AND AFFORDABLE

ATOMER YÃ?NEY

CERTİFİED CİVİL ENG(METU)-BUİLDİNG INSPECTOR(PWD)

CONSTRUCTİON MANAGER(UK)-FİNANCİAL CONSULTANT(D)

TEL: + 90 212 288 16 56

FAX: + 90 212 272 46 55

GSM: +90 555 219 89 46

E- MAİL:atomery@yahoo.com

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