User talk:Smart choice for real estate

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Still, the Lebanese real estate market remained, even in the darkest times, one of the backbones of the Lebanese economy. Bearing in mind that the last 4 years were not the best of times for real estate activity, the sector kept on revealing its high resilience and its ability to adjust to the new realities. the real estate sector has become one of the pillars of Lebanon's economy, especially during times of economic and political stability, when real estate transactions surged quite high. Nevertheless, domestic and regional political uncertainties coupled with slowdown in economic growth have posed challenges to the performance of the sector.

Lebanese commercial banks succeeded in attracting additional borrowers for their housing loans in 2015. The continuous support of the financial sector and more specifically the Lebanese Central Bank’s (BdL) stimulus packages to the private sector that continued through 2015 pushed households to borrow from commercial banks.

In addition, Lebanese banks were implementing aggressive and competitive marketing strategies to boost lending activity by lengthening the loans’ repayment schedules and providing lower interest rates following the financial crisis. Actually, the Lebanese commercial banks are mainly providing 2 types of subsidized loans: the Central Bank subsidized loan and the program in cooperation with the Public Corporation for Housing (PCH). Given that the former is usually offered at relatively higher interest rate, Lebanese citizens tend to apply for PCH loans, known as “Iskan” loans as they are more designed for low- to middle- end households.

Smart choice for real estate is established on 20th April 2015 as a limited liability company registered at Mount Lebanon. The company operates in the service sector as a Real Estate intermediary. Although the company is not the only one in its area of business but it certainly differentiates itself by its service line and its geographical plans to expand.