Advantages:
1. Because the apartment area is generally small, the total price is lower than that of ordinary houses, so that more people can afford it and at the same time reduce the pressure of repaying loans;
2. Most of the apartments are in busy areas with complete living facilities. If you live by yourself, life and travel are very convenient; As an investment product, it can not only enjoy a certain rate of return, but also be easy to sell and transfer.
3. In terms of policy, ordinary commercial housing in some cities is restricted, but apartments are not restricted.
Disadvantages:
1. The apartment can only use commercial loans, and the longest loan period is 10 years.
2. Most apartments are not ventilated and have strong investment attributes, so they are not suitable for long-term residence.
Second, how to calculate the investment income of the apartment?
Any investment product has two sides, and advantages and disadvantages coexist. But whether a project is worth investing depends on its income.
Generally speaking, the return on apartment investment mainly comes from rent. For example, buy an apartment, 500 thousand, and rent 2500 a month. Then, according to the rough calculation formula of rental rate of return:
Rent return rate = (monthly rent * 12)/ total house price = (2500 *12)/500,000 =6%.
It is worth mentioning that after the apartment is rented, the rent will not remain unchanged. If the house price in this area rises, the rent will also rise and the rate of return will be higher. The appreciation potential of apartments in the core area is higher than that of ordinary apartments.
Third, how to make apartment investment more valuable?
Once you choose to invest, you should also make yourself "worthwhile".
If investors choose to invest in apartments, they should remember the following three points:
1, Wang Di first.
People who choose to rent apartments will pay more attention to whether the surrounding facilities are complete and the transportation is convenient.
2. Choose a good property management and developer.
For tenants, with a good public security environment and advanced supporting equipment, it is better to choose an ordinary house.
3. Look at the prospect of regional planning.
Some apartment products will be relatively cheap, because the supporting transportation and industry are still immature. However, if the area where the apartment is located has future development potential, it is also worth investing, and the rate of return will be higher.