|
用金融杠杆,借鸡生蛋,可提高投资回报率.现以购入价为50万的经营物业为例:
|
贷款率 |
0% |
50% |
75% |
|
首付 |
$500,000 |
$250,000 |
$125,000 |
|
贷款, 6%, 25 年 |
$0 |
$250,000 |
$125,000 |
|
经营纯收入 |
$50,000 |
$50,000 |
$50,000 |
|
全年贷款偿付 |
$0 |
$19,195 |
$28,791 |
|
净纯收入 |
$50,000 |
$30,805 |
$21,209 |
|
投资回报率 |
10% |
12.32% |
16.97% |
|
可见:
只要现金回报率高于贷款利率,贷款越多,回报越高! |
如市场形势好,
一年后可以55万售出原经营屋业,投资回报将非常可观!
|
贷款率 |
0% |
50% |
75% |
|
首付 |
$500,000 |
$250,000 |
$125,000 |
|
贷款, 6%, 25 年 |
$0 |
$250,000 |
$125,000 |
|
经营纯收入 |
$50,000 |
$50,000 |
$50,000 |
|
全年贷款偿付 |
$0 |
$19,195 |
$28,791 |
|
净纯收入 |
$50,000 |
$30,805 |
$21,209 |
|
投资回报率(持有物业,同上) |
10% |
12.32% |
16.97% |
|
|
|
|
|
出售物业资产增值 |
$50,000 |
$50,000 |
$50,000 |
|
+净纯收入 |
$50,000 |
$30,805 |
$21,209 |
|
总投资回报 |
$100,000 |
$80,805 |
$71,209 |
|
全程投资回报率(购入持有出售) |
20% |
32.32% |
56.97% |
|
可见:
只要售价高于购入价,贷款越多,回报越高! |
提醒注意:
1,要实现此回报,需具备若干条件,如:
A.现金回报率高于贷款利率,
B.售价高于买价,
C.研究型专业经纪的全面配合,
2,回报愈高,风险愈大!(更难实现预期回报)
3,长线持有,接近零风险
|