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大宅

積分: 4181


發表於 06-8-2 11:52 |顯示全部帖子

Anyone can help me to count the yield?

As my mother want to buy a flat to invest, want to ask:

If buy flat for $1.2m, then rent out for $5000 per month.
Does it better for just put $1.2m in bank? (if interest rate is 3%?).

Tks.


侯爵府

積分: 24705

好媽媽勳章


發表於 06-8-2 12:17 |顯示全部帖子

Re: Anyone can help me to count the yield?

Dear joebaby
If the net income is 5000 per month, i.e 60,000 per year. Then, the interest rate is 5% (for 1.2m).
But you should know that is the $5000 include management fee? tax?
If you put 1.2m in the bank (for interest rate of 3%), you can only get $3000 per month.


大宅

積分: 3655


發表於 06-8-2 13:11 |顯示全部帖子

Re: Anyone can help me to count the yield?

買樓都唔少使費,厘印、佣金、律師費,仲有使唔使裝修?另外,到租樓時又要比佣。

差餉、地租、管理費,仲有出租物業要比物業稅!!仲未計,層樓三幾年可能要維修!!

上面所講,通通都要計入成本。

咁當然,層樓可能會升值,可能會加租!但亦會貶值,租金亦會下跌。

另外,如果 1.2 mil,做定期而家唔止3%。

建議樓主計清楚d 數先決定。


大宅

積分: 4170


發表於 06-8-2 17:20 |顯示全部帖子

Re: Anyone can help me to count the yield?

好同意tommythumb所講,另外我都有小小意見,睇下幫唔幫到你 ~~


1. If buy flat for $1.2m
請問1.2m係首期定full pay買層1.2m既樓?
如果係首期就要計下利息,如果full pay咁我諗層樓都唔會新同唔會大,再賣出去時樓齡問題囉
(樓價可升可跌都唔到我地去估,暫時擺埋一邊)

2. then rent out for $5000 per month
咁要考慮埋租客水平囉,遇到好客就安樂,如果唔係煩既唔止係錢咁簡單(我身邊d人就屬於唔好彩的多,聽聽埋埋我會比較擔心呢樣)
再計下扣埋d管理費/差响/稅項有幾多實錢落袋呢?

3. Does it better for just put $1.2m in bank? (if interest rate is 3%?).
BEA簿仔over1萬都有3%喇,1.2m定期起碼over 4%


想問多句,除左呢1.2m外伯母仲有無多餘錢傍身?
老人家好難講得埋,如果有咩突發事急需用錢等唔等得切賣樓吐現?(我講現實情況,有咩得罪多多包涵 :wink: )

不過買唔買就要睇伯母點諗囉,點講d錢都係佢既,我地都係以事論事咋


大宅

積分: 4181


發表於 06-8-2 19:03 |顯示全部帖子

Re: Anyone can help me to count the yield?

Tks for all mama, I will tell my mother about all these comment.

Actually, I'm not prefer her to buy as she must full paid. Then, she may just get very little amount of cash. However, she always say want to buy a flat for in these 2 years. (We don't know why?! )
And now my uncle said his neighbour want to sell the flat, then ask my mother to buy.

& the point is the age of the flat is 26 years, it seems need to pay lot of money for maintanence.

She also said if no one to rent, then, she move to live in there It's quite far way from her working place.

唉!好煩,成日都話唔聽,叫佢留番d錢傍身,但係佢就鍾意借晒俾我舅父贖樓, 但係我舅父一d都唔窮,2個月去一次旅行, 我都係好慳先可一年一次.


大宅

積分: 4170


發表於 06-8-2 22:24 |顯示全部帖子

Re: Anyone can help me to count the yield?

唔好咁煩喇,平心靜氣慢慢同佢分析囉

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