苏富比国际地产经纪|CalBRE#:01920606

YuFei (于菲) 微信:lahome168|E-mail: lahome168@yahoo.com

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中国人喜欢买房,它既是生活必需品,又兼具保值升值的功能,从长期经验来看,资产产品风险总是相对较大的,而住房的安全稳定性却是十分高的。工厂、股份、债权、存款等财产在遭受冲击时可能在瞬间就灰飞烟灭,而住房往往在危难时节的避险功能几乎是无可替代的,其次住房担负着财产传承的功能,它多方面有着其他理财产品不可比拟的优越特点。

投资房产主要看重两个方面的:保值升值和投资回报两方面,追求投资回报适合找价位低,现金流回报高的房产。自住房产通常考虑学区的优异和社区的安全性,升值潜力较大的房产。

美国买房租金回报率有多少?美国不同地域的房价差距很大导致租金回报也有很大的差距。以加州华人区的普通住房来看。房子出租後的毛租金回报率一般可达到7-9%。扣掉持有成本和管理成本,净回报率平均在5-6%之间。在一些比较低房价的房产能达到8%-10%,是相当不错的回报率。

Most adults (81 percent) in US agree that buying a home is the best long-term investment a person can make, according a Pew Research Center survey of 2,142 adults released this report. buying a home is a good investment that will appreciate over time, and eventually help provide for retirement by not having a house payment in your old age once you’ve paid off the mortgage.  Alternatively, you can make money selling the house when you become too old to live alone or just need to downsize to a smaller house or a condo.

Investment returns in real estate are really comprised of two pieces: operating positive cash flows and long-term appreciation. for long term appreciation, there is a golden rule: Location, location, location! what about cash flow return? let’s see this chart.
cash flow
Cash on Cash return” is the most important measurement   That 6.0% is a pretty fair return for real estate and of course there hopefully will be some long term appreciation, Let’s be a little bit smarter to do this simple calculation and make sure we take a good look and a conservative approach to real estate investing for our own long term benefit.