How did I save money to buy two stores?

It took me a week from preparing to buy the store to getting it. Accurately speaking, it took my husband and I less than a day from looking at the house to paying the money.

Consciously buying shops is achieved by playing with cash flow and taking others to play with cash flow. Cash flow is a game between rich dad and poor dad in Robert Toru Kiyosaki. We moved him to reality, playing all the time and realizing all the time. A big coffee once said: Play cash flow 100 times, and when you 100 times as a wealth coach, you will definitely achieve financial freedom.

There are small businesses and big transactions in the cash flow game, in which there is a lot of information about real estate. The card will indicate the total value of the property, down payment, loan, cash flow and rate of return. At the beginning, you need to calculate whether to invest or not. The more times you play, you have your own judgment standard. You can make a decision immediately by looking at the down payment and positive cash flow. Should you enable this property?

Moreover, I think this shop has a 40-year property right, and the yield in the first three years is 8%, 9%, 10%. From the fourth year, the minimum yield will not be lower than 10%. The income of the first three years can be directly deducted from the house payment, which means that the house payment can be reduced, which will be written in black and white in the contract.

First: This city is in my hometown, the 18th line county. Even if we are busy, we can ask for help.

Second: if it is paid in full, it will be less than 12 years, and the remaining 28 years will be net income, leaving a house.

Third: we don't need to manage our own shops, the property will help us take care of it, which is very worry-free.

Fourth, because it is a commercial house, it will not occupy our housing qualification.

After considering these points clearly, we immediately decided to start buying shops. We are going to buy it in full, and then wait for the annual income. This is positive cash flow. Whether I go to work or not, he can bring me income, that is, passive income (after sleep income).

Yes, what if we have zero deposit? Our first thought is to find a friend to work with. When you dial the phone to borrow money, you can't open your mouth. Therefore, borrowing money becomes introducing shops and asking friends if they want to buy shops. In this way, we originally planned to buy a shop with a loan, but we bought two and a friend bought one.

Fortunately, I, Mr. Shen, have a 300,000 loan card with an annual interest rate of 7.2%. He only needs to pay 0.6% interest every month, and pay back the principal when it expires. We didn't want to borrow any more money, so we thought of this card, transferred it directly, and paid the full amount in cash from the bank.

The house price is about * * * 15000 yuan, which is deducted from the income in the first three years. We paid almost 1 15000, and since the fourth year of payment, we have about 15000 of passive income every year.

Because of the loan, I usually spend money in a planned way, and I paid all the money back in less than one year. 17 It's been almost two years since I bought the store. The store I bought has started to operate normally, so I'll wait for passive income in the future.

Do you have real estate or automobile production? Are your house and car assets or liabilities? If you don't know what assets and liabilities are, you can refer to Assets or Liabilities, do you know? .

Ps: Some knowledge about handling credit cards and large loan cards.

My family, Mr. Shen, is an intermediate engineer in a state-owned enterprise. He can apply for this kind of large loan business. And I, a private enterprise employee, have no such treatment, so I can only apply for a credit card and keep it for a big expense without asking for money.

As long as you are:

(1) civil servants

(2) Teachers, doctors or staff of other institutions;

(3) middle and senior managers in enterprise units; Ordinary staff in telecommunications, electric power, tobacco, oil refining, ports, salt affairs, finance, lawyers, accounting and other industries. (Among them, lawyers and certified public accountants must have more than three years of practice qualification certificates)

Please make good use of your position. You can get a large credit card and seize the good opportunity.

Hello, I'm Xia Meng, a pregnant mother. I hope that through my efforts, more and more people will be influenced. Together, we will be positive, sunny and full of love. )