[Topic] What kind of investment is cost-effective? Will you choose a house, a shop or an office building?

Investing in real estate: making steady money.

Investment in residential property has four purposes: first, to seek ideal returns. General investment in residential property can get 8%- 10% income; Second, in order to preserve value. Because of the characteristics of land, residential property has certain resistance to market fluctuations and can play a good role in maintaining value; The third is to pursue asset appreciation. Urban land is non-renewable, which makes the property in some areas precious and rare. Investing in this kind of property can make assets appreciate. The fourth is to control risks. Residential property has a unique function, the market changes slowly, it is easy to grasp, and investors can better control risks. It can be said that although the income from investing in housing is relatively dull, the initial investment is not too large and the risk is relatively small, which is the most secure of the three real estate investments.

Investment shops: one shop for three generations

As the saying goes, "one shop raises three generations." At present, there are four kinds of people who invest in shops: small owners, who buy a small number of shops to rent or appreciate and then change hands to make profits; Tenants "eat" a considerable number of shops at the wholesale price, and after proper packaging, sublet them at the retail price to earn the difference profit; Self-operated shops; Invest in providing for the aged.

Different from other investments, shops have two kinds of value-added means. One is subletting, and the other is self-management. Generally speaking, the rental income from investing in small shops is definitely higher than the interest on putting money in the bank. At the same time, the price of shops is usually inversely proportional to the house price. The price of shops will fluctuate upward with the maturity of business atmosphere, and the price of second-hand shops will also rise because of the maturity of surrounding business atmosphere. As the saying goes, the more shops use, the more they appreciate, and the more they use, the more they depreciate.

But the investment in shops is a high-input, high-output and high-risk behavior. Before deciding the investment target, investors must be clear about several aspects: First, understand the location. The quality of lots is directly related to the potential of maintaining and increasing the value of shops; The second is to understand the developers. The strength, reputation and experience of developers are directly related to whether the mall can really take shape; The third is to grasp the market conditions. How much a shop is worth depends on its rent level. Only by knowing the rent level of the shops in the lot now and in the next few years can we calculate whether its current price is reasonable.

Office Building Investment: Vision Determines Value

Generally speaking, investment in office buildings needs to pay attention to the following aspects: the first is the location. Because the appreciation of real estate mainly comes from the appreciation of land, and the main central area of the city is limited and has more room for appreciation, whether it is located in the future CBD area of the city is the first choice to measure the grade of an office building and whether it has investment value. "The first is lots, the second is lots, and the third is lots." This famous investment quote must be kept in mind.

Followed by grade. Office investment should be aimed at the target customer base. In the case of limited investment capacity, it is less risky to choose an office building with a relatively small area but reflecting the grade. Such as whether the traffic can extend in all directions, whether the design of the parking lot is reasonable, the facade and quality of the building, the grade and layout of the lobby, the quality and configuration of the elevator, and whether the lighting and ventilation are good are all considered.

The third is soft matching and property management. In soft matching, information configuration and intelligent configuration are emphasized, and the basic analysis indicators include building automation system, external broadband access, internal integrated wiring, GSM indoor coverage, configuration degree and variability of network system, etc. And property management depends on the brand and social reputation of the property management company.

The fourth is the threshold of home ownership and return on investment. The threshold of home ownership determines the scale of investment. Whether you can buy by bank mortgage, you only need to make a down payment, and then pay the house price by means of "rental loan", so that the rental enterprise can pay the house price for you, and you can enjoy the high rental return for decades in a few years. Therefore, when purchasing, we need to examine the property right of the office building, the existing occupancy rate and the category level of the company.