One parking space in the community 1.5 million, and the rent is 300 yuan per month. Which is more suitable, renting or buying a house?

I have really experienced this kind of problem! Our community is all underground parking, the parking space is almost 65,438+10,000, and this parking space is certified and can be mortgaged! But you can also rent it from the property, 3000 yuan a year! We chose to rent, and we thought it was not worthwhile to buy it at that time! But a year later, there was no parking space for rent, because they were all sold out! The property said to help me contact other owners to see if there are any unoccupied or vacant parking spaces, but the occupancy rate of our community is very high. Some owners have more than one car at home and can't rent parking spaces at all! I can't rent it, and I can't buy it if I want to! I have no place to park! I stopped outside for a year and decided to change to a bigger house! When selling, the house was difficult to sell because there was no supporting parking space, so it was hung in the intermediary for half a year. I heard that there was no parking space at home, thinking that buy buy would not arrive, and no one would reply to what I wanted to buy! After half a year, the house really can't sell for 70 thousand! Because I waited for the money to sell the house before buying a house!

Therefore, it is necessary to buy a house and a parking space. The community now is not the community before. Now they are all underground parking lots. If the underground parking space can't stop, it really can't stop. If the occupancy rate of the community is high, buying a parking space is a must! And the parking space belongs to the necessary supporting facilities of the house! When you want to sell a house, the value of a second-hand house lies not only in how good the location is, how good the school district is, and how luxurious the decoration is, but also in whether the house has supporting facilities, such as parking spaces and storage rooms! My experience is very representative. I want to sell my house. My home location is good, the decoration is hardcover, and it is also a good school district room! But because there is no parking space, it will be difficult to park. My house was left unattended and finally sold at a discount!

Nowadays, in many urban communities, the house is the money of the house and the parking space is the money of the parking space. I worked hard to buy a house. Is it worth buying another parking space? Today we will take a look at this netizen's problem. The parking space in the community was bought out at one time, with a total price of 6.5438+0.5 million. After that, we only need to pay the parking management fee in 25 yuan every month, which is the parking management fee in 300 yuan every year. If you don't buy it, you can also rent a car space. Parking space rent is 300 yuan every month. Is it cost-effective to buy or rent a parking space?

In fact, there are many uncertainties in this issue. But we can also calculate the current account clearly first, and look at it according to the current state, whether it is cost-effective to buy or rent. First of all, the total cost of buying a parking space for one year is only the management fee, one year in 300 yuan. If you rent a car, it's 300 yuan in January and 3600 yuan a year. Renting a car costs 3300 yuan more than buying a car.

But if you rent a car, you can save this 1.5 million cash. There is no need to buy high-risk financial management now. Normal and stable bank financing interest is 4%~4.5%, and here we will calculate it according to the safest 4%. 15,000 yuan with 4% interest a year, totaling * * * 6,000 yuan. In this way, combined with the income from financial management, renting a parking space saves 2700 yuan a year than buying a parking space. This is the immediate benefit.

However, there are two practical problems, that is, the parking space price may rise in the future, and the parking space rental price may also rise in the future, which requires us to weigh it ourselves. First of all, it depends on the proportion of the total number of households in our community to the total number of cars. If the total number of households is far less than the total number of cars, and there are multiple free parking spaces, the price of parking spaces will generally not fluctuate greatly, and the rent will generally not change. If the parking spaces in this community are tight and the proportion of the total number of households to the total number of parking spaces is lower than 1: 1, then the parking spaces in this community may be scarce. After all, every household now has a car and things are scarce. In the long run, you can also choose to buy a parking space.

At present, the general ratio between the total number of newly-built houses and the total number of cars is1:1.2 ~1:1.5. As long as this value can be guaranteed, the number of parking spaces is generally no problem. Of course, there are special circumstances. For example, your community is in a relatively prosperous area, and there is almost no parking lot around the community, so it is difficult for you to park outside the community. In this case, the price of parking spaces in your community may increase year by year. If your community is currently in the suburbs, you can park on the road outside the community, then the parking space in your community is unlikely to increase in price in the future, and may even fall.

In short, in view of your situation, from the immediate interests, renting a parking space is more cost-effective than buying a parking space. As for the long-term perspective, how to make a good deal depends on the appreciation space of parking spaces in your community. However, there is little room for appreciation of general parking spaces. When I bought it, the house price in our community has risen by nearly 50%. However, the price of parking spaces remained basically unchanged at that time. At present, two-thirds of the parking spaces have not been sold, and there are far more people renting parking spaces than buying parking spaces.

In addition, whether the parking space is worth buying depends on whether there is property right. Many parking spaces only have the right to use for 40 years, and there is no title certificate. He is different from a house. It is difficult for the price of parking spaces without property rights to rise. Unless the situation is very special, individuals prefer to rent a car space.

Which is more suitable, renting or buying? We will analyze which is more suitable through calculation, advantages and disadvantages:

Based on the current longest 20-year lease:

1. Buy a parking space150,000 yuan. Divided by 20 years, one year is about 13333 yuan, and the average month is about11yuan.

2. Rent a parking space in 300 yuan, then compare the parking space you bought to save 700 yuan in one month.

So if you simply compare the above calculations, you will definitely choose a parking space, but the reality is that it may be more reasonable to buy a parking space. Why do you say that? Let me share with you the most real accident around me, and you will understand after reading it.

Who is bargaining between buying and renting? 12 years, my friend and I bought a house in the same community. I remember that the average price was 10000 yuan per square meter. We bought different buildings, so the prices are different. Our family probably spent 1650.

I did have a car at that time, but my friend didn't, so my initial idea was to buy a garage. At that time, I went to the marketing center and asked, a parking space is about 200 thousand, which can't be divided into stages and has a real estate license. By this time, I have spent a lot of money to buy a house, so it is difficult to buy another garage. However, I thought that I wouldn't have to bother parking after I bought it, and I didn't have to find a parking space every day, so I thought about finding relatives and friends to collect some money to buy it.

After I bought it, there are still many garages. At this time, I told my friend that you can buy one and park your car later. He said that he doesn't have a car now, and it's no use buying it. Besides, a parking space costs 200 thousand, which is quite expensive. Don't buy it if it's not worthwhile. I said that's fine, whatever.

About two years later, my friend's family conditions are good. At this time I bought a car and wanted to buy a parking space. I found that they were all sold out, so I had no choice but to rent them. Fortunately, the rent is cheap, only 500 yuan a month.

About half a year later, all the houses developed in this period were occupied, and the parking spaces became more and more tense. My friend has to find a parking space in the parking lot for half a day after work every day. At this time, he told me that he really regretted it.

Three months later, the property informed him that there was no parking space for rent, and he needed to return the rest of the rent to him, so he had no parking space in his own community and had to park his car in a farther place.

I want to tell you this thing: don't look at the situation at that time, you must look at the long term, because parking spaces are cheap, but there is no guarantee, which is feasible in a short time, but after a long time, you will find that it takes an hour or two to find a parking space every day, which is simply not worth it.

But if you buy a parking space, it is equivalent to investing in yourself. Although you need a lot of money now, you can still trade later. At the same time, parking is not so troublesome. You will have your own parking space every day when you come back.

So with different choices, you will find that the problems you face are different. .

Later value and transaction, the value of having a parking space is higher: about three years later, 15, my friend sold the house. Although the house price couldn't go up, he sold 1.5 million at first. Basically, no one asked him because he had no parking space. As long as he asked, he knew that the parking people in our community were very nervous, so he hung up for a month and didn't make a deal.

After a month, the price was changed to 1.3 million, and some people came to consult, but in the end, because of the parking space problem, the transaction was still not concluded, because the price given by the other party was around 120- 125. So in the end, you can't help it, so you go down to 1.25 million and finally clinch a deal.

Similarly, I consulted my own set outside, which is about 1.8 million yuan. Because I brought a parking space, it is also very popular. Before I decided, I received many inquiries every day, and some even paid 1.95 million, so this is the value brought by parking spaces.

Advantages and disadvantages of buying and renting: 1. Advantages of buying:

1, which has its own property right and use right.

2, parking is convenient and takes less time.

3. Sell the house quickly in the later period, and the sublease benefit is high.

Second, the disadvantages of buying:

1, high investment cost and high pressure.

2. If you don't have your own car, it will cause waste and slow value recovery.

First, the advantages of rent:

1, less investment and less pressure.

2. It is convenient to park when the parking space is not very tight.

3, flexible funds, if investment can bring more benefits.

Second, the shortcomings of rent:

1, parking is very troublesome when the parking space is tight, and it takes a lot of time to find a parking space every day.

2. The appreciation space of the house is relatively small, and it sells slowly with parking spaces.

Finally, through the above calculation and analysis of advantages and disadvantages, it is better to buy a little on the whole, and I personally suggest buying a parking space.

Precautions:

Now many underground parking spaces have no property rights and cannot be sold. Therefore, everyone must pay attention to whether there is a real estate license and a land use certificate when purchasing, and also determine whether it can be sold again. Some civil air defense parking spaces cannot be sold.

After buying a parking space, are there any other follow-up charges? After some real estate companies sell, the property management company will charge some miscellaneous fees, so it must be clear that a parking space is also quite expensive.

The parking space in the residential area of the project is RMB 6,543,800+0.5 million, and the rent is 300 yuan per month. I think it depends. The author's views are as follows:

1, the community is dominated by small units, or it is difficult to park everyday, so it is more practical to buy a parking space. Now many residential areas are mainly concentrated in 80- 120 square meters. Now a family living in the city has 1 car or two cars. Therefore, the parking situation in some residential areas is worrying. In this context, it is undoubtedly the most convenient to buy a fixed parking space, and you don't have to look for parking spaces everywhere after coming home from work.

2. In the case of loose parking spaces, renting a parking space is more cost-effective than buying a parking space. Parking spaces in residential areas, according to property rights, are collectively owned by all residents in residential areas, and property management companies have the right to manage them. Of course, because it is collectively owned by all residents of the community, parking spaces are relatively "chicken ribs" as assets. Apart from parking, it has no function, and it can neither be used as an asset nor used for other purposes.

Furthermore, if the parking space in the community is 6.5438+0.5 million yuan for financial investment, the annual interest will be 6,000 yuan according to the current average market rate of return of 4%, while the annual expenditure for renting parking spaces will be 3,600 yuan. In contrast, parking spaces are obviously more cost-effective.

3. Future price impact. The price of parking spaces is not static, and will follow the market, and there will be potential price increases or price reductions. Moreover, so is the rent price. However, judging from the current development trend of science and technology, the author does not think that the parking problem will be greatly improved in the next 20 years.

With the continuous upgrading of intelligent driving technology and basic communication technology, intelligent driving of automobiles may really be realized in the next 20 years. What is technically feasible is that there may not be so many cars on the street, and it is not even necessary to own a car. Vehicles can be on call. If we consider it from this perspective, it is still based on rent.

Nowadays, urban land resources are increasingly scarce. Basically, new residential areas will set up underground parking lots. The location directly below each building is not enough for the owner of the whole building to park. So when buying a house, you should also consider the parking space of the car. There are two options for parking spaces in the community. One is to rent parking spaces purchased by other owners, and the other is to buy them directly.

This is also the problem that the subject is facing now: If the parking space is 1.5 million, if it is rented in 300 yuan every month, how to choose it? For this problem, we can calculate an account first: renting a parking space in 300 yuan every month is 3,600 yuan a year. In the case of no price increase, only 3665438+0.5 million parking spaces were bought in 654.38+00 years, which is enough to rent a parking space for 465.438+0.5 years. You should know how much the change has been in 465.438+0 years, and the community may be demolished at that time.

Moreover, if you buy a parking space, you need to pay hundreds of thousands at a time, while if you rent a parking space, even if you pay two or three, you only need more than 1000 yuan. From the short-term use, the effect of spending hundreds of thousands is exactly the same-the right to use the parking space. Just spent hundreds of thousands on the basis of obtaining the right to use, and also obtained an ownership.

When I bought my own property, I bought a parking space because I was located in the business district and considered the subsequent parking problem. The bare price is 128000, which is about 135000 when you get the license after landing, and then you have to pay the 50 yuan management fee every month, which is the use management fee in the gate access system. It can only be paid in one lump sum, and loans are not supported.

The parking space I bought (the one next to it hasn't been sold yet, so I use it to park my motorcycle)

Then my neighbor rented a parking space in the parking space next to mine. The monthly rent of 350 yuan, plus management fee, the monthly expenditure on parking spaces is 400 yuan, which is equivalent to a little more per day 10 yuan. If it is shared equally every day, it is almost negligible. However, I bought this parking space myself at the beginning, but I still pieced together hundreds of thousands. I still feel a little nervous when I just bought it, which has a certain impact on my life.

Generally speaking, parking spaces: advantages can obtain the same right to use at a relatively low price; The disadvantage is instability. If the owner of the parking space wants to use it for himself, it is uncertain whether it will be taken back.

Car parking space: the advantage is that the parking space is completely owned, with property certificate (property parking space), which can be bought and sold; The disadvantage is that the purchase takes a short time and costs a lot of money, and the rate of return is very low from the perspective of investment.

In short, the choice of parking spaces and parking spaces mainly depends on personal needs and budget. If you live for a short time or buy a house as an investment, there is no need to buy a fixed parking space, so you can rent it according to your needs. If it is your own long-term property, and as a permanent residence, and there is a demand for cars, you can still buy a parking space if the budget allows. After all, you can sell it if you don't need it, and you can rent it if you don't need it for a short time.

Please pay attention: talk about the car and share more original and exciting content with you! I can't afford to buy a parking space because it's too expensive!

1.5 million parking spaces should basically be third-and fourth-tier cities. Most of the parking spaces in the fourth-tier cities in my hometown are around 1 10,000 yuan, but basically I am reluctant to buy, so I generally choose to rent a car.

For example, in my residential area, the price of a parking space is 80,000 yuan, while the ground parking space is free for the owner, as long as the owner pays the property fee, while the parking space below is 5 yuan for one day, one month 150 yuan and one year 1800 yuan, which I think is acceptable.

Even if I park for 10 years, the parking fee is only18,000 yuan, and I usually grab parking spaces on the ground. The cost that I really need to park in the underground parking lot is about two or three hundred yuan a year, which is cheaper than renting underground parking spaces. As for the 80 thousand parking space in the community, I'm not going to buy it. At least I have to stop for twenty or thirty years before I can go back to my book.

You can calculate your living area. 300 yuan a month, 3600 yuan a year, 10, 36000 yuan a year, 72000 yuan a year. Of course, you should consider the future price increase, but it will take decades to reach150 thousand yuan, so I suggest you rent a parking space cheaper.

If the parking space in the community is limited and you have nowhere else to park, the parking rules in the community are usually first come, first served. If you have money, you can consider buying a parking space, which will save you trouble.

I came step by step, from regret to no regret to regret, and then to no regret. It's a long way.

When we just bought a house, the parking spaces in the community ranged from 85,000 to 1 0,000 (there has been no price increase for five years now), and our conditions are not good. At that time, we had an electric car at home, which was bought with a loan. Old people don't agree to buy a car, but we think we will buy a car sooner or later. No parking space is very troublesome. This is called being prepared. So I bought a parking space and spent 95 thousand. This part can't be used as a down payment, so it's a patchwork to make up enough down payment and then borrow money. Later, I learned that the parking space ratio in the community is 1: 1.5, that is, each household can be assigned 1.5 parking spaces. Where will it be insufficient? The parking fee here is high (the green environment of the community is good), but in fact, most owners have not bought a parking space. What impressed me most was that all the residents in our community had their own groups. People often quarrel because the property is not allowed to drive into the community. The loudest voice is why their cars can't enter their own community. In fact, there are only 8 buildings in our community, and the distance between them is 50 meters. Can you think of a scene where people can't get in when they get on the bus? ) One of the owners said: Are all people who don't agree to enter the community without cars? I also made a smile on my face. Although I regretted buying a parking space at that time, I was still very proud. I said, I don't have a car but I have a parking space. Haha, the strength of the poor.

The parking space is empty, so it is natural to rent it out. At that time, people who rented to the same building at the price of 2400/ year paid 720 yuan management fee every year. Unfortunately, the monthly supply is decreasing from more than 3000. Isn't it good to repay the loan with this 654.38+ million? Even if you manage a fortune, it will be 4000 yuan a year. It hurts to think of this parking space at this time!

I can't stand it for a while. Buy a car! At that time, I thought, even if it is a manual transmission, I will buy one. Fortunately, my parents supported us by tearing down the old house and bought an automatic gear. I'm ashamed. I'm still gnawing at it in middle age. I won't talk about the car model. Although some people say it's "the cover in the cover", it's still my cuteness, haha! There is a free parking lot in front of our community, which is not big and can't park twenty or thirty cars. Of course, this is not enough. There are many tall buildings and parking spaces nearby. At night, there are cars on the road, even parked at the gate of the community. Once riding an electric bicycle out of the gate, I was almost hit by a car, because parking formed a dead corner between people and the road. At that time, I felt that parking was harmful to others and myself. I just want to ask those who have cars why they can't buy parking spaces. Not without it!

After a while, the parking was naturally taken care of, and the traffic police began to post tickets. People have no choice but to unite to the property theory and ask for renting parking spaces. There is such an operation! Regret it again. I knew I wouldn't buy it!

Later, it may be that the car rental price is relatively high, or some people realize that they want to live here for a long time. It is quite convenient to have a parking space, and people have begun to buy parking spaces one after another.

In short, the suggestion to the landlord is, consider your own needs, will you change rooms in the future? If the environment and property here are good and you plan to live for a long time, then buying early has the advantages of buying early. You don't have to choose in the future, you may not be able to buy a parking space near your home.

It depends on which area you are in. If you are in a big city, personally, 1.5 million is very cheap.

But imagine that 1 time has posted 100 yuan and150,000 yuan. How many times can I post it?

Suppose it is twice a week 1, once a year 104, once a year 10400 yuan.

1.5 million can be posted by the traffic police for almost 1.5 years.

At present, there are no property certificates for parking spaces in many communities, so it costs 1.5 million yuan to buy them at one time (the tax and monthly management fee you have to pay when you trade have not been considered here), so it is better to let the traffic police post them.

What tax do I have to pay to buy a parking space?

As the buyer, buy a parking space 15000 yuan, and the deed tax is 15000 3%=4500 yuan; The transaction service fee is calculated according to the standard parking space, 2.5m 5.3m 3 yuan /=39.75 yuan; Stamp duty 65438+ 0.05% of RMB 50,000 Yuan = 75 yuan; Registration fee, 550 yuan.

The total tax payable by the buyer exceeds 5000 yuan.

The author's residential area is located in a third-tier city on the southeast coast, and the monthly parking space management fee is 70 yuan. The management fee to be paid in 15 years is 70 yuan/month1February 15 = 12600 yuan.

6.5438+0.5 million yuan to buy a parking space, the total expenditure for the first time is 6.5438+0.67 million yuan.

How much does 15 cost, assuming that the monthly rent in 300 yuan does not increase?

The rent is 300 yuan/month 12 months15 = 54,000 yuan. Management fee 12600 yuan. The total expenditure in the previous 15 years was 66,600 yuan.

Obviously, renting is more cost-effective. However, we should pay attention to the problems of rent increase and management fee adjustment in the later period.

One parking space in the community 1.5 million. Whether to rent or buy, we should not only look at the current economic account, but also look at the parking space ratio, surrounding facilities and the value-added trend of parking spaces. If you calculate an economic account, it is better to rent a parking space than to buy a parking space.

I bought a parking space 1.5 million yuan, with a service life of 40 years and an annual cost of 3,750 yuan, with an average monthly cost of 3 1.2 yuan, which is similar to the current rent.

If you rent a parking space, you only need to pay 300 yuan a month, and you can buy bank financing of 6.5438+0.5 million yuan (annual interest rate of 5%), with an annual income of 7,500 yuan and a monthly income of 625 yuan. Buying a parking space is 6.5438+0.5 million yuan, which can not only rent a parking space, but also make a net profit of 325 yuan per month.

It seems that renting a parking space is definitely better than buying a parking space.

However, this is not the case. In first-and second-tier cities, especially in the central area, the parking ratio is much lower than 1: 1, and some communities may only have 1: 0.5, that is, a family has only 0.5 parking spaces.

Nowadays, there is not one family car in the city, but many families have two or three.

Therefore, parking spaces in some communities are simply not enough. First, parking spaces can't be rented out. Second, there is no parking space after paying the rent. At this time, buying a parking space shows an advantage. Moreover, the transfer price of parking spaces in these communities is also constantly improving, and some even double. Hundreds of thousands of parking spaces are normal.

Therefore, it is suggested that parking spaces should be purchased when the parking space ratio in the community is lower than 1: 1.

Buying or renting is no longer a question of calculating economic accounts, but a question that directly affects the convenience of life and happiness index.

Besides, sometimes it is troublesome to park your car on the side of the road, get damaged or get a ticket.

At present, due to the relatively low parking spaces, the value-added trend of residential parking spaces is good, and many people even buy several parking spaces for investment, making a lot of net profits. In this case, do you think it is better to buy or rent?

However, there are exceptions. If the parking space in the community is tight, but there are large public parking lots, commercial parking lots and other supporting facilities nearby, renting is also a good solution.

I have experienced this problem first hand. I rented a parking space in my community for 3000 yuan a year. When I rented it, he wanted to sell it to me at the price of 1.3 million.

I calculated an account carefully. Do you think my calculation is correct?

I only rent 3000 yuan a year,130000 is equivalent to 43 years. 43 years have passed, and now there is no parking space market. Even if it goes up, it won't be too bad. But it is possible for me to put this130,000 into the snowball business with good market at present. After 43 years,130,000 yuan will be doubled 100 times.

So I chose to rent a car. I like money to be alive, rather than buying a parking lot as an unimpeded fixed asset.