Which investment is more cost-effective, housing, office buildings or shops?

Now the bank interest rate is low and the stock market risk is unpredictable, so real estate has become an effective way for people to invest. However, in the complicated property market, all kinds of houses emerge one after another, and houses, shops and office buildings are attracting investors' attention. What kind of house is more suitable for investment and what kind of house is more cost-effective? Investing in housing: making stable money. There are four purposes for buyers to invest in residential property: first, to seek ideal returns. Although there are many investment channels now, there are not many that are suitable for ordinary people to invest steadily and have considerable returns. Investment in residential property can generally get 8%- 10% income, which is very ideal. 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 real estate 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. When investing in residential real estate, there are several very important points: first, the house is close to shopping centers and public transportation, and the prospects are bright. The second is to estimate your own financial strength. See how much cash you have at home and what you can mortgage. Besides, what will happen in the future is also expected. The third is to determine the investment strategy. Some properties are easy to rent, but there is not much appreciation potential, while others are just the opposite. Fourth, it is necessary to estimate the potential of the invested property. Fifth, strive for the best price. The sixth is to determine the loan. The seventh is to obtain professional management services. Shop investment: There is a saying that "one shop supports three generations", and people think that shops are a very good investment orientation. The lure of lucrative investment in shops has made more and more people feel heartache. 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; Some people also open their own stores; Others invest in old-age care. If you buy a pavement in Wang Di, with the development of the city and the extension of time, its appreciation potential will be even greater. Don't calculate exactly how much you can get in return. Eating and drinking for the rest of your life is the minimum "welfare". Different from other investment projects, shops have two kinds of value-added means. First, it can be subletted, and second, it can be self-employed. If the family is understaffed or has no energy to operate, they can also rent out the shops and charge them rent. Generally speaking, compared with the low interest rate of banks, if you invest in small shops, the rental income is definitely higher than the interest of deposit banks, and its facade appreciation also exists. 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, while the price of second-hand houses will generally not be higher than that of surrounding first-hand houses. As the saying goes, the more shops use, the more they appreciate, and the more they use, the more they depreciate. However, shops are a long-term investment industry with a long payback period, and investors must have strong financial strength and unique vision. Shop investment is a high-input, high-output and high-risk behavior. Although the whole real estate boom is optimistic now, which reduces the risk to some extent, the risk still exists after all. What investors can do is how to avoid risks, or how to reduce risks. At this time, "vision" is the key. The "vision" here is a keen insight, which can have a comprehensive understanding of the store and accurately grasp the market trend. Before deciding the investment target, there are several aspects that must be "looked at": First, understand the land. The quality of lots is directly related to the potential of maintaining and increasing the value of shops. The first thing to care about is municipal planning. Investors must have a deep understanding of the future environment of the store in order to ensure the value of the store itself. The second is to understand the developers. The strength, reputation and experience of developers are directly related to whether the shopping mall can really take shape. Powerful developers can increase investment in the hardware construction of shopping malls and optimize the hardware environment; Good credit can ensure that the promises to the owners are fulfilled one by one; Developers who have had successful experience in developing shopping malls are more familiar with the construction of new shopping malls. The third is to grasp the market conditions. How much a shop is worth depends on its rent level. Before buying, you need to know the rent level of the shops in this lot now and in the next few years before you can calculate whether the current price is reasonable. Investors must also consider the future rent level of the industry to be introduced to determine the size of the store. Office investment: vision determines value. Although the office used for business office has been far away from investors' investment behavior because of its special and exclusive use, with the increasing opportunities in the office market, many small and medium-sized enterprises and individual investors have begun to buy offices like buying a house. Investors' "love" for office buildings has gradually reached a climax in recent years. The one-time investment cost of office buildings is large, and at the same time, due to relative professionalism, a large number of investors often can't really understand the true value of different office buildings in a short time. If it is chosen properly, its income is stable and long-term. Generally speaking, investment in office buildings needs to pay attention to the following aspects: the value-added of real estate in lots mainly comes from the value-added of land, while the main central area of the city is limited, and there is more room for value-added Whether it is located in the future CBD area of the city is the first choice to measure the grade and investment value of an office building. Therefore, the famous investment saying "the first is lots, the second is lots, and the third is lots" must be kept in mind. Grade investment in office buildings should aim at the customer base to invest. The primary purpose of choosing an office building is to enhance the corporate image. 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. For example, 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, good lighting and ventilation, etc. All need to be compared, observed on the spot and felt on the spot. The soft support and property management in information configuration and intelligent configuration are emphasized. Basic analysis indicators include building automation system, external broadband access, internal integrated wiring, GSM indoor coverage, configuration degree and variability of network system, and so on. The quality of property management is a crucial factor to determine whether your investment can maintain and increase its value. First of all, it depends on the brand and social reputation of the property management company. The threshold of home ownership and return on investment determine the size of investment. Whether it can be purchased by bank mortgage, you only need to make a down payment, and then you can pay the house price by means of "renting and raising loans", that is, "let the rented enterprise pay the house price for you". After a few years, you can enjoy high rental returns for decades. Therefore, it is necessary to investigate the property rights of office buildings, the existing occupancy rate, and the categories and levels of companies that have settled in.