vitamin cash - all about REITs

投資房產負現金流迷思

investfuture
Publish date: Fri, 12 Dec 2014, 08:56 AM
investfuture
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all about malaysia, singapore reits
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朋友H早前买入一间位于吉隆坡的公寓，这project总共有4000+ unit，分三个phase完成。

最近phase 1的屋主顺利拿到锁匙后，纷纷在internet上出售/招租，让uncle看了不禁汗颜，因为

  • 只是在12月11日今天，在mudah.my就有181个招租广告，虽然说unit有可能重复，可是，这也未免太多了吧，最低租金要求为RM950
  • 出售广告稍好，12月11日今天有8个出售广告，最低售价为RM400k
  • 以租金RM950除以售价RM400k，ROI只是2.85%
根据朋友H给我的资料，当初phase 1的出售价为RM280k-RM300k左右, 如果说购入价RM290K,贷款90%，以BLR-2.3%计算，installment大约为RM1330。可是大家可别忘了，condo可是要付maintenance fee，而这condo的收费为RM0.15/sf，以950sf计算，大约RM140。

Installment + maintenance = RM1470，相比起现在的租金RM950，屋主大约要贴RM520per month，这还不包括门牌税等等其他费用呢。

如果现在你以RM400k购入，每个月installment大约为RM1800, 加上maintenance减去租金，每个月必须倒贴将近RM1,000大洋，一年RM12,000~

这个投资还能被称为资产吗？每月RM1000的负现金流可不是开玩笑~

朋友买入的unit是第二期，而购入价格为RM350,000 看来要守一段时间了，难道这就是房产"住套房"？

現在要在房產找吃，難度很高。

p.s.如果朋友H看到这文章，请多多见谅~

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Discussions
2 people like this. Showing 6 of 6 comments

bgoon99

想要买房要谨慎和不要太贪,千万别给抄家和地产商所制造的好消息和赚钱假象欺骗了....

2014-12-12 11:18

90754248

But people still buy

2014-12-12 12:14

klsetitan

The properties prices are too high for d past 2-3 yrs until now, it's not suitable for investment anymore, in fact was d best time to unload...Those who blindly buy into properties for investment will suffer..

2014-12-12 13:16

90754248

Author missed out the loan tenure but from the installment amount, it should be 30 years

2014-12-12 17:31

hsteoh56

buying property 4 investment is history.

2014-12-12 21:34

nwedb12345678

40 to 60% buyer between 2012 and 2014 will face bankrupt.

2014-12-15 10:58

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