Of course, different shops have different situations.
We can adopt two formulas to calculate: formula 1: it is mainly suitable for one-time investment and does not require loans.
The calculation formula is: (monthly after-tax rent-monthly property management fee) × 12= annual rental income, and the total price of shops purchased by annual rental income = annual return on investment.
On the contrary, the annual rental income based on the total purchase price of shops = payback period of investment.
Formula 2: It is mainly applicable to the income calculation of loan investment.
The calculation formula is: (monthly after-tax rent-monthly mortgage-monthly property fee) × 12= annual rental income; Annual rental income (down payment+mortgage loan) = investment return period.
Conversely, annual rental income (down payment+mortgage loan) = annual return on investment.
Of course, investment is to make money.
We should also fully consider all kinds of expenses.
The calculation formula of investment income listed above is only for the main income and expenditure. In addition, there are some possible and necessary expenditures that must not be ignored.
The first expenditure is the purchase in the early stage of the store. For example, the deed tax payable for the purchase of the store is 3% of the total house price and twice the deed tax of the commercial house.
The second expenditure is that the cost of water, electricity, gas, heat and property management in the later use of shops is paid according to the commercial municipal standards, which is much higher than the standard of ordinary houses.
Therefore, when calculating the investment income of shops, we must fully consider the above expenses, so as to calculate a more real return on investment.
Extended data:
return rate
With the suppression of the national policy on the property market, more and more people have turned their attention to the investment in shops. In fact, not all investment in shops is a steady business, so it is necessary to carefully calculate the return on investment of shops before investing in shops. How to calculate the return on investment;
1, rental rate of return method
Formula: (after-tax monthly rent-monthly mortgage payment) × 12/ (down payment+forward mortgage payment). Advantages: Considering the rent, price and the main investment in the early stage, it is more applicable than the rental return analysis method, and can estimate the length of the capital recovery period.
Shortcomings: Time effects of other inputs and funds in the early stage are not considered. Can not solve the cash analysis problem of multiple sets of investments. And because of its inherent one-sidedness, it can not be used as an ideal investment analysis tool.
2, rental yield analysis method
Formula: (monthly after-tax rent-monthly property management fee) × 12/ total purchase price. The greater the ratio calculated in this way, the more worthwhile the investment.
Advantages: Considering the rent, house price and their relative relationship, it is a simple method to choose "excellent real estate".
Insufficient: Not considering all the inputs and outputs, not considering the time cost of funds, so it cannot be used as a comprehensive basis for investment analysis. Cannot provide specific analysis for mortgage payment.
Baidu encyclopedia-shop