Without cash flow, everything is vain.

Editor’s note: This article is from the WeChat public account “dimensional small vitamins” ( ID: Weixiaowei6), author Wei Xiaowei.

I recently met a 30-year-old girl at an offline event.

She just rushed out to fight Taobao, and now she has been working for 10 years. It’s amazing, it’s already a proper female landlord.

However, the female tyrant’s favorite thing to do, no him: buy a villa.

Under the chat, she was uneasy when she earned a bucket of gold in the first 10 years, and then went to buy a villa after a friend introduced it.

But because the villa is too big, it can’t be rented out, and it’s dusty now.

This is not a big deal. Every month, you have to pay a lot of maintenance fees, and it’s still a few thousand.

When Taobao’s business was not very good in the past few years, I really felt that I was living very embarrassed.

I asked her: “So why don’t you consider selling it?”

She is blind and sold? This seems to be something I never thought of.

Every brick and every tile is her hard-earned money, and it has finally turned into bricks and tiles. Now you make me change back to money? ? ? ! ! !

I am also blind. Why is such a business-savvy young lady who has drilled a horn on the matter of buying a house?

At that moment, I can’t help but think of a very sharp contrast.

A friend who had 10 years of experience as a broker recently told me, “Prepare to sell two houses in Shanghai all in the stock market.”

I was shocked at the time.

The two houses in Shanghai are worth 20 million, which is definitely not a big deal! But the stock market is now in a state of confusing, really worth all in the whole family?

I was so scared that I quickly picked up the small books and prepared to record the stocks of others.

He laughed and laughed, and there was no stock speculation. Buying stocks or buying a house seemed like a multiple-choice question. It was essentially a judgment question.

This judgment question is basically the following two small judgments:

  • ICan a house bring cash flow?

  • Does cash flow compare to other investments?

Well, a word awakens the dreamer.

These two thoughts should be a prelude to buying a house that you are not familiar with.

First of all, let’s judge the “big wilderness” of the female local tyrant. Can it really bring cash flow?

I counted the number from the left and I really couldn’t find it.

It’s good to have an aunt to clean up. It’s all the local tyrants. How can I pay for the property management fees? I haven’t said the real estate taxes that local tyrants can appreciate.

These are all negative cash flows.

The “rent” that can bring positive income is not acceptable.

In fact, the house is a good place for the past 10 years, but it is not so good in terms of cash flow.

Look at our north to Guangshen, the rental return rate is better than buying the balance.

And this is still a statistic for all types of homes. Think about the occupancy rate of luxury homes. I have already felt a chill coming from the back spine.

↑Data Source: Graphical Finance

There is no cash flow, everything is vain.

Our investment is nothing more than financial freedom. To put it bluntly, there is no need to work and eat.

If you can’t get the money every month, it’s like you didn’t get the salary when you worked. It’s a little panic when you hold the real estate license!

Maybe at this time, the female local tyrant will raise the little eyes of the arrogant and said: But I will sell it, the villa can still be sold!

It is true.

But when I seriously evaluated her assets, I felt particularly bad.

The three sets of villas are located in Fangcun, Guangzhou, and they are worth 30 million regardless of how they are converted.

This 30 million is almost 90% of her assets.

The expression of the academic language of the right child is: the asset class is too concentrated. There are too few assets to live.

The translation of the kindergarten-level vernacular is: the eggs are all in one basket, and the eggs are not responsible for hatching the chicks!

Look back and look at the old driver who is willing to sell a house to buy shares. Why do you want to make such a “safe feeling” idea for the Chinese?

I guess he must have counted such a bill very clearly.

Buy a house, it is an investment, it is an investment.

Replacing money into stocks is an investment, and converting money into real estate licenses is also an investment.

It depends on who has exchanged enough cash flow.

In the past 10 years, the increase in house prices has been quite amazing. It’s so easy to double up and double in the north.

↑Data source: the forefront of the property market

After the people Xu Jinglei said “Qi Yu said”:

“What is the most valuable thing?” “House.”

It’s just a rush, not to hide it.

However, I don’t even know Xu Jinglei, why the house can make you rich and ruined with a dusty real estate license.

One of the most fundamental reasons – because of mortgages.

After 10 years ago, a set of 100 square meters of residential buildings in Guangzhou was at most 1 million. As long as the down payment was 300,000, it has risen to 3.3 million today.

300,000 to 3.3 million, loan for 30 years, even if the interest and principal of repayment of loans are reduced, the annual return exceeds 30%.

If you bought the one million yuan in the original, the whole situation has changed, and you have a multi-year return.