利率和租金变化对房价的影响

gelster · 发表于 2014-5-31 06:25:54

本帖最后由 gelster 于 2013-7-2 21:06 编辑
假设你的房子每年净租金收入是50000，如果你的融资成本从7%一年下降到5%一年，房价的合理涨幅大约为50000/0.05-50000/0.07=285715 (40%), 如果租金在同期上涨了10%房价涨幅约为55000/0.05-50000/0.07=385715 (54%)
认为目前房价上涨过快或过慢的童鞋可以参照以上公式和最近几年的租金利率变换情况作出大致的判断。

West · 发表于 2014-5-31 07:02:59

不应该房价涨租金也涨吗？

laura12345 · 发表于 2014-5-31 08:24:26

any logic behind？

whitecats · 发表于 2014-5-31 09:20:19

buying home should be treated as making a leveraged investment decision. an investment is a capital asset that can produce regular and predictable income over the life of that asset. the income produced from that asset should be greater than your cost of capital otherwise your gearing will produce a loss and that asset can no longer be called an investment. any return that can only be expected from the change of the price of the asset itself is called speculation.

gelster · 发表于 2014-5-31 09:57:04

gelster 发表于 2013-7-3 00:13

buying home should be treated as making a leveraged investment decision. an investment is a capita ...
so to value your investment property you need to know the cost of your capital which is the same as your borrowing rate and the income produced from the property which is your net rental income. i think now it is easy to see why cheap money will always increase the value of the property holding other factors unchanged.