Hello dear readers of the financial magazine "RichPro.ru"! Today we will continue the conversation about ways to invest (investments) in real estate, which have their pros and cons.
You will learn from this publication:
- What are the advantages and disadvantages of this type of investment;
- Different options for real estate investment;
- Features of investment in construction;
- How to start investing with a small amount of free funds.
in addition, at the end of the article you will find answers to frequently asked questions.
I will like the article and it will be useful as a topic, who is just looking for ways to invest their own money, and experienced investors. Don't waste time, start reading. And maybe, in the near future you will take the first steps towards a successful real estate investment.
What are the main advantages (+) and shortcomings (-) real estate investment, in which real estate it is better to invest your money, What are the ways to make a profit from this type of investment - and read more about it
1. Pros and cons of investing in real estate - the main advantages and disadvantages
Every adequate person thinks about profitable investments. Importantly, that investments save money from the harmful effects of inflation. It is desirable, to make the invested funds work, brought additional income.
Investment instruments will help to achieve the above goals, used for a long period of time. This is important, so that they have minimal risk and are very promising. That's what they are real estate investments.
The need for human housing arose many years ago and remains to this day. It will not go anywhere in the future. Therefore, real estate always will be in demand, so, she is a great tool for investing money.
More, such investments are a perfectly acceptable option for doing business. It is not necessary to have huge sums of money for this. You can invest in real estate at the initial stage of construction. in addition, there is an opportunity to become a member of a housing cooperative, buying a share in it.
As with any other financial instrument, real estate investing is like pros, and cons.
Among the benefits (+) this type of investment can be distinguished as follows:
- real estate has high liquidity;
- long-term profitability, example, renting out the purchased real estate, you can make a profit for many years;
- relative availability of investments;
- wide choice of options for investment.
Despite the significant benefits of investing in real estate as they are all existing investment options are at risk.
The main disadvantages (-) there are such investments:
- demand for real estate is quite dependent on the economic situation in the country as a whole and the region in particular;
- real estate prices are quite high;
- in small towns the demand for real estate is quite low;
- high additional costs - utilities, repair, taxes.
Moreover, there is an opportunity force majeure. It happens, that the price of real estate falls sharply due to insurmountable circumstances. Example, apartments in an environmentally friendly area are cheaper, if a factory or a highway is built nearby. As a result, the investor not only will not earn anything, but it is possible to lose part of the money invested.
To avoid most problems, it is important to spend until the moment of investment preliminary analysis. It compares possible investment options and examines various factors and circumstances, which may affect the value of the property.
Popular options, where it is profitable to invest
2. Which real estate is profitable to invest money in - 8 popular options + comparison table
Experts in the field of investment believe, that real estate investments are much less risky, than trading on the stock exchange, investing startups and businesses. The reason is simple: real estate is rarely cheaper.
It is best to invest in large cities. This is especially true for residential premises. There is a direct relationship: the larger the city, the more profitable it is to invest money in real estate. This fact is related, first of all, with the difference in liquidity on it in different cities.
But it is important to understand, that in each locality you can find your own real estate for investment. To get the maximum profit, it is necessary to conduct a thorough analysis of all existing areas and choose the most profitable of them.
Version 1. Residential real estate
This option is most accessible to private investors. The risk of investing in residential real estate is minimal.
There are two ways to earn money by buying a home:
- purchase for further resale at a higher cost;
- purchase for renting.
In any case, buying an apartment, it is important to pay attention to such criteria:
- location - in the prestigious, dormitory or student area, environmentally friendly, remote from the city center;
- premises planning, including the presence of a balcony, combined or separate bathroom;
- apartment - availability and quality of repair;
- infrastructure - how far are kindergartens, schools, polyclinics, public transport stops, shops.
In general, for the country can mean any, even, it would seem, insignificant criterion:
- view from the window;
- floor;
- neighborhood;
- contingent of the location area.
To buy an apartment or other residential property) the most profitable, she will have to look for independently, without the help of a realtor. However, it is important to check the purity of the agreement. About that, how to do it and what you need to know when buying an apartment in the primary and secondary housing market, we told in the last issue.
Version 2. Commercial real estate
This option is for more experienced investors. Small offices and retail space are suitable for such investments, and large buildings, designed to accommodate warehouses, supermarkets, production shops.
Such premises are invariably in great demand. A huge number of businessmen are looking for space for business and are willing to pay rent to their owner. Tim, who acquires commercial real estate, it remains to regularly make a profit from their investments.
Rent is a classic option for passive income. The investor's profit in this case does not depend on the time spent on work.
It is useful for the investor to know, that when choosing a commercial real estate as an object of investment, you need to have a fairly large amount of money. Contributions in this direction usually begin with five—seven millions of rubles.
Version 3. Ground section
A smaller amount of money is required to purchase a plot of land, than to buy an apartment or commercial real estate.
There are a number of benefits to investing in land:
- the minimum level of probability of fraud;
- no need to make repairs;
- lack of payment for utilities;
- the purchase procedure is simpler, than for other real estate;
- relatively low taxes;
- simple design;
- there is no need to seek the help of realtors.
All land plots can be classified according to the purpose of use. Areas are the most suitable for short-term investments with minimal costs, used for construction. Longer-term investments should be made in the ground, intended for use in agriculture and industry.
But there is also shortcomings investing in land. Firstly, the state tightened control over it, that the land be used in accordance with its purpose. in addition, taxes on this type of property have recently been raised.
Version 4. Country real estate
Buying suburban real estate for resale is stable profitable occupation. This is especially true for large cities for this reason, that more and more often their inhabitants want to settle or have the opportunity to rest as far as possible from city noise and dirty air.
There are several options for investing in suburban real estate:
- acquisition of facilities under construction;
- investing in ready-made cottages;
- purchase of land, intended for the construction of suburban real estate.
The prospects for investing in suburban real estate are increasing over time. But when choosing an object to buy, you should pay attention to its location, available infrastructure and communications. Other factors may be important, important for creating comfortable living conditions.
Version 5. Real estate is under construction
Another investment option is to invest in facilities, real estate under construction (new buildings). Though, that the risk of such an option is slightly higher, but you can get much big profits.
The reason for this is very simple - a property under construction costs much less, than in the secondary market. Therefore, if you invest money at the initial stage, after the construction of the price, probably, much will grow. As a result, the investor will receive a significant profit.
Risks when investing in real estate, under construction is most often associated with the developer. If he is unreliable, increases risk occurrence of the following situations:
- untimely commissioning of real estate;
- complete freezing of construction;
- in case of illegal construction or lack of permits, complete demolition of the building is possible.
That is why, before investing in real estate, under construction the investor needs to conduct a thorough analysis of the developer.
It is important to study not only the company's reputation, but also the following characteristics:
- the existence of the firm;
- the number of completed and commissioned facilities;
- there have been downtimes in the construction process in the past, their duration and causes.
Other real estate investment options
The above investment options are the most popular. There are other ways, which are no less promising, and therefore also deserve attention.
Version 6. Investing in parking spaces
This type of investment is relevant for large bridge. Amount, which is required for investment in this case is relatively small. Drivers always need parking spaces, therefore, the demand for their rent is not exhausted.
Moreover, fines for parking in forbidden places are constantly increasing, cars were increasingly taken away by tow truck. Therefore, parking will always be in demand. However, it is difficult in this case to predict potential income, as statistics on such investments are not available.
Version 7. Participation in real estate funds
I mean purchase of shares some fund, investing in real estate.
The advantages of this method of investing are as follows:
- real estate is not registered in the property of the investor, which is often very convenient;
- professionals are directly involved in investments, in which a certain base for investing funds has been developed;
- high degree of diversification.
The above advantages allow the investor to be confident in the high return on investment.
Version 8. Investment in foreign real estate
Investing in real estate, located in other states, usually considered a guaranteed way to invest. Example, residential real estate is rarely cheaper regardless of its location. Moreover, it can be considered as an option for future relocation. That is why most experts consider such investments a very profitable option, not devoid of prospects.
Summing up, summarize the above methods in the table, excluding additional options, for which there are few statistics. This will greatly simplify their comparison.
Comparative table of options for investing in real estate
| Version | Profitability level | Features of investing |
| 1) In residential real estate | High About Thirty—Sixty-five% for 3-5 years | When buying a property for rent, you should expect a long term |
| 2) In commercial real estate | High | Investments should be made for the longest possible period |
| 3) Into the ground | Average | Minimum taxes A simpler purchase scheme |
| 4) In suburban real estate | High | Profitability is highly dependent on location and infrastructure |
| 5) In real estate, under construction | High from Twenty five—Thirty% for the duration of the project (stage of the pit before putting the facility into operation) | Quite a high risk of losing money if you choose the wrong developer |
From the table it is visible, that real estate investing is long-term investing money with a fairly high return. About other ways, where you can invest money, to earn, we told in one of the previous articles.
Profit schemes (ways) real estate investing
3. Investing in real estate - TOP-18 ways to invest money
Investing money in real estate, you can earn income in many ways. Some of them are obvious, others are not familiar to everyone. Let's try to systematize the maximum amount of information about possible options for earnings.
3.1. Investing in real estate in order to earn income from renting it out, — 12 ways
One option is to buy a property and rent it out. However, there are several ways to generate income.
Way 1. Buy an apartment, to lease it
This option is the most popular way to make money by investing in real estate. It will not be difficult to rent an apartment, after all, there are many who want to rent housing. Importantly, what you can earn on relatively inexpensive real estate - rooms in a dormitory or even an apartment. By the way, about how to earn an apartment, read in one of our materials.
Plus such a way is that, that there is no need to make much effort. It is enough to choose the right residents, sign a contract with them and receive money every month.
However, this method is also significant cons:
- low profit;
- if you buy an apartment with a loan, it is unlikely that the rent will cover the mortgage payment.
Such disadvantages do not matter, if you did not have to invest in the apartment, example, when inheriting or privatizing. If you buy real estate, so she will pay for herself for a very long time.
Way 2. Purchase of an apartment for daily rent
This way of making a profit from real estate investments is more profitable. However, it requires a lot of effort: you will need to show the apartment almost every day, evict and resettle new residents, clean up, wash bed linen and towels.
When renting an apartment, it is important to choose the right residents. Best of all, if they will tourists or business trips. Such categories of citizens rent housing for a longer period - up to several weeks, as it is in any case more profitable to stay in a hotel. Usually such residents behave calmly, and there are no problems with them.
Rent an apartment for young people, who wants to have fun, less desirable. This threatens the complaints of neighbors, spoiled furniture and repairs, smoke from tobacco smoke in the apartment.
If the investor decides to rent an apartment, you can advise him take bail in the amount of the cost of living. This will be insurance in case of damage to any property. It will also be useful to make a copy of the passport.
The advantage This way of investing is a higher level of return.
Among shortcomings can be called:
- the probability of damage to furniture and other property;
- the need to often show the apartment, populate and evict residents;
- you need to regularly clean and wash.
Way 3. Purchase of an apartment with subsequent hourly rental
Experts call this method of renting the most aggressive. At the same time he is able to provide maximum profit.
In this case, residents will have to be resettled and evicted several times a day. Therefore, it is desirable to live or have an office next to the rented apartment.
It is important to be prepared for that, that neighbors may begin to make claims about it, that strangers are constantly walking here and there on the site.
There are several benefits this method of renting:
- high profitability;
- with properly organized advertising there is a chance to rent an apartment almost around the clock.
However, there are a number shortcomings of this option:
- permanent settlement of dubious individuals can lead to property damage;
- it is necessary to be near the apartment all the time, to carry out regular settlements and evictions;
- dissatisfaction of neighbors;
- too frequent change of bed linen, as well as cleaning.
Way 4. Buying an apartment to organize a hostel
Hostel - Budget type of hotel, which is a rental bed in a comfortable apartment.
It is mandatory to have a quality renovation and all the necessary amenities for living. At the same time can be located in the apartment 10-12 beds. Most often, this option is chosen by people, who came on a business trip, and tourists.
Those usually stay in hotels, who needs to spend the night somewhere, but you do not want to overpay for an apartment or a hotel. Prices here are much lower, than with other rental options. They start from Pyatsot rubles.
Advantages investing in hostels:
- high income, if it was possible to provide permanent residence of clients;
- even if some places are not inhabited, the owner of the hostel will be in the black because of the large number of beds.
Cons hostels:
- at the initial stage you need to make a chic repair, which should be maintained at the appropriate level;
- the cost of bunk beds;
- possible claims from neighbors;
- will have to spend a lot of time advertising, settlement, cleaning;
- to be able to settle business trips, will have to register a sole proprietor, as they need documents for reporting.
And more, Unfortunately, not so long ago the law came out, which prohibits the arrangement of hostels in living quarters. So, that the activity was legal, will have to buy a commercial property.
Way 5. Lease of the purchased townhouse
Townhouse is a European housing option, distinctive features of which are low number of storeys and maximum comfort of living.
in addition, this type of housing is located far from densely populated areas of the city, there are few neighbors here. Most often located near the town settlements, the outskirts of the city, forests.
Renting townhouses is separate from renting apartments, because it has its own characteristics. This option can combine daily, hourly and monthly rent.
Advantages there is such a way:
- the possibility of settling tenants of high social status;
- if desired, the housing can be redesigned, divided into studios, and thus increase the number of simultaneous tenants.
Among cons you can highlight that, that the demand for such real estate is much lower. Therefore, residents will have to look longer than usual.
Way 6. Investment in a cottage or country house for rent
Owners of country houses and cottages rarely have problems with income from such real estate. You can rent them every month, and daily. It is important when renting for a long time, so that the distance to the city was small, and convenient transport links.
Investment in suburban real estate (cottage, private house, dacha) for further lease
If the cottage is large enough, you can take only part of it. In the second half, the owner can live alone. Frequent cases, when the property is rented only part of the year. Example, in summer the owners live in the cottage themselves, and in winter it is handed over.
An excellent option for renting a cottage - on New Year's holidays. At this time, the excitement at the venue does not subside. Many large companies dream of celebrating the New Year in a cozy cottage, located in a beautiful place. You can also consider the possibility of renting a cottage for corporate events.
Pluses such an option of earnings is available:
- stable high income;
- the ability to choose from a large number of options - from renting part of the cottage to rent only on holidays.
Disadvantages rental cottages can be called:
- the need for location in close proximity to the city;
- availability of quality access roads.
The most popular are small cottages area to 100 sq. m. Owners of much larger premises can be advised to rent them in parts. But here you should provide separate entrances to the building.
Way 7. Acquisition or construction of an apartment building and its lease
Those, who has significant sums of money, have already assessed the possibility of investing in apartment buildings. And it is quite real to organize such an option here to make a profit, when absolutely all apartments are rented out, located in the house.
The capital required in this case is quite significant. But you can also save, building budget housing, for example with LSTK (light steel thin-walled structures). in addition, you can increase the number of apartments, if the whole house is divided into studios, which are also in great demand.
The maximum profit can be obtained in that case, if you find a building plot for a house with a convenient location.
Pluses This type of investment option is a great income. At the same time, significant monthly incomes are guaranteed even with incomplete occupancy of the house.
Among shortcomings we can highlight the following:
- huge initial investment;
- it is often not possible to find a plot of land for construction quickly enough.
Way 8. Investing in foreign real estate for guaranteed rent
Many believe, that the foreign real estate market is more reliable and profitable. Therefore, it attracts various Russian investors from small to large.
Investors often have questions, how to safely rent real estate abroad, living in Russia. The simplest option - concluding a guaranteed lease agreement with the management company (KK), in the role of which can be as developers, and independent firms.
The contract for real estate management prescribes the cost of maintenance, as well as other obligations of the Criminal Code - from the payment of utility bills to the subsequent lease of real estate.
The most favorable conditions are offered in France, because this is the way it originated.
The essence of the mechanism is as follows:
- investor buys real estate;
- the apartment is being renovated, furniture is bought;
- a subsidiary of a construction company rents out an apartment;
- the investor receives a commission, which make up from 3 to 6 interest on the value of the apartment per year depending on the location of the property.
The advantage of this method is that, that the investor does not need to search for residents. All organizational aspects are also taken over by the management company.
Types of real estate, which are available for purchase abroad, differ in variety. You can buy it here:
- villas;
- mini-hotels;
- apartments;
- apartments by the sea;
- apart-hotels.
If you invest in real estate, located in resort areas, you can be sure, that will not be empty. More, the value of such real estate is often much lower, than in major Russian cities. A particularly significant difference is observed in comparison with Moscow.
Among pros this type of investment can be called:
- reliability;
- prospects;
- the possibility of investing in any category of investors;
- in the case of a guaranteed lease, you can receive passive income. Which is often higher, than when renting out other real estate.
Among difficulties can be distinguished:
- the need for fluency in foreign languages;
- will have to visit the country at least once, in which it is planned to purchase real estate;
- it is difficult to find information about the legal and legislative features of foreign countries.
Way 9. Purchase of rooms in apartments in Russia and its subsequent lease
In the real estate market in Russia, apartments are gradually becoming more popular. They are very similar to ordinary apartments with a finished interior. in addition, Concierge services are provided here, food delivery and more.
To pros such investments belong:
- lower cost compared to apartments of similar size;
- high level of hotel service;
- usually highly developed infrastructure. Fitness rooms are often located in the building itself, restaurants, Cafe, beauty salons;
- apartments can be rented through the management company, the investor will not have to resettle the residents himself.
Among shortcomings apartments can be distinguished as follows:
- low degree of regulation in legislation;
- the apartments have the status of non-residential premises, therefore it will not be possible to issue a residence permit in them;
- offers of apartments on the market so far are few.
Way 10. Acquisition and subsequent lease of non-residential commercial real estate
A separate point of investing in real estate is the purchase of commercial space. It can be a warm or cold composition, production facilities, premises in shopping and office centers, non-residential premises in residential buildings, plinth, basements and other facilities.
Investments in such real estate are popular because of the high demand for it. A huge number of businessmen are looking for new areas for business every day. Their needs are different: one needs premises with high passability, others - with low rental costs.
Pros investments in commercial real estate:
- stable income;
- you can reduce rents for a while, to keep tenants;
- variety of delivery options, example, in parts;
- dependence of profit on the size of areas, which can be hundreds and even thousands of square meters.
Among cons комерційної нерухомості як об’єкта інвестування можна назвати:
- difficulties in finding tenants for large areas;
- in crisis situations there may be problems with renting.
Way 11. Redevelopment of the premises and division into separate isolated fixed objects of smaller area for further lease
This method is based on the creation of several isolated residential real estate on the area of one room. In other words, investor, having a one-room apartment, can divide it on 2 studios. In result, the profit from renting out in comparison with letting without changes increases at least one and a half times.
Apartments with one are suitable for redevelopment, two, three rooms, as well as townhouse cottages. There may be difficulties in legally conducting such activities. Yet, they can usually be solved.
Advantages this method is to increase profits by creating several isolated rooms.
Disadvantages are the need for redevelopment and technically complex repairs, as well as in agreeing on changes.
Way 12. Buying a garage, box or parking space for rent
This option is suitable for investors, who want to invest in real estate, but do not have a large amount of money.
Most often buy garage boxes, parking spaces, including underground, as well as garages.
The advantage this method has a low level of price input. In some regions, it is enough to have about three hundred thousand rubles to purchase such real estate.
Significant disadvantage there is low profitability.
3.2. Investing in real estate for resale - 5 ways
Earn, investing in real estate can be not only for rent, but also for sale. There are several ways to do this.
Way 13. Acquisition of land for resale
This is one of the easiest ways to invest. It is enough to buy a plot of land, wait for the price to rise and sell. You do not need to invest a lot of money and effort to maintain it.
In addition to resale, you can build a house on the purchased land, house or cottage. After that you can real estate sell or to rent.
Advantages such an investment option is available:
- a large selection of land for various purposes;
- if further sale is planned, you need to make a minimum of effort.
Disadvantages are manifested, when land is purchased for construction. In this case, additional effort and financial costs will be required.
Way 14. Buy an apartment at the time of construction, and when the house is put into operation, sell
In this way, real estate (most often apartments) purchased in the early stages of construction.
At the same time options are possible:
- buy real estate at the beginning of construction, when there is only a pit or lower floors;
- invest in later stages of construction.
There is a direct relationship. The earlier the property is purchased, the greater the profit you can get after putting the house into operation. In some cases, the investor's profit reaches to 45-50% and more. But to get such income, the apartment must be bought at least a year and a half before construction is completed.
It is important to take into account the high risk of unfinished construction, which is typical for our country. The chance of being left without an apartment is quite high. Therefore, the safest and fastest way to make a profit is possible, buying an apartment in the final stages of construction.
Advantages the considered method is:
- no need to search, settlement and eviction of residents;
- income is closer to passive - just buy real estate at the construction stage, and when it is ready, sell;
- profit is quite high, as real estate and materials are constantly rising in price.
The disadvantage this option has a fairly high risk of unfinished construction.
Way 15. Buying an apartment in poor condition, finishing works and sales
In today's world, apartments are often inhabited by the lower classes, example, alcoholics, drug addicts. Naturally, that their housing is in poor condition. As a result, the apartment is disgusting plumbing, ragged walls, horrible smell.
There are other apartments, suitable for this method of investment. These are the so-called grandmother's options - real estate, in which retirees lived for a long time, who could not take care of her properly. Most often, these include apartments in old buildings, which have been in operation for several decades.
Such apartments attract investors. They can be bought at a very low cost, having made repairs, bring to a decent state. After that, such an apartment can be sold at the average market price or even more expensive. (About that, how to quickly sell an apartment and what documents are needed to sell it, we told in the last issue).
You can also use such real estate for different options for renting.
The advantage such an investment option is something, that selling such an apartment after renovation, you can get a significant profit. Moreover, you can rent it, having a regular passive income.
Disadvantages this method is:
- the need for additional repair costs;
- demand for troubled apartments is much higher than supply, Many realtors hunt for such real estate, so you can choose an option for a very long time.
Way 16. Buying real estate, which is pledged or under arrest at a reduced price for resale
Banks often take real estate as collateral in the lending process. If the borrower is unable to pay its obligations, encumbered real estate becomes the property of the bank. Credit institutions often try to sell their collateral as soon as possible, minimizing the price of them.
The advantage This type of investment is the ability to purchase real estate at prices well below market.
Among shortcomings this option can be called:
- the complexity of the bidding procedure, it will take time, to understand everything;
- It can take a long time to find a suitable property;
- you need to regularly monitor ads for such sales options;
- you can buy such real estate only for cash, mortgage lending schemes do not apply here.
Way 17. Build a house from scratch and sell it when ready
This type of investment is quite popular because, that land and real estate are becoming more expensive over time. House, built independently, will cost less than an apartment of the same area, and the difference can reach A table%.
With this option, there is virtually no risk of unfinished construction. It lies only in the financial capabilities of the investor, which are best calculated immediately. They can significantly reduce the amount of investment, who has construction skills and a few helpers.
With the construction of several houses at the same time, it is possible to save on building materials. in addition, initial capital is possible to borrow. There is a chance to get a mortgage for the construction of a country house.
Most often, houses and cottages are built. If you have a large sum, you can build a townhouse or even small houses with several apartments.
Advantages in this case, the investment is several:
- high profitability in case of success;
- the opportunity to use the house for their own purposes.
Among shortcomings can be called:
- the investor must understand all stages of construction;
- if the construction of the house is planned with the use of employees, will have to monitor the progress of construction.
3.3. Original (unusual) ways to invest
In addition to the above schemes of income from the lease or resale of real estate, there are other ways to earn on real estate investments. These may be unusual ideas, example, as the option below.
Way 18. Re-equipment of a sea container living space
For Russia, this type of suburban real estate is new. In essence, it resembles an ordinary change house, but comfortably furnished. Such a house is the most affordable option. You don't even need to build anything here. Just install the container, make quality repairs, stretch communications.
When comfortable living conditions are achieved, in such a house it is possible live alone or sell it. If there are highways near the site, quite real to make such house for rent.
The cost of creating such housing is small. You can buy a container b / u about 100 000 rubles. Repair work and communications will cost about another 150 000 rubles. In principle, this is enough, to get affordable housing.
Interesting, that if necessary in the future such a house can be moved to a new place.
Example, purchased plot, on which the construction of a capital house is planned. During the works you can live in the house from the container. When the construction is completed and the work is transferred to another site, the house can also be moved there.
If we talk about investor interest, house from a container, if it is well processed, it is quite possible to rent. Of course, so rent is much cheaper, than in a full house, but the demand for such housing will always be. It has to do with that, that many people are looking for cheaper accommodation options.
This option is suitable for those, who buys land, but does not currently have the opportunity to begin construction. In this case, the land can be placed in a container house, to live in it yourself. If you rent such housing, you can collect for construction or repay the loan taken for the purchase of land.
Dignity such an investment option is as follows:
- low cost of housing;
- you can create a creative interior, unusual design outside the house.
The disadvantage there is that, that not everyone will agree to live in a house out of a container. However, if you apply maximum imagination and make housing quite comfortable, there will be no hang-up from tenants.
So, ways to make money on real estate a huge number. When choosing the right one should focus on your preferences, as well as available capital.
A step-by-step guide for novice and novice real estate investors
4. How to start investing in real estate - 5 simple steps
Regardless, what method of earning will be chosen, real estate investments must be consistent and prudent. This minimizes the level of risk and maximizes profits.
It is important to follow a certain sequence, to make investments comfortable and safe.
Step 1. Determine the level of financial capabilities
First of all, the investor must decide, what amount of money he has. This is what determines, what type of real estate money will be invested.
It is important to remember, what you can invest only free money, which are not intended to pay for the vital needs of the investor.
If the investor's capital is small, then you have to choose from investments in land or housing at the construction stage. It is worth considering options to increase capital through borrowed funds and attract co-investors.
Step 2. Study of proposals
One of the most important stages of any investment is market analysis. The size of future profit depends on it.
To make a really profitable purchase, you need to spend a lot of time analyzing the current market situation.
Really big profits are usually received by those investors, who will be able to thoroughly study the trends and nuances of the market.
Step 3. Selecting an object to invest
It is important to choose the right property, in which funds will be invested. Some investors, who have significant capital, prefer to invest in luxury housing and various exclusive options (example, penthouses or apartments, which have terraces). Such objects are much more expensive, however, they also have higher liquidity. This is especially true of large cities.
If you decide to invest in objects, under construction, you should choose those of them, construction of which is carried out in one stage. The cost of such housing is constantly growing as new floors. Therefore, it is desirable to invest in such real estate at the earliest possible stage.
In terms of profits real estate in the secondary market Less attractive to investors. But such housing can be purchased on a mortgage and immediately leased.
Step 4. Buying a property
At this stage, it is very important to properly and as cheaply as possible to carry out the procedure of registration of real estate. To those investors, who do not have sufficient experience of such purchases, you should seek the help of a lawyer or an experienced realtor. He will help to properly execute the agreement in accordance with the law.
It is also important to remember about the tax nuances of the agreement. They should be read in advance.
Step 5. Extraction of profits
To make a profit, remains resell or to rent purchased real estate. The payback period depends on the purpose of the acquisition.
Example, if the apartment is resold, which is located in a new building, income will be received for 2-3 years. But do not forget, that when selling a home, less owned Five years, will have to pay tax.
Rent is a longer-term investment. Payback in this case will come only across 6-9 years. But the risks of investing are much lower. Moreover, leased real estate will remain the property of the investor. If necessary, it can always be sold.
The investor must understand, that making investments consistently, going from step to step, you can significantly reduce the level of risk and increase profitability.
Popular areas of investment in the construction of residential and commercial real estate + successive stages of competent investment
5. Investment in real estate construction - 5 reliable options for investing + main stages of investment
Real estate investments, under construction is very popular today. They are a great way to make money work. That is why it is so important to understand all the nuances and subtleties of this issue.
5.2. It is better to invest money in any construction - TOP-5 options + comparison table
There are several different areas, that allow you to invest money in real estate, under construction. The choice depends on the experience of the investor, as well as the amount of invested capital.
Here are the five most popular and least risky options for investing in construction.
Version 1. Investment in housing (apartments) in homes
This option is considered one of the most available ways of investing, which are inherent minimal risks. The purpose of such investments is long-term - to buy housing (apartment) at the construction stage, and when it is over, sell or rent.
It is important to consider the following when choosing an item to purchase:
- location - the distance to the nearest transport interchanges, public transport stops, metro stations;
- housing planning;
- infrastructure - is there in the immediate vicinity of the school, kindergartens, big stores;
- prospects for the development of the district in the future.
It is also important to remember, that the greatest demand in the market are small apartments - with one or two rooms.
Version 2. Cottages (private houses)
Cottages traditionally include houses and cottages, located outside the city. Such real estate can be quite profitable. Particularly high demand for cottages large cities. Their residents seek to provide themselves with the opportunity to relax away from the hustle and bustle of the city, saw, noise and gassiness.
The most promising is to invest in a cottage at the foundation stage.
There are several things to keep in mind when choosing an item to purchase:
- district status;
- there are communications;
- how developed the infrastructure is.
Other parameters can have values, on which comfortable living depends.
Version 3. Hotels and hotels
The experience of investors around the world makes it clear, that the payback period of such investments is close 4-6 years. These are very good indicators, especially in large cities there is always a demand for quality housing from visitors.
Version 4. Production areas
This method of investing is most suitable for those investors, who already have experience in real estate. It is important to determine the purpose of such investment before purchasing the construction area under construction.
The following objects are most in demand in this variant:
- furniture factories;
- food industry facilities under construction;
- production of household chemicals and basic necessities.
It is best for investors to invest in industrial real estate, using the services of professionals: PIFs or management companies.
Version 5. Investment in commercial real estate
This is another option, which is most suitable for fairly experienced investors.
The following properties are commercial real estate:
- retail space - shopping center, shops and supermarkets;
- restaurants, bars and other catering establishments;
- entertainment centers, sports and education;
- office and business centers;
- warehouses, hangars, storage;
- agricultural premises.
Investments in office and retail space are typical for megacities. They are in high demand from businessmen, looking for space to rent. Owners of such objects, maintaining them in good condition, receive a stable income.
Exactly renting is considered the best way to earn money on commercial real estate. This option is characterized by a large amount of initial investment and a long payback period (at least five years).
The table below helps to compare construction investment options:
| Type of real estate | Features of investing | Payback period |
| 1) Dwelling houses / new buildings are under construction | If at the end of construction to rent real estate, profits will increase, but the payback period will be higher | One—Two year |
| 2) Private houses, giving, cottages | It is important to consider the location and infrastructure of the area | |
| 3) Hotel facilities | A promising option for cities and resorts | Four—Six years |
| 4) Production areas | Suitable for PIFs, that is, collective investment | Eight—Ten years |
| 5) Commercial real estate | It is desirable to have experience in investing in real estate | Six—Nine years |
From the table it is visible, which is the most interesting option for a private investor investment in housing construction, namely the purchase of apartments in new buildings for resale.
5.1. How profitable to invest in housing?
The average construction time of a residential building is 2 years. During this time, the cost of housing in it increases approximately on 45-75%.
It is advantageous for developers to attract investors. This avoids bank loans and at the same time collect the amount, necessary for the construction of the house. Therefore, at the start of sales, which usually occurs in the early stages of construction, the cost of housing is minimal.
Particularly large difference in price is observed in the construction of neighborhoods or large enough residential complexes. Such housing estates are being built in stages. Developers set a minimum initial cost of apartments, to attract the first wave of buyers, as well as create a positive image.
As a result, investing in real estate, under construction, after putting the house into operation you can get the amount twice the initial investment. The only thing, that may alarm investors - risk, that construction will be suspended or stopped altogether.
Gradually, over time, the cost of housing increases as construction progresses. Experts have established, that the construction of each additional floor increases the value of the property by about Three%. So, the sooner the funds are invested, the greater the profit in the future will be obtained.
Consider the advantages and disadvantages of investing in real estate.
Among the pros (+) we can highlight the following:
- high level of profitability, as well as liquidity;
- reliability - housing is rarely cheaper (this is especially true of large cities);
- high level of supply, so, large selection of real estate to purchase;
- different ways to use real estate in the future (resale or lease).
It turns out, that one successful investment agreement can be profitable for many years. Example, buying an apartment in a house under construction, the investor may lease it in the future. As a result, he receives passive income, which is not limited by any time frame.
There are disadvantages to this method of investing (-). The main thing is, that the demand for housing is determined by a huge number of factors. Example, in a crisis, many do not buy an apartment, deciding to postpone such an event indefinitely. And there is a huge risk, that the construction of a dwelling house may be frozen (stopped) or terminated due to financial difficulties of the developer.
But it is worth noting, that most professionals, comparing real estate investments, which is built with other ways of investing funds, make a conclusion about that, that they are much less risky, than, example, game on the stock exchange.
Successive stages of investment in construction
5.3. How to invest in construction - 5 main stages
Any investor knows, that investments according to a pre-prepared plan can increase the level of profit and minimize the risk of investment. Investments must be made consistently, in accordance with the developed strategy. There are five stages to this process.
Stage 1. The choice of the developer
An obligatory and important measure at the initial stage of investing in construction is the analysis of the developer. It is important not only to find out the name of the developer, but also to clarify, what is his reputation. Experts recommend investing only in those facilities, under construction, which is built by a well-known construction company in the city.
In the process of choosing a developer, it is important to consider:
- the reputation of the firm;
- how many facilities the company has already commissioned;
- which lead to overheating of the gasoline or diesel engine;
- how experienced the company is in complex construction;
- how many investors the developer;
- partnership with credit institutions (banks choose carefully, with whom to cooperate, conduct a thorough analysis and do not interact with developers, in which the reputation is questionable);
- how carefully the developer complies with the law (the main regulatory act is federal law Two hundred and fourteen-FZ).
In Moscow and the Moscow region, you can trust such developers:
GK PEAK - one of the largest developers in Russia. The company was founded in 1994 year, it successfully implements large construction projects throughout Russia. Focuses on the construction of affordable housing. Over the years it has been built close 250 thousands of apartments 15 million square meters. m. It is one of the system-forming enterprises in the Russian economy.
А101 Development the company built about 500 thousand square meters. m. residential real estate, as well as more 50 thousands - commercial. The developer is also building kindergartens and schools, interacting with the budget. Cooperation has been established with several large banks in the framework of mortgage lending programs. The developer is included in the TOP-5 in the Moscow region and the TOP-15 in Russia.
Capital Group - firm, which deals with the full cycle of construction activities from the analysis of construction sites to the processing of finished real estate. Completed 71 project, resulting in built 7 million square meters. m. area. The company's facilities are named the best projects in Moscow and the Moscow region.
Stage 2. Choosing an investment object
Another important step in investing in real estate, under construction, there is a selection of the corresponding object. It is best to start with the area, where the demand for housing is highest.
Selecting an object to attach, it is important to consider the following parameters:
- infrastructure;
- proximity to public transport stops and metro stations;
- other characteristics, affecting the degree of comfort of living.
If you plan to invest in commercial real estate, the ultimate goal of the investor should be considered in advance. It will also be useful to make a professional business plan.
Stage 3. Negotiations
When the developer and the investment object are selected. You can start negotiations. It is important to understand, that in accordance with the laws of our country it is impossible to register the rights to real estate under construction.
However, the investor is right:
- draw up a share participation agreement;
- join a construction cooperative;
- register the investment contribution;
- enter into a share contribution agreement.
Experts advise to dwell on the equity agreement.
In addition to the method of registration of the agreement, the terms of deposit are discussed. The main ones are installments (payment in installments) and one-time deposit, but other options are possible.
Stage 4. Study of documentation
All concluded agreements must comply with current legislation. It will be useful to check them with the help of an independent lawyer. Many believe, that it is a waste of money. But it is not desirable to save on the security of transactions.
Stage 5. Signing a contract
The final stage of the operation is the conclusion of the contract. Before signing the final version of the agreement. It is important to carefully study all its points.
At the same time you should pay attention to:
- when construction is scheduled to be completed;
- what are the conditions of termination;
- the price must be fixed, there should be no conditions, on the basis of which it will change;
- Penalties in case of breach of contract must be prescribed for each party;
- force majeure.
It is important to approach the operation of purchasing real estate with the utmost care and responsibility. It is important to remember, that there are risks, reduce which can be, strictly adhering to the sequence of stages of investment.
5.4. How to make money on investment in construction - TOP-3 working methods
The investor needs to know, which ways of earning money for the purchase of real estate under construction are the safest and most proven.
Way 1. Leasing
Earnings on the transfer of real estate for rent is a long-term investment. But this option has a stable level of profitability.
The payback period in this case exceeds five or six years. But do not forget, that the area in any case remains the property of the investor.
In large cities there is a demand for different types of rent residential real estate: luxury apartments, rooms, located in sleeping areas, studios for young families and others.
If you take into account commercial real estate, can be noted, that the demand for it from entrepreneurs is also consistently high. Premises are especially popular in big cities, located in business and shopping centers. The only disadvantage of commercial space is the need to invest large sums of money.
It is usually enough to buy an apartment 1,5—2,5 millions of rubles. If you plan to invest in commercial real estate, will need approximately in 2-3 times large sum.
Way 2. Purchase of an apartment under construction for sale after commissioning
If you buy real estate, under construction for resale, it is possible to pay back the invested means quickly enough - already through One—Two year. The sooner the construction is completed, the more interesting it is for investors. Particularly happy investors receive income in the amount of one year A table% invested funds.
It is important to evaluate other possible options. You can make a quality repair of the finished apartment. As a result of such actions, its cost will increase by about a quarter.
Way 3. Participation in collective investments
Investors, who are looking for the safest options for investing in real estate, under construction, can be advised cooperate with intermediaries. You can become a participant in a professional investment project, not buying real estate at all. To do this, it is enough to join a collective investment fund and earn income as a shareholder.
There are several reliable funds in Moscow and the region, who invest in real estate. Including what is under construction:
E3 Investment — тут мінімальна сума для входу становить A table thousand rubles. When the profit is guaranteed at the level 25-90 percent. All investments in the fund are insured. The investor can independently choose the payback period of the invested funds half year to two years. Investors invest money in highly liquid real estate, the depositor is left to make a profit. This option is a passive income with a guaranteed profit and a minimum level of risk. The company provides information support, as well as free investor consultations.
Sminex — компанія інвестує кошти в готові апартаменти, as well as objects at the construction stage. The company builds its own houses, as an additional service, investors receive apartment renovations. in addition, the company takes care of finding tenants. The company is building cottages, residential buildings, commercial facilities. The undeniable advantage of the presented organization, experts call the focus on achieving high quality real estate, under construction, as well as their preservation during operation.
So, There are several ways to make money on real estate under construction. They differ not only in the level of profitability, but also by effort, which will be required from the investor.
5.5. 4 the main risks when investing in real estate under construction
Any investment involves the risk of losing your investment. To minimize the likelihood of loss, should be studied in advance, what schemes are used by real estate fraudsters, what to fear, investing in construction.
Risk 1. "Soap bubble"
The first way to deceive gullible investors is extremely simple. One-day companies sell to gullible investors myth, and not actually constructed objects. All work on the construction sites is carried out exclusively for eye removal.
Most often, such projects are organized and conducted with the help of various legal structures. As a result, the agreements from the outside look completely legal. However, as soon as fraudsters raise enough money, they disappear along with investor contributions.
The first way to determine the bubble is to underestimate the value of real estate. The investor should compare prices with the average in the area. Too low a cost should be alarming.
It is also important, to make sure, that information about the developer is in the official register. В нього включаються всі діючі будівельні компанії. So, якщо розглянута фірма відсутній в цьому списку, вона не є реальним юридичною особою.
Risk 2. Банкрутство забудовника
Reasons, за якими будівельна компанія може збанкрутувати, безліч:
- неефективне управління;
- нецільове використання коштів;
- брак фінансів;
- високі витрати.
Naturally, недолік грошей позначається не тільки на самій будівельній компанії, але і на інвесторів. Щоб не зіткнутися з такою проблемою, вибираючи забудовника, слід орієнтуватися на велику компанію, яка вже здала велика кількість побудованих об’єктів в експлуатацію.
Risk 3. Недотримання термінів здачі нерухомості
Ще однією неприємністю для інвестують в нерухомість, under construction, is зрив строків будівництва. Особливо неприємний такий ризик для тих, хто купує нерухомість з залученням кредитних коштів. Кредитора не хвилює, коли буде здана в експлуатацію нерухомість, йому важливо, щоб всі борги були повернуті в строк і з відповідними відсотками.
Фахівці прийшли до висновку, що кожен день порушення строків здачі з’їдає 0,01% доходів інвесторів. У процентному співвідношенні це небагато. Проте в перерахунку на рублі виходить пристойна сума, особливо коли здача в експлуатацію затягується на кілька місяців або навіть років.
Risk 4. Форс-мажорні ситуації, а також непередбачені зміни на ринку нерухомості
Названі обставини також можуть призвести до втрати частини коштів інвестором. Прикладом форс-мажору є настання тривалої економічної кризи. В результаті пропозиція на ринку нерухомості може значно перевищити попит. Ця обставина веде до значного зниження вартості нерухомості – нерідко on 10-20%. Навіть коли ситуація вирівняється, інвестори вже втратять частина потенційного доходу.
Також прикладом форс-мажорних обставин можуть слугувати стихійні лиха (пожежі, повені, землетруси), війни, катастрофи на промислових підприємствах. Єдиний спосіб убезпечити себе від таких ризиків – страхування нерухомості, under construction.
Рекомендуємо прочитати матеріал про страхування житла, де описані важливі моменти при оформленні страховки на квартиру або будинок.
So, як і будь-який вид інвестування, вкладення в нерухомість, що будується супроводжуються різними ризиками. Частину з них можна мінімізувати, проводячи в процесі вибору об’єкта для придбання ретельний аналіз. В інших випадках уникнути неприємних наслідків допомагає страхування.
6. Практичні рекомендації по збільшенню прибутку від інвестицій в нерухомість
Вкладаючи гроші в споруджувану або готову нерухомість, будь-який інвестор прагне максимізувати підсумкову прибуток. You can do that, скориставшись наведеними нижче способами.
Рекомендація 1. Зробити перепланування і погодити (узаконити)
Перепланування об’єкта житлової нерухомості – найбільш простий варіант, який дозволяє зробити житло більш функціональним, не змінюючи його загальної площі. Якщо провести заходи по переплануванню грамотно, можна збільшити вартість квартири або будинку on 15-30%.
При цьому не варто проводити неузгоджену перепланування. Всі плануються зміни повинні бути зареєстровані в які займаються цими питаннями органах. На сьогоднішній день це архітектурний відділ у БТІ, а також районної адміністрації.
It is important to know, що законодавство забороняє вносити деякі види змін в планування, example, зносити несучі стіни, а також розширювати кухню за рахунок жилої площі, збільшуючи її розміри більш ніж на чверть.
Рекомендація 2. Прилаштувати додаткові площі
Такий варіант збільшення вартості доступний для приватних будинків і котеджів. Там можна побудувати додаткові поверхи, переобладнати горища в мансарди, побудувати балкон або веранду, внести інші архітектурні зміни.
Рекомендація 3. Зробити якісний ремонт
Якщо зробити якісний ремонт, ціна квартири зросте приблизно on 15-25%. Прибуток буде вище, якщо зробити ремонт самостійно, вклавши кошти тільки в покупку матеріалів.
Важливо купувати якісні матеріали. Покупці можуть відрізнити добротні витратні від дешевих китайських.
Рекомендація 4. Перевести житлову нерухомість, комерційну або навпаки
Вивчивши попит на нерухомість в певному районі, можна переводити нежитлову нерухомість в житлову і навпаки. Отримання прибутку від перепрофілювання житлових площ в комерційну актуально для великих міст, особливо для ділових районів і прохідних вулиць.
So, важливо не тільки вкласти кошти в нерухомість, але і в подальшому намагатися витягти з неї максимум прибутку. А як це зробити, ми розповіли вище.
Способи вкладення грошей у нерухомість при малому капіталі
7. Як інвестувати в нерухомість при малому капіталі — 3 реальних методу
Many believe, що недостатньо велика грошова сума є перешкодою для інвестицій в нерухомість, but this is not the case. Грамотні ділові люди здатні обійтися мінімальними засобами, а також залучити додаткові суми. Можна назвати кілька способів зробити це.
Метод 1. Залучення позикових коштів
Найпопулярніший спосіб збільшити інвестиційний капітал – оформлення кредиту на придбання нерухомості. Сьогодні багато банків надають такі позики.
By the way, про те де взяти грошей, якщо всі банки і микрозаймы відмовляють, ми розповіли в одній з минулих статей нашого журналу.
Інвестор слід приймати в розрахунок той факт, що будь-яке запозичення пов’язане зі сплатою відсотків. Тому у процесі аналізу важливо врахувати додаткові витрати. Планований дохід повинен перекривати відсотки за кредит і забезпечувати прибуток.
За кредитом слід звертатися у великі кредитні організації позитивної репутацією.
Не обов’язково брати кредит під відсотки. Багато забезпечені родичі дають близьким людям позики без справляння додаткової плати.
Метод 2. Залучення співінвесторів
Ідеальний варіант для інвесторів, у яких недостатній капітал, — об’єднатися. For those, хто ретельно продумав проект і переконає його ефективності інших, знайти партнерів проблем не складе.
Метод 3. Вибір грамотної стратегії
Будь-який інвестор розуміє, що грамотне планування вкладень є важливою складовою їх успіху. Tim, у кого недостатньо знань в області інвестицій, можна порадити звернутися за допомогою до більш досвідченим інвесторам.
Прикладом якісної підтримки новачків служать різні клуби по інвестуванню. Такі проекти об’єднують інвесторів, які передають свій досвід початківцям. Клуби проводять різноманітні заняття – курси і семінари, докладно розповідаючи про приватні інвестиції. Чимала увага приділяється також і вкладень у нерухомість.
За тематикою інвестування в нерухомість вивчаються наступні питання:
- стратегії;
- як увійти в світ інвестування з мінімальним капіталом;
- вкладення в різні види нерухомості;
- оренда та суборенда.
So, недостатність капіталу не є перешкодою до інвестування. Будь цілеспрямована людина знайде способи здійснити вигідне вкладення.
8. Допомога професіоналів при інвестуванні в нерухомість
Допомога з боку професіоналів не буває безкоштовною. Однак вона допомагає much збільшити рівень прибутковості інвестицій.
To those investors, які бажають мінімізувати risks, але при цьому забезпечити досить високу profit, можна порадити співпрацювати з експертами в області інвестування в нерухомість.
У Росії можна особливо виділити три компанії, що працюють в цьому напрямку:
E3 Investment пропонує вкласти кошти на тривалий термін в різні типи нерухомого майна. При цьому забезпечується високий рівень доходу. Тут мінімальний поріг входу на ринку нерухомості. Інвестори можуть внести суму від 100 thousand rubles.
Бажаючі вкласти кошти в цю компанію, можуть одразу дізнатися рівень очікуваного прибутку. Для цього достатньо скористатися калькулятором на її сайті.
Внески в інвестиційну компанію характеризуються високим ступенем надійності. На всі види активів припадає по три виду страховки.
Activo пропонує доступ до найбільш ліквідним площ. Безпека вкладень забезпечується завдяки незалежному колективного володіння. При інвестуванні коштів від двох мільйонів рублів компанія гарантує отримання прибутку в розмірі 11,6%.
Інвестор купує нерухомість і передає її в управління професіоналам. Компанія щомісяця своїм клієнтам дає повну звітність, а також гарантує збереження вкладених коштів.
Gordon Rock – це агентство нерухомості, представлене на міжнародному ринку. Investors, скориставшись послугами компанії можуть вкласти кошти в готелі, комерційні, а також житлові об’єкти нерухомості, розташовані за кордоном.
Також надаються наступні послуги:
- купівля номерів у готелях, приміщень громадського харчування, медичних центрів, міні-готелів;
- придбання нерухомості особам пенсійного віку;
- вкладення капіталу в готовий бізнес в декількох країнах світу;
- консультації і семінари, присвячені ефективному інвестуванню.
So, щоб інвестувати кошти в нерухомість, не обов’язково володіти великим капіталом і значними знаннями. Досить звернутися за допомогою до професіоналів.
9. Frequently asked questions (FAQ)
Тематика інвестування в нерухомість багатогранна і проста в розумінні. Тому у багатьох інвесторів виникають різні запитання з цієї тематики. Особливо це стосується новачків. Спробуємо відповісти на найбільш популярні питання.
Question 1. Куди вигідніше вкласти гроші в нерухомість або в банк на депозит?
Нерідко люди без досвіду інвестування, мають значну грошову суму, are asked questions, як вчинити з нею — купити квартиру і здати в оренду або покласти в банк на депозит?
Let's say, що у інвестора є в наявності 3 000 000 rubles. Розглянемо обидва варіанти інвестування.
- Якщо покласти гроші в банк під 10% annual, for 12 місяців можна заробити Three hundred thousand rubles, якщо умовами депозиту не передбачена капіталізація. About that, що таке капіталізація відсотків на рахунку по вкладу і як самому розрахувати вклад з поповненням і капіталізацією, читайте в окремій статті нашого журналу.
- Тепер припустимо, що інвестор за наявні у нього кошти купив однокімнатну квартиру в Москві. Здаючи її в оренду, він буде отримувати по 25 тисяч рублів на місяць. У підсумку за рік набіжить така ж сума в Three hundred thousand rubles.
Порівнюючи два варіанти, не варто випускати з уваги те, що у випадку з орендою виникають додаткові витрати — на комунальні платежі, taxes, ремонт та інші. in addition, доведеться витратити значну кількість часу на пошук відповідного об’єкта нерухомості, заселення орендарів.
It would seem, вклади набагато вигідніше, ніж покупка квартири з подальшою здачею в оренду. Але це не зовсім так, розбираючи приклад, ми не врахували наявність інфляції. Знецінення коштів поступово з’їдає заощадження.
При цьому варто врахувати важливе правило інвестицій — не можна довіряти офіційним даним про рівень інфляції. Насправді гроші знецінюються набагато швидше. It turns out, що в кращому випадку відсотки за депозитом перекриють інфляцію, заробити на таких вкладеннях навряд чи вдасться.
У той же час ціни на нерухомість рідко падають. У довгостроковій перспективі її вартість зростає. Також постійно дорожчає оренда.
So, it turns out, що при розгляді короткострокового періоду на депозитах можна заробити більше. Однак враховуючи те, що квартири дорожчають, can be noted, що нерухомість допомагає більш ефективно протистояти інфляції.
Question 2. Яку нерухомість вигідніше здавати в оренду: житлову або комерційну?
Деякі інвестори цілеспрямовано аналізують ринок нерухомості, to understand, які об’єкти здавати вигідніше – житлові або комерційні. У цілому однозначно відповісти на це запитання неможливо, так як на ринку діють комерційні та фінансові ризики.
Для великих інвесторів зазвичай більш кращою є комерційні об’єкти нерухомості. Experts believe, що такі вкладення окупаються значно швидше. Однак у силу своїх особливостей вони більш скрутні для новачків.
Regarding residential real estate, вигідно здавати її в оренду тим, хто отримав її без грошових витрат, example, у спадок або в якості подарунка. При купівлі такого об’єкта нерухомості він буде окупатися дуже довго.
It is worth understanding, що інвестування коштів в об’єкти комерційної нерухомості досить ризиковано. It has to do with that, що на них більше впливає ситуація в економіці країни, example, настання кризового періоду.
Інвестиції в комерційну нерухомість схильні і інших видів ризику, які важко врахувати. В результаті можуть бути допущені помилки в процесі розрахунку необхідного капіталу, що в кінцевому підсумку призведе до того, що збільшиться ймовірність купівлі об’єкта з низькою ліквідністю. Такі вкладення можуть не тільки не принести прибуток, але і спричинити за собою значні збитки.
However, говорячи про фінансових відносинах, can be noted, що у випадку з комерційною нерухомістю вони набагато стабільніше, ніж у власників житлових приміщень з їх орендарями. Оформляючи оренду на комерційну нерухомість, орендар зацікавлений в тому, щоб зберегти її в належному стані. It has to do with that, що саме стан площ, на яких ведеться діяльність, формує у клієнтів думка про компанії. Орендарі житла рідко намагаються підтримувати його в як можна більш кращому стані.
Окремо стоїть питання доходу, отримуваного від здачі в оренду різних типів нерухомості. Everyone knows, що при порівнянні аналогічних за площею приміщень, комерційні об’єкти приносять набагато більший дохід, ніж житлові.
pay attention! Купуючи нерухомість, інвестор повинен проаналізувати, який потенційний дохід вона принесе. Особливо це стосується тих об’єктів, які вже здані в оренду. Прогноз рентабельності об’єкта нерухомості в момент його придбання зробити цілком можливо.
Слід також порівняти зусилля, необхідні для управління декількома об’єктами нерухомості. Naturally, що об’єкти житлової нерухомості (навіть якщо їх декілька і вони розташовані в різних кінцях міста) набагато легше піддаються управлінню, than, наприклад торговельна площа, розділена на частини і передана в оренду кільком бізнесменам. Тим більш важливо, що комерційну нерухомість здають на набагато більш тривалий термін, ніж житлову.
Деякі інвестори заперечать, що сьогодні управління нерухомістю можна передати спеціалізованим організаціям. Але це знову ж таки вимагає додаткових грошових вкладень.
Який звідси можна зробити висновок?
So, складати комерційну нерухомість вигідніше. Однак це вимагає від інвестора значного вкладення грошей і зусиль, а також якісних знань щодо кон’юнктури ринку.
Вкладення ж в житлову нерухомість доступні більш широкому шару інвесторів. Грошовий капітал для цього потрібно значно менший. У той же час така нерухомість може стати джерелом практично пасивного стабільного доходу на дуже тривалий період часу.
Але все-таки інвесторам, які мають хоча б мінімальний досвід вкладень у нерухомість, можна дати важливий рада. Перш ніж зробити вибір на користь якого-небудь об’єкта нерухомості, варто провести ретельний аналіз усіх можливих варіантів, приділивши увагу як житлової, так і комерційної нерухомості.
Question 3. Як купувати нерухомість максимально дешево?
In that, що нерухомість – вигідний варіант для інвестування коштів навряд чи хтось засумнівається. Yet, є способи значно підвищити підсумкову прибуток. Для цього можна скористатися порадами, як купити нерухомість максимально дешево. При хорошому збігу обставин можна заощадити порядку Thirty% value.
Розглянемо можливі варіанти:
1) Ми докладно обговорили придбання нерухомості на стадії будівництва. Такі вкладення вигідні і мають хорошу рентабельність. Однак і рівень ризику в цьому випадку набагато вище.
Unfortunately, не виключена можливість того, що зведення будинку забудовником не буде закінчено в призначений день. More, відомі випадки, коли вдома не здавалися в експлуатацію довгі роки. У таких ситуаціях часто незрозуміло, чи будуть взагалі закінчені будівельні роботи.
У більшості великих міст є по кілька об’єднань ошуканих пайовиків. Ці люди з різних причин – для особистих потреб або з метою вкладення коштів – купили квартири в споруджуваних будинках, але в кінцевому підсумку залишилися біля розбитого корита. Судитися з будівельною компанією буває непросто, especially, якщо вона визнає себе банкрутом.
2) Ще один варіант, що дозволяє знизити суму вкладень – придбання об’єктів нерухомості без ремонту. Інвестор вкладається у оздоблювальні роботи, після чого ціна нерухомості одразу зростає. При вдалому збігу обставин, проведенні якісного ремонту з використанням добротних матеріалів можна досить швидко отримати близько Fifteen% прибутку.
3) Інвестори з досвідом роботи на ринку нерухомості користуються ще більш цікавими способами економії коштів на придбання об’єкта інвестування. Example, many of them набувають конфісковану з різних причин нерухомість, виставлену на торги.
У разі визнання банкрутом фізичних осіб і компаній, їх кредитори зацікавлені якнайшвидше повернути належні їм гроші. Тому нерідко майно банкрутів виставляється на торги за дуже заниженими цінами. Про торги та аукціони по банкрутству, ми писали окрему статтю.
4) У зв’язку з виникненням великої кількості неплатежів по іпотечних та інших видів заставних позик кредитні організації нерідко відсуджують у своїх майно клієнтів, що виступало за договором гарантією повернення коштів. Таку нерухомість також реалізують за заниженими цінами, так як банкам важлива швидкість повернення власних коштів.
Де шукати такі пропозиції:
В інтернеті можна знайти спеціалізовані сайти, на яких зібрана інформація по реалізації об’єктів нерухомості, конфіскованих у боржників, а також відсуджених в якості застави. Нерідко інвестори тут знаходять дуже цікаві варіанти для вкладення коштів.
in addition, інформація про реалізацію заставних, а також конфіскованих об’єктів нерухомості юридичних осіб міститься у відповідному реєстрі за їх банкрутства.
Question 4. Які книги з інвестицій в нерухомість варто почитати новачкові?
Будь-які питання, пов’язані з областю фінансів вимагають у осіб, які займаються ними певних знань. Тому важливо вивчати спеціалізовану літературу з тематики, що цікавить. Не виняток і інвестиції в нерухомість.
Книга 1. Роберт Кійосакі «Інвестиції в нерухомість»
Багато професійні інвестори вважають, що найкраща книга про інвестиції в нерухомість створена Робертом Кійосакі. Називається вона досить тривіально – «Інвестиції та нерухомість».
Зміст твору унікально. Відома у фінансових колах Кійосакі зібрав 22 professional, що працюють в сфері інвестицій в нерухомість. В результаті вийшла книга, в якій містяться не тільки теоретичні основи інвестування в нерухомість.
Також у цьому творі величезна кількість рад, які не втрачають своєї актуальності, і інших історій, якими діляться з читачем професіонали.
Книга 2. Ерік Тайсон «Інвестиції в нерухомість для чайників»
Це ідеальна книга для новачків у сфері інвестицій в нерухомість. У доступній формі тут розповідається, як інвестувати гроші вигідно і правильно.
У творі міститься докладна якісно структурована інструкція про те, які дії потрібно зробити новачкові.
Будь-який бажаючий, навіть не маючи фінансової освіти, зможе витягти з книги безліч корисної інформації, з легкістю прочитавши її.
Книга 3. Макелрой К. «Азбука інвестування в нерухомість»
Ця книга ідеально підійде для тих, хто трохи знайомий з інвестиціями. Вона допоможе більше дізнатися про те, як працювати з об’єктами інвестування.
Читач дізнається, як підібрати найбільш вигідний об’єкт нерухомості, як краще проводити роботу з величезною кількістю необхідної інформації та документів.
Велике значення у творі відводиться і того, як максимізувати одержуваний прибуток.
Книга 4. Олексій Дурнєв «Інвестування в нерухомість. Як заробити без стартового капіталу на чужих грошах»
Цю книгу варто читати тим, хто не бажає більше горбатитися за копійки. Тут немає ні слова про те, як за кілька днів розбагатіти і вирішити фінансові проблеми.
Замість цього твір містить корисну інформацію про те, як зробити інвестиції в об’єкти нерухомості, не ризикуючи втратити особисті гроші.
in addition, тут розказано, як отримувати з таких вкладень гарний прибуток.
Книга 5. Мак-Лін Ендрю Джеймс і Елдред Гарі Ст. «Інвестування в нерухомість»
У книзі розказано, які є способи крім перепродажу для заробітку на інвестиціях в нерухомість.
Після прочитання інвестор починає усвідомлювати, що заробляти гроші, здійснюючи таку діяльність, можна величезною кількістю способів.
10. Conclusion + video on the topic
So, інвестиції в нерухомість являють собою перспективний спосіб пасивного заробітку. При цьому не має значення, скільки грошей є у інвестора. У сучасному світі інвестицій почати заробляти можна навіть при невеликих вкладеннях.
Yet, важливо постійно займатися самоосвітою, намагатися дізнатися максимум корисної інформації.
На завершення матеріалу рекомендуємо подивитися відео про те, як створити невичерпний дохід на ринку нерухомості:
На сьогодні це все. Вдалих і прибуткових вам інвестицій в нерухомість!
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