In order to prevent everyone from stepping on the pit, I quickly made such a comparison table, hoping to save more friends who stepped on the pit because we did not understand it. It is now at 10:30 in the evening I climbed to the top of the building to shoot. The occupancy rate of the two apartments that have been repaired for a year and are located at the key subway entrance has been less than 20% for a long time, while the next residence is 90%. Wan, and this apartment is 65,000. Many people bought it for investment and rented out at the beginning. Now they are worried about finding the next picker. Will it be you? This is still an apartment in the core area of the core city, which can be regarded as the country’s high-quality apartment real estate. Let me settle the accounts with you. The total price of the 60 square meter apartment is 3.9 million, the down payment is 1.95 million, and the monthly rental is 5,500. The intermediary also charges 0.5 to 1 month commission. The annual rental income is 63,250 yuan and the rental return rate is 1.6%. . However, there is a 5% gain from the 1.95 million financial guarantee, plus the 1.95 million mortgage, which is calculated at the lowest 5%, and the loss is 10% inside and outside. Therefore, if the house price does not rise, it will be lying at a loss of about 8% every year. Moreover, because the apartment does not have a degree, water and electricity property issues, property rights issues, and occupant population issues, it is difficult to change hands and appreciate in value, so you invested 1.95 million in cash, while suffering losses, while still unable to sell, compared to the original 195 You can buy a house for 6 million with a down payment of 30%. After three years, do you think about it and regret it? But the agency’s commission for buying a house and renting a house are not less, so you said they would say that the apartment is super good? Let me talk about my experience of being used by an intermediary to buy a house. I hope it will be helpful to my friends: I saved my salary for 16 years and wanted to buy a house. If Shenzhen couldn’t afford it, I was going to see Dongguan. At that time, I was watching various posts shared by buying houses. Leave a message, a very careful and attentive little girl found me, and then very patiently and tenderly gave me this little idiot to buy a house. Popular science, two days later, on a rainstorm Saturday, she and her boss, an aura driving the Land Rover. A middle-aged woman with short hair took me to see a very good property. It was a yellow warning for heavy rain that day in Shenzhen. We were sitting on his white Land Rover Mercedes-Benz on the highway along the river. You can imagine that picture, we are Mercedes-Benz on the highway built on the sea, the sky is completely covered by dark clouds and heavy rain, we still drove from Shenzhen to Dongguan to see Room, just like trying to save the world. After such a fascinating journey, I came to the good market they wanted. An independent apartment located 2 kilometers from the highway intersection, there was nothing around, but I didn’t understand the specific differences and advantages of apartment houses at the time. After entering the real estate, the short-haired sister is very skilled and on-site sales to explain to me the hundred-year development plan of Guangshen Dongguan, the unique geographical advantage of the real estate, and the huge investment income and rental income after buying the real estate. This is it anyway. The real estate is the best in the Greater Bay Area. To be honest, even though I can’t tell the difference between apartments and houses, I’m moved. Next, I started to count the money. The down payment was 50%. I didn’t have enough money. So she asked me to calculate my credit card, online loan and relatives’ loan. The difference was 100,000. She said that she would lend me 100,000 to buy this house. It is today to pay the deposit. In a series of PUA and reverse Amway, I almost fell. In the end, I was too timid and poor, and I always felt something was wrong, so I insisted that I went home and made up the money before making a decision. The short-haired sister didn’t say a word to me on the way back. The little girl who had taken me over from Zhihu kept brainwashing me, until a week after coming back, she still told me that the real estate was good, but at this time I had already looked for it. After consulting with a friend who knows about the house, this little girl was directly blacked out. Now that I think about it, it still feels terrible. I almost ruined my many years of savings and qualifications to buy a house. I checked the real estate a few days ago. After 5 years, the unit price is the same as before, but it is very difficult to sell. If you rent out, the return rate is about 1%. It’s not that apartments are not good, but for ordinary people in today’s investment environment, you can’t buy apartments with real investment value, and the young girl who actively took you to see the apartments, he opened the Land Rover back LV You have a contribution. Looking at the property market in Shenzhen today, all residential real estate depends on looting. Those who can buy a house are not only rich and qualified to buy a house, but also luck. The community I bought is 5,000 people and 400 places are drawn. The sales of real estate developers are not good. Will not give real estate resources to intermediaries at all. However, our community has also repaired two apartments, and half a year has passed since the apartments are still being sold out by agencies and public accounts of various Amway promotions. So, young man, do you still buy an apartment?