[請益] 買台北市商辦自用的考量
看板home-sale (房屋交易)作者Leylah2021 (Tennis Elves)時間4天前 (2024/09/14 08:17)推噓6(7推 1噓 65→)留言73則, 9人參與討論串1/2 (看更多)
如題。因為自己做生意開業的關係,一直都有在付辦公室租金,最近被房東調漲租金,心裡興起了租不如買的念頭。
想請教各路大神:
1. 決定要不要買,是否也依照每個月需要付的租金大於未來每個月要付的房貸利息(不含房貸本金)來判斷?
要不要買住宅,我們是用這個判斷標準,商辦是否也是如此?
2. 台北市的商辦未來15-20年內走勢如何?
現在錢擺在ETF也舒舒服服的,如果台北市商辦前景不佳的話,我其實也不想淌這趟渾水,尤其我現在能夠負擔的上班大概都是屋齡30年以上。但是一旦興起了租不如買的念頭,腦袋又一直盤旋,總覺得買自用商辦也是沒錯的。
在此請教各路大神,謝謝!
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您跟樓上D大、樓下B大說的是,我本業的成本就是辦公室跟人事,不太需要高額的周轉金
,也不需要買機器原物料,目前業務勉強過得去,沒賺大錢,但預計到退休前都會繼續做
這行,離開的可能性不大。商辦是否是我自己的,對業務沒有影響,不過我這行早期的前
輩很多都是自己買,地段要多好有多好、裝潢要豪華就有多豪華=.= (我是魯蛇)
現在打算用來買商辦的自備款是放在ETF,本來想說過幾年能夠搬家的時候拿來買更好的
自住房,但現在想想如果買自己的商辦好像也行。
思路是這個樣子的:
1. 假設自備三成,開3.3倍槓桿,大概商辦價值要每年穩定漲個3%-3.2%才能抵過ETF的
報酬。以過去這五年來看,商辦大概就是差不多每年漲個3%,勉強達標。
2. 金流部分,辦公室房租大於房貸利息沒錯,但如果加上商辦的持有成本(較高的XX稅率
跟翻修維護成本),也許可能與租金差不多,或只比租金略低一些。
3. 自己買商辦的優點是跟住宅一樣,不用被房東漲租,另外會比較捨得花錢在辦公室裝潢
上,心理上也會有某種程度的安心感與成就感。
4. 但憂慮的點是,在大安區自己能負擔的商辦都是屋齡30年-40年以上,會擔心20年後要
退休時不好轉手。還有,如果1、2算下來差不多的話,何必白忙一場??
這樣一想,腦袋就打結了XD,需要各路大神解救!
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※ 編輯: Leylah2021 (1.162.146.165 臺灣), 09/14/2024 15:33:35
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