1. First of all, we should consider the commercial location of the facade and the development prospects of the shops in this location. Generally speaking, the pedestrian street should be the location of the local commercial center. From its price point of view, it has also been much higher than the house price, so the commercial location must be ideal.
2. Is there a relative guarantee for rent? Try to ensure a low vacancy rate. This is also based on the judgment of the commercial prospect of the facade location.
3. If the first two items are not too big, you can consider investing. Fixed assets are also a way to preserve value. Real estate is like a pot of porridge cooked by the state, which was originally very thick, but the state is adding water in a ladle, and the porridge is getting thinner and thinner. If you buy it early, the porridge in your bowl will be thicker, and if you buy it late, the porridge in your bowl will be thinner. A good way is to hold fixed assets as soon as possible to resist the risk of inflation. It has both use value and investment value, and the risk is relatively controllable.
4. According to the commercial loan of 24, yuan and the standard interest rate of 1.1 times, the monthly payment is about 1,711 yuan. If the annual rent can reach 3, yuan, there is still money left after the loan is paid.
5. According to the rate of return, 3/48=6.25%, and the figure is not bad. If the property appreciates in the future, changing hands is also a capital gain. If you don't change hands, you will hold it for a long time. When the loan is repaid, you will be charged rent every month, which is also a fixed living expense.
6. I wonder how many years the property right is? My own feeling is that having a shop or a writing room is good for the next generation. At least when children want to start a business, they don't have to worry about renting a house and paying a lot of rent first.
7. stamp duty shall be paid at the rate of .5 ‰ of the total price. Policies vary from place to place, so you need to consult your sales office.