第20回　アパートを買ったけど、なんで融資を使うのか？Cash is king！現金は王様ですよ！現金は重要 - YouTube

Good evening, Mofumofu Real Estate Mofu

I bought an apartment today

Why did you buy with a loan

About that I would like to explain

Until now

Yesterday and yesterday, Publish a video saying "I bought an apartment"

You think like this I explained

There were various responses, Thank you

I have some funny comments

"If you say only good things,

The sales talk of the vendor I'm just drinking it "

"Look at this video, What should I do if I buy it? "

Some people are saying that

It is better for you to investigate it yourself

I thought it was okay

I think like this I'm buying an apartment

It's just a story

If you look at this video and imitate it, Of course, it is the self-responsibility of the person who imitated

please be careful

For example, if you bought a Ferrari

I like Ferrari

"Ferrari is good" I said

"No, wait a minute."

"About the risks of Ferrari Unless I explain

Who bought the Ferrari by mistake What do you do? "

"Repair costs are high, insurance is high,"

Such an image I'm telling you

I think like this, I just bought it

Of course this is But only a few people

Please do it at your own risk

And this opinion is important

"Assuming full rooms I'm calculating profit,

1.5 If the room is empty, Pramai is zero "

That's right, I will also explain this

Also, "Why from the bank Do you get a loan? "And

I got a question

Again, I will explain in detail

This time, about profit I explained it last time

If it fs 10 million properties

If the rent is 40,000 yen per room, 5 rooms for 200,000 yen

The yield is 24%

11 million yen, 1.5% in 10 years I gave a loan

That is the story up to the last time

Then, if you calculate the profit

Cash flow is 57,000 yen

Like that, If it is full

There are 40,000 in one room, It becomes 17,000 yen when one room becomes vacant

It becomes negative when two rooms are vacant

1.5 If there is no room, it will be Pramai Zero

Or just barely Will be in the minus

1.5 Being vacant in a room 70% available

70% vacancy is pretty tough It will be an estimate

And actually, the repayment ratio If you look

Borrowing / repayment for rent How many do you have

I'm looking at this ratio

This is less than 50%

If the repayment ratio is 50% or less, It's a passing line at all

When this reaches 60% or 70% It's tough

Generally 50% or less, OK

It fs a normal level

Also, the fact that you are paying back in 10 years

Pretty abnormal, It's usually not done in 10 years

In 20 or 30 years I'm getting a loan

I have been good for 10 years

You don't have to get cash flow, You got a loan in 10 years.

A common pattern

For example, "I tried to grow for 30 years" In that case

I'm putting off repayment

Repayment

Until now from 98,000 yen It fs down to 38,000 yen

Cash flow at once, It will double.

Furthermore, 1.5% in 30 years, Not so realistic

For example, if it fs a non-bank

If it was 3.9% in 30 years, Relatively likely

Hey now I don't know how

If this is the case, there is a possibility

Then the repayment Growing up to 51 thousand yen

In that case, the cash flow is About 100,000 yen

The repayment ratio is 25%, Because it will be abnormally low

The cash flow I calculated this time

I'm calculating the repayment in 10 years Just that

If you see various properties I understand

10 years repayment, Property with a repayment ratio of 25%

It's better to think that it is almost nonexistent

So I bought this I'm doing

Of course for beginners I don't recommend it

If you don't have money, don't do it I'm afraid it's good

It depends on your strategy

Think of each I think it's something to do

So this time If the vacancy is 70%

It will be negative

50% repayment rate

If the vacancy rate is about 70%, It will be about that.

Apart from any property.

50% repayment ratio in 10 years Because it is a rare property

This is what the risk is I think it fs not a story.

Another "why do you use a loan?" I have a question

This is pretty important, right?

I did n ft even use the loan at first I bought it for a lot of cash and it failed

After that, I have had a hard time

This is I want you to know

Because there is an advantage in using a loan, If that is all.

The disadvantage is about interest rate

So first, Because it takes time to recover the cash.

If you give us an image.

Let's say you have 12 million yen.

Cash of 11 million yen without using a loan If you use it, 1 million yen will remain.

And "I'm debt-free."

Saying, "I'm afraid of debt," Let's say there is someone who bought the property

When that happens, with a monthly income of 200,000 yen

From the repayment calculation just made If you lose your repayment

Since I spend about 45,000

Roughly speaking, On a fully occupied basis

155,000 yen When it comes to cash flow.

This calculation is before tax, so If you actually tax

It will be further cut from here

Assuming this amount Assuming 155,000 yen

If you save 1.86 million yen a year.

That means 11 million yen I used it

If you accumulate 1.86 million yen for a number of years, It fs going to be 11 million yen

Even the best

Without thinking about taxes It takes 6 years

Even if the room is full.

That means buying one

When the next apartment was for sale, It takes 6 years to buy

That means

To buy 3 buildings, It means that it will take 18 years.

Then life is short, so Can't wait that far

Cache all the time I have to bring

I can't buy until I save money It will be like that

Great time until you save money It will take.

A lot of time is lost 1 point

This is the first disadvantage I wonder if there is

To recover cash and save cash It's quite difficult

Well among you "I can't save much money."

If you think I think

Same for real estate investment

Another important thing, too.

"I'm in trouble when something happens" That's why.

I also have 12 million yen

If you have 12 million and spend 11 million, With 1 million left

If something happens at this time.

For example, in an accident

You have to be hospitalized.

For example, if I got sick

I have to have surgery

When that happens, like 2 million I need a lot of money

For example, if you don't have car insurance

Broken, car I have to buy a new one.

When that happens, When you need money

When there are only one million, I think your life is pretty uneasy, right?

In case something happens

It fs safer to save money

For example, when you need to paint the exterior walls of a property

I think you need 1.5 million yen.

If that happens

1 million yen There are things that we can't handle

After all, it is safer to have cash There is

So, having a debt There is a very negative image

I used to be that way too

To have debt

Who has a negative image I think there are many

If you think carefully, you can pay 0 yen From a person who says 1 million yen in cash

Debt is 11 million yen, cash is 12 million yen It's safer to have one

Why

If borrowed for 10 years, Debt is decreasing every year

If you have cash, When something happens

From cash Because you can use it

"There is only 1 million yen I have a hard time with money. ''

"Please lend me money" If you go to the bank

I'll never lend you

It fs dangerous Because there is a possibility of being crushed

I won't lend you when I have no money

When you have money and can afford Buy a property

While keeping cash To accumulate cash is

It is the basis of real estate investment

Another one, "Cash is King" Who have heard that

You may come, but

When investing

"Cash is king" Has become a saying

In investing, The special cash is strong.

Especially regarding real estate investment, If you have cash

This time too, I had cash, Saying, "You can buy it in cash at all"

You can hold down the property

Properties that can not be loaned

Last year, the land of Nagoya was Hold in cash

Usually in bulk I buy it

Because I have cash

Such cheap properties and land Can be pressed immediately

Because there are such merits.

You should definitely have cash.

So if you have cash The more you have it, the stronger it is.

It means that you can buy that much

Property information It will be easier to get together.

Real estate investment in particular Cash is important

Generally, if the interest rate is low, It fs better to borrow as much as you can

Very effective for expanding real estate investment

This is also at your own risk

Mofu says

"Anyone who will be covered in debt again Come out "

I don't know that

Please think carefully

I can't recommend it, As a general theory of real estate investment

Every investor

Keeping cash is It's standard

Rather, using cash It will be expanded.

If you expand without financing, After all it takes time

Because the available properties are limited.

Use what you can.

So, for low interest rates.

Suruga Bank, 4.5% to rent

If you have a yield It's good, though.

The one with high interest rates

The repayment method called "equal interest"

Debt is not decreasing so much

I think you really need to be careful

About this loan, I explained various things

Loans for 10 years are commonplace I explained, though.

Those who have a loan in 10 years It's pretty rare

Regenerative system

For those who are doing high yields Only some people

I can't get a 10-year loan, so Not so many

For office workers, I wonder if there are almost no

Repayment ratio 50% in 10 years

At a very unlikely place

Usually 10 years The repayment ratio is 100%

If the yield is 8% for 10 years, Repayment ratio

It's about 120% or 130%

Because this is this time

Repayment ratio Even with a 10-year loan

75% vacancy

It can withstand up to 70% On the contrary, is it a good result?

High yield of 24% Because it feels like

Please do not imitate this.

Therefore, the repayment period is 10 years, 20 years, 30 years. If you do

Cash flow will come out.

For a while, at the Shizuoka Bank Like "trust"

If you want to get a 30-year loan in 30 years,

There were quite a few

Moreover, the interest rate is about 4% I do it, but

That is it

You may feel pain later.

It needs more attention I'm thinking

So be careful about risks

By not imitating good children

Please take responsibility for your actions

Real estate investment is also a business.

Looking at this video, like Mofu I'm thinking of doing it.

Sometimes it's good to buy a property

Of course, there are bad cases.

One business as a manager If you want to start, study hard

Identify all the risks

Youtube on them I can't explain everything.

I think it's obvious, but

Sometimes I got so misunderstood It will come out.

I need to be careful.

Some people don't understand why I comment.

I want to say a little

Really common risks are

There are more benefits to using a loan

Except paying interest Because the benefits are bigger

Cash as much as possible You should bring it.

When it comes to getting a mortgage

Put a down payment, Who used a full mortgage

Because I can leave money at hand

Especially for mortgages with low interest rates.

You can borrow at 0.56%

I recommend that one.

Because it's personal freedom

If it becomes a reproduction system

An apartment for 2.7 million yen Someone bought it

It's a tattered one

Since we are introducing before and after

I will put it in the details column, so Please look if it is good

After-sales information

Entertainment-like, Some people even wear snakes around their necks.

"Lending With Overloans Is it dangerous to receive it? "

Also, make a real estate investment in the playlist Because I am explaining

Those who want to study in more detail Take a look

To the last Thank you for your viewing

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