Na'urar lissafin gidan haya na zuba jari
Kuɗin shiga da fita (cash flow), cap rate, ribar cash-on-cash da jimillar riba a kan gidan haya ko na zuba jari.
Game da Na'urar lissafin gidan haya na zuba jari
Kuɗin shiga da fita (cash flow), cap rate, ribar cash-on-cash da jimillar riba a kan gidan haya ko na zuba jari.
Ɓangare ne na sashen “Jinginar gida & gidaje” na SmartCalcy. Yana aiki a burauzar ku ba tare da asusu ba, yana amfani da kuɗinku da ma'aunanku (canza su a saman shafin), kuma yana ba da ƙiyasi don bayani kawai, don haka duba jagorar hukuma kafin ku dogara da sakamako.
Yadda ake amfani da Na'urar lissafin gidan haya na zuba jari
Abin da yake lissafawa da lokacin amfani da shi
Kimanta kadarar haya (buy-to-let) ko ta zuba jari ta hanyar kuɗaɗen shiga da fita (cash flow), cap rate, cash-on-cash return, ɗaukar bashi da jimillar riba idan kun sayar bayan wani lokacin riƙewa.
Yadda ake amfani da shi, mataki-mataki
- Shigar da farashi, kashin kuɗin farko da sharuɗɗan jinginar gida.
- Shigar da hayar wata-wata, lokutan da ake tsammani babu mai haya da kuɗaɗen gudanarwa.
- Ƙara hasashen haɓakar haya da farashi, tsawon lokacin da za ku riƙe ta da kuɗin sayarwa.
- Duba cash flow da farko, sannan cap rate, cash-on-cash da IRR.
Ma'anar kowace shigarwa
- Rent kowace wata – Gross rent Kafin Kuɗaɗe.
- Babu komai periods – Raba na rent lost zuwa gaps between tenants.
- Haraji da charges, insurance – Kowace shekara property Kuɗaɗe.
- Management da repairs – Kashi na rent set aside akan agents, maintenance da repairs.
- Growth rates – Kowace shekara rent da farashi increases.
Yadda ake karanta sakamako
- Cash kwarara – Net operating income minus mortgage payments.
- Cap kashi – Net operating income ÷ farashi.
- Cash-on-cash return – First-year cash kwarara ÷ cash An zuba jari.
- Debt Yawan fili da yake rufe rabo – Net operating income ÷ yearly mortgage payments. Lenders often want 1.25 or more.
- IRR – The Kowace shekara return counting cash flows da the final rangwame.
Dabarar lissafi
NOI = rent × 12 × (1 − empty share) − tax − insurance − management. Cap rate = NOI ÷ price. Cash flow = NOI − mortgage payments. Cash-on-cash = cash flow ÷ (deposit + buying costs). IRR is the rate that makes the present value of all yearly cash flows, including the sale, equal to zero.
Misali da aka warware
A 250,000 property with 25% down at 6.5%, rented at 1,500 a month. NOI is 11,800, giving a cap rate of 4.72%. The mortgage is 1,266.01 a month, so cash flow is about −283 a month, debt coverage is 0.78 and the first-year cash-on-cash return is −4.85%. Growth and the sale lift the 10-year IRR to about 7.6%.
Zato da iyakoki
- Fixed costs rise 2% a shekara a the projection.
- Tax on rental income and gains is excluded and can change the result a lot.
- The loan is repaid and the property sold at the end of the holding period.
Kurakuran da aka saba yi
- Ignoring babu komai periods da repairs.
- Judging a deal by the cap rate alone without checking the mortgage.
- Assuming rent da farashi growth continue forever.
Tambayoyin da ake yawan yi
Mene ne cap rate mai kyau?
Ya bambanta bisa kasuwa da haɗari. Kwatanta shi da kashin jinginar gida: idan cap rate ya yi ƙasa da shi, aro yana rage ribar tsabar kuɗinku.
Me ya sa IRR tabbatacce ne alhali cash flow ba shi da kyau (negative)?
Haɓakar ƙimar kadarar da biyan lamunin da ake yi daga sayarwar suna ƙara ga ribar.
Kayan aiki masu alaƙa
Cikakkun bayanai
- Net operating income
- £11,800.00rent Bayan babu komai periods da Kuɗaɗe
- Cap kashi
- 4.72%income ÷ farashi
- Cash An zuba jari
- £70,000.00
- Cash-on-cash return
- -4.85%first-year cash kwarara ÷ cash An zuba jari
- Mortgage payment
- £1,266.01kowane wata
- Debt Yawan fili da yake rufe rabo
- 0.78income ÷ mortgage; lenders like 1.25 ko more
- Riba Bayan 10 shekaru
- £87,851.02cash flow plus sale proceeds, minus cash invested
- Kowace shekara return (IRR)
- 7.6%