Kalkulator properti sewan
Arus kas, cap rate, cash-on-cash return lan total return properti sewan utawa properti investasi.
Babagan Kalkulator properti sewan
Arus kas, cap rate, cash-on-cash return lan total return properti sewan utawa properti investasi.
Bagean saka seksi “KPR & properti” SmartCalcy. Lumaku ing browser panjenengan tanpa akun, nganggo mata uang lan satuan panjenengan dhewe (ganti ing sisih ndhuwur kaca), lan menehi perkiraan mung kanggo informasi, mula priksa pandhuan resmi sadurunge ngandelake asile.
Carane nganggo Kalkulator properti sewan
Apa sing dietung lan kapan nganggo
Evaluasi properti sewaan utawa investasi saka arus kas, cap rate, cash-on-cash return, cakupan utang lan total asil yen didol sawise wektu nduweni.
Carane nganggo, langkah demi langkah
- Lebokna rega, persentase DP lan syarat KPR.
- Lebokna sewa saben sasi, wektu kosong sing dikarepake lan biaya operasional.
- Tambahna asumsi kenaikan sewa lan rega, suwene arep nduweni lan biaya adol.
- Priksa arus kas dhisik, banjur cap rate, cash-on-cash lan IRR.
Tegese saben input
- Rent saben sasi – Gross rent Sadurunge Biaya.
- Kosong periods – Bagekake rent lost nganti gaps between tenants.
- Pajak lan charges, insurance – Saben taun property Biaya.
- Management lan repairs – Persentase rent set aside kanggo agents, maintenance lan repairs.
- Growth rates – Saben taun rent lan rega increases.
Carane maca asile
- Cash aliran – Net operating income minus mortgage payments.
- Cap tarif – Net operating income ÷ rega.
- Cash-on-cash return – First-year cash aliran ÷ cash Diinvestasikake.
- Debt Daya sebar rasio – Net operating income ÷ yearly mortgage payments. Lenders often want 1.25 or more.
- IRR – The Saben taun return counting cash flows lan the final obral.
Rumus
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.
Conto petungan
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%.
Asumsi lan watesan
- Fixed costs rise 2% saben taun ing 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.
Kesalahan umum
- Ignoring kosong periods lan repairs.
- Judging a deal by the cap rate alone without checking the mortgage.
- Assuming rent lan rega growth continue forever.
Pitakonan sing kerep ditakokake
Pira cap rate sing apik?
Beda-beda miturut pasar lan risiko. Bandhingake karo suku bunga KPR: yen cap rate luwih asor, utang nyuda asil kas panjenengan.
Kenapa IRR positif nalika arus kas negatif?
Mundhake nilai properti lan utangan sing dilunasi saka dodolan nambah asil.
Piranti sing gegandhengan
Rincian
- Net operating income
- £11,800.00rent Sawise kosong periods lan Biaya
- Cap tarif
- 4.72%income ÷ rega
- Cash Diinvestasikake
- £70,000.00
- Cash-on-cash return
- -4.85%first-year cash aliran ÷ cash Diinvestasikake
- Mortgage payment
- £1,266.01saben sasi
- Debt Daya sebar rasio
- 0.78income ÷ mortgage; lenders like 1.25 utawa more
- Bathi Sawise 10 taun
- £87,851.02cash flow plus sale proceeds, minus cash invested
- Saben taun return (IRR)
- 7.6%