Kikokotoo cha nyumba ya kupangisha
Mtiririko wa pesa, kiwango cha mtaji (cap rate), faida ya pesa taslimu kwa pesa taslimu na faida ya jumla kwenye nyumba ya kupangisha au ya uwekezaji.
Kuhusu Kikokotoo cha nyumba ya kupangisha
Mtiririko wa pesa, kiwango cha mtaji (cap rate), faida ya pesa taslimu kwa pesa taslimu na faida ya jumla kwenye nyumba ya kupangisha au ya uwekezaji.
Sehemu ya kitengo cha “Mikopo ya nyumba na mali isiyohamishika” cha SmartCalcy. Kinaendeshwa kwenye kivinjari chako bila akaunti, kinatumia sarafu na vipimo vyako (vibadilishe juu ya ukurasa), na kinatoa makadirio kwa taarifa tu, kwa hiyo angalia mwongozo rasmi kabla ya kutegemea matokeo.
Jinsi ya kutumia Kikokotoo cha nyumba ya kupangisha
Kinachohesabu na wakati wa kukitumia
Tathmini nyumba ya kupangisha au ya uwekezaji kwa mtiririko wa pesa, kiwango cha faida ya mtaji (cap rate), faida ya pesa taslimu kwa pesa taslimu, uwezo wa kulipa deni na faida ya jumla ukiiuza baada ya kipindi cha umiliki.
Jinsi ya kukitumia, hatua kwa hatua
- Weka bei, asilimia ya malipo ya awali na masharti ya mkopo wa nyumba.
- Weka kodi ya pango ya kila mwezi, vipindi vinavyotarajiwa vya kukaa tupu na gharama za uendeshaji.
- Ongeza makadirio ya ukuaji wa kodi ya pango na bei, muda utakaoimiliki na gharama ya kuuza.
- Angalia mtiririko wa pesa kwanza, kisha cap rate, faida ya pesa taslimu kwa pesa taslimu na IRR.
Maana ya kila ingizo
- Rent kwa mwezi – Gross rent Kabla Gharama.
- Tupu periods – Asilimia ya rent lost hadi gaps between tenants.
- Kodi na charges, insurance – Kila mwaka property Gharama.
- Management na repairs – Asilimia ya rent set aside kwa agents, maintenance na repairs.
- Growth rates – Kila mwaka rent na bei increases.
Jinsi ya kusoma matokeo
- Cash mtiririko – Net operating income minus mortgage payments.
- Cap kiwango – Net operating income ÷ bei.
- Cash-on-cash return – First-year cash mtiririko ÷ cash Kilichowekezwa.
- Debt Eneo linalofunikwa uwiano – Net operating income ÷ yearly mortgage payments. Lenders often want 1.25 or more.
- IRR – The Kila mwaka return counting cash flows na the final ofa.
Fomula
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.
Mfano uliofanyiwa kazi
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%.
Dhana na mipaka
- Fixed costs rise 2% kwa mwaka huko 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.
Makosa ya kawaida
- Ignoring tupu periods na repairs.
- Judging a deal by the cap rate alone without checking the mortgage.
- Assuming rent na bei growth continue forever.
Maswali yanayoulizwa mara kwa mara
Cap rate nzuri ni ipi?
Inatofautiana kulingana na soko na hatari. Ilinganishe na kiwango cha mkopo wa nyumba: ikiwa cap rate iko chini yake, kukopa kunapunguza faida yako ya pesa taslimu.
Kwa nini IRR ni chanya wakati mtiririko wa pesa ni hasi?
Ukuaji wa thamani ya mali na mkopo kulipwa kupitia mauzo huongeza faida.
Zana zinazohusiana
Maelezo
- Net operating income
- £11,800.00rent Baada tupu periods na Gharama
- Cap kiwango
- 4.72%income ÷ bei
- Cash Kilichowekezwa
- £70,000.00
- Cash-on-cash return
- -4.85%first-year cash mtiririko ÷ cash Kilichowekezwa
- Mortgage payment
- £1,266.01kwa mwezi
- Debt Eneo linalofunikwa uwiano
- 0.78income ÷ mortgage; lenders like 1.25 au more
- Faida Baada 10 miaka
- £87,851.02cash flow plus sale proceeds, minus cash invested
- Kila mwaka return (IRR)
- 7.6%