More than 90 square meters, 7000 yuan a flat, the total price of 630,000 yuan, leasing 20,000 yuan a year, the need for 31.5 years back to the capital, the return on investment rate of 3.17%. From the land construction to delivery at least 1.5 years, store property rights 40 years, you have 7 years left in the income period. Assuming an average of 5 years of rent for a businessman, a **** can be rented out 8 times, each rent-free period plus half a year of vacancy, and then remove the 4 years, there are still 3 years left. From this perspective, renting is more appropriate than buying.

1. Assuming full purchase.

If you choose to rent, 630,000 of the total house price can be used to invest in profit, as long as your investment return rate of more than 3.17%, you can earn out of the annual rent, rent is more cost-effective than buy. Bank time deposits are 2.75% and 10-year treasury bonds are around 3%, so it's not too difficult to say more than 3.17%.

2. Assume a loan to buy.

The down payment for stores is not less than 50%, interest rates have to be floated, the monthly payment is more than 3,500 yuan, the monthly rent is less than 2,000 yuan, if a one-time payment can be a bit of a gain, mortgage purchase is not enough for bank interest.

In addition to the static math, there are several issues to consider.

1. Will the rent go up?

It will, but it shouldn't be much. Because of the impact of e-commerce, the physical economy is unsustainable, coupled with a change in the consumption habits of residents, prefer to go to a large supermarket consumption. Look around the store, can be a long-term business format is so few, pharmacy, intermediary, community supermarkets, restaurants, hairdressing, and so on, and also more and more difficult.

2. Can the store appreciate in value?

For one thing, the overall amount of business across the country is on the high side of stores everywhere, and for another, the price of stores is generally higher, and developers have long overdrawn the appreciation of space. Now the problem is that the store can not be rented out or sold, unless it occupies an excellent location, the title of the price of 7,000 yuan, it is estimated that the location of the third-tier cities will not be too good.

In summary, it is recommended not to buy, or rent cost-effective.

This is obviously to rent ah. There are three reasons, first, along the street stores by the impact of online shopping is very big, the future is devalued. Secondly, in addition to online follow-up, generally choose the shopping malls in the shopping district with super, along the street stores are marginalized. Thirdly, the developer to sell the business, must be poor, because the good he will choose to self-hold.

Now all the Internet, banks, clothing stores do not have high requirements, that is, the store will be surplus, prices will go down, now difficult to rent, later more difficult

Later development space, the hand has a surplus, certainly to buy cost-effective!

For now, you have your own business to do, even if you don't buy your own store to rent to carry out their own business. Then, we have to see, are you confident enough for your own business, if you have confidence in the next business to carry out, then I suggest that you in the case of capital to meet the purchase of the main.

I personally feel that it is more cost-effective to buy, for the following reasons:

①, if the rent is 20,000 a year, after 40 years of renting, during the period of no price increase in the case of the total rent is 800,000 yuan, after renting for 40 years of the house is the owner's, the equivalent of their own to the owner of the 40 years of the house for the supply of the house

②, if you buy a flat by 7,000, leaving aside the interest aspect of the total **** need to be 630,000 yuan, after 40 years the house is still your own, the house is still your own. 40 years after the house is still your own

③, in addition to the above, in addition to inflation not to mention, on the consideration of the current interest, personal advice to buy, just for reference, thank you