« 3月IPOは | Main | 日経平均16,300円回復 »

March 11, 2006

兼業大家のススメ①

サラリーマンをしていてギャンブルを除いて手っ取り早い副収入源が株だが、もう一つの手段として人気があるのがマンションなどの大家。

実際に株をしている人は儲けたお金で将来は不動産収入によって安定した収入を得ようと思っている人も多いのでは?

例えば2400万円の物件を購入して月々10万円の家賃収入が入れば10万円×12ヶ月=120万円。120万円÷2400万円で5%の表面利回りとなる。

これなら銀行から3.8%の20年長期ローンを組んでも見かけは大丈夫に見える。

だから、たまに新聞等で「東京での投資用マンション」の広告があり、ローンを組んでも人に賃貸すれば家賃の一部が手元にお金が残りますのような宣伝文句を謳っているのがある。

ところが、この場合の表面利回りはあくまで「表面」なので、その裏で出て行くお金のことは計算に入れていない。

実際には管理負担金や共益費も必要になってくる。これも家賃に組み入れれば良いのだが。

それにびっくりするくらい日本は土地に対する税金は高い。購入初年度は莫大な取得税が取られるほか毎年きっちり固定資産税を取られる。

そして残った僅かな所得にすら20%程の高率の税金を払う必要が出てくる。しかも、これは確定申告なのでかなり面倒臭い。(金額によっては申告しなくても良いが・・・)

もっとも、確定申告をすればいかにサラリ-マンが安い所得税しか払っていないことに気付くと思うけれど。

また、新築マンションの場合は常に空室リスクもある。だから、新築の投資用マンションを売りこもうとする業者は家賃保証(満室保証)の名目で大家から手数料を取ることを一生懸命考える。しかも、その家賃保証も実際に人が集まり易い新築後数年のケースが多く、陳腐化してくるころにはそのような家賃保証をしないケースが大半である。

本来本当に儲かるのならば、新築のマンションを建てて自分達で賃貸に廻せば良いだけの話しであって、人に「投資用マンションをやれば儲かりますよ」と勧めてくる自体可笑しな話である。

だから、新築のマンションで投資用にと勧めてくる業者は信用しない方が良い。

では、兼業大家は無理かと言うとそうでもない。中古部件を丹念に探して行くととんでもない掘り出し物に出会うことがある。

詳しくはまた後日で・・・

カブログランキング参戦中!!良かったらクリックお願いします。

|

« 3月IPOは | Main | 日経平均16,300円回復 »

「株」カテゴリの記事

Comments

Your website is very the most informative. I enjoyed your website a lot. Thank you.

Posted by: cash advance | July 07, 2010 at 09:34

steak1-8510.cocolog-nifty.com is great! Online Payday Loans Better Than Offline Popularity among borrowers when it comes to online payday loans has literally surged in previous years and seems to show now signs of slowing down

Posted by: toronto payday loans | July 24, 2010 at 04:57

Your weblogblog site is great. Thank you so much for presenting a great deal helpful important information. I will bookmark bookmark your blog page and will be surely returning. Once again, I respect your entire work as well as supplying a huge amount of unbiased tips to the people.

Posted by: payday loans | August 25, 2010 at 15:56

Hi buddy, very informative post. Please keep them coming.

Posted by: payday loans online | September 21, 2010 at 17:22

Easily, the post is really the greatest on this laudable topic. I concur with your conclusions and will thirstily look forward to your future updates. Saying thanks will not just be sufficient, for the fantastic lucidity in your writing. I will instantly grab your rss feed to stay privy of any updates. Solid work and much success in your business enterprise!

Posted by: canadian payday loans | September 22, 2010 at 05:07

I am doing something of the same interest and will be taking note on this .Thanks. xfukzjpmdum

Posted by: faxless payday loans | September 23, 2010 at 04:07

Great concepts on this website. It's rare these days to find websites with data you are seeking. I am happy I chanced on this webpage. I will certainly bookmark it or even register for your rss feeds simply to be updated on your new posts. Keep up the nice job and I'm sure some other folks researching valued information will actually stop by and benefit from your website for resources.

Posted by: loans online no fax | September 26, 2010 at 04:38

This is such a great resource that you are providing and you give it away for free. I love seeing websites that understand the value of providing a quality resource for free. It is the old what goes around comes around routine. Did you acquired lots of links and I see lots of trackbacks??

Posted by: loans in canada | September 26, 2010 at 14:24

Thanks for such a great post and the review, I am totally impressed! Keep stuff like this coming.

Posted by: loan canada bad credit | September 27, 2010 at 02:56

Thanks for good news! Your site is very useful for me. I bookmarked your site!

Posted by: bad credit loans toronto | September 27, 2010 at 17:20

Thanks for sharing your thoughts. Take care.

Posted by: loan in british columbia | September 28, 2010 at 03:39

Hi webmaster, commencers and everybody else !!! The blog was absolutely fantastic! Lots of superb information and inspiration, both of which we all need! Maintain them coming... You all do such a fabulous job at such Concepts... can't tell you how much I, for one appreciate all you do!

Posted by: payday loans ontario | September 28, 2010 at 17:29

I will submit a link to this blog on my site. I'm sure my readers will find this info really outstanding.

Posted by: loans for bad credit | September 29, 2010 at 04:16

Exceptional read, I just passed this onto a colleague who was doing a little research on that. And he actually bought me lunch because I found it for him smile So let me rephrase that: Thanks for lunch!

Posted by: weight loss | October 02, 2010 at 09:37

I am doing some thing of the same interest and will be taking note on this .Thanks.

Posted by: loss weight | October 02, 2010 at 16:56

Thanks for sharing your thoughts. Take care.

Posted by: bad credit loans | October 03, 2010 at 18:14

This is such a perfect resource that you are providing and you give it away for free. I love seeing websites that understand the value of providing a quality resource for free. It is the old what goes around comes around routine. Did you acquired lots of links and I see lots of trackbacks??

Posted by: loans in canada with bad credit | October 04, 2010 at 08:10

Usually I do not write on blogs, but I would like to say that this article really convinced me to do so! Congratulations, exceptionally nice publish.

Posted by: loans calgary | October 15, 2010 at 05:57

Wonderful read, I just passed this onto a colleague who was doing a little research on that. And he actually bought me lunch because I found it for him smile So let me rephrase that: Thanks for lunch!

Posted by: loans for people with bad credit | October 16, 2010 at 03:23

This online site is a complete net resource for this. You'll find all you wanted or needed to know, here.

Posted by: loan money | October 17, 2010 at 04:45

Awesome concepts on this website. It's rare these days to find websites with data you are seeking. I'm happy I chanced on this webpage. I will certainly bookmark it or even register for your rss feeds simply to be updated on your new posts. Keep up the nice job and I'm sure some other folks researching valued information will actually stop by and benefit from your site for resources.

Posted by: loan application | October 18, 2010 at 09:42

I will publish a link to this blog on my website. I'm sure my readers will find this info really excellent.

Posted by: bad credit loans | October 19, 2010 at 10:42

Thanks for making such a killer blog. I come on here all the time and am floored with the fresh information here.

Posted by: laptop computers | October 20, 2010 at 02:45

Thanks for making such a killer blog. I come on here all the time and am floored with the fresh information here.

Posted by: loan | October 20, 2010 at 10:50

Finally, an issue that I am passionate about. I have looked for information of this caliber for the last several hours. Your website is greatly appreciated.

Posted by: loan with bad credit history | October 21, 2010 at 03:46

This website is the ultimate world-wide-web page.

Posted by: loans for bad credit | October 25, 2010 at 17:49

This website is the incredibly best web portal.

Posted by: loan bad credit canada | October 26, 2010 at 04:28

This website is the superior internet sites.

Posted by: payday lenders | October 27, 2010 at 08:03

This website is the top rated world-wide-web site.

Posted by: loan no credit | October 28, 2010 at 03:26

This website is the most desirable web-site.

Posted by: bad credit loan personal | October 30, 2010 at 02:02

This website is the right web blog.

Posted by: bad credit loan personal | November 01, 2010 at 15:51

This website is the preferred net page.

Posted by: payday loans ontario | November 02, 2010 at 07:31

This website is the leading web site.

Posted by: bad credit loans canada | November 03, 2010 at 04:36

This website is the highest quality ?nternet site.

Posted by: bad credit loans canada | November 04, 2010 at 07:44

This website is the preferred website.

Posted by: bad credit payday loan | November 05, 2010 at 06:53

This website is the most popular net page.

Posted by: bad credit loans canada | November 06, 2010 at 02:40

This website is the preferred web site.

Posted by: cash advance loans bad credit | November 06, 2010 at 10:28

This website is the finest online site.

Posted by: bad credit loans toronto | November 07, 2010 at 04:28

This website is the preferred web portal.

Posted by: cash advance canada | November 09, 2010 at 18:07

This website is the recommended web-site.

Posted by: personal loans with bad credit | November 10, 2010 at 07:38

This website is the incredibly best web blog.

Posted by: cash advance canada | November 10, 2010 at 17:19

This website is the perfect net page.

Posted by: get loan with bad credit | November 11, 2010 at 07:57

This website is the top rated world-wide-web site.

Posted by: apply for loans in canada | November 11, 2010 at 18:09

This website is the most significant blog site.

Posted by: cash advance online | November 12, 2010 at 05:25

This website is the most significant internet site.

Posted by: payday loans | November 13, 2010 at 03:40

This website is the most helpful web property.

Posted by: get a loan with bad credit | November 13, 2010 at 12:33

This website is the most excellent internet sites.

Posted by: national cash advance | November 14, 2010 at 05:04

This website is the right world-wide-web site.

Posted by: loans bad credit | November 15, 2010 at 04:25

This website is the ideal web portal.

Posted by: personal loans | November 15, 2010 at 14:29

This website is the finest web blog.

Posted by: payday loans online | November 16, 2010 at 09:41

This website is the most useful world-wide-web site.

Posted by: payday loans in canada | November 17, 2010 at 08:16

This website is the most useful internet sites.

Posted by: payday loan in canada | November 18, 2010 at 04:14

This website is the right web site.

Posted by: personal loans bad credit | November 19, 2010 at 09:21

This website is the top rated web portal.

Posted by: loans bad credit canada | November 20, 2010 at 04:24

This website is the top web portal.

Posted by: diet for quick weight loss | November 25, 2010 at 16:37

This website is the ultimate web portal.

Posted by: fast weight loss tips | November 29, 2010 at 15:17

This website is the prime web blog.

Posted by: bad credit loans | November 30, 2010 at 11:19

This website is the most significant web property.

Posted by: organic mattress | December 07, 2010 at 17:19

This website is the most excellent web blog. csxapolg

Posted by: online payday loans | December 18, 2010 at 11:03

This website is the ideal website. apyfljbv

Posted by: student financial aid | December 19, 2010 at 06:05

This website is the superior online site. ldsqmlla

Posted by: sample resume | December 22, 2010 at 15:40

I am looking for michigan football online watch. How can I find it?

Posted by: football online | December 24, 2010 at 13:52

Thanks for the info about ?????????: ??????????????3??

Posted by: calendar template | January 08, 2011 at 04:27

Your post about ?????????: ??????????????3?? rocks!

Posted by: payday loan online | January 09, 2011 at 07:28

Amazing post about ?????????: ??????????????3??!

Posted by: digital photo frame | January 09, 2011 at 15:32

Unfogettable post about ?????????: ??????????????3??!

Posted by: fitness gym | January 10, 2011 at 02:44

Unbelievable post about ?????????: ??????????????3??!

Posted by: green home | January 10, 2011 at 09:26

Very very nice post about ?????????: ??????????????3??!

Posted by: hair removal | January 10, 2011 at 16:25

I appreciate all your hard work and your post about ?????????: ??????????????3??!

Posted by: home made pizza | January 11, 2011 at 02:38

Excellent read about ?????????: ??????????????3??!

Posted by: school grants | January 12, 2011 at 14:06

Significant blogpost in ?????????: ??????????????3??!

Posted by: payday loan advance | January 13, 2011 at 13:24

Post a comment



(Not displayed with comment.)




TrackBack

TrackBack URL for this entry:
http://app.cocolog-nifty.com/t/trackback/92653/9035864

Listed below are links to weblogs that reference 兼業大家のススメ①:

« 3月IPOは | Main | 日経平均16,300円回復 »