Risks of investing in office buildings
1. Due to the large amount of investment in office buildings, it is necessary to guard against the risk of depreciation when investing in office buildings. If the position of the office building itself depreciates for some municipal or other reasons, then the office building itself will inevitably be greatly affected; If too many new buildings emerge in the invested office buildings in the next few years, it will also have an impact on the existing office market. For example, this year's Zhongguancun office market, due to the large supply, the original and new digestive capacity is limited, resulting in indigestion of new office buildings in the region, and the rent of old office buildings has fallen.
2. In terms of mortgage, the unit price of pure office buildings is mostly above10.5 million yuan/square meter. Except for marginal areas or the project itself, the mortgage loan is less than 60%, which requires high down payment ability and strong repayment ability. In terms of interest rate, the office interest rate is nearly 1% higher than the residential interest rate. In addition, there are taxes and fees for purchasing real estate, taxes and fees involved in leasing, property tax, high discount on initial leasing, property management fees, own management fees, depreciation fees for decoration, furniture and construction, which account for about 20% of the investment.
3. Both office buildings and houses have investment functions, but their attributes are completely different. The core difference between the two is that residence is a kind of "means of subsistence" and office building is a kind of "means of production". When the office building can't be rented out, it can only be left idle, and it can't live by itself like a house. This will not only fail to generate other profits, but will consume funds.
Benefits of buying an office building
Compared with other industries, the threshold for investing in office buildings is not very high, and there is no high professional requirement for investing in office buildings. There is still a big difference between office buildings and traditional houses. The advantages of office buildings are long lease period and stable tenants. There are many unknowns about this kind of investment. With the rapid development of economy, a seemingly remote place may be the city center in ten years. Once this investment site becomes a prosperous city, the income will certainly not double. Most of the 40-year-old property office buildings are characterized by high-rise and small-area huxing. In this case, the development cost is correspondingly reduced, so the total sales price is relatively low. In addition, the purchase of office buildings is not limited.