现在买房投资，如果只算房租return的话，不划算
闲来无事做了一个估算。
目前新加坡average rental yield 3.4%, 如果买1M的房产（第二套房），现金（或者CPF) 需要$494,600， 每月房租￥2833 (1M*3.4%/12), 扣除房产税和房租个人所得税，和房贷的利息（假设1.6%， 贷款600K， 五年平均月息为$748)， 最后的收入为 $1170 每月，折合2.84% return on the cash (494K).
如果房贷利息上升至2%， 则投资回报降为2.38%； 如果利息上涨至3%，则回报降为1.21%。
不考虑房产升值，单靠收租，投资房地产还不如买ETF，或者REITS。
Property
Price
1,000,000
Cash
Downpayment
400,000
Stamp Duty
24,600
ABSD
70,000
Total
Cash Upfront
494,600
4%
Invest opportunity cost
$
1,649
Rental Yeild
3.40%
Rental
2,833
Anual
Value
34,000
Property
Tax (mthly)
290
Rental
Income Tax (mthly)
326
Mortgage
600,000
Interest Rate
3.00%
Monthly
Installment
$2,530
Installment
Interest (avg 5 yrs)
$1,420
Condo
Management Fee
300
Total Cost per
month
3,985
Total Profit
(1,151)
Ppty Invest
Return
1.21%
应霭超
表格重贴，格式乱了
Property Price
1,000,000
Cash Down payment
400,000
Stamp Duty
24,600
ABSD
70,000
Total Cash Upfront
494,600
4% Invest opportunity cost
1,649
Rental Yeild
3.40%
Rental
2,833
Anual Value
34,000
Property Tax (mthly)
290
Rental Income Tax (mthly)
326
Mortgage
600,000
Interest Rate
3.00%
Monthly Installment
$2,530
Installment Interest (avg 5 yrs)
$1,420
Condo Management Fee
300
Total Cost per month
3,985
Total Profit
(1,151)
Ppty Invest Return
1.21%