Cómo saber qué inversión inmobiliaria es mejor

Cómo saber qué inversión inmobiliaria es mejor

Comentarios 0 comentarios

Hay varios factores que debes considerar al evaluar una inversión inmobiliaria. Aquí te presento algunos de los más importantes:

  1. Ubicación: La ubicación es uno de los factores más importantes a considerar al evaluar una inversión inmobiliaria. La propiedad debe estar en una zona con buena demanda de alquileres o con potencial de revalorización.
  2. Estado del inmueble: Debes evaluar el estado de la propiedad. Si necesita reparaciones importantes, es posible que necesites invertir tiempo y dinero para ponerla en condiciones adecuadas.
  3. Rentabilidad: Debes evaluar la rentabilidad de la propiedad. Esto incluye el ingreso por alquiler y los costos asociados a la propiedad, como los impuestos, los seguros y el mantenimiento.
  4. Potencial de crecimiento: Debes evaluar el potencial de crecimiento a largo plazo de la propiedad. ¿Es probable que el valor de la propiedad aumente en el futuro? ¿Existen planes de desarrollo cercanos que podrían aumentar el valor de la propiedad?
  5. Flujos de efectivo: Debes considerar los flujos de efectivo esperados de la propiedad. ¿La propiedad generará suficiente flujo de efectivo para cubrir los costos y proporcionar un retorno de inversión atractivo?
  6. Impuestos: Debes considerar los impuestos asociados con la propiedad. ¿Cómo afectarán los impuestos a tu rentabilidad?

En general, la mejor inversión inmobiliaria dependerá de tus objetivos y tus circunstancias personales. Debes evaluar cuidadosamente cada propiedad y compararla con tus objetivos y expectativas.

Después de hacer un análisis cualitativo, hay que hacer un análisis cuantitativo, es decir, calcular su rentabilidad. Punto número 3. La tasa de rentabilidad mide el porcentaje de retorno que obtendrías sobre tu inversión anualmente. Ejemplo. Inmueble que cuesta 100.000 euros y se alquila por 600 al mes e inmueble que cuesta 60.000 euros y se alquila por 400 euros al mes.

Para el primer inmueble:

  • Coste de la propiedad: 100.000
  • Ingreso mensual por alquiler: 600
  • Ingreso anual por alquiler: 600 x 12 = 7.200
  • Tasa de rentabilidad: (7.200 / 100.000) x 100 = 7.2%

Para el segundo inmueble:

  • Coste de la propiedad: 60.000
  • Ingreso mensual por alquiler: 400
  • Ingreso anual por alquiler: 400 x 12 = 4.800
  • Tasa de rentabilidad: (4.800 / 60.000) x 100 = 8.0%

En este caso, podemos observar que el segundo inmueble ofrece una tasa de rentabilidad mayor que el primer inmueble. Por lo tanto, si solo se consideran estos factores, el segundo inmueble podría ser una mejor opción de inversión.

Ha esta tasa de rentabilidad se le llama: rentabilidad económica o rentabilidad sobre el activo. Existen otros tipos de rentabilidad como la rentabilidad financiera que veremos en otros posts.

Para estos cálculos no he tenido en cuenta otros gastos como comunidad de propietarios o IBI para simplificar. Veámoslo con los gastos:

Para el primer inmueble:

  • Costo de la propiedad: 100.000
  • Ingreso mensual por alquiler: 600
  • Ingreso anual por alquiler: 600 x 12 = 7.200
  • Gastos anuales de comunidad de propietarios: 1.200
  • Impuesto de bienes inmuebles anual: 800
  • Ingreso anual neto: 7.200 – 1.200 – 800 = 5.200
  • Tasa de rentabilidad: (5.200 / 100.000) x 100 = 5.2%

Para el segundo inmueble:

  • Costo de la propiedad: 60.000
  • Ingreso mensual por alquiler: 400
  • Ingreso anual por alquiler: 400 x 12 = 4.800
  • Gastos anuales de comunidad de propietarios: 800
  • Impuesto de bienes inmuebles anual: 600
  • Ingreso anual neto: 4.800 – 800 – 600 = 3.400
  • Tasa de rentabilidad: (3.400 / 60.000) x 100 = 5.7%

En este caso, podemos observar que la tasa de rentabilidad de ambas propiedades ha disminuido debido a los gastos de comunidad de propietarios e impuesto de bienes inmuebles. Además, la tasa de rentabilidad del segundo inmueble sigue siendo mayor que la del primer inmueble. Por lo tanto, en términos de rentabilidad, el segundo inmueble sigue siendo una mejor opción de inversión.

Debemos recordar que existen otros factores a considerar al evaluar una inversión inmobiliaria ya enumerados al principio, como la ubicación, el estado de la propiedad y el potencial de crecimiento. Por lo tanto, es importante evaluar cada propiedad en su conjunto antes de tomar una decisión de inversión.

Deja una respuesta

Tu dirección de correo electrónico no será publicada. Los campos obligatorios están marcados con *

We use cookies to personalise content and ads, to provide social media features and to analyse our traffic. We also share information about your use of our site with our social media, advertising and analytics partners.
Cookies settings
Accept
Privacy & Cookie policy
Privacy & Cookies policy
Cookies list
Cookie name Active

Privacy Policy

What information do we collect?

We collect information from you when you register on our site or place an order. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, e-mail address or mailing address.

What do we use your information for?

Any of the information we collect from you may be used in one of the following ways: To personalize your experience (your information helps us to better respond to your individual needs) To improve our website (we continually strive to improve our website offerings based on the information and feedback we receive from you) To improve customer service (your information helps us to more effectively respond to your customer service requests and support needs) To process transactions Your information, whether public or private, will not be sold, exchanged, transferred, or given to any other company for any reason whatsoever, without your consent, other than for the express purpose of delivering the purchased product or service requested. To administer a contest, promotion, survey or other site feature To send periodic emails The email address you provide for order processing, will only be used to send you information and updates pertaining to your order.

How do we protect your information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to?keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) will not be kept on file for more than 60 days.

Do we use cookies?

Yes (Cookies are small files that a site or its service provider transfers to your computers hard drive through your Web browser (if you allow) that enables the sites or service providers systems to recognize your browser and capture and remember certain information We use cookies to help us remember and process the items in your shopping cart, understand and save your preferences for future visits, keep track of advertisements and compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business. If you prefer, you can choose to have your computer warn you each time a cookie is being sent, or you can choose to turn off all cookies via your browser settings. Like most websites, if you turn your cookies off, some of our services may not function properly. However, you can still place orders by contacting customer service. Google Analytics We use Google Analytics on our sites for anonymous reporting of site usage and for advertising on the site. If you would like to opt-out of Google Analytics monitoring your behaviour on our sites please use this link (https://tools.google.com/dlpage/gaoptout/)

Do we disclose any information to outside parties?

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

Registration

The minimum information we need to register you is your name, email address and a password. We will ask you more questions for different services, including sales promotions. Unless we say otherwise, you have to answer all the registration questions. We may also ask some other, voluntary questions during registration for certain services (for example, professional networks) so we can gain a clearer understanding of who you are. This also allows us to personalise services for you. To assist us in our marketing, in addition to the data that you provide to us if you register, we may also obtain data from trusted third parties to help us understand what you might be interested in. This ‘profiling’ information is produced from a variety of sources, including publicly available data (such as the electoral roll) or from sources such as surveys and polls where you have given your permission for your data to be shared. You can choose not to have such data shared with the Guardian from these sources by logging into your account and changing the settings in the privacy section. After you have registered, and with your permission, we may send you emails we think may interest you. Newsletters may be personalised based on what you have been reading on theguardian.com. At any time you can decide not to receive these emails and will be able to ‘unsubscribe’. Logging in using social networking credentials If you log-in to our sites using a Facebook log-in, you are granting permission to Facebook to share your user details with us. This will include your name, email address, date of birth and location which will then be used to form a Guardian identity. You can also use your picture from Facebook as part of your profile. This will also allow us and Facebook to share your, networks, user ID and any other information you choose to share according to your Facebook account settings. If you remove the Guardian app from your Facebook settings, we will no longer have access to this information. If you log-in to our sites using a Google log-in, you grant permission to Google to share your user details with us. This will include your name, email address, date of birth, sex and location which we will then use to form a Guardian identity. You may use your picture from Google as part of your profile. This also allows us to share your networks, user ID and any other information you choose to share according to your Google account settings. If you remove the Guardian from your Google settings, we will no longer have access to this information. If you log-in to our sites using a twitter log-in, we receive your avatar (the small picture that appears next to your tweets) and twitter username.

Children’s Online Privacy Protection Act Compliance

We are in compliance with the requirements of COPPA (Childrens Online Privacy Protection Act), we do not collect any information from anyone under 13 years of age. Our website, products and services are all directed to people who are at least 13 years old or older.

Updating your personal information

We offer a ‘My details’ page (also known as Dashboard), where you can update your personal information at any time, and change your marketing preferences. You can get to this page from most pages on the site – simply click on the ‘My details’ link at the top of the screen when you are signed in.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Your Consent

By using our site, you consent to our privacy policy.

Changes to our Privacy Policy

If we decide to change our privacy policy, we will post those changes on this page.
Save settings
Cookies settings