Buy a parking space in the community 1.5 million, and rent a parking space for 300 yuan a month. Is it cost-effective to buy or rent?

Nowadays, in many urban communities, the house is the money of the house and the parking space is the money of the parking space. I worked hard to buy a house. Is it worth buying another parking space? Today we will take a look at this netizen's problem. The parking space in the community was bought out at one time, with a total price of 6.5438+0.5 million. After that, we only need to pay the parking management fee in 25 yuan every month, which is the parking management fee in 300 yuan every year. If you don't buy it, you can also rent a car space. Parking space rent is 300 yuan every month. Is it cost-effective to buy or rent a parking space?

In fact, there are many uncertainties in this issue. But we can also calculate the current account clearly first, and look at it according to the current state, whether it is cost-effective to buy or rent. First of all, the total cost of buying a parking space for one year is only the management fee, one year in 300 yuan. If you rent a car, it's 300 yuan in January and 3600 yuan a year. Renting a car costs 3300 yuan more than buying a car.

But if you rent a car, you can save this 1.5 million cash. There is no need to buy high-risk financial management now. Normal and stable bank financing interest is 4%~4.5%, and here we will calculate it according to the safest 4%. 15,000 yuan with 4% interest a year, totaling * * * 6,000 yuan. In this way, combined with the income from financial management, renting a parking space saves 2700 yuan a year than buying a parking space. This is the immediate benefit.

But there are two practical problems, that is, the price of parking spaces may rise in the future, and the rental price of parking spaces may also rise in the future, which requires us to weigh it ourselves. First of all, it depends on the proportion of the total number of households in our community to the total number of cars. If the total number of households is far less than the total number of cars, and there are multiple free parking spaces, the price of parking spaces will generally not fluctuate greatly, and the rent will generally not change. If the parking spaces in this community are tight and the proportion of the total number of households to the total number of parking spaces is lower than 1: 1, then the parking spaces in this community may be scarce. After all, every household now has a car and things are scarce. In the long run, you can also choose to buy a parking space.

At present, the general ratio between the total number of newly-built houses and the total number of cars is1:1.2 ~1:1.5. As long as this value can be guaranteed, the number of parking spaces is generally no problem. Of course, there are special circumstances. For example, your community is in a relatively prosperous area, and there is almost no parking lot around the community, so it is difficult for you to park outside the community. In this case, the price of parking spaces in your community may increase year by year. If your community is currently in the suburbs, you can park on the road outside the community, then the parking space in your community is unlikely to increase in price in the future, and may even fall.

In short, in view of your situation, from the immediate interests, renting a parking space is more cost-effective than buying a parking space. As for the long-term perspective, how to make a good deal depends on the appreciation space of parking spaces in your community. However, there is little room for appreciation of general parking spaces. When I bought it, the house price in our community has risen by nearly 50%. However, the price of parking spaces remained basically unchanged at that time. At present, two-thirds of the parking spaces have not been sold, and there are far more people renting parking spaces than buying parking spaces.

In addition, whether the parking space is worth buying depends on whether there is property right. Many parking spaces only have the right to use for 40 years, and there is no title certificate. He is different from a house. It is difficult for the price of parking spaces without property rights to rise. Unless the situation is very special, individuals prefer to rent a car space.

The above content is pony's personal opinion, hoping to help you. You are also welcome to comment in the comments section below, and talk about your views on 1.5 million parking spaces, and rent 300 yuan monthly. Should I buy it or rent it?

This article comes from car home, the author of the car manufacturer, and does not represent car home's position.