房地产投资发达或大致退休的目的可以说是越来越“流行”了,成功的例子在讲座,在媒体上广泛的宣传与报道,让很多人因此以为买房子一定能够发达; 而事实上,很多投资者却经常闹到血本无归, 或“普普通通,不赚不亏”,这都是因为他们往往会犯下一些房地产投资最普通的错误。

与70,80年代比较,今天投资房地产更快更容易发达,但也得面对更强更大的风险。房地产已经不再是一项普通的投资或买卖,它已经是一种商品,也已经是一种全球化的产品,更是一种经济指标,因此,还停留在父亲时代的年轻投资者就往往犯下了严重的错误,可能导致血本无归。

错误常发生在第一次购屋的朋友们,根据我在网上的调查,80%以上的投资者第一次买房都“不理想”,甚至后悔。

列出以下10项最普通的错误,看看是不是你投资不如意的原因,如果是的话,接下来给予的“劝告”足以让您在下一个投资顺顺利利了!

1. 投资房地产但不愿投资自己

一般投资者都会忽略教育的重要性,他们认为曾经看过一本投资兵法或是网路投资论坛上毫无考证的资料就是获取正确的知识,资讯来辅助你的判断,若接受错误讯息,会直接地影响你的投资成果。

成功投资者乐意接受系统的投资教育,并向不同领域的专业人士寻求意见,以便能在投资中做最正确的决定。因为投资的决定很简单,就是“买”或“不买”,而这简单的决定的背后就是一个代价,就是“学习学习再学习”,而我在一些专栏文章里都一而再的强调,上课,读书,网络都是教育系统的一部分。

2. 房地产投资是一门生意

大家都希望能把生意越做越大,如果把房地产投资当作一门生意,投资的决定就必须是一项通过企业决策式的方程式去进行,并想尽办法寻求最高的回酬。我们做生意要步步为营,投资房地产业一样。投资一个动辄上万的产业必须要非常讲究,从选购,谈判,装修,管理到出售,都是一项复杂的程序,需要用心经营才能获取最高的利润。

一般人犯上了这个简单的错误,要买房子但不认真进行,以为房子买了丢在一旁就自然会增值,会为您带来财富,事实上,投资房地产与经营生意一样,虽然可以为您赚个百万,但也一样可以让人破产,记得,买房子是一门生意,要步步为营来经营。

真正的投资者在购买任何一向房地产都会以生意的角度来决定,这包括买给自己居住的房子,也必须以其升值的潜能为出发点。

3. 没有建立个人贷款信誉

投资房地产用现金或用自己的钱来购买,您就不是我们所谓的投资家了。我常说,有钱没钱一样可以在投资房地产发达,有钱要投资,没钱更要投资!

在储蓄您的个人贷款信誉之前,更重要的是投资您的个人信誉,只有这样才Leverage,才能够以最少的钱买最大的房子。

很多月薪族觉得自己资本不足,无法没房子;但事实上是他们根本没有贷款信誉。 不懂得善用融资便利与个人信誉,与银行贷款。目前很多年轻人背负卡债,导致失去贷款信誉,如此一来要贷款买房子更是天方夜谭了。

记得,要买房就必须先建立您的贷款信誉与资格,或至少得向亲戚朋友借用信誉,来开始您的投资旅程。

4. 从错误的地方获取错误的意见

房地产投资者另一项最不应该犯的错误就是从错误的地方得到错误的意见而做出错误的买房决定或对象。

这些投资者看了房子喜欢去问姨妈姑姐,或者半桶水的“专业”人士的意见。若轻易听信他人的意见,分分钟都会损失上千万的可能性。

记得,要投资房地产就一定要了解从哪里能够得到最正确的信息,更重要的是哪里能够以最快的速度传递,另外,参与房地产投资者网络,并与其圈子内的朋友频繁互动,也是获取正确信息之一。

房地产投资网络一般上都会有一些专业人士,这些人都是对房地产深有研究与见解的人士,跟他们互相交流与分享肯定会对你更有益。

我常劝告我的投资客户,投资最好能有一个团体,更理想的是一群投资,这可以大幅度的降低投资的风险,这就是投资成功的法则之一。

5. 错误印象作祟

许多新产业的展示单位都会装修得美轮美奂,造成产业“新鲜人”对其印象良好而做出购屋的决定,但事实上其完成屋却与展示单位相差18里,这当然是回到之前经验不足与知识缺乏造成的后果。

买房不是靠印象,更不是靠感情,是一项真正的商业决策,实事求事,要知道买到的房子到底“真正的料”有多少。

事实上,一般人都会犯下情感决策的错误,比如说第一次置产时选择靠近岳母家或自己熟悉的地区,而忽略产业的升值空间。更有一些投资者是靠对房屋推销员的印象而作出决定,这都是不明智的,因为销售员的好坏并不等于房子盈利的多寡。

作为一名精明的投资者必须懂得研究产业的潜能,也必须确定信息的可靠度,不随便让外界因素影响自己对选择产业的判断。

买房子因为错误的决定除了以上5项,还有更多,下一篇将会与各位分享的包括买了之后也可能犯下严重的错误,导致原本应该开着大门等着花绿绿的钞票送上门来,结果反而带着麻烦回家,有钱买房肯定是要快快乐乐,下一篇再谈如何当一位快乐的投资者!

8923 意见

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