For a 500,000 facade house, the monthly rent is 4,000 yuan, and the annual rent is 48,000 yuan. The rate of return is only 3.2%. Such shops have no investment value at all, and even after starting, they will face the problem of empty shops and difficulty in selling. You know, at present, all risk-free rated deposits on the market can achieve a return of about 4%, and those of private banks with fixed deposits over 3 years can also achieve a risk-free return of 5.5%~6%. Do you think this 3.2% investment in shops is necessary? The investment of shops mainly depends on the rental rate of return, not its appreciation rate, because the tax payment mode of shops investment is different from that of houses. Among them, the value-added tax accounts for a very high proportion, which means that the greater the appreciation of your store, the higher the value-added tax you pay, which leads to the lower your appreciation benefit. Therefore, buying a shop depends on whether the rental return rate is qualified or not, and whether the lot is excellent or not! (1) At present, the general rental return rate of shops is around 3%~6%, which can&;t beat inflation, or even beat some deposit and wealth management products. This kind of shops are mainly concentrated in the third, fourth and fifth tier cities, and the threshold for investment is low, ranging from hundreds of thousands to millions. However, the rental income is very low, so it is not worth investing, and it belongs to unqualified shops. (2) Shops with a rental return rate of 7%~10% are basically qualified shops, because they outperform most of the wealth management products in the market and can resist inflation. However, the investment threshold of such shops is very high, mainly concentrated in first-line, new first-line and strong second-line cities, ranging from several million to tens of millions. We need to wait patiently for such shops to appear, and most of them are new shops. At the same time, they are also called qualified shops, and they can invest when they see them. (3) 10%~15% of shops. This kind of shop is very rare, mainly concentrated in the downtown areas of Qiangxian and Xinxian. And most of these shops are a rent-only, not-for-sale model, basically all of which are fixed or open for commercial use to send &”;big customers&”;. If you have such a relationship and can get a shop with such a rate of return, remember, don&;t miss it. We call it a very high-quality shop, which is extremely scarce and belongs to the best! ! So, on the whole, the return rate of your shop is only 3.2%, so you should give it up. There is no need to spend 1.5 million to make yourself suffer. Moreover, renting and selling unqualified shops in the future is a serious problem, which is not worth the candle! A word from a family, to correct me. Follow me and take you to know more about the real logic behind finance.