A 6% return will not pay your monthly loan instalment.
Gross, net and cash flow answer three different questions. Let’s put the calculations in the right order.
THE IMMOSHARK JOURNAL
A little reading.
A broader perspective.
Analysis, methods and points to watch to open the right document and ask the right question.
8 articles
A purchase offer is not a reservation.
Set your conditions before committing. These are the questions to settle with your notary.
You buy an apartment. And a co-ownership.
Shared areas have their own budget, decisions and works. Your file does not end at the apartment door.
Write down your price ceiling before negotiating.
A price that changes at every viewing is not a limit. Separate the property’s value from your investment decision.
A useful viewing starts before the doorbell.
Prepare questions, photograph methodically and leave with a document list: turn the viewing into a decision tool.
The EPC is a starting point. Not a quote.
Reading a certificate, identifying questions and costing a project are three separate steps.
The rent-free month your calculation forgot.
An annual average can hide the real cash requirement. Test the year when vacancy occurs.
A file is your property’s best memory.
Simple filing helps trace figures and decisions, even years later.