What is profitable to rent in the winter. How to save and earn tens of thousands by renting and renting anything. Registration of contractual relations

“Do you have an apartment?”, “And a car?” - the answer to these questions somehow immediately changes the attitude towards a person. It is believed that if you bought yourself something expensive, then you have achieved a certain position in society. Somewhere it is, because for all these purchases you need to earn money. But what if the purchase is in principle not a necessity?

A few days ago, I invited my new friend to take a boat ride along the Dnieper. From previous communication with her, I concluded that she was from a wealthy family. And here's the dialogue we got:

- Hello! I'm thinking of taking a boat trip while the weather is good. Will you keep me company?

- Do you have a boat?

I go boating once a year or less, so buying a boat has always seemed stupid to me. But this dialogue made me think about why some people strive to buy and own everything without fail, while others live the way they want and, if necessary, rent things.

Ownership is, in fact, the same lease.

When a married couple buys or takes a mortgage on an apartment, this causes approval in society, or at least understanding. A young family wants to build a nest for itself, wants stability, so that the children have a place to live and something to pass on by inheritance. And in general, real estate is one of the few more or less reliable ways to invest capital. After all, if you have the funds, why not buy an apartment?

We will not even consider the examples of some wealthy people who do not buy apartments for themselves, but live in rented housing (like Artemy Lebedev). Apartments are now painfully overvalued, even people who do not have deep knowledge in the fields of real estate and construction understand this. If you calculate the cost of an apartment (let it be $200-500 thousand) and compare it with rent (let it be $10 thousand a year or $500 thousand over 50 years), it turns out that the costs of buying and renting are approximately comparable. Of course, owning an apartment, like renting, has its obvious pros and cons. The only catch is that ownership is, in fact, the same lease.

Nothing I have is truly mine.
Dido

How long will the house you bought last? 30, 40, 100 years? If you think that everything will be fine with your apartment in 50 years, look at the Khrushchevs. In general, very few houses outlive their owners. It turns out that buying an apartment is like a long-term one. Not without reason, in the same China, buying an apartment gives the right of ownership for only 70 years.

How about a car? You buy a car - forever? Even if you don't change it, how long will it last you? 10–20 years? Then he will go to the landfill, but once he was all yours. It turns out that buying a car is also a long-term lease.

How about human life? The human body, which is given to us completely free of charge, is also not eternal. We, in fact, rent our bodies - some for 30 years, some for 60, some for 90 years. We ourselves do European-style repairs inside, choose high-quality "gasoline", drive the body to the "technical inspections" to the doctors. But the body is still not ours, because it is not eternal. We can't have something forever, so we can't name it possession in the full sense of the word.

Is there one thing in this world that we can truly possess? Hardly. Houses will collapse, cars will break down and rust, and the former "owners" will go to another world.

Why are we buying?

A person living in a world of instability is willing to pay double the price for any kind of guarantee. When buying an apartment, we hope that no one will evict us from there and that repairs can be done to our liking without entering into disputes with the owner. When we buy a car, we want to be sure that it will always be available when we need it. And we buy new clothes to be sure that no one has worn them before us and that they will always be at hand.

A person has only 24 hours in a day. How much time can you devote to your things? A couple of hours for a car, 10 hours for a suit, a few hours for a phone and an e-book, 20 minutes for a bike. The rest of the time these things are idle, while they could serve someone else. But you paid for the full time - isn't this an overpayment?

Buying something that can be rented, we pay extra for a sense of security. And this feeling often has little to do with reality, both in the case of cataclysms, wars and earthquakes that can level your house to the ground, and in the case of ordinary domestic troubles like a stolen car or accidentally torn jeans - there are no guarantees anywhere.

Therefore, if you see a person who, with a calm soul, lives for rent, take off your hat. He has steel endurance, he does not need guarantees. But if a person has a clear love for shopping and an excessive desire to save up for a house / yacht / boat / plane, then it is possible that in this way he seeks to compensate for his fears, feel safe and take control of his life. Pat him on the shoulder.

Morality:

By renting, you do not overpay for guarantees and confidence in the future. Therefore, renting is more profitable than buying.

If we are talking about investing in real estate with the aim of renting it out later, then the question immediately arises: what is better to invest money in, what is profitable to rent out - commercial real estate or residential?

Real estate market experts have come to the conclusion that, on the one hand, office real estate pays off faster, but on the other hand, investments in commercial real estate have their own individual characteristics that complicate the process of making a profit.

As for residential premises, renting them out as a profitable business is beneficial for those who received an apartment or house as an inheritance, as a gift, but when it comes to investments, the return on investment in residential real estate is calculated for many years.

The simplest calculations lead to such conclusions: the cost of a standard one-room apartment in a residential area is approximately 6 million rubles. The real rental rate at which housing in such an area can be rented out is in the range of approximately 27 thousand rubles per month. By simple arithmetic calculations, we come to the conclusion that the payback of housing will take at least 19 years. While an office space worth, for example, 7 million rubles with an area of ​​65 sq. meters and a rental rate of 13.5 thousand rubles per square meter, will pay off in about 6.5 years.

Judging by the calculations, it turns out that investing in commercial real estate is almost three times more profitable than investing in housing.

Commercial facilities are even more profitable to rent. In comparison, for example, with a two-room apartment, the payback period of which can be approximately 14-16 years, the same investments in an office will pay off in 8-9 years, and investments in a retail space in a popular place can pay off in 6-7 years. According to experts' calculations, what is good for renting shopping areas. Of course, we are talking about liquid objects located in the central districts of the capital and made at a high quality level of performance. In residential areas, there will be no such significant difference.

At the same time, investments in commercial real estate have certain risks, as they are more susceptible to the impact of economic downturns. In addition, investments in commercial real estate carry other risks and difficulties: you can simply incorrectly determine the optimality of investing money and purchase an initially illiquid object. In addition, paperwork for commercial real estate is more difficult than for residential properties.

Repair costs for commercial real estate are much higher than for residential apartments. The same can be said about taxes.

Thus, the conclusion suggests itself: that it is profitable to rent out commercial real estate, but these investments require a lot of money and certain knowledge of the real estate market. At the same time, having invested relatively little money in residential areas, you can earn income without less risk.

The company "NDV-Nedvizhimost" recently announced that when renting out premises, investments in offices pay off 3 times faster than in apartments. Real estate market experts generally agreed that offices pay off faster, but they noticed that the difference in payback is not so high, and also cited a number of pitfalls that make it difficult to invest in commercial real estate. SAID AND CHECKED

SAID

Company "NDV-Real Estate":

. when renting out premises, investments in offices pay off 3 times faster than in apartments;

It is beneficial for those who received an apartment as an inheritance or as a gift to earn money by renting out housing, but if we are talking about an investment purchase, then it is better to forget about residential real estate. Investments in an apartment will pay off for many years. Another thing is office space.

For clarity, the company's experts have given the following calculations:

The standard cost of an ordinary "odnushka" in a residential area (in the secondary real estate market) is 5.5 - 6 million rubles, and an adequate rental rate is approximately 27 thousand rubles. Thus, the payback period of the apartment can stretch for 19 years.

Evgenia Borzova, head of the commercial real estate department at NDV-Nedvizhimost, gave several illustrative examples of office space. For example, an office in the Dorohoff business park with an area of ​​65 sq. m and the cost of 7.35 million rubles, taking into account the indexation of the rental rate, will fully pay off in 6.5 years (the current rental rate: 13.5 thousand rubles. sq. m / year). And if you buy an office in the Atmosfera business park (Mendeleevskaya metro station) with an area of ​​119.8 sq.m for 285.5 million rubles, then it will be possible to “recapture” investments in 7.5 years (at a rental rate of 24 thousand RUB sq.m / year, including indexation). The same amount - 7.5 years - pays off more expensive real estate: for example, a retail space for 50 million rubles and an area of ​​80 square meters. m, located near the Novokosino metro station.

Judging by the above calculations, it turns out that buying commercial real estate is 3 times more profitable for the rental business than residential. Let's see what other market participants say about it.

CHECKED

Offices really pay off faster than apartments, but the difference is still not 3 times, but 1.5 - 2 times.

DNA Realty Managing Partner Anton Belykh And Stanislav Titorenko, head of the rental department at Delta Estate It is believed that investments in an office pay off, however, not 3 times, but 1.5 - 2 times faster.

“The fact is that with apartments, the payback period can be significantly reduced by selling a new building purchased at an early stage of construction immediately after the commissioning of the house (as a rule, it is 2-3 years with a yield of 20-30% per year), - explained Anton Belykh. - The situation is more complicated with commercial premises, since the demand for them is limited, so the sale may take longer, unless, of course, we are talking about particularly liquid places and areas. But this is if we consider the investment cycle of construction. As for the rental business, here the payback period for retail and office space is definitely higher.”

More profitable than offices

“For example, the payback period for a two-room apartment is approximately 14-16 years, for a retail space in a good location - 6-7 years, and for an office space - 8-9 years,” Anton Belykh specified. I agree with this and Development Director of Miel-Commercial Real Estate Elena Mishina, adding that retail real estate should focus on street retail. “If a rental apartment brings an average of 4-5% per annum and pays off in 18 years, then liquid street retail objects give 10% per annum with a payback period of 9-11 years.”

Offices in residential areas pay off no faster than housing in the same areas

Head of consulting and analytics department at Azbuka Zhilya Artem Rzhavsky also confirmed that the payback period for investments in commercial real estate located in the central part of Moscow will be shorter than in residential real estate. However, he noted some exceptions. “This is not typical for residential areas on the outskirts of Moscow,” the specialist explained. “The payback period is about the same here.”

In the residential area of ​​Mitino, there is a commercial premises with an area of ​​about 38 sq. m, located on the 1st floor of a residential building will cost about 9.5 million rubles, rent will bring about 492 thousand rubles. in year. At the same time, the cost of an apartment of the same area in the same area will be about 6.8 million rubles, and the rent will be 360 ​​thousand rubles. in year. “Thus, the payback period for investments in a commercial premises or an apartment in a residential area of ​​Moscow will be almost the same - about 19 years,” the specialist explained, noting that the NDV statement is true only for objects in the central districts of the capital.

Office rent is a high-risk business, while with housing everything is more stable. Therefore, the profitability of both is commensurate

A slightly different opinion was voiced during the survey. First Deputy General Director of Pioneer Group of Companies Alexander Pogodin believes that the profitability of residential premises and office is commensurate, since with higher rental rates for office premises, the payback period for housing to a lesser extent depends on the general economic situation. “Office rents are more susceptible to decline during economic downturns and falling office occupancy rates,” the expert explained. “At the same time, the cost of the housing arena, if it decreases, then to a lesser extent, and the level of demand remains high even in the crisis years, in addition, the apartment rental market is more understandable for private investors.”

Denis Kolokolnikov, Chairman of the Board of Directors of the RRG group of companies, also adds: “This is the risk of acquiring an initially illiquid premises, and the risk of incorrectly determining the optimal destination, and difficulties with paperwork,” the specialist explained. - In addition, the current management of commercial real estate is much more difficult, and the process of finding tenants is longer. In addition, it is often not enough for new tenants to simply make cosmetic repairs: for example, they have to make certain changes to the layout, which also increases the cost of maintaining the premises. For these reasons, many private investors hire property management companies or become involved in property management on a professional basis.”

Commercial tax costs are higher

Elena Karpova, head of the marketing department at SEZAR Group, also reminded that one cannot ignore the fact that the costs of repairing residential and non-residential premises are not comparable. In the second case, they are an order of magnitude lower, which allows significant savings. But at the same time, by renting out an apartment, the owners have a real opportunity to evade taxes. “You can specify a smaller amount in the contract,” the expert explained. “But this trick won’t work with offices, and landlords will still have to pay income tax.”

Economy class is the most profitable in housing

Although, the first deputy director of the Miel-Arenda company, Maria Zhukova, paid special attention to the fact that the higher the amount invested in housing, the lower its rental yield will be.

“Despite the long payback period and low profitability, investments in residential real estate are considered the most reliable type of investment,” notes Maria Zhukova. - Rental housing in the capital will be relevant in the future. In addition, the economy class is the most popular segment in which tenants are looking for a rented apartment. This suggests that there will always be demand for such housing, and the owner will always receive income from it when the rent corresponding to the market is established.”

CONCLUSIONS

And here we come to the most important question: under such conditions, is it profitable for private investors to buy commercial housing in order to rent it out?

Yes, it is profitable, but this requires much more money and knowledge of the market than for the purchase of most apartments. That is, in fact, these are different classes of investors - those who can afford to invest in commercial real estate, and even competently, and those who have enough money for another housing, and there may be no knowledge and experience on the market at all.

According to Elena Shevchuk, Vice President for Commercial Real Estate GVA Sawyer, the minimum amount of possible investment in the purchase of non-residential premises in Moscow fluctuates around $ 1 million. There is also a chance to find a room for 300 - 500 thousand dollars, but this will require a lot of time and effort, as well as excellent knowledge of the market.

With such figures, it is not surprising that the main flow of private investors in Moscow is still considering investment in housing, since the minimum investment here is obviously lower than in the commercial segment. In principle, you can buy a decent apartment for 200-250 thousand dollars, and at an early stage of construction - even cheaper. Although the expert believes that the payback of apartments in certain areas may be higher than commercial space, but then the cost of such housing will be initially higher.

Maria Lukina

Passive income is a profit that interests many people in different countries. And therefore, more and more often they think about an important question for them: what can be rented out? After all, this way of making a profit is the most interesting and profitable solution. It allows you to earn money without having an official job. But the question is different - what kind of objects can be rented out? This will be dealt with further.

In fact, almost all of a person's property is allowed to be rented. But in reality, the most profitable business is the rental of real estate. What objects and how can be converted into passive income? If you prepare correctly, then a person will be able to bring the idea to life without any problems.

Who is eligible?

You still do not know what you can rent? Before thinking about this question, you need to figure out who, in principle, has such a right. Not everyone is given the opportunity to receive passive income in this way. The fact is that the delivery of real estate or property for rent is carried out by:

• The owners of certain objects.
• State (if we are talking about municipal property).
• Intermediaries (realtors, real estate agencies).

It turns out that only the owner of this or that property, as well as trusted persons, have the right to rent out certain objects. Quite an obvious fact. But from what it is possible to receive passive income?

Apartment

You can rent an apartment in the most common scenario. It quite often helps the population in different countries to make a profit to one degree or another. The procedure for concluding a rental agreement is usually carried out with the participation of real estate agencies. Or personally by the owner of the apartment. It can be either an individual or a state. It is best to rent an apartment officially. Yes, then you will have to give 13% of your profits to the country. But at the same time, the landlord and tenant will have rights and obligations. Making such an operation is not as difficult as it seems.

Renting an apartment

Is it possible to rent an apartment? Yes. This, as already mentioned, is the most common scenario in different countries. Rented housing - a kind It is not so difficult to draw up a lease agreement for an apartment. It has already been mentioned that a person can bring an idea to life either by contacting a real estate agency, or independently. But for the last alignment, you will have to pay a visit to the notary. The contract of employment is drawn up only in this way. What documents may be required? Among them, the following papers are distinguished (regardless of the method of renting an apartment):

1. Property title documents.
2. Lease/lease agreement with detailed terms.
3. Extract from the housing office from the personal account.

It is worth paying attention to the fact that there are two types of contract: lease and hire. The second option is suitable for cases where the apartment is rented to an individual. Mandatory registration is not required. But a direct lease agreement is subject to registration if it is concluded for more than 12 months. Signed at the conclusion of an agreement with legal entities.

Room

What can be rented out? The next scenario is to rent out part of the apartment. Or rather, rooms. A common way to make small profits. The procedure for drawing up the relevant agreement is similar to the previously defined algorithm of actions. It is only necessary to prescribe in the agreement which room to rent.

If there are several owners in the apartment, in addition to the previously listed list of papers, you will have to report the consent of all people to the transaction. But when the owner of the apartment is alone, then renting a room is not such a big problem. Profit from such a source of passive income is less than from renting an apartment. But it has its place.

Earth

Can the land be leased out? Or part of it, for example? This question is also often worries the owners. For example, a house is built, and there is a small plot nearby. Can it be handed over? Yes. There are no special restrictions in this regard. It is recommended to immediately decide whether the entire site is planned to be leased or only part of it. The complexity of concluding an agreement, as well as the text of the agreement, will depend on this. For legal entities, this feature is extremely important.

If a person does not act through realtors or relevant agencies, then he will have to sign an agreement with a notary without fail. Otherwise, the transaction may be invalidated. And this is important to understand. Special problems may arise if the land plot has several owners. However, a similar picture arises when renting any property. Additionally, you will have to obtain the consent of the remaining owners to carry out the transaction. Without these documents, the lease or lease agreement will be invalidated.

Not housing

You can rent a room that is not residential. For example, basement, pantry, utility room. This is a less common scenario, especially among those who live in apartment buildings. But this is only if the landlord is an individual. Among other things, non-residential premises such as offices are rented out. Just such situations occur in everyday life all the time. It should be noted that in any of the transactions under consideration, citizens will have to pay income tax. At the moment it is 13%. This is a must for every taxpayer.

Now it is clear that non-residential premises can be rented out. It's not as difficult as it seems. The algorithm of actions for the owner of the property will be exactly the same as in all other cases. It is enough to collect a similar package of documents. Only the certificate of ownership of a particular property changes. Then you should conclude a lease / lease agreement in the prescribed manner. All the features of this process, regardless of the leased property, will be described below.

House/cottage

Can the land be rented out? Yes, especially if there is only one owner of the property. But what other objects can be considered by a citizen? For example, houses or cottages. They can also be rented if desired. In practice, this is quite difficult to do. And individuals rarely deal with such cases. Usually houses and dachas are leased together with land plots by the city administration. But ordinary owners of real estate have the right to do so.

Is it possible to rent out a land plot, but at the same time not rent out the house located on it? Yes, this is also possible. But only in the case when the contract indicates a specific territory to be surrendered. If there is a place on the site exclusively for the house, then it will be necessary to indicate the structure in the agreement.

Car

More and more often, citizens are thinking about whether it is possible and the answer will please them - yes, there is such a possibility. The list of documents will change. As a rule, you will have to seriously think about the lease agreement - it sets the payment rate. Most often it is hourly. From the documents from the owner and the employer will require:

• Papers indicating the ownership of the vehicle.
• Insurance.
• Lease contract.
• Technical passport of the car.
• The identity of the parties.

Usually this is enough. It is advisable to think over all the features and nuances of renting a car in advance. To do this as competently as possible, invite lawyers. They contribute to the correct compilation. So it will turn out without any problems to bring the idea to life.

Other

What can be rented out? In fact, as already mentioned, almost all properties can be rented. Accordingly, to rent, for example. If you do not take into account real estate, then you can highlight a lot of ideas regarding the question posed. Among the most common objects for rent, there are: clothes (mainly suits and dresses), garages, boats, bicycles, sports equipment, dishes, furniture, appliances, construction equipment, books, pets (for example, for promotions).

This is not all that can be rented out. The list is endless. In the modern world, it is limited mainly by the owner's imagination. And this must be taken into account. Only after receiving money from tenants, the owner of the leased property may have problems.

Underwater rocks

It's about taxes. It has already been said that 13% of the profit will need to be paid from each transaction. It would seem that this is where the problems end. However, not everything is as simple as it seems. The fact is that in Russia there is such a thing as This is a systematic profit from the same activities. True, in order for criminal liability to arise, the income must total 1,500,000 rubles. Therefore, up to this point, you can easily rent out this or that property for rent.

What's next? Much depends on the type of property being rented. To pay taxes and sleep peacefully, some recommend opening an individual entrepreneur. And choose USN. Then, as taxes per year, you will have to pay 6% of the profit. Legal and safe. In some cases, it is recommended to buy a patent for this type of activity. In Russia, at the moment it is proposed to all citizens who rent out housing or property to work according to What to do? This is up to the citizen. But in any case, the tax must be paid. Especially when it comes to renting out offices, as well as working with legal entities.