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March 22, 2006

鉄筋コンクリートの物件1棟購入一歩手前(序章)

いやあ、気が付いたら、29歳でした。
結構リーチ。

ここ一年くらい、バタバタしておりまして、
ぜんぜん更新できませんでしたが、物件は探しておりました。

◇◇◇◇◇

ただ、探せど探せど、低い自己資金でベストな物件を探すのが、難しい!
私の提示する自己資金500万円では3千万の物件が妥当というか、そんな感じで。

また、銀行から見た融資対象としての条件も別に良くないんですよね

・持ち家なし(賃貸)
・保証人なし
・資産なし(貯金600万のみ これは初期投資に消える)
・未婚(これから子育てで退社?)

運良くあったとしても、築15年以上の木造アパート6戸とかで。
10戸以上ないと法人化できないし、
老朽化も進んでいるし、減価償却はあと数年。
土地もそこまで広くないし、地価はきまって低下傾向。

◇◇◇◇◇

それで、表面利回りが満室想定でやっと10%いくかいかないか!
たまに存在する満室想定利回り15%なんていうものは、胡散臭いし汚い感じ。
問題あり物件とみました。

なんだか、危険~?というものしか見つからず、強力なコネもあるわけじゃなし、
正直困っておりました。

◇◇◇◇◇

このまま諾諾とサラリーマンか?
最近貯金もたまらない。
引っ越したから、お金がかかった。
快適な生活の中で、ハングリースピリットが失われているのでは?

今は、若くて(?)サラリーもそこそこだけど、リストラと成人病は、きっと10年~20年後に同時に訪れるはず!
そのときに、蓄えが2000万円あったとしても、それが何になるの?
大体、子供が出来たら養育費で2000万円くらい飛ぶわ!
幸い、両親は二人とも公務員だったから、年金でばっちり生活しているし、
田舎の持ち家だし、老後に何の不安も無い・・・でも!

などなど、将来の不安は数え切れず、そして、私の夢。

北欧家具に囲まれて、お茶しつつ、のんびり読書をして毎日をすごす。
はどうなるのか!?と。

やはりここは、将来のプランを明確に設計しなければ!
無理が効くのも今のうち~。と思い、この際、インターネット上の物件に飛びついてみました。
とりあえず、動こう!それが私の今年の考えだったんです。

そして、一応、運命の出会いが待ち受けていたのです!

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Comments

おっは~
おはつモードです。

三田御嬢様。撫子御嬢様。から辿り着きました。

周りのサラリーマン大家
・持ち家あり(または公務員宿舎・社宅)
・資産あり(貯金・マンション&抵当権なし・有価証券etc.公務員に認められている副業)
・借金なし負債なし

みんな、コツコツ現金決済で~す。 満室。3月でも入替なし更新料Get
現金あるなら、山手線内800万の物件を500万まで値切り倒しましょう~
(当然、10人中9人の売主はNoで~す)
年内にとか3月決算に現金必要とか利上げで泣く泣くとか、たま~に掘り出し物あり
2月に田町で普段800万で出るマンションが現金限定600万
3月に渋谷で普段1000万が現金限定800万
(別の部屋が1200万→1000万に値下げ)
レインズよりHPの方が詳しい時代にぼったくりは不可能だよん
三菱UFJ(オークラヤ)は、レインズ載せても紹介不可
三井住友は、手付け後にレインズ掲載(業界内の暗黙の了解)
まあどっちみち、値切れない。(∴売る時に有効)
毎週、どっかしらんから、どれかの物件に対して、売る時は御用命をの手紙が来ます。(優良物件って事?)

周りの結婚相手の条件
・借金なし負債なし
・初婚・子なし
・喫煙経験なし・御酒は付合い程度
・三十路未満

外見や性格や趣味には囚われませ~ん。

有価証券は?御受験・中学受験・大学費etc.まで売る予定無し
(その頃に東証一部になってトヨタやソニーに匹敵すれば良し)撫子御嬢様三田御嬢様参照
ワンルームは?1室づつ現金化しやすい。
(値切られないように1年かけて募集開始)
受験はいきなり来ないから計画しやすい。

お互い♪頑張りまっしょおぅ

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