Аренда vs Ипотека: почему я живу в аренде, а инвестирую в недвижимость

Elena Kabatchenko

2 Apr 202412:28

Summary

TLDRElena Kabaenko shares her personal experience with real estate investment, emphasizing the importance of a strategic approach. She recounts her initial misstep of buying a home in Denmark during a financial crisis, which resulted in a significant loss. Elena then discusses the benefits of investing in real estate, such as leveraging low-interest mortgages for investment properties, and stresses the need for careful financial planning. She also explains why she chooses to rent rather than buy a home for herself, citing the value of geographic freedom and the flexibility to move without the burden of a large mortgage. The video concludes with a call to understand personal financial values and make decisions based on individual priorities.

Takeaways

🏠 The speaker views buying property as a risky investment due to the potential for market fluctuations, as experienced in Denmark where property prices dropped by 30%.
📉 The crash in the Danish real estate market during the 2008 financial crisis led to a significant loss for the speaker when they had to sell their property.
💡 Investing in real estate can be a good addition to an investment portfolio but it requires careful consideration and calculation to ensure it is a sound investment.
📈 The main advantage of real estate investment is the ability to secure a mortgage at low interest rates, especially for investment properties.
🔑 Investment properties are those not used for personal residence, such as properties bought for resale or rental purposes.
🔄 Strategies for real estate investment include 'flipping' properties, where an old apartment is renovated and sold for a higher price, or renting them out for passive income.
🧮 The speaker emphasizes the importance of doing the math before purchasing an investment property to ensure that rental income covers all associated costs, including mortgage payments.
🌐 The speaker and their family prefer the freedom of renting over owning property due to their love for geographical mobility and the ability to relocate easily.
🏘️ Large apartments in city centers, while desirable for living, are not ideal for investment due to their low liquidity and high costs.
💰 High mortgage payments for large apartments can become a significant financial burden, especially in times of personal or economic instability.
📊 The speaker suggests that while renting may seem expensive in the short term, it offers the flexibility to change living situations easily without the long-term obligations of a mortgage.
🤔 The speaker encourages viewers to understand what is truly important to them in terms of lifestyle and values before making financial decisions about property.

Q & A

What is the main perspective shared by Elena Kabaenko on the investment in real estate?
-Elena Kabaenko believes that investing in real estate can be a good addition to one's investment portfolio, but it should be approached with caution and proper financial planning.
Why did Elena and her husband initially decide to buy a property?
-Elena and her husband decided to buy a property to avoid throwing money away on rent, as suggested by her husband before the 2008 crisis.
What was the outcome of Elena's first real estate investment experience?
-Elena's first real estate investment resulted in a significant loss due to the 2008 economic crisis, which caused a 30% drop in Danish property prices.
What is the main advantage of investing in real estate according to the script?
-The main advantage of investing in real estate is the ability to obtain a mortgage at low interest rates, especially for investment properties.
What is the definition of 'investment property' as mentioned in the script?
-An 'investment property' is a property that the buyer does not live in, but rather purchases for investment purposes, such as resale or rental.
What are the two popular strategies for investing in real estate mentioned by Elena?
-The two popular strategies mentioned are buying a property for resale, such as a new construction that appreciates in value upon completion, and buying a property to rent out to cover mortgage and other related expenses.
Why does Elena choose not to buy property for personal living?
-Elena chooses not to buy property for personal living because she values the freedom of moving and living in different locations, which is not possible with the commitment of owning a property.
What is the cultural mindset that Elena refers to regarding owning property?
-Elena refers to a cultural mindset that values owning one's home as a sign of stability and success, which she has consciously decided to move away from.
How does Elena approach the decision of buying a property for investment?
-Elena approaches the decision by carefully considering the financial mathematics, ensuring that rental income covers all expenses, and choosing properties that are liquid and easy to sell.
What is the financial risk Elena identifies with owning a large property in the city center?
-Elena identifies the financial risk of owning a large property in the city center as being illiquid and potentially tying up a significant portion of one's budget with high mortgage payments.
What is Elena's personal preference regarding living arrangements?
-Elena prefers living in a rented apartment in the city center with easy access to cafes, restaurants, and infrastructure, rather than owning a property.
Why does Elena emphasize the importance of understanding one's own values and preferences when making financial decisions?
-Elena emphasizes this because she believes that financial decisions should align with one's personal values and lifestyle preferences, rather than societal norms or expectations.

Outlines

00:00

🏠 Real Estate Investment Risks and Personal Experience

Elena Kabachenko discusses the perils of real estate investment, sharing her personal story of purchasing a home in Denmark before the 2008 financial crisis. She emphasizes the importance of being financially literate and cautious when investing in property. Elena bought a large apartment with her partner, planning to start a family, but had to sell it at a significant loss when the housing market crashed. She learned from this experience and now approaches real estate investment with a more calculated strategy, focusing on investment properties rather than personal residence.

05:01

💡 The Smart Approach to Real Estate Investment

The speaker highlights the benefits of real estate investment, particularly the ability to leverage mortgages at low interest rates. She defines 'investment property' as one that is not used for personal living, and outlines two common strategies: flipping properties for resale and renting them out for passive income. Elena stresses the importance of doing thorough research and calculations to ensure that rental income can cover mortgage and other associated costs, making the investment viable and not a financial burden.

10:01

🌐 The Value of Geographic Freedom Over Home Ownership

Elena explains her family's conscious decision to rent rather than own a home, valuing geographic freedom and the flexibility to move easily. She contrasts this with the cultural norm of owning property and the associated long-term commitment it entails. She also points out the impracticality of owning large apartments in city centers from an investment perspective, due to their low liquidity and high costs. Elena advocates for aligning financial decisions with personal values and circumstances, rather than societal expectations.

📈 Tailoring Finances to Personal Values and Lifestyle

In the concluding paragraph, Elena summarizes her views on financial planning, advocating for a personalized approach based on individual values and lifestyle choices. She encourages viewers to reflect on what is truly important to them and to make financial decisions accordingly, rather than following societal norms or expectations. She also emphasizes the importance of flexibility in financial planning, using her own preference for renting over buying as an example of adapting to change without the constraints of a large financial commitment.

Mindmap

Keywords

💡Real Estate Investment

Real estate investment refers to the act of purchasing, owning, managing, renting, or selling real estate for profit. In the video's context, it is a central theme as the speaker shares her personal experience and insights on investing in real estate. The speaker mentions both her unsuccessful past investment and her current approach to investing in real estate as a means to diversify her investment portfolio.

💡Mortgage

A mortgage is a loan secured by real estate, which allows individuals to purchase a property without paying the full amount upfront. In the script, the speaker discusses the advantage of mortgages in real estate investment, particularly the ability to leverage low-interest rates to acquire property. The speaker also emphasizes the importance of ensuring that rental income can cover mortgage payments and other property-related expenses.

💡Liquidity

Liquidity in real estate refers to how quickly and easily an asset can be converted into cash without significantly affecting its price. The speaker mentions that larger apartments in city centers are less liquid, meaning they are harder to sell quickly, which is a key consideration in her decision-making process regarding real estate investment.

💡Leverage

Leverage in finance is the use of borrowed money to increase the potential return of an investment. The speaker highlights the use of leverage in real estate investment, such as taking out a mortgage to buy property, which can amplify gains but also carries the risk of amplifying losses if the property's value decreases.

💡Rent vs. Buy

The script discusses the personal decision of renting versus buying a home. The speaker explains her choice to rent due to the flexibility and lack of long-term financial commitment it offers, contrasting it with the potential risks and responsibilities that come with buying property and securing a mortgage.

💡Geographical Freedom

Geographical freedom is the ability to live and work in different locations without being tied down to one place. The speaker values this concept highly, as it allows her family to move between countries and cities as they please, which is not possible when one is committed to a mortgaged property.

💡Financial Literacy

Financial literacy is the knowledge and understanding of financial matters, such as managing money, investments, and debts. The speaker advocates for financial literacy as she explains the importance of understanding the math behind real estate investment, including calculating rental income against mortgage and other property expenses.

💡Investment Portfolio

An investment portfolio is a collection of investments held by an individual or institution. The speaker discusses how real estate investment can be a good addition to one's investment portfolio, providing an example of how she includes real estate as a diversification strategy.

💡Economic Crisis

An economic crisis is a period of negative economic growth that results in a significant downturn in the economy. The speaker references the 2008 economic crisis as a turning point in her personal real estate investment experience, where property values dropped significantly, leading to a loss when she had to sell her property.

💡Cultural Heritage

Cultural heritage refers to the traditions, values, and beliefs passed down through generations. The speaker mentions a 'mental bug' stemming from cultural heritage that influences people's desire to own property, suggesting that this mindset can lead to poor investment decisions if not critically evaluated.

💡Diversification

Diversification is a risk management strategy that involves spreading investments across various financial instruments, industries, or other categories to mitigate risk. The speaker explains how investing in real estate adds diversification to her financial strategy, providing an additional stream of potential income and risk spreading.

Highlights

The speaker views the idea of buying property as a risky financial commitment due to the potential for price fluctuations.

In Denmark, real estate prices have dropped by 30%, which the speaker attributes to a cultural mindset of investing in property.

The speaker shares her personal experience of an unsuccessful property purchase which led to her not living in her own home.

Investing in real estate should be approached with caution and proper financial planning.

The speaker discusses her initial naivety in buying property without a down payment due to 100% loans offered by banks in Denmark.

The economic crisis of 2008 led to a forced sale of the speaker's property at a significant loss.

Investing in real estate can be a good addition to an investment portfolio due to the potential for low-interest mortgages.

The concept of investment property is introduced as property not used for personal living.

Two popular investment strategies in real estate are flipping and renting out properties.

The importance of calculating the financial feasibility of a property investment before purchase is emphasized.

The speaker explains the financial risks of owning large apartments in city centers due to their illiquidity and high costs.

The preference for living in rented accommodation is based on the desire for geographical freedom and flexibility.

The speaker argues against the cultural norm of owning property and emphasizes the importance of personal values in financial decisions.

The potential downsides of owning property, such as high ongoing costs and inflexibility, are highlighted.

The speaker concludes by encouraging viewers to align their financial decisions with their personal values rather than societal norms.