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.