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星期六, 8月 27, 2011

真正的資產

人們總愛標籤房地產是資產。不過,一些看似資產的東西真的是資產嗎?

大家想一想:
(1) 住宅是資產嗎?
(2) 你以長達十多二十年甚至三十年的銀行按揭貸款購買的住宅是你的資產嗎?
(3) 那麼,你一次過以現金買下來的住宅是你的資產嗎?

到底它是資產還是負債呢?關鍵在於那東西有沒有為你帶來浄現金流入。浄現金流入還是浄現金流出,正是用來區別你手上的東西是資產抑或負債。

因此,上述問題的答案如下:
(1) 不一定。
(2) 肯定不是。因為它為銀行帶來長達十多二十年甚至三十年的穩定現金流入,恰恰相反,你要為它承受長達十多二十年甚至三十年的現金流出。換言之,它其實是銀行的而不是你的資產,充其量它是你的長期負債。
(3) 也不一定。就算你沒有承受那長達十多二十年甚至三十年的現金流出,但是那些為住宅支付的定期開支(管理費、維修保養費、差餉、水電煤開銷、……等)可能仍為你帶來浄現金流出。


浄現金流=現金流入-現金流出
當浄現金流≧0,浄現金流入,是資產。
當浄現金流<0,浄現金流出,是負債。

一些看似資產的東西可能就是負債呢!切莫表錯情啊!

大家又想一想:
一、 怎麼辦才可以把它改為真正的資產呢?
二、 除了房地產以外,咱們手上的其他的東西是資產還是負債呢?

13 Comments:

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