Mieszkanie na wynajem: Najemca NIE SPŁACI Twojego kredytu

Is a rental apartment with a loan a profitable real estate investment? Learn about the real financial risks over a 15-year period. Many people assume that the tenant will repay the loan and years later, we'll be left with our own property. This assumption often overlooks hidden costs that can ruin the profitability of such an endeavor. In this video, I analyze why buying an apartment with a loan requires considering a much broader perspective than just the bank installment. We focus on the factors that actually impact rental income. I'll discuss vacancy issues, the need for renovations, and tax burdens. Understanding these elements is crucial for anyone planning long-term rental properties and wanting to avoid unpleasant financial surprises. If you're planning to enter the market, analyze these rental costs before signing a loan agreement. Subscribe to the channel for weekly market analyses and let us know in the comments which investment risks concern you most. Subscribe to @Tomasz_Lebiedz's channel for weekly real estate market analyses and let us know in the comments whether you think a mortgage is a safe investment today. 👉 Become our Patron https://patronite.pl/tomasz_lebiedz and influence the program's content. 👉👉👉 Real Estate Agent Course 👉 https://symen24.pl/kurs/kurs-posredni... CHAPTERS: 00:00 Introduction: Will the tenant actually repay your mortgage? 01:20 Why do we want to invest in rental apartments? 02:35 The real formula for rental profit (what you can't see in Excel) 04:00 The administrative rent trap 05:10 Risk 1: The loan installment-to-rent ratio 07:10 Risk 2: Will rents always rise? 09:35 Risk 3: Vacancies and tenant turnover 11:55 Risk 4: Renovation costs and building aging 12:50 Risk 5: Problematic tenant and eviction 14:20 Risk 6: Legal changes and new taxes 16:40 Risk 7: Your changing life situation 18:30 Risk 8: Will the apartment value definitely increase? 22:20 Individual investment risk scale 24:35 Checklist: How to ensure your safety 27:15 Alternative ways of investing 28:05 Summary: When does such an investment make sense? Tomasz Lebiedź: Real estate explained well - learn about the real estate market, apartment prices, house and plot prices, trends, and real estate law. 👉 Support this channel and get these bonuses:    / @tomasz_lebiedz   #real estate #apartmentforrental #mortgageloan #realestatemarket #investinginrealestate #rental #TomaszLebiedź