The price of 400,000, the annual rent of 500 of the house is worth investing?

Annual yield: 1.25%, Rent-to-sales ratio: 1:960.
Conclusion: The annual yield is far below the 5-year term deposit, and the rent and sale ratio is far below the international standard.

1, about rent and sale ratio
International standards suggest that a reasonable rent-to-sell ratio is between 1:200 and 1:300. This ratio means that if the house is rented, 200 to 300 months (roughly equivalent to 16 to 25) to recover the housing, buy a house is cost-effective. If the rental ratio is higher than 1:300, it means the property investment value is relatively small, the housing bubble has already appeared.
2013 Beijing Average rental ratio 1:563, Beijing urban Minimum rental ratio 1:722, the highest prices in Xicheng District is only 1:702.

2, about 5-year term deposits
Started March 1, 2015
Ping An bank (my salary card is in the bank) five-year interest rate of 4.125% three years is also 4.125%
Five-year interest rate: ABC 4% China Post: 3.75 ICBC 4%
Three-year interest rate: agricultural postal industry and commerce are 3.75%
Five-year interest rate up to 5.4% has two banks: Zhejiang Merchants Bank and Fujian Strait Bank
As of December 31, 2014, the total assets of Zhejiang Merchants Bank amounted to 669.957 billion yuan, the balance of each deposit was 363.28 billion yuan, the balance of each loan was 259.023 billion yuan [1]; the asset scale realizes the surpass of Bohai Bank (the total assets of Bohai Bank at the end of 2014 is 667,147,543,000 yuan) [2], ranked among the 12 national joint-stock commercial banks in 11th place.
Fujian Strait Bank was founded in December 27, 1996, headquartered in Fuzhou, Fujian province, in Fujian province and Zhejiang province Wenzhou set up 9 branches, 58 branches and a head office sales department, the total assets of more than 100 billion yuan.

3, Ping An financial products
Rainbow-Poly Da Yu 09N Annual income 8.4% 360 days                   start 100,000
Rainbow-hui win 04B    annual income 8% 360 days 180 days after the transferable start 100,000
Rainbow-Poly Da Yu 10A Annual income 8.6% 353 days                  start 300,000
? Steady profit-an e         annual income of 8.4% 3 years                     start 10,000
Assuming principal 100,000, annual yield 8.4%, 10 years after principal and interest 215,892
Assume a principal of 400,000, a year of interest up to 33,600.

4, will the price rise as crazy as in previous years? The
does not. In the ten years, the average house price of the country rose from 2381 yuan to 5791 yuan, the decade rose 143%. And according to the official data, Guangzhou prices for ten years "crazy rise" more than the national level, up to 261%, while Beijing, Shanghai prices rose by 365% and 500% respectively. "China Capital Weekly" Inventory of ten years of house prices, 2012 national urban average price of 5791 yuan/㎡. 2007 is 3445 Yuan/㎡, up 68%, an average annual increase of 10.9%; In 2003, the median house price was 2381 yuan/㎡, and the decade Rose 143%, an annual increase of 10.3%. The house will be depreciated, about 30 years will not be able to live, but the use of land is still in, so 30 years later, the house only the price of the new house 50%. 30 the average annual depreciation rate of 1.67%. Rents are not as good as depreciation rates.
If the annual rate of increase in prices reached 10.3%, and Ping ' an financial products 8% ratio, or slightly higher. Individuals think that the rise in property is not so large, for the following reasons:
a,2003 years ago, 80% of the people in the housing allocation, 20% of people buy a house. There are now almost no housing.
B, the speed of urbanization slows down and there is no stamina. 2002 urbanization rate of 39%, 2012 urbanization rate is estimated 52%, growth rate (52 divided by 39) 33%.2014 year urbanization rate of 54.77%, estimated 2024 urbanization rate 64%, growth rate 16.88%.
C, per capita income growth slowed. GDP per capita in 2012 was 6.36 Times times that of 2002. 2024 of GDP per capita is estimated at 2.64 times times 2014.
d,2012 building materials are generally better than 2002 years.

5, China's urbanization rate
The first macroeconomic Blue book published by the Chinese Academy of Social Sciences predicts that by 2015, China's urbanization rate is 52. 28%, 2020 is 57. 67%, 2030 is 67. 81%, while around 68% may be the top of China's urbanization for the next 20 years.
Urbanization rate in developed countries 70%
China's urbanization rate at the end of 2014 is 54.77%, the National Bureau of Statistics announced January 20, 2015
China's urbanization rate (%) 2010 49.90 2009 48.30 2008 47.00 2007 45.90 2006 44.30
2005 42.99 2004 41.76 2003 40.53 2002 39.09 2001 37.66
2000 on 36.22

6, GDP per capita
2002 $1135; 2012, $6092.
China's per capita GDP rose to $7575 in 2014.
Developed countries per capita GDP4 million, developed countries population 600 million. Even if China had robbed all the developed countries of GDP, 1.3 billion Chinese would have been divided by only 20000. So it's hard to reach $20000 per capita for 2024 years.

7, financial products are good for finance
You have a banking product in one bank, and the credit card tip is much easier. Credit card quota can reach 100,000, 100,000 yuan for the self-employed and small micro-enterprise turnover enough.
For medium-sized businesses, banks can accept the ticket.

The price of 400,000, the annual rent of 500 of the house is worth investing?