Where is a good place to buy a house abroad? Teach you a few tricks to avoid the trap of buying a house

In recent years, the threshold for overseas home ownership has gradually decreased, allowing the adaptive population to develop downward from the top of the pyramid. Among overseas buyers, many buyers are driven by the demand of immigrants and want to use a foreign property as a stepping stone to get passports.

The trap of buying a house overseas 1: buying a house and getting a passport.

The behavior of buying a house and sending an account abroad and at home is different. In some countries, especially developed countries, the government recognizes that real estate is an investment and development project, which is generally not linked to immigration.

For example, buying real estate in the United States and Canada does not mean that you can immigrate; Buying a house in Australia is not equal to immigration, but can only add points when applying for immigration. The Australian government also stipulates that non-local residents can only buy new houses, including pre-built houses and existing houses that have not been rented for 12 months after completion.

Among them, the Portuguese government stipulates that you can apply for a temporary permanent residence card if you buy more than 500,000 euros of real estate in Portugal, while in Spain, foreigners can also get a residence permit if they buy Spanish sovereign debt or real estate, but the premise of these two countries is to pass the language exam, both in Spanish and Portuguese, and few people pass it.

Trap 2 of overseas house purchase: ants move for foreign exchange or are targeted.

According to statistics, more than 70% of China people will pay cash when buying a house overseas. However, according to the current foreign exchange management regulations, the maximum amount of foreign exchange per person per year is $50,000, so cash buyers will borrow the ID cards of relatives and friends to exchange foreign exchange. For example, if a homebuyer wants to pay $800,000 for a lake view holiday villa in the United States, he may need to use more than 65,438+06 ID cards to exchange dollars.

Recently, China Business Daily (Weibo) quoted Reuters as saying that the Shanghai branch of SAFE was exposed and issued a notice, asking banks to be alert to possible spin-off transactions and refuse to purchase foreign exchange if necessary. This means that in the future, the ants used by cash buyers in the past may face the dilemma that once they are discovered, the parties will be pulled into the attention list and foreign exchange transactions and remittances will be prohibited.

At present, there are four legal ways to buy real estate overseas, which are provided by banks at home, offshore in the form of RMB, and then purchased locally; Commissioned payment by intermediary companies entering the American market; Overstock loans provided by banks and financial institutions; Purchase overseas real estate through investment funds.

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Trap 3 of buying a house overseas: fantasizing about buying a house abroad is profitable.

Ms. Li sold a suite in Beijing, raised more than 3 million yuan, and bought six suites in Houston, USA. Her abacus is that the rent of each house is more than 400 dollars per month, which can not only rent the house back in Beijing, but also earn 6.5438+0 million yuan per month.

This inspirational story of buying a house has been widely circulated on the Internet, giving a shot in the arm to many overseas buyers who are still in the wait-and-see stage. It is true that foreign housing prices are generally lower than domestic ones, and housing rents are much higher than domestic ones. However, the bizarre degree of this story obviously far exceeds its credibility.

Deng Zhiyuan, general manager of Guangzhou Jiangxi Navigation Foreign Office, said that the rental return of renting houses in Europe and Australia is generally maintained between 4% and 6%. Take Guangzhou as an example, the domestic occupancy rate of 1% to 2% is relatively high.

However, it is different from the situation that buying a house in China is basically a one-time payment. Buying a house in some overseas countries requires high stamp duty and annual property tax. For example, in the United States, the annual property tax accounts for 1% ~ 4% of the total house value. Relatively speaking, the holding cost of Australian real estate is relatively low and there is no property tax.

Trap 4: Intermediary brands are not always good.

Choosing a reliable overseas house purchasing agency is a key part of investment. In the process of choosing an intermediary, many people will pursue some companies with big brands and long service life, and feel that big companies have higher credibility and better service.

In fact, this is not the case, because all the products represented by intermediary companies, including immigration projects and real estate projects, are not developed by intermediary companies themselves, so buyers should mainly choose good project developers.

Generally speaking, when buying a house overseas, the intermediary will ask for a deposit, travel expenses, deposit, air tickets, hotel fees and so on. In fact, these fees are all priced by themselves, and there is no uniform standard. Therefore, some intermediary companies in the business expansion period will try their best to reduce prices in these links in order to attract customers and establish a reputation.

Trap 5: Educational real estate is not suitable for foreign countries.

For many families in China, the main purpose of emigrating abroad is to let their children receive higher education abroad. In order to meet the needs of buyers, intermediary companies have launched various overseas real estate projects with educational real estate as the main selling point. Can owning an educational property really be a magic weapon for children to enter overseas quality schools?

In fact, there is no such thing as educational real estate abroad, which is mainly speculated by some domestic intermediaries according to the habitual buying thinking of Chinese people. In the United States, although foreign public schools also implement the method of nearest admission, the admission conditions are not linked to the purchase and settlement. Even if parents have no real estate in the corresponding area of the school, they can apply for admission to the rented house.

But at the same time, the so-called educational real estate also has certain advantages for renting. In some places, there are many schools, and the proportion of students and parents renting houses is relatively large. If it is used for rent, it will be guaranteed by the customer and the rent will be higher than other similar properties.

(The above answers were published on 20 17-0 1-20. Please refer to the actual purchase policy. )

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