Is British real estate worth investing in now? Which city should I choose for real estate purchase?

First of all, let's talk about cost performance.

Any kind of investment, including real estate, emphasizes "return". As far as the old capitalist country Britain is concerned, the return on investment in real estate (the blue line below) is statistically higher than that in savings (the green line), gold (the yellow line) and stock market (the red line).

If quantified, according to the statistics of London Land Bureau, in the past 52 years, the average rate of return for any continuous 65,438+00 years was 65,438+068%, for eight consecutive years, 65,438+065,438+09%, for five consecutive years, 66% and for three consecutive years, 35%.

Its return = rent+property appreciation.

To put it bluntly, if you want to buy a house overseas, if you only calculate it from an economic point of view, then you must consider whether to rent or sell the house. No country can say that the real estate market in every city is so neat. For example, in Britain, although the housing prices in London have been rising steadily except during the financial crisis, if you want to invest in Yorkshire in the northeast of England, you can only say that you are making a choice, because Yorkshire is the only area in Britain with a general housing market. Last year, house prices fell by 1%, which is definitely not comparable to the annual increase in Britain.

Furthermore, the "price" of a house must depend on the city, that is, the size, population size and structure of the city. Some people's local houses will keep the value and increase the value. In London, for example, 6.5438+0.5 million international students are enough to rent each year, not to mention more floating population. The land in the heart of Europe is not mud, is it? So in the past 15, 90% of the time the rent was rising, which was also shown by the data released by ONS. As for the rental-sales ratio, it has always been 4-5%. Comparing the average rent-to-sale ratio of China Beishangguang 1%-2%, we can know how the house is "Nissan".

If you have to buy a house with the idea of nouveau riche, you don't have to look ahead. Because the overseas housing market and China's housing market mechanism are different. Free economy, strong government supervision, and has been accompanied by obvious financial attributes. Therefore, if you expect the house to skyrocket, it is unlikely that you can turn to China, the next "Beijing" singularity city. If you buy London, you can only say 10 (double). First of all, overseas home buyers should focus on stability and make soup instead of fried rice with eggs. It is estimated that it will be a disaster to advocate that you buy a house with the logic of fried rice.

Overseas real estate is also divided into owner-occupied demand and pure investment. It is easy for us to understand that some children go to school, some work, some emigrate, and some go for retirement. I really met a star named Zhou. I bought tens of millions of houses next to Harrods Department Store in London. I have been there several times a year. Go for a walk in the Thames in the morning, and visit Hyde Park in the afternoon with sunglasses. There are no paparazzi. So Tony Leung Chiu Wai went to Prague to feed a pigeon and came back. I think maybe he bought a house in Prague.

In short, people who buy houses have different backgrounds, but the logic of life is the same. Otherwise, overseas buyers who account for one-third of London's real estate purchases, from Mr. Chen, a neighbor who works in a state-owned enterprise, to the famous Li Ka-shing, Liu and others, all have "Harlem" in their pockets, and "Qian Furen" does it himself? So if you have such a house overseas, you can actually live by yourself, and the high probability is that the utilization rate is very high (for example, children go to school there for 9 months every year), which is very logical. The function of your own house is much bigger than renting a house, and it can also play the role of investment and financial management. Why not? In recent years, it is really simple to support education with housing, support loans with rent and invest in mature markets in developed countries.

If you want to save trouble, or don't want to spend money on high-quality services, it is not suitable for buying a house overseas. After all, it is very important for domestic people to have a good intermediary and service platform to help deal with the size of the house, from buying rent to selling.

If we talk about reinvestment, the smaller the assets, the more we want to increase the value, while China's assets want to protect the capital. Rich people are very anxious about the fact that putting money in the bank has dead interest. The deeper anxiety is the fear of being cut off. Moreover, leeks are planted overseas, and it is difficult to cut their hands. Eggs are divided into baskets, which is why many people buy homes overseas and even distribute them around the world.

Finally, I want to say that the topic of overseas home ownership is too big. I believe it is impossible for me to finish writing an article about the housing ownership in a country. Not every country is suitable for investment. The national conditions, environment, housing market situation and policies are different, and it is also very long to talk about, but here we can refine and compare:

As for the timing of investment, I think it mainly depends on your capital and demand, including the international situation, exchange rate and local real-time policies.

For example, during the epidemic, the popularity of studio-style new houses in the London market rose instead of falling, because in terms of policies, Britain introduced a series of policies to stabilize housing prices and maintained a stable position in the international arena; At the time of investment, the exchange rate of the pound was at a historical low (the lowest was RMB 8 1), and many overseas buyers chose to buy London at this time. In addition, stamp duty reduction and overseas purchase tax will not be levied until March next year. No wonder many people choose this time to get on the bus.

The last concept is the question of happiness. Research shows that the amount of property is positively related to happiness, among which the first and second kinds of property contribute a lot to happiness, and the third kind of property has reached a marginal point. The concept of having a house overseas is obviously different from that of having a house at home, so the first suite overseas can also be applied to this happiness dimension.

British lansha real estate