Matters needing attention in buying a house in Australia: Is it better to buy a villa or an apartment?

Judging from the appreciation of Australian houses, both apartments and villas have appreciated, but the extent is slightly different. According to official data, in the past 40 years, according to different regions, the average annual growth rate of apartments in Australia was 6% ~ 8%, while the growth rate of garden villas reached 10% ~ 12%. Of course, China people like to be "landlords" in their bones, and those who own land are "bosses".

Under the influence of traditional thinking, most people think that buying a house is of course buying a large area. The villa usually covers a much larger area than the apartment, and the whole land is theirs. But buying a house is not only about land occupation, whether it is an apartment or a villa, the location is as important as the future development space. The environment around the house, transportation, schools, hospitals, shopping and other supporting facilities are all important factors to enhance the value of real estate.

For example, not long ago, a middle-aged couple asked about buying a house in Australia. The couple want to buy a house in Sydney, Australia, but the problem is that the husband wants to buy a garden villa, while the wife wants to buy a luxury apartment. The husband said: "It's good to buy a villa, which covers a large area and can really be a landlord." The wife said, "You are an ancient country. Buying a house abroad requires going to the suburbs. Can't you go to Australia to be a farmer? " ? It must be an apartment downtown. It's fashionable and convenient. "The properties that both husband and wife are interested in are houses that are under construction and have not yet been completed, which is what we often say. One of them is a senior apartment with a price of more than 700,000 Australian dollars, located in the CBD (Central Business District), with a usable area of more than 60 square meters, two bedrooms and one living room, and a shopping mall downstairs, which is very convenient for shopping and traveling. The price of another suite is over 900,000 Australian dollars. The garden villa, about 20 kilometers away from the city center, has a building area of more than 200 square meters and a land area of more than 400 square meters. Although it is a "suburb", it actually takes only about half an hour to drive to work in the city center.

First of all, let's compare the address, location and convenience of these two houses. The apartment is in the city center and the supermarket is downstairs. Not only is it convenient to go to work, but also the commercial facilities are complete and bustling. Even if it is used for investment, it is easy to rent out. The city center is usually a gathering place for business, education, finance, shopping and entertainment, and the traffic naturally extends in all directions, making it very convenient and fast to go to school or work. However, the place with CBD as the center and within 30 kilometers from Fiona Fang is usually called urban area, and the driving time is about 30 minutes at most. Australian natives actually like to live 5 ~ 30 kilometers away from the city center.

And each community usually has well-planned complete and thoughtful supporting facilities (business, medical care, education, transportation, etc.). ), and whether in CBD or other areas, the convenience of life is similar. It can be seen that both urban apartments and suburban villas have their own advantages.

Secondly, you can compare the cost of property management. Buying a two-bedroom apartment in Sydney, Australia, you have to pay a property management fee of about 3000 Australian dollars every year, but you can enjoy the free swimming pool and other fitness facilities in the apartment; If you buy a garden villa, you don't have to pay the property management fee, but every owner has the responsibility to manage his own garden. You need to weed and repair fences regularly, or hire professionals or do it yourself. The cost of this comparison is actually similar, and each has its own advantages and disadvantages.

Furthermore, we analyze these two suites from the perspective of bank loans. In the case of existing homes and apartments, the bank's policy on loans is strict, and the down payment must be 30%; If you buy a villa, the bank loan will be relatively loose, because there is land there, which reduces the loan risk, so the minimum down payment may be only 20%. However, if you buy a building (auction house), whether it is a villa or an apartment, the down payment is only 10%, and the loan amount can usually reach 80%. There is no difference, so buying a villa is the same as buying an apartment, but because the total value of the villa is higher, the down payment of 10% will naturally be higher.

Finally, from the perspective of investment, the rental rate of urban apartments is high, the demand is large and the vacancy rate is low; Houses in the suburbs are large in area, high in rent and relatively stable. In Australia, the main renters usually include international students, new immigrants and single white-collar workers. Therefore, apartments in urban areas can usually be purchased in commercial areas or suburban villas with convenient shopping and transportation, or in places with convenient transportation near well-known universities to ensure rental demand.

Experts said that as an initial investor, in the case of limited funds, you can consider investing in apartments first, with low cost and considerable returns. This comparison, buying an apartment and buying a villa are actually good, and people have different opinions.

(The above answers were published on 20 15- 12-09. Please refer to the actual situation for the current purchase policy. )

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