How to invest in overseas real estate

In overseas investment, real estate has always been the main investment product favored by domestic high net worth people. On the one hand, because the domestic housing purchase restriction policy inhibits investment demand, high-net-worth people hope to seek more investment opportunities in overseas markets; On the other hand, the expectation of appreciation and depreciation of RMB relative to the currency of the investing country has also driven the investment upsurge of overseas real estate, making it the best way to store foreign exchange and avoid risks.

Where do China people like to buy houses?

United States: most States do not restrict foreigners (companies) from buying general residential and commercial real estate; Transaction cost accounts for about1%of the total house price; Pay 2%-3% of the house price, property management fee, property insurance fee and property tax every month; The United States has become the first choice for China people to invest in overseas real estate.

Canada: The Canadian government encourages foreigners to invest in real estate. The only difference is that in the down payment ratio of mortgage, Canadians are 25%. For foreigners, the down payment must reach 35% of the total. To apply for a loan, an income tax receipt is required. The land transaction tax is about 1%, which varies according to different regions. Owners need to pay taxes to the municipal government every year according to the property valuation. For example, the current tax rate in Toronto is about 1%-65438+ 0.2% of the house value.

Australia: Non-Australian permanent residents who want to buy a house in Australia must obtain the approval of the Australian Investment Committee (FIRB) before buying a house; At present, overseas people can only buy brand-new houses; The transaction cost is about 3%-4% of the house price or land value; For apartment purchase, the daily expenses are: property management fee (quarterly payment), municipal fee (quarterly payment) and sewage fee (quarterly payment) account for1%-2% of the purchase price; The biggest advantage of investing in buying a house in Australia is that it can provide mortgage loans, usually 70% of the house price; At the same time, bank loans can be allowed for the longest period of 15 years, and only interest is paid without repayment of principal; You bought a single-family villa, and the daily expenses are: municipal fees and sewage charges (paid quarterly), accounting for about 0.5% of the purchase price.

Britain: After 20 15, the British government began to levy additional capital gains tax on the resale of British properties by overseas buyers. The agency fee is generally 0% of the total price of 65,438+,and it takes 2-3 weeks for house evaluation and survey appraisal, and the cost is generally around 300 pounds. The attorney fee is within the range of 0.5- 1% of the total price; Stamp duty is the most important tax for buying a house in Britain. Usually, it must be paid within 30 days after the real estate transaction is completed. Stamp duty is levied by the British tax authorities, and the collection standards are different according to the different property rights and uses of houses.

Singapore: ancestral houses can only be bought by citizens and permanent residents in Singapore, and foreigners can only buy commercial houses when they go to Singapore; The agency fee for house purchase is 65438+ 0% of the transaction price; Government stamp duty is 3% of the house price minus S $5,400, plus10%; The annual property tax is 4% of the annual assessed rent (self-occupation); If it is used for investment purposes, the property tax is 10% of the assessed rent, and the owner also needs to pay personal income tax on the rent.

For domestic real estate investors, why buy a house?

I. Investment-type house purchase:

Most investors buy real estate overseas in order to appreciate, for two reasons: first, domestic investment channels are very limited; Second, more and more domestic investors go abroad to learn more investment opportunities, and it is easier for investors to accept physical investment. When buying investment-oriented overseas real estate, it is necessary to make a clear accounting of investment income, including: the cost of buying a house, the cost of decoration and repair, the amount of taxes involved, the one-time payment and the annual payment; Investment income, such as rental income, how to rent, the loss of houses and internal facilities, including the value of the real estate itself, the trend of real estate prices in the area where the real estate is located, and the restrictions imposed by laws and regulations in this regard should all be taken into account. Moreover, overseas real estate investors who focus on investment need to clearly understand the relevant tax calculation of the property income, the tax involved in the sale of the property and the requirements for investors.

Second, education procurement:

Investing in educational real estate is a tradition of China people and a hot investment project in recent years. The prices of real estate around some good foreign schools are also very high, with a relatively large increase in recent years. Because it is mostly related to the school where children attend, the convenience of transportation and life is the primary consideration. In addition, for children of different ages, the supporting requirements for community and public security also need to be understood in many ways. But don't blindly believe in the so-called school district housing investment. There is an essential difference between investing in a school district and studying in a school district.

Third, the old-age housing:

With the continuous improvement of the quality of life, it also gave birth to the demand for real estate investment in retirement life. This kind of investment will have higher requirements for the environment. In addition to recognizing the scenery and humanistic care, we should also examine the local medical conditions and the convenience of life, as well as whether the housing design is suitable for middle-aged and elderly people, and whether the supporting services such as language, culture and diet vary from person to person.

Fourth, holiday-style house purchase:

This kind of real estate is not much different from overseas pension real estate, which requires higher environment and prefers areas with mild climate and low population density. The difference is that the holiday-type real estate has a short residence time, mainly for vacation, relaxation and family happiness. Investors will bring their life preferences into this kind of real estate, such as being close to mountains and seas, and whether there are other supporting sports facilities such as golf, horseback riding and yachting.

Verb (abbreviation for verb) Immigrants buy houses:

Immigrating overseas real estate is usually affected by the national investment immigration policy. The key lies in the matching and improvement of the national real estate immigration policy, the restriction of real estate types, the requirements and conditions of visa types and so on. All these require investors to know and compare in advance. China Bureau of Foreign Experts Affairs and domestic real estate investment experts said: "Don't emigrate for the sake of emigration, and don't emigrate just by spending money or buying a house to save trouble;" It should be matched with its own immigration planning, enterprise expansion, wealth placement and inheritance planning.

Six, comprehensive type

There are many motives for investors to buy demand. This kind of investment property needs comprehensive consideration, combining the characteristics of the first five overseas investment properties and the actual situation of individuals. At the same time, Guo Xin Meitou will make integrated project recommendation and planning guidance according to the specific situation, purpose and requirements of customers, and define the steps and methods according to individual needs.

No matter where China people invest, they need to have a full understanding of the real estate market in the investment destination. Yongzheng reminded them not to be greedy for cheap, because the "cabbage" they bought was still just "cabbage"; Don't buy a so-called "luxury house" with a swollen face, because from the perspective of cash flow, the luxury house you buy does not belong to the category of wealth at all, and even becomes a tax paying machine; Therefore, it is particularly important to formulate a sustainable and stable investment strategy and scheme according to one's own wealth demand and investment purpose and combined with one's own conditions.