Raiders of Overseas House Purchase: Four Solutions to House Purchase Policies in Four Hot Countries

With the spring exhibitions held in Beijing, overseas home ownership has become a seasonal hot topic. The Beijing Morning Post reporter learned from the Beijing Housing Exhibition Organizing Committee that among the overseas projects participating in this exhibition, Australia has the most projects. In addition, the United States, Britain and Portugal are still popular countries for China families to buy houses overseas. The policies of these four countries have been adjusted, and the Beijing Morning Post reporter invited industry experts to interpret the adjusted housing policies of the four countries for consumers.

Changes in the policy of paying application fee for buying a house in Australia: 20 15 to 12 to implement the new policy.

Among the overseas projects participating in this exhibition, Australia has the most projects. Wei Kefei, director of the international business of the Beijing Housing Exhibition Organizing Committee, said, "The Australian real estate market is on the rise, and Sydney, Melbourne and Brisbane have performed strongly and become hot cities for families to buy houses in China."

Australia's housing policy has changed. Yu Jun, deputy director of Knight Frank Shanghai International Investment Department, said, "According to the relevant regulations of the Australian Investment Approval Committee, starting from 20 15 12 1, overseas people who want to buy a house in Australia need to pay the application fee according to the property value when applying for house purchase approval. After 20 15, 12, 1, overseas investors need to pay an application fee of $5,000 to buy properties below 1 10,000 in Australia; Overseas investors who purchase real estate with a value of 6,543.8+0,000 to 2 million Australian dollars need to pay an application fee of 6,543.8+0,000 Australian dollars; For overseas investors who purchase properties of more than 2 million Australian dollars, an additional application fee of 1 10,000 Australian dollars is required for every increase in house prices. "

"After the implementation of the above New Deal, the cost of buying a house in Australia increased slightly. However, most China families will not buy more than A $6.5438+0 million in Australia, so the application fee they need to pay is not too high and affordable. " Wei Kefei said that you can't apply for immigration if you buy a house in Australia.

Buying a house suggestion: you can only buy a new house.

In Australia, there is a big gap in housing prices in different regions. "Sydney's housing prices are relatively high. An apartment with an area of 80 square meters in Sydney, with a total price of 700,000-800,000 Australian dollars. House prices in Melbourne are relatively low. An apartment of the same size in Melbourne only costs 350,000 to 400,000 Australian dollars. " Wei Kefei said.

According to Wei Kefei, the exchange rate of the Australian dollar against the RMB is currently at a low level. In April this year, the exchange rate of 12 was 1 Australian dollar against 4.9 yuan RMB. According to the exchange rate of 5.7 on July 3, 200412,065,438, if you buy a property of 500,000 Australian dollars in Australia, it is equivalent to about 2.85 million yuan; According to the current exchange rate of 4.9, the same property is equivalent to about RMB 2.45 million, saving 400,000.

However, when buying a house in Australia, we should also pay attention to the prohibitive regulations. Wei Kefei reminded, "According to Australian regulations, China families can only buy brand-new houses, not second-hand houses. This means that after many years, China families can only sell their properties to locals when they sell their properties for the second time. "

Will EB-5 home ownership in the United States expire? Policy change: the old government closed at the end of September 2065438+2006.

The United States is one of the most popular traditional immigrant countries. Wei Kefei said, "From 2065438 to September 2005, the number of EB-5 immigrants in the United States was full for the first time, reaching 10000, of which 85% came from Chinese mainland. The US immigration policy has been officially confirmed to be extended to September 30, 20 16. "

EB-5 immigrants in the United States are subject to the American Immigration Law 1990. Foreigners who invest in the United States have the right to permanent residency. Foreign immigrant applicants who invest in establishing commercial enterprises in the United States and create 10 full-time employment opportunities for American workers can be granted a two-year conditional immigrant visa. 90 days before the expiration of the two-year period, if the investment behavior still exists, you can apply for "conditional removal" and become a permanent resident with an investment of US$ 6,543.8+0,000. "At present, China families immigrate through EB-5 investment in the United States, preferring hotels, office buildings and other real estate projects. They can get some properties after the successful operation of real estate projects. However, the development and construction of such real estate projects have also failed, and attention should be paid to preventing risks. " Wei Kefei said.

"From now on, there are less than six months. The US EB-5 investment immigration policy remains unchanged, but it is hard to say how to adjust the policy after September 30th. Therefore, China families with this need should make arrangements as soon as possible according to their family economic situation. " Wei Kefei said. He stressed that buying a house in the United States is not an immigration.

Advice on buying a house: consider the holding cost when buying a house.

In the United States, housing prices in different regions are differentiated. "In hot spots such as new york, San Francisco and Los Angeles, house prices are already at a high level. For example, an apartment with an area of 80 square meters in new york has a total price of 800,000 US dollars to 6,543,800 US dollars. " Wei Kefei said.

However, in areas like Florida, Atlanta and Houston, house prices are not high. Wei Kefei said, "In Florida, $500,000 can buy a villa with a garden and swimming pool with an area of more than 200 square meters. The housing price in Atlanta is relatively lower, and you can buy a villa of the same area for $200,000. "

Wei Kefei told the Beijing Morning Post reporter: "Buying a house in the United States can get a good rental income, and the annual rental yield is around 5% to 6%. However, in the United States, the cost of owning a house is high and property tax needs to be paid. The tax rates stipulated by each state are different, ranging from 1.5% to 3%. "

Changes in the tax policy of British overseas homeowners selling real estate: the New Deal was implemented in early April, 2065438.

On April 6 last year, Britain adjusted its property tax policy for overseas buyers. Beijing Morning Post reporter learned from Jones Lang LaSalle and Knight Frank that according to the new British real estate tax policy, the capital gains tax rate for overseas individual buyers is 18% or 28%.

Zhang Hong, director of the international housing department of Jones Lang LaSalle in North China, said that the capital gains tax in Britain is levied in proportion to the difference between overseas buyers buying and selling real estate. The capital gains tax policy has been implemented since April 6 last year, and it is not retroactive. Therefore, the purchase price of real estate purchased by China buyers will be calculated according to the real estate value of 2065438+April 6, 2005. For example, if a China buyer bought a property with a total price of 600,000 pounds in 20 13, the value of the property will become 800,000 pounds on April 6, 20 15; The China buyer sold the property on 20 16 65438+ 10/0/day, with a total price of 900,000 pounds. The capital gains tax to be paid is calculated by subtracting 800,000 pounds from 900,000 pounds, that is, 6,543,800 pounds. 200,000 pounds from 20 13 to 20 15 is not applicable to this new policy, and capital gains tax is not levied.

It is worth noting that China families cannot emigrate when they buy a house in Britain.

Buying a house suggestion: it is easy to get high rent when buying a school district.

According to Wei Kefei, in Britain, housing prices in London are relatively high. An 80-square-meter apartment in London costs about 600,000 pounds. But in places like Manchester, house prices are not high. An 80-square-meter apartment in Manchester costs about 250,000 pounds.

"There are many famous universities in Britain, attracting a large number of international students to study. Buying a house near these universities is easier to rent and can get higher rental income. " Wei Kefei said that the current annual rental yield in the UK is around 5% to 6%.

Portugal's policy of relaxing the policy of housing purchase and immigration: the issuance of certificates will be relaxed in the second half of 20 15.

It is understood that in order to alleviate the economic downturn, some countries in southern Europe have introduced immigration policies to attract overseas investment, making the types of overseas investment of China families more diversified. Wei Kefei, director of international business of Beijing Housing Exhibition Organizing Committee, revealed that Portugal, Spain and Greece have all introduced policies of applying for immigration by buying a house, which means that as long as you buy a property of 500,000 euros in Spain or Portugal or 250,000 euros in Greece, you can apply for family immigration.

"In the second half of last year, Portugal's immigration policy began to loosen. According to the relevant regulations of Portugal, if you fund local scientific research projects, cultural relics restoration and cultural heritage, you only need to buy a property of 300,000 euros to apply for immigration. " Wei Kefei said.

Suggestions for buying a house: buying a house cannot guarantee high returns.

According to Wei Kefei, Portuguese, Lisbon and Porto properties are the most popular among China buyers. An apartment in Lisbon, with an area of 1 10 square meter, with a total price of about 400,000 euros. A 200-square-meter apartment in Porto costs about 450,000 euros to 600,000 euros.

"Because Portugal is in a period of economic recovery, house prices may fluctuate, so buying a house in Portugal cannot guarantee higher returns. However, Portugal's housing immigration policy is relatively loose. Housing immigrants can bring their wives and children, as well as their parents' in-laws. "

(The above answers were published on 20 16-04- 17. Please refer to the actual situation for the current purchase policy. )

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