China people prefer to buy property overseas. You must understand these risks.

In recent years, more and more China people like to buy a house overseas, and "own a house abroad"-which was originally the patent of the rich, has gradually entered the homes of ordinary people. People buy these overseas properties for two reasons: investment or immigration. But overseas home ownership is not suitable for everyone. You must be aware of the following risks.

China people prefer to buy property overseas. You must understand these risks.

What is buying a house overseas?

Overseas house purchase refers to a series of activities such as purchasing non-domestic land and houses and exchanging non-domestic real estate, including house sale and lease.

For example, Wang Jianlin, the richest man in China, bought a mansion in London for 80 million pounds (about 770 million yuan), which is called overseas home purchase.

Why buy a house overseas?

Frank, director of Jiafeng Ruide's overseas investment department, said that on the one hand, the continuous depreciation of the RMB has been understood by many people as a new investment opportunity, and more and more people know how to allocate assets to hedge exchange rate risks on a global scale. On the other hand, because the domestic housing purchase restriction policy inhibits investment demand, high-net-worth people hope to seek more investment opportunities in overseas markets.

In fact, according to the data released by the media, more than 40% buyers tend to invest in overseas real estate, and investors pay more attention to the preservation of investment rather than demanding how much income overseas projects can bring.

Who is suitable for overseas home purchase?

Stephen, a senior financial planner at Jiafeng Ruide, believes that overseas home ownership needs careful consideration and is not suitable for anyone. At present, high-net-worth people with property preservation and appreciation needs, overseas students, immigrant families closely related to employment and life, and people with holiday needs are more suitable for overseas home ownership.

What risks do overseas home buyers need to pay attention to?

The biggest risk is foreign exchange risk. For example, buying a house in Canada is purely an investment. If the Canadian dollar falls, there will be risks. Buy a house locally, and now pay with 6 million. If the exchange rate goes down, you can only get back 5 million. This is a test for people who buy real estate overseas. Therefore, it is a good choice to choose a relatively stable national exchange rate with strong room, such as the US dollar.

In addition, the second risk comes from the buyer himself.

Buyers should first make clear their own purpose of buying a house, understand the corresponding laws, regulations and policies and the length of property rights, which are important foundations for buying a house overseas. Therefore, finding a professional team with good reputation and strong strength to be a real estate agent, such as Jiafeng Ruide's overseas real estate project property consultant team, can largely avoid risks.

In addition, we should understand the purpose of buying a house. For example, buyers with the main purpose of investment immigration should always pay attention to the corresponding immigration policies and changes in their countries and regions to ensure that their plans in recent years can finally achieve the goal of investment immigration. The overseas real estate projects recommended by Jiafeng Reid have long-term cooperation with local real estate consultants, and can also tailor overseas investment plans according to individual overseas home purchase needs.

Secondly, we need to know the property rights of overseas properties. Different from the 70-year-old house use right in China, foreign property rights are divided into free property rights, * * * business property rights and free * * business property rights. Different property rights have different obligations and responsibilities.

Thirdly, the problem of loans and taxes is often the biggest headache for buyers. Different countries, even different regions and places will have a small amount of corresponding taxes and fees. There are many kinds of fees, big and small, and buyers need to spend a lot of time checking them carefully. Jiafeng Ruide Overseas Property Consultant's familiarity with the operation process and awareness of legal risk avoidance can enhance the security of the transaction.

Finally, for investors who want to hold the purchased overseas real estate for a long time, it is best to make a long-term and reasonable plan, which covers the holding cost, resale or inheritance cost, daily care, asset safety and so on.

(The above answers were published on 20 16-05-28. Please refer to the actual situation for the current purchase policy. )

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