20 19 which country is better for overseas real estate investment?

There are only a few factors that need to be considered in overseas real estate investment: safety, practicality (whether there is a demand for self-occupation), cost (cost performance ratio) and appreciation space.

And Britain, the United States, Australia, Southeast Asia; Where are the investment highlights of these countries? Are there any investment highlights?

First, the United States:

Many overseas investors may consider buying American houses. Generally speaking, the focus of the United States is on the symbol of "the world's number one power". Of course, some sellers will take advantage of American property rights protection, excellent environment and high rental return. But these advantages are actually found in many properties in other countries. Then the intermediary who sells a house in the United States generally does not cover up the disadvantages and difficulties of buying a house in the United States. Here, Lansha will popularize it for everyone.

Disadvantages: high local taxes, rent control, transaction taxes and fees, and complicated environment.

In fact, people who know the United States know that Americans don't like buying a house because it is easier to buy a house than to raise one. House prices in the United States have not increased much, and there is little pressure to buy a house. But in the United States, it is not necessarily more cost-effective than renting a house every year, that is, paying a sum of money to the government every year. According to statistics from the Pew Research Center, in recent years, the United States "only rents and does not buy".

Americans actually do their own calculations and are very stingy. Not to mention that the total cost of buying a house in the early stage is about 3%-5% of the property price. Annual local tax: 1%-2.4%, which is a headache. If you pay/kloc-0,000,000 US dollars to buy an American house, and the land tax rate is 2%, then you have to pay 20,000 US dollars of property tax for this house every year,/kloc-0,000 divided by 2 = 50 years, which means you have to buy another house every 50 years. What is even more vomiting blood is that the local tax is still collected according to the "current actual value" of the house, that is, if the property is doubled, it is necessary to pay double the property tax. Ah, the wool is on the American government. In addition, the annual interest rate of loans to foreigners will be very expensive, 4-6%. Buying a house with a loan will waste the annual rent in minutes.

Another example is rent control. The law restricts the amount of rent charged by landlords to tenants, and only allows the annual rent to increase by a certain amount, such as 2.5%. In this way, the increase in house prices and rents cannot be high, which is also a limitation of American value-added. Later, I wanted to sell the house in the United States. If it is an investment house, the value-added part needs to pay 15%-30% capital gains tax, which is quite painful to think about. What's more, foreigners in the United States need to pay 40% inheritance tax, and the tax allowance is only $60,000, while the tax allowance for Americans is 5.49 million, so it is still such an expectation to consider the transfer of assets to the United States.

Finally, talk about security. Choosing a property is nothing more than choosing a country. Thanks to COVID-19, everyone has heard about a series of things that the United States has done recently. In addition to China's policy, various restrictions (expelling China students from the country, stopping issuing visas, etc. ), the public security and social composition in the United States is also very complicated, so it is hard to say that buying a house in the United States is a safe choice.

In fact, housing selection in the United States is also very complicated. Big cities are expensive, small cities are biased, cities are far apart, and legal systems are different. Choosing the right house is difficult, laborious and time-consuming. Various environments are complex, and even Professor Bodie of Boston School of Management in the United States emphasizes: "Don't invest in markets where local people have more advantages." Ordinary people in China are not advised to buy a house in the United States.

So American real estate is really beyond the reach of ordinary players.

Secondly, Australia:

The original intention of many people considering buying a house in Australia is relatively simple, such as protecting private ownership, preserving the value of developed countries, the sunny coast with good air and relatively cheap exchange rate ... and so on. But in fact, having a dream in Australia is not that simple.

For a simple example, the Australian dollar exchange rate is very unstable, which can be said to be a roller coaster. The exchange rate is too complicated. As a beginner player, it is really unpredictable with a pair of discerning eyes. For example, 20 12, the Australian dollar against RMB 6.0 yen, 13, became 5.0 yen, and then from 14 to 15, all showed a downward trend, with a minimum of 4.6. You said that if you bought a house in Australia with RMB and Australian dollars in 20 12, by 15, the house actually lost 25% in exchange rate, that is, a quarter of the house went out, and three of the four houses directly lost, which was sour. Not to mention the epidemic, the Australian dollar exchange rate fell to freezing point 4. Combined with the recent Chinese exclusion policy in Australia and the fact that Australian students are really the main force in renting houses, I have to worry about Australian real estate sellers. In this case, it is the real man who dares to buy.

Taxes and fees are a little more, such as various house purchase taxes, transaction taxes, income taxes, taxes and fees when the house is held, property management fees, garbage clearing fees, etc. , really not small. The key point is that the tax collection in Australia is unstable, and the policy stability is relatively poor due to the influence of Australian government policies. One party has a set of policies, and there may be a negative tax deduction policy last year, which will be cancelled this year; Then specially pull China people to check, for example, strictly check the source of housing funds, and raise the loan tax. , will it hurt? I can't afford to be hurt, but I have no choice but to pay.

First of all, the average mortgage interest rate in Australia is about 7% in ten years, and the floating range is between 5% and 8%. Really? Not low. If you just buy rent, you can't pay back the loan every year. So the sunshine in Australia is still a little hot sometimes.

Third, let's talk about "Southeast Asia" which has been heated up recently:

For example, in Thailand, tourism has been very popular in recent years, and then people in China think that Thailand is very good, so they can go for a pension and have a cheap house. After that, they can rent it out and sell it, kill two birds with one stone, and maybe make a fortune. But this idea is really too young and naive.

First of all, the location of real estate investment must depend on the economic and social strength of the real estate location. What is Thailand like? This is a country engaged in tourism. Its own economic progress cannot suddenly rely on the rapid development of a certain industry. Can't we expect the population and house prices to increase? For example, if you want to rent your Thai property, you can only rent it out in the peak season, and tourists pay for it, but in the off-season, you have to leave it vacant for half a year and pay a high property fee every month. It is not easy to rent or sell, because Thailand does not allow any foreigners to buy land in Thailand except Thais. Moreover, Thailand stipulates that any form of land purchase is not carried out under the legal framework, and the risks are borne by the investors themselves. It is stipulated in Thailand that foreigners should not own more than 49% of a building. Therefore, there are many dishes specially selling foreigners in Thailand. Foreigners buy at high prices and developers make money. If it is given to local people, they will sell it at a low price. You buy them, not cut them leeks.

Moreover, real estate in Thailand is not cheap, and the price of boutique plates in Bangkok is comparable to that in Shanghai. What you heard was cheap and particularly biased. It's not easy to rent and sell if you buy it. It looks cheap, but the cost performance is very low.

Moreover, even second-hand houses in Bangkok are hard to sell. No foreigners look at second-hand houses, and Thai locals are reluctant to buy second-hand houses. Besides, as a foreigner, it is not convenient to sell a house in Thailand. Disappointed for several months, we are waiting for the price reduction.

For example, in places like Vietnam and Malaysia, the truth of Thai real estate is similar, that is, can you bet on the national sports environment? There are also problems of legal protection for foreigners, sound private property, unreliable property of developers and running away. These are big bets.

The real estate market in the above countries is not to persuade everyone to directly pull the black, but to carefully consider and evaluate whether the advantages outweigh the disadvantages and whether the risks outweigh the opportunities. In fact, if you really consider the needs of immigration or self-occupation, it is most reasonable to consider buying a house locally.

In a word, I suggest that if you are just an ordinary player, focusing on investment, the first thing to buy a house overseas is to choose a country. If you want to invest, the best choice is Britain. Look at the real estate bull market, which is also the outstanding performance of Britain.

First of all, this is enough to convince the public that overseas buyers and local buyers buy houses in the UK equally.

In other words, if you buy it in Britain, you don't have to pay foreigner tax. If you buy in other countries, even in the United States, you have to pay 5% tax first. Think about it, even if the house rises by 5% in two years and then sells, it is still a loss-making business.

If this is not enough, let's compare the real estate investment policies of various countries vertically from all levels:

This shows why British real estate can be quite popular with overseas buyers. In addition, the British housing market has been bullish, so it is no wonder that during the epidemic, Blackstone Group and Li Ka-shing of the United States made a big fight in the British real estate market.

Why did you vote for Britain? The following analyzes the advantages of buying a house in the UK from various levels:

From a cost perspective:

The house price is lower than that in the north, with abundant real estate products, wide price range and flexible payment cycle, which is suitable for investment with different budgets. Foreigners buy a house without tax, so the cost of buying a house is hundreds of thousands less than that of Australia and the United States; There is no pool in the house, and the hardcover has home appliances, so the permanent property right is practical and reliable. The loan interest rate is extremely low, with the lowest annual interest rate of 1.69%. Pay back the principal without paying interest, and you can afford it without much money.

From the point of view of just need:

More than 654.38 million British students and those studying in the UK pay tens of thousands of pounds for their study and work every year, so it is better to buy a house. Many foreign students or people who work in Britain didn't know in advance, so they regretted that they didn't "support their studies by housing" or "support their loans by renting" and earned all their tuition and living expenses back. Knowing about British real estate, anyone who can afford it will choose one.

From the perspective of trends and investment opportunities:

At present, the pound exchange rate is at a historical low; Overseas investment buyers come from all over the world and do not rely on a single national investment group. British real estate continues to attract the attention of overseas buyers. Even during the epidemic, the British real estate market did not cool down. Rightmove's latest report shows that the listing price of sellers in the English real estate market in June 2020 increased by 1.9% compared with that in March, and increased by 2.9% compared with the same period of last year. It represents the continuous and steady progress of British real estate.

In addition, the United Kingdom introduced the stamp duty reduction and exemption policy for house purchases this month, and all properties delivered before the end of March next year will be reduced by as much as 654.38 yuan +0.3 million yuan, which can be said to be a tangible benefit for property buyers.

These all mean buying a house overseas, and you can consider the UK.

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