Which country is good for overseas real estate investment in 219?

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.

Britain, America, Australia, Southeast Asia; Where are the investment highlights of these countries, and are there any investment highlights?

First of all, the United States:

Many overseas investors may think about buying an American house. Generally speaking, the focus of the United States is on the logo of "the world's number one power". Of course, some sellers will take advantage of the advantages of American property rights guarantee, excellent environment and high rental return. But these advantages are actually available in many properties in other countries. Then the agency that sells houses in the United States generally does not cover up the disadvantages and difficulties of buying houses 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 "buying a house is easier than raising a house". The price increase in the United States is not large, and the pressure on buying a house is not great. However, in the United States, it is necessary to "pay for the house" every year, that is, pay a sum of money to the government every year. After all, it may not be more cost-effective than renting a house.

Americans actually do their own accounts and are 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 $1 million for an American house, and the land tax rate is 2%, then you have to pay $2, in property tax for this house every year, and 1 divided by 2 = 5 years, which means you have to buy your house again every 5 years. And 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 will have to pay double the property tax. Ha, the wool is lost by the US government. In addition, the annual interest rate of loans to foreigners will be expensive, 4-6%. If you buy a house with a loan, the annual rent will be wasted in minutes.

Another example is rent control. The law limits 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%. As a result, the increase in house prices and rents cannot be high, which is also a limitation of American value-added. Later, you want to sell the house in the United States. If it is an investment house, the value-added part needs to pay 15%-3% capital gains tax, which is quite painful to think about. What's more, foreigners in the United States need to pay 4% of the inheritance tax, with a tax allowance of only $6,, while the tax allowance for local Americans is 5.49 million, so it is still such an expectation to consider the transfer of assets to the United States.

finally, let's talk about security. Choosing a property is nothing more than choosing a country. As a result of COVID-19, everyone has heard about a series of things that the United States has done recently. Apart from the policy of China, various restrictions (expelling China students from the country, stopping issuing visas, etc.), the public security and social composition of the United States are also very complicated, so it is difficult to say that buying a home 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, and cities are far apart, and there are differences in legal systems. It is difficult to choose a suitable house, which is laborious and time-consuming. Various environments are complex, 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:

Many people consider buying a home in Australia for simple reasons, such as protecting private ownership, preserving the value of developed countries, having good air on the sunny coast and relatively cheap exchange rate. But in fact, it's not that simple to have a dream in Australia.

For a simple example, the exchange rate of the Australian dollar is very unstable, which can be said to be a roller coaster. Moreover, the exchange rate is too complicated. As a beginner player, it is really impossible for a pair of discerning eyes to predict. For example, in 212, the Australian dollar was at 6. against the RMB, and it became 5. in 13 years. In the following 14 to 15 years, it became more and more downward, with a minimum of 4.6. You said that if you bought a house in Australia with RMB and Australian dollars in 212, by 15 years, the house had actually lost 25% in terms of exchange rate, that is, a quarter of the house went out, and the set of four directly lost the set of three, which was sour and refreshing. Not to mention the epidemic, the Australian exchange rate fell to freezing point 4. Combined with the recent Chinese exclusion policy in Australia, and the fact that overseas students in Australia are really the main force in renting houses, I have to sweat for Australian real estate sellers. In this case, it is really a man to dare to buy.

a little more taxes and fees, all kinds of house purchase tax, transaction tax, income tax, taxes and fees when the house is held, property management fee, garbage clearance fee, etc., are really not small. The key point is that Australia's taxes and fees are not collected stably, which is influenced by Australian government policies, and the policy stability is relatively poor. One party has one set of policies, and there may be a negative tax deduction policy last year, which will be cancelled this year; And then specifically pull China people to check, such as strictly checking the source of housing funds, raising loan taxes and fees, etc., can it hurt? I can't afford to be hurt, but I have to pay helplessly.

What's more, the average mortgage interest rate in Australia is about 7% in ten years, with a fluctuation range of 5%-8%. Really? Not low. If you just buy rent, you won't be able to repay the loan every year. So the sunshine in Australia is still a bit hot sometimes.

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

For example, Thailand has enjoyed a boom in tourism in recent years, and then China people think that Thailand is very good, so they can go to retirement and have a holiday, and the house is cheap. After that, they can rent it out and sell it, killing two birds with one stone, and maybe they can make a profit. But this idea is really too young too naive.

the first place to invest in real estate must depend on the economic and social strength of the real estate location. What is Thailand like? It is a country engaged in tourism. Its own economic progress can't suddenly rely on the rapid development of a certain industry. Can't it be expected that the population and housing prices will increase? For example, if you want to rent your Thai property, you can only rent it out in the peak season, and some tourists pay for it, but in the off-season, it has to be vacant for half a year, and you have to pay high property fees every month. It's not easy to rent or sell, because no foreigner in Thailand is allowed to buy land in Thailand except Thais. Moreover, Thailand stipulates that land purchased in any form is not carried out under the legal framework, and the risks are borne by the investors themselves. The proportion of foreigners holding a building is not more than 49%, which is Thailand's rule. Therefore, there are many special plates selling foreigners in Thailand. Foreigners buy them at high prices, and developers make money. If they give them to locals, they sell them at low prices. You go to buy them, not give them leeks to cut.

Besides, real estate in Thailand is not cheap, and the prices of boutique plates in Bangkok are comparable to those in Shanghai. What you have heard about is cheap, which is particularly biased. If you buy it, you can't rent it, but you can't sell it. It looks cheap, but the price/performance ratio is very low.

Besides, even second-hand houses in Bangkok are hard to sell. No foreigners look at second-hand houses, and Thai locals are unwilling to buy second-hand houses. Besides, as a foreigner, it is inconvenient to sell houses in Thailand. After a few months of disappointment, you will only have to wait for a cut in price to cash out.

Take Vietnam and Malaysia as examples. In fact, the reason for Thailand's real estate is similar, that is, can you bet on the national sports environment? There are also problems of legal guarantee to foreigners, sound private property, unreliable property of developers, and the problem of running away. These are all big bets.

The real estate market in the above countries is not to persuade people to pull the black market directly, 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 immigration or self-occupation needs, it is most reasonable to consider buying a house in the local area.

In a word, I suggest that if you are just an ordinary player and focus on investment, the first thing to buy a house overseas is to choose a country. If you want to invest, you should invest in a country with strong economy, and the best choice is Britain. Let's look at the real estate bull market, which is also the outstanding performance of Britain.

First of all, it is enough to convince the public that overseas buyers and local buyers are treated equally when buying a house in the UK.

That is to say, if you buy in the UK, you don't have to pay foreigners' 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 is sold after 5% increase in two years, it will still be a loss-making business.

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

In this way, we can see why British real estate is quite popular with overseas buyers. Coupled with the fact that the British housing market has always been bullish, it is no wonder that during the epidemic, Blackstone Group and Li Ka-shing of the United States made big moves in the British real estate market.

why did you vote for Britain? Let's analyze the advantages of buying a house in Britain from various aspects:

From the cost point of view:

The house price is lower than that in the north, and the real estate products are rich, the price range is large, and the payment cycle is flexible, which is suitable for investment with different budgets. There is no tax for foreigners to buy a house, so the cost of buying a house is hundreds of thousands less than that of Australia and the United States; The house has no public pool and hardcover with home appliances, and the permanent property rights are practical and assured. The loan interest rate is ultra-low, and the lowest annual interest rate of 1.69% can only repay the principal without interest, and you can afford it without much money.

From the point of view of just need:

More than 1, British students and people studying in the UK pay tens of thousands of pounds a year for studying and working, so it is better to buy a house. Many overseas students or people working in the UK did not know in advance, so they regretted that they did not "support their studies with their houses" and "support their loans with their rents" and earned back all their tuition and living expenses. Knowing about British real estate, anyone who can afford to buy it will choose one.

From the perspective of trends and investment opportunities:

At present, the exchange rate of the British pound is at a historically low level; And 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 has not cooled down. According to the latest report of Rightmove, the listing price of sellers in the real estate market in England increased by 1.9% in June 22 compared with that in March and by 2.9% compared with the same period of last year. It represents the continuous steady progress of British real estate.

In addition, the United Kingdom introduced a reduction and exemption of stamp duty on house purchases this month, and all houses delivered before the end of March next year will be reduced and exempted by up to 13, RMB, which can be said to be a real welfare for buyers.

All these mean buying a house overseas, and you can consider the United Kingdom.

British lansha real estate