1. Rentvesting
不僅是富有的老年人可以投資房地產(chǎn)，在所有價格范圍內(nèi)的購房者都可以在一個地區(qū)買房，租給租戶，然后住在其他地方。這個選擇對你合適嗎?
rentvesting的優(yōu)點(diǎn)
你不僅可以住在你想住的地方，而且你還可以投資一些可能更便宜的東西，可能提供更好的租金收益，或者隨著時間的推移實(shí)現(xiàn)更好的資本增長。
rentvesting的缺點(diǎn)
盡管轉(zhuǎn)播權(quán)在財(cái)務(wù)上是合理的，但要記住，負(fù)扣稅和資本利得稅優(yōu)惠的改變將在下次選舉中討論，這將影響投資者。
澳大利亞稅務(wù)局最近也宣布，將把執(zhí)法重點(diǎn)放在那些超額申報(bào)或未申報(bào)與出租物業(yè)有關(guān)的收入的人身上。同樣，這可能會影響轉(zhuǎn)播權(quán)的經(jīng)濟(jì)效益。
2. 買公寓而不是別墅
毫不奇怪，在我們所有的首都城市，郊區(qū)的房子比市中心的便宜。雖然你可能開始在一個郊區(qū)找房子，但要準(zhǔn)備好把你的半徑再擴(kuò)大一點(diǎn)，考慮一下那些原本不在你的清單上的地區(qū)。
另一個更實(shí)惠的選擇可能是考慮一套公寓而不是一套房子。記住，你買的第一套房產(chǎn)不一定是你永遠(yuǎn)的家。
買公寓而不是別墅的好處
在中、外圈地區(qū)的公寓甚至聯(lián)排別墅幾乎總是比同一地區(qū)的獨(dú)棟別墅便宜。
你所缺少的空間，往往可以通過較低的按揭還款或在更理想的地方買房來彌補(bǔ)。
買公寓而不是別墅的缺點(diǎn)
在地理位置和房產(chǎn)規(guī)模之間，幾乎總是存在一種權(quán)衡。
公寓和聯(lián)排別墅比獨(dú)棟別墅小，通常沒有后院或只有一小塊戶外區(qū)域。你能住小一點(diǎn)的地方嗎?
3.搬到一個偏遠(yuǎn)地區(qū)
住在地方城鎮(zhèn)往往比住在首都城市便宜得多，而這些較低的成本不僅與住房有關(guān)。偏遠(yuǎn)地區(qū)地區(qū)的生活費(fèi)用通常比城市便宜。
住在偏遠(yuǎn)地區(qū)的優(yōu)點(diǎn)
與偏遠(yuǎn)地區(qū)相比，首都通勤距離以內(nèi)的地區(qū)需求普遍較高。
通常情況下，這可能意味著坐更長的火車或開車上班，但房子更大，戶外空間更大。在這些地區(qū)，更放松的生活方式是另一個吸引買家的地方。
住在偏遠(yuǎn)地區(qū)的缺點(diǎn)
住在一個地區(qū)的挑戰(zhàn)可能是找一份工作，或者更確切地說找一份離家近的工作。
60-90分鐘的通勤時間對你和你的家人合適嗎?考慮一下你是否可以遠(yuǎn)程工作，或者你的工作時間是否比標(biāo)準(zhǔn)的朝九晚五更靈活。
4. 在不受歡迎的地方購買
十年前，悉尼的西部腹地遠(yuǎn)不如現(xiàn)在那么受歡迎，但在這段時間里，這里見證了澳大利亞最強(qiáng)勁的房價增長。
改變這一地區(qū)的是，它對年輕人的吸引力大大增加了。
在不受歡迎的地方買房的好處
搬到更便宜的地方肯定會有回報(bào)，尤其是如果很多其他想買更便宜房子的人也搬到那里。隨著時間的推移，一個曾經(jīng)不受歡迎的地方的房屋存量變得越來越多的翻新和更好的商店和餐館，然后成立，以滿足新的居民。
在不受歡迎的地方買房的壞處
地區(qū)的變化可能需要時間。
因此，盡管公共交通、基礎(chǔ)設(shè)施以及更好的當(dāng)?shù)乜Х瑞^和餐館等方面最終會有所改善，但這些改善都不會在一夜之間發(fā)生。你能接受嗎?
5. 記住，便宜的房子不是永遠(yuǎn)的家
買房子幾乎總是一個好主意，因?yàn)樗屇阍诮?jīng)濟(jì)上有了保障，而且在退休后比長期租房更有保障。
如果你正在尋找一個便宜的第一個家，好消息是它不太可能是你永遠(yuǎn)的家。這只是一種更快進(jìn)入市場的方法。
Cheaper ways to get into the property market
With all Australian capital cities now featuring amongst the least affordable in the world to buy a home, getting into the property market continues to be difficult.
此文章出于
<Nerida Conisbee, 26 Mar 2019>
1. Rentvesting
It isn’t only wealthy old people that can invest in property, rentvesting allows buyers within all price ranges to purchase a home in one area, rent it out to tenants and then live somewhere else. Is this option right for you?
Pros of rentvesting
Not only can you live where you want with rentvesting, but you can also invest in something that is perhaps cheaper, may provide a better rental yield or achieve better capital growth over time.
Cons of rentvesting
While rentvesting can make financial sense, be mindful that changes to negative gearing and capital gains tax concessions are on the table at the next election and this will affect investors.
The Australian Tax Office has also recently announced it will focus its enforcement activities both on those who overclaim or don’t declare income related to rental properties. Again, this could have an impact on the financial benefits of rentvesting.
2. Buy an apartment instead of a house
It’s no surprise that in all of our capital cities, homes on the fringe are cheaper than those in inner city locations. While you might begin house hunting in one suburb, be prepared to expand your radius a little further and consider suburbs that weren’t originally on your list.
Another more affordable option could be to consider an apartment instead of a house. Remember that the first property you buy doesn’t need to be your forever home.
Pros of buying an apartment instead of a house
An apartment or even a townhouse in middle- and outer-ring suburbs are almost always cheaper than a house in the same area.
What you lack in space, can frequently be made up for by either lower mortgage repayments or by buying in a more desirable location.
Cons of buying an apartment instead of a house
There is almost always a trade off between location and the size of a property.
Apartments and townhouses are smaller than houses and often have no backyard or just a small outdoor area. Can you live with the smaller space?
3. Move to a regional area
Living in a regional town can often be far cheaper than living in a capital city and those lower costs don’t just relate to housing. Often the cost of living in a rural area can be cheaper than the city.
Pros of making a tree change
Regional areas within commuting distance to a capital city are generally in higher demand than more remote locations.
Often it might mean a longer train ride or drive into work, but a bigger house and more space outside. The more relaxed lifestyle in these areas is another thing buyers find attractive.
Cons of making a tree change
The challenge with living in a regional area can be finding a job, or rather finding one that is close to home.
Would a 60-90 minute commute into work suit you and your family? Consider if you’re able to work remotely or whether your hours can be more flexible than the standard 9-5.
4. Buy in an undesirable area
Ten years ago the inner west of Sydney was far less desirable than it is now, but over this time it has seen some of the strongest price growth in Australia.
What has changed this area is that it has become far more attractive to young people.
Pros of buying in an undesirable area
Locating to cheaper areas can definitely pay off, particularly if a lot of other people looking for cheaper homes also move there. Over time the housing stock of a once undesirable location becomes increasingly renovated and better shops and restaurants then set up to cater for new residents.
Cons of buying in an undesirable area
It can take time for areas to change.
So, while eventually there will be improvements in things like public transport, infrastructure and better local cafes and restaurants, none of these improvements will happen overnight. Can you live with this trade off?
5. Remember, cheaper homes aren’t forever homes
Buying a home is almost always a good idea, as it sets you up financially and provides far more security in retirement than long-term renting.
If you are looking for a cheap first home, the good news is that it is unlikely to be your forever home. It’s just a way to get into the market sooner.
聯(lián)系客服
