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工党已经明确表示了他们对负扣税政策的意图——对于购买已建房产的投资者，不再有负扣税优惠，只有购买新房屋的投资者才享有。 对于许多人来说，这是一个可喜的变化，但对于那些耐心等待房地产市场走软、然后才出手投资房地产的人来说，这可能不太受欢迎。 负扣税对于那些不知道这一点的人来说，就是在租金收入的基础上为偿还抵押贷款做出经济贡献。许多物业开支，例如物业管理费、业主立案法团费、议会费、部分维修费用等，亦可扣税。 大多数房地产投资者都是普通人，车库里没有阿斯顿马丁(Aston Martin) DB11，衣橱里没有香奈尔(Chanel)手袋。他们节衣缩食，存钱买房，以便有更好的机会过上舒适的退休生活。 在许多情况下，投资者依赖负扣税优惠来为他们的房产购买提供资金，而这一优惠即将终止，可能会让许多投资者在进入成为房东的澳大利亚梦之前三思而后行。
那么，这对当前的房地产市场意味着什么呢?由于贷款环境收紧，投资者活动减少，许多投资者难以获得融资。这导致墨尔本市场出现了约$60至$140万的“最佳价位”，许多投资者曾在这一价位占据主导地位，令首次购房者感到厌恶。 如果你是幸运的房地产投资者之一，能够获得融资，并希望锁定负扣税的优势，那么现在是时候出击了!不要再坐等市场触底反弹了——现在正是时候。 我劝你还是要对市场和你想买的那套房子做彻底的调查。作为一个长期投资者，资产选择是至关重要的。 复利资本增长仍然是王道，它来自于购买土地的一个强大的土地价值组成部分，因为土地正在升值。 你可能会想，为什么不买一个新的建造和负面装备呢?对于投资者来说，购买新建筑有许多危险信号，即由于高密度设计导致的土地价值非常低，潜在的劣质建筑质量和市场供应过剩导致灾难性的资本增长。 综上所述，如果所有已建立的房产购买都取消负扣税，那么不要绝望，房产仍然是并且永远是增加你财务状况的绝佳工具。你确实需要对资产选择保持警惕，根据你的情况，在市场上进行长时间的博弈，而不是在市场上进行购买。 Negative gearing go time Labor has made their intentions with regard to negative gearing policy clear – no more negative gearing tax advantages for investors who buy established property, only those who buy new builds.
此文章出于 <KRISTY CASKEY, 13 Mar 2019> This is a welcome change for many, but for those of you who have been patiently waiting for a softer property market before striking on an investment property, it may not be so welcome. Negative gearing for those of you who aren’t aware is contributing financially to meet the mortgage repayments on top of the rental income. Many property expenses such as property management fees, Owners Corporation fees, council rates, some repairs etc can also be tax deductible. Most property investors are regular people, no Aston Martin DB11’s in the garage, no Chanel bags gracing the walk-in wardrobes. They scrimped and saved to buy a property to give themselves a better chance at a comfortable retirement. Investors in many cases rely on negative gearing benefits to help fund their property purchase and the impending cessation of this benefit could see many investors think twice before entering into the Australian dream of becoming a Landlord. So, what does this mean for the current property market? With less investor activity due to a tougher lending environment, many investors are struggling to obtain finance. This has led to a ‘sweet spot’ in the Melbourne market in the range of circa $600,000-$1,400,000 – the price point where many investors used to dominate much to the disgust of first home buyers. If you are one of the fortunate property investors who has been able to secure finance and wish to lock in the advantage of negative gearing, then now is the time to strike! No more sitting on your hands waiting for the market to bottom out – the time is now. I urge you to still do thorough research into the market and the particular property you wish to purchase. Asset selection when buying as an investor for the long term is critical. Compounding capital growth remains king and comes from a strong land value component to the purchase as the land is what is appreciating. You may be thinking, why not just buy a new build and negatively gear? Buying new builds has many red flags for investors, namely very low land values components due to the higher density designs, potentially inferior build quality and oversupply in the market leading to disastrous capital growth. To conclude, if negative gearing is abolished on all established property purchases then don’t despair, property is still and always will be a fantastic vessel to increase your financial position. You do need to remain vigilant on the asset selection, play the long game and time the market to suit your situation, not have the market time your purchase.
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