|
1. Rentvesting 不仅是富有的老年人可以投资房地产，在所有价格范围内的购房者都可以在一个地区买房，租给租户，然后住在其他地方。这个选择对你合适吗? rentvesting的优点 你不仅可以住在你想住的地方，而且你还可以投资一些可能更便宜的东西，可能提供更好的租金收益，或者随着时间的推移实现更好的资本增长。 rentvesting的缺点 尽管转播权在财务上是合理的，但要记住，负扣税和资本利得税优惠的改变将在下次选举中讨论，这将影响投资者。 澳大利亚税务局最近也宣布，将把执法重点放在那些超额申报或未申报与出租物业有关的收入的人身上。同样，这可能会影响转播权的经济效益。 2. 买公寓而不是别墅 毫不奇怪，在我们所有的首都城市，郊区的房子比市中心的便宜。虽然你可能开始在一个郊区找房子，但要准备好把你的半径再扩大一点，考虑一下那些原本不在你的清单上的地区。 另一个更实惠的选择可能是考虑一套公寓而不是一套房子。记住，你买的第一套房产不一定是你永远的家。 买公寓而不是别墅的好处 在中、外圈地区的公寓甚至联排别墅几乎总是比同一地区的独栋别墅便宜。 你所缺少的空间，往往可以通过较低的按揭还款或在更理想的地方买房来弥补。 买公寓而不是别墅的缺点 在地理位置和房产规模之间，几乎总是存在一种权衡。 公寓和联排别墅比独栋别墅小，通常没有后院或只有一小块户外区域。你能住小一点的地方吗? 
3.搬到一个偏远地区 住在地方城镇往往比住在首都城市便宜得多，而这些较低的成本不仅与住房有关。偏远地区地区的生活费用通常比城市便宜。 住在偏远地区的优点 与偏远地区相比，首都通勤距离以内的地区需求普遍较高。 通常情况下，这可能意味着坐更长的火车或开车上班，但房子更大，户外空间更大。在这些地区，更放松的生活方式是另一个吸引买家的地方。 住在偏远地区的缺点 住在一个地区的挑战可能是找一份工作，或者更确切地说找一份离家近的工作。 60-90分钟的通勤时间对你和你的家人合适吗?考虑一下你是否可以远程工作，或者你的工作时间是否比标准的朝九晚五更灵活。 
4. 在不受欢迎的地方购买 十年前，悉尼的西部腹地远不如现在那么受欢迎，但在这段时间里，这里见证了澳大利亚最强劲的房价增长。 改变这一地区的是，它对年轻人的吸引力大大增加了。 在不受欢迎的地方买房的好处 搬到更便宜的地方肯定会有回报，尤其是如果很多其他想买更便宜房子的人也搬到那里。随着时间的推移，一个曾经不受欢迎的地方的房屋存量变得越来越多的翻新和更好的商店和餐馆，然后成立，以满足新的居民。 在不受欢迎的地方买房的坏处 地区的变化可能需要时间。 因此，尽管公共交通、基础设施以及更好的当地咖啡馆和餐馆等方面最终会有所改善，但这些改善都不会在一夜之间发生。你能接受吗? 5. 记住，便宜的房子不是永远的家 买房子几乎总是一个好主意，因为它让你在经济上有了保障，而且在退休后比长期租房更有保障。 如果你正在寻找一个便宜的第一个家，好消息是它不太可能是你永远的家。这只是一种更快进入市场的方法。 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.
|
