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澳洲買樓 | 普通人點樣做到10套以上投資物業？(下集)
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- เผยแพร่เมื่อ 16 เม.ย. 2021
- 相信你有聽到過有些人專門研究買投資物業，玩到出神入化。擁有10套20套甚至更多的投資物業。反觀自己的情況，買完一兩套，最多三四套就不能夠再貸款，停滯不前。這一集帶大家探討澳洲比較成功的地產投資者的思維，他們是如何設立稅務及貸款架構的，組合裡面的正負現金流平衡，以及對銀行內部對審批貸款的秘密。學會以後，普通人也可以做到10套以上投資物業，為將來收租退休鋪路！
-----適合其他人的房產投資方案，未必一定適合你-----
🖥 預約和劉sir的一對一房產投資規劃:
gv-group.com.a...
🏘 劉sir房產團隊的買家中介 Buyer's Agent
gv-group.com.a...
📩 或將你的問題發送至我們以下的Email:
info@gv-group.com.au
✅ 添加劉 sir 助手的WhatsApp:
+61 493 152 098
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我是Frank Lau，來澳將近30年的香港人。我的工作是做為Buyer's Agent 買家中介，為客戶分析和制定適合的房產投資方案，搭建能夠產生被動收入的房產投資組合。
有任何相關的話題討論，或者給我的意見，請隨時在留言區給我留言
期望與所有志同道合的朋友們相互交流！
DISCLAIMER:
This video has been prepared by Grand Vision Group (Australia) Pty Ltd (ABN 12 641 332 283). There is No Legal, Financial & Taxation Advice in this video. The information provided in this video is general in nature only and does not constitute any type of financial advice and is not intended to imply any recommendation or opinion about a financial product. The information has been prepared without considering your personal objectives, financial situation or needs. The information provided must be verified by you prior to you acting or relying on the information by an independent professional advisor including a legal, financial, taxation advisor and your accountant. Grand Vision Group (Australia) Pty Ltd is not a financial advisor. The information may not be suitable or applicable to your individual circumstances. Before making any decision, it is important that you should seek appropriate legal, tax, financial and other professional advice before you make any decision regarding any information mentioned in this communication, its website and this video. Whilst all care has been taken in the preparation of this material, no warranty is given in respect of the information provided and accordingly neither Grand Vision Group (Australia) Pty Ltd nor its related entities, affiliate companies, employees or agents shall be liable on any ground whatsoever with respect to decisions or actions taken as a result of you acting upon such information.
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加油劉sir,thanks share🫶🏻🫶🏻
I know a couple, husband earns 300k+, wife 200k. Between them they bought >10 IP, interest only. When the husband lost his job, there was enough cash flow to service the loans, after 1-2 years however, the bank wanted them to pay back some money. So they had to sell one of the IP to get some cash. However, it seems after subtracting the interest charge, expenses, renovation to make the IP ready to sell, and capital gain tax, they made little money despite holding for >10 years. So the interest only loan always worries me especially the interest rate is higher.
多謝劉Sir的專業,有用的分析.長知識🙏
好正，聽你分析置業思想已經投資成功👏
❤️❤️❤️❤️❤️
謝謝劉sir! 一起身就替我補腦！
一言驚醒夢中人 其實我所在的區域有很多apartments租金回報好好 但咁多年從來冇諗過入手 因為被典型思想局限 不喜歡舊 不喜歡公寓怕貶值，突然發現原來身後一堆寶可以尋⋯
在下手前 我會努力多做功課
謝謝
多謝你的留言，很高興對你有幫助
以下總結幾點。1。投資物業只還利息. 2. 持🈶️業權, 將物業升值部份refinance成為下一個投資物業首期. 3. 改變投資必須還本同買自己熟悉區分的舊🈶️思為. 要找其他區，外省🈶️正金流物業.
好正，多謝劉sir! 期待更多你既片！
多謝關注
Again, thanks for sharing such an important info.
原來如此，澳洲銀行有它的内部批核標準。另外很正確，華人只偏向自己熟悉的區份，每每被人炒貴了許多，接了火棒。
Frank,
Thank you for sharing the valuable information.
Thank you Janus
Good to know all this DSR thing. Thank you so much.
Negative cash flow 仲要考慮長遠capital gain, 仲有gearing 同 tax deductible 拉低稅率。唔可以一句negative cash flow 唔買。當有五套以上收租properties 就要當公司唔營運，同政府銀行會計師律師deal
Good informations, thanks a lot!
Thanks for watching
謝謝劉sir!
謝謝
請問Debt Servicing Ratio的工資收入，是計before tax定after tax! 謝謝劉Sir!
Before tax
hi 刘sir, 有一点不太明白。如果选一些低增值高回报地区。假设常见一点的7%回报，减去3%利息，再减去正常费用，正的现金流可能不太多。假如每年有2%的增值，那有可能跑输通涨。而三十年后由于无供本，所以房子还不是自己的。这个操作的精粹地方是甚么呢？是要量多，积少成多吗
請問要如何處理租霸同房屋惡意損壞嘅問題，如果遇到，positive即刻變negative。thx
要買Landlord保險啊
多謝劉sir專業知識，我手持student visa 買物業多付8%物業稅好，我不用做貸款，那便不用交租啦，還是繼續交租，等5年後取得PR才買物業好呢？
謝謝Fio，你可以把你具體情況發到我email，看看怎麽可以幫到你。
請問劉Sir 要怎麼在Domain or Real estate 上面直接尋找投資回報高的房區 如何鑑定 什麼比率才是所謂的高 有什麼計算的公式呢？ 謝謝你
謝謝Irene，這兩個網站可能數據有限，可考慮結合Corelogic，SQM Research和其他平台的數據做更詳細分析。
Any difficulty of managing remote properties?
Yes there could be, but that's like anywhere in Australia, even metro areas. Your life will be made easier with a good property manager, and unfortunately sometime you have to try a few different agents to be able to find "the one".
If I am a non Aus resident/citizen, can above investment project still work/feasible?
係呀同你講嘅一模一樣呀😓 洗咗好多冤枉錢⋯⋯原來 好 Broker 好難搵的。我能夠做些認識你的頻道我就唔使行咁多冤枉路
謝謝Annie
請問500k 貸款，5% P+I = $32,210 是如何計算出来的？
只供利息不供款，是不是每3至5年就要申請過？如果不是一個物業可以一世都不還本金？
劉Sir 請問一下租金收入的八成是計算淨租金收入 還是要扣除貸款和一些雜費後的八成？
未扣除成本來計算
@@FrankSir 唔該哂劉sir 😆