![Frank 劉Sir](/img/default-banner.jpg)
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Frank 劉Sir
Australia
Registrace 8. 10. 2011
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。我希望把我對房產投資的知識分享給所有投資愛好者,或者熱愛投資的朋友們,真正實踐利用房產創造財富。
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!
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!
澳洲買樓 | 買樓前必須搞清楚幾個問題!
-----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.au/consulting
🏘 劉sir房產團隊的買家中介 Buyer's Agent
gv-group.com.au/buyers-agent
📩 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
----------------------------------
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.
🖥 預約和劉sir的一對一房產投資規劃:
gv-group.com.au/consulting
🏘 劉sir房產團隊的買家中介 Buyer's Agent
gv-group.com.au/buyers-agent
📩 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
----------------------------------
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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如果買家是位退休人士亦沒有任何被動收入,只有現金資產(假設為想購買那房屋的兩倍),那麼銀行會作貸款考慮嗎?
no income no borrow
講解專業清晰,謝謝分享👍
Kilburn 現是中東人聚居的地方,因為它離市中文不太遠,附近又有 Costco,慢慢旺起來。以前是比較差的地區,現在卻屋價高漲,雖然治安一般,但勝在多地大的房屋,十分受越南及中東人喜愛。
once retired, rather than receiving rental income, would it make more sense to 1: sell when there is no other income to pay the least amount of CGT and 2: Invest in blue chip shares that pays 4-5% dividends and more flexible, more liquid and no maintenance? I have 3 IP making $1550 per week, already positively geared.
多謝分享,最近我就是對positive 或 negative geared有點confused 覺得好似negative geared 收到退稅多啲開心啲😅
🎉
劉Sir真係超曬班!大多數華人仲未意識到劉Sir講既策略係幾咁有用!
聽完需要放盤搵我,快速成交,多個二手賣價最高成交記錄保持者。以下是不同agent在同期同房型賣價差5 萬記錄。(都係冒生命危險放😂。) 1807/915 Collins Street, Docklands 83 萬。 2007/915 Collins Street, Docklands 78 萬。
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My own home in Sydney, bought in 1996 for $350k with 1000 sq m land. Spend 150k in extension a few years later. Now the land value in the council rate is $2m, and if I sell it would be around 2.8m to 3m. Bought commercial property for around $350k in 2000 within my superannuation. It is now valued around 1.9m and collecting 100k rent each year. My passive income has exceeded my wage.
從來都唔入市中心 塞車塞到怕😂😢
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my son bought a small house in regional NSW, for about $220k, and rent it out for $300/wk. Land is reasonably big.
my son bought house and land (550 sq m land) and built a 4 bedroom house for $600k in total, around 2023 in regional NSW area. Now he bought land 4000 sq metres for $280k also in regional NSW, planning to built his own home one day.
澳洲跟香港不同。
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Thanks for sharing
❤
In Sydney, with 900k you can expect looking at some old run down house in Penrith area, with small land, no extension potential. My son built house/land package in regional NSW for 600k in 2023. Now it is valued 100k higher due to land price increase alone.
I bought an IP after GFC. Not many people where buying at the time. I could even offer a lower price. Bought for 473k and now it is worth at least 700k. Rent is 580/wk, already cash flow positive.
over time, my IPs are in positive cash flow, and makes profit after cost. There are still some depreciation benefit as well. There are capital gain but I would rather not needing to sell it until after I retire.
hopefully, when I retire I have $150k/yr of rental income
at 23 years old my son started his first investment property (regional NSW) built new house on empty land, for a good price. He also syndicated with one of his friend to buy another IP in another country town with good return. Now he is 24 and bought another land in another country town, to build his own home one day. Yes he is working quite hard to pay the loan but he does have cash flow from his first 2 properties.
Interest rate 2021 2.5%; 2024 6% should always assume the worst case.
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.
講得唔錯👍🏽。 外國人買公寓好難搵錢,只是租金的稅就32.5%了
thank you Sir Lau for clear explanation of offset account. Macquarie bank allows up to 10 offset accounts against 1 loan for effective separation of funds. In my case, I put some of my money into a separate offset of my child to help out the interest. We agree that the money inside the account is still mine. In effect I help out by reducing the interest payable.
吹 water😊
我感覺到你說話時一身正氣, 加油.👍
劉Sir,上年八月買咗新樓之後先放咗嗰間投資樓,咁樣係咪要交增值稅 😢,
呢一集真係乾貨滿滿 請問自住物業有冇話至少要住幾耐先搬得出去(從而避免 CGT)?
請問劉sir可唔可以invoice under company 啊?
10年后我將自住物業出售,这樣免增值稅了,然后我收回投資物业用來自己住永日。这样行得通吗,劉sir😂
我
when SMSF buys a residential property, it cannot be used by any related party of the members of the fund. Everything has to be "at an arm's length". The only exception is the SMSF can purchase the business premise of the member's work and the member can continue to work there. Effectively the rent paid by the member is going into the SMSF as income and it is fully allowed. I used this method for the past 20 years and it is working very well. Initially the loan was done with bank bills about 3% higher than the residential home loan rate.
it is a good video with up to date information. I have a friend who holds >10 IPs between herself and her husband, but interest only. They used to buy 1 every year. Myself my IPs are positively gear now as I pay P&I and one of them is fully paid off. With increase income I could in theory buy another one.
直接平賣比自己子女就得啦
唔怕俾仔女趕出家門逼入養老院嘅咪得囉....
@@akasomot9762 咁留間細屋自己住 其他平賣lor
@@athenaexclamation4167 未必可行,因為稅局會以市場估值計算!
thanks for good information. I have no intention to sell my investment properties, then no CGT. Maybe after retirement when I am not working. Receiving rental income is good enough.
劉sir,照你所說,扣了稅的折舊要加到cost base, 那麼就等於賣樓時要一次過交出多年已節省的稅,豈不是每年用折舊扣稅不是真正扣稅?因為樓總有一天會賣,那麼每年用折舊扣稅是自欺欺人?
係,千其唔好折,折左正契弟😊
你折扣今日既一萬 。20年後還返一萬 。但係個一萬已經失去20年前一半既購買力
Moreover, there is 50% discount on Capital Gains on assets sold more than 12 months after purchase. Depreciation each year deducts income by whole 100% without discount.
@@bonjela No discount for non-tax resident
@@tomwg1279如果賣樓蝕錢, 都要嘔返之前嗰啲出嚟?
劉sir,請問海外人士賣出澳洲樓,增值稅計算有分別嗎?謝謝。
@@GTT36 非稅務居民沒有50%折扣,要付很多稅。
@@lowuok1 謝謝解答,那有任何扣减嗎? 例如買樓時開支, 物業折舊等. 感謝
@@GTT36 其實物業折舊,嚴格嚟講,唔算係扣減,到你最後要賣樓的時候,以往扣過稅的折舊,要計返落去計算資產增值,來交資產增值稅,分分鐘要抬錢去交稅。
👍
請問咨詢費用
樓價一跌,呢個case 就BBQ了 簡直係借錢入葡京!
sorry 原來樓價係永遠只升不跌的!🎉🎉🎉🎉🎉🎉🎉🎉🎉👍👍👍👍👍👍
所以跟住要分散到不同市場了,不能太集中
全部樓在柏斯?還有40萬的樓
劉Sir, 對你來講,參與客戶買幾套投資房的收益,遠遠要比只買一套自住房要大得多,這點你認同嗎?
可以這麼說,因為我們按套收費。也有客人只買一套貴的。各有所需,我們的工作是一樣的。最終要看甚麼適合客戶自己的情況
Have to deduct the annual cash outflow such as interest, agency fee, repair costs, council rates, etc plus land tax if any
Already have
謝謝劉Sir的分享,客戶的案例是很特別的成功。期待往後的交流。 30/7💪
🎉
要搵正現金流的房產談何容易😢
謝謝詳細分析
is 現金流 referring to rental yield?