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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？

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😅

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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

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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

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？

劉sir，請問海外人士賣出澳洲樓，增值稅計算有分別嗎？謝謝。

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請問咨詢費用

樓價一跌，呢個case 就BBQ了 簡直係借錢入葡京！

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?

Have to deduct the annual cash outflow such as interest, agency fee, repair costs, council rates, etc plus land tax if any

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💪

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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?