5 Keys To Building Sustainable Property Portfolio
By Celia, 07 May 2019
By Celia, 07 May 2019
I am a mother and have two beautiful kids. Since my kids were born, our life got harder even my husband and I both worked hard over the years. My gut was telling me that it was time to do something different.
Family is my motivation, I do everything to ensure we are set up for life and provide a better life for them. So, I switched my focus to invest in properties in order to have our financial freedom as our end goal.
Making the right decision or choosing the right property strategy sometimes can be overwhelming, and I’m glad to share my personal experience and property investment guide with you.
Planning is key.
Before you start out the property investment journey, make sure your financial health is checked and understand the amount of money you can borrow. Either lenders or mortgage brokers are able to calculate your borrowing capacity based on your current financial situation like your income, assets and liabilities etc.
Getting a home loan could be one of the most important financial decisions. It’s important to be smart taking on debt, few points should be considered:
Getting a loan pre-approval ideally helps you stay within your budget and speed up the loan process.
There is a difference between borrowing capacity and affordability. It’s not ideal to spend your maximum budget to buy a property.
Here are some questions you should always ask yourself before a decision is made.
“What is my budget?”
“How can I afford to buy?”
“Do I have enough deposit?”
Some small costs like stamp duty, application fees, settlement fees, inspection fees, LMI (if you are borrowing more than 80% of the property price) and body corporate levy (if applicable) should also be considered.
Again, having an appropriate budget and financial buffers against unforeseen circumstances is a good property investment strategy.
Choosing the right property is one of the most important factors to a successful investment portfolio.
Here are some useful tips:
Having the right real estate team in place is a key factor that helps you make the best decisions for your wealth-creation journey.
Experienced Property Strategist provides a full-range of professional services such as property consultation, market research, property valuation and property management services.
Mortgage broker understands the mortgage market and will provide you with valuable information. They are able to find suitable loan package based on your financial status and goal, also manage the process through to settlement.
Solicitor is able to go through all the legal matters that relate to your potential property and can give legal advice in order to protect your best interests.
Achieving financial freedom is a goal for most people. However, building success investment property portfolio takes time. If you follow the right steps well-defined goal, you will achieve the impossible.
Be a part of Midas Family
Midas Real Estate has the proven system and the professional team to assist me in building 4 investment properties within 2 years.
Throughout the years I decided to join Midas Real Estate and follow powerful leader Yoyo Chen as I look at the bigger picture of my special career success.
转变思维,迈出第一步一定是最难的,如果我没有迈出我的第一步,我一定不进则退,还在为我如何选择昂贵的学区房而苦恼。我是如何踏出第一步的?欢迎点击以上视频!
我是两个可爱小孩的妈妈,家庭是我最大的动力,为了让我的家人过更好的生活,我跟我丈夫决定更加努力地奋斗。然后我内心深处有一个声音告诉我,我需要对现状作出改变。为了实现财务自由,我把工作重心转移到了房地产投资。如何选择均衡的投资组合? 还有到底如何实现所谓的财务自由?我很高兴与大家分享我房产投资经历和见解。
房产投资的选择因人而异,这取决于个人目标,财务状况与投资心态,是否适合做投资也因人而异。所以了解自身情况并做好房产投资的前期规划是投资成功的关键要素之一,这也给与投资者足够的自信,从而勇敢地踏出第一步。
选择投资房之前,可以咨询银行或者贷款师了解自身的贷款额度。不过单单知道自己的贷款额度是远远不够的,还要更深入地了解银行贷款产品,选择适合自己的。由于银行针对的人群不同,产品差异也大不同。例如要了解只还利息(Interest Only)还是连本带息(Principal + Interest); 浮动利率(VariableRate)还是固定利率(Fixed Rate); 是否有对冲账户(Offset Account); 还有自身的还款能力等等。
如果已经准备好购房了,也可以向银行申请贷款预批(Pre-Approval)。只要事前了解好自身贷款条件与认识好贷款产品,那么购房贷款就没想象中那么复杂了。
随着房价的不断上涨,很多人买一套房子可能要花费大部分的积蓄。而且有些预算往往会被忽略。例如印花税、贷款申请费用、各种税费、物业费等等。所以控制好预算也是购房的要素之一。如果是首次置业者,合理利用首次置业补贴(First Home Owner Grant)和印花税优惠可以减少购房开支。
做好了预算就能有效地帮助了解自己所能承受的房价,也能更快速有效锁定房源。
根据预算,买哪里、买什么类型便成为下一个考虑因素,最终正确与理性地选房便成为成功的关键。选择投资房产需要考虑三个主要因素:地理位置,租金回报率以及潜在增值空间。
由于社区环境,周边设施,交通便利程度等都影响租房率,在选房时,都需要把这些因素考虑进去。
作为房产投资者,除了希望在税务上获得最大退税利益之外,良好的租金回报率也需要考量在内。如果房产的租金收益能够抵消贷款按揭利息和其他出租产生的支出后还有盈利,让房产产生正向现金流就更锦上添花了。
选择人口增长迅速以及发展稳定和有潜力的区域,是房产增值回报高的重要因素。增值潜力高的房产的增值部分往往可以成为下一套投资房的首付来源。这样可以帮助资金流,最终建立均衡的投资组合。
买房的过程中必然要跟房地产中介,贷款师以及律师打交道,选择专业团队的重要性不可忽略。
房地产中介可提供房地产评估、咨询、物业管理等服务。尤其在选房时,专业的中介可提供该项目所在区域的市场分析,区域内不同项目的对比,房产与市价评估,甚至包括该地区的人口分配,租房情况,周边设施等等重要信息。这些信息都是与理性选房息息相关,可见好中介的重要性。
专业的贷款师会针对客户个人财务情况作评估,在众多的贷款产品中作出选择,协助客户找到最适合和最优惠的贷款组合。因为负责任的贷款师更加了解不同银行的贷款产品与贷款市场变化,往往更懂得如何为客户争取最大利益。
在澳洲买房,只要您签订合法的购房合同,买家与卖家双方律师就会介入。做为买家,您的代表律师在整个购房流程中扮演着不可或缺的角色。专业的律师会解释购房合同,并清楚列明买家在合同中承担的风险及需要履行的义务,以及为客户完成全部购房及过户的手续。
其实房产投资者的初衷是为了更好地提升自己的生活品质。实现房产投资的目标为了就是要实现更大的财务自由。
澳洲的房地产市场因为澳洲本身经济的稳定而具有良好的投资前景。
所以让我们共同拥有坚信的理念,及时调整,从容应对,做一个理性的投资者。
最终选择加入Midas专业团队为更多人服务
感谢Midas在我房产投资过程中,通过其完善的系统以及专业的团队,帮助我在两年内顺利地建立了4套房产的投资组合。通过这些年的努力跟学习,我决心加入Midas团队。另外,也是因为Midas点石置业创始人Yoyo Chen愿意分享她10年的丰富专业知识,激励团队成员不断成长以及深深认同Midas公司始终为客户着想的理念,让对我职业规划蓝图更有信心。如果大家有更多房产方面的疑问或者想要探讨的话题,我很愿意为您的房产投资之路助一臂之力。