澳大利亚凭什么成为海外房产投资者的首选？

2015年04月16日  来源：居外

在很长一段时间内 ，澳大利亚一直是一个房地产投资热点，来自世界各地的人们争相在澳大利亚房地产市场分杯羹。据澳大利亚储备银行（Reserve Bank of Australia，简称澳储银行）称，外国投资澳大利亚房产的投资总额已经从1990年代的每年60亿美元涨到2012至13年的170亿美元以上。而一年之后，已获审批外国投资购房的价值已经超过全国房产总营业额的12%。

[caption id="attachment_123237" align="aligncenter" width="400"] 澳大利亚凭什么成为海外房产投资者的首选？[/caption]

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为什么投资澳大利亚？

四个核心因素使澳大利亚一个投资的好地方：

• 23年以来经济不间断增长，国际货币基金组织预测该国2013年和2019年之间GDP年增长率为2.8%。
• 世界上劳动力最熟练、最多样化和受过教育程度最高的国家之一—— 40%的劳动力持大学认证或高等文凭。
• 靠近快速增长的亚太出口市场，加上房地产业透明程度排名世界第三。
• 预计2013-14年至2019-20年期间，全澳洲基础设施总投资高达1250亿美元的。

最后一点尤为重要，这样大规模的管道基础设施项目计划，意味着越来越多的地区将能经历重大的资本增长。

澳大利亚作为投资热点的其他看点是其迅速增长的人口。2015代际间报告显示，到2054-55年，澳大利亚的人口预计将增长至近4000万——人口增加近1700万。而达到这一目标，目前尚短缺900万间房屋。

国际买家可以投资什么样的房产？

一般来说，外国买家只能购买新房或空地，并且其目的只能是投资。一旦选择好想购买的房产，你必须寻求澳大利亚外国投资审查委员会（Australian Foreign Investment Review Board）的提前批准。提交申请后，30天以内便会获得回复。

在澳大利亚投资购买房地产还有什么须知？

在投资之前，确保你知道投资的全部成本。你需要至少房产购价的5 - 10%做押金，以及足够钱款以支付附加费用，如：

• 印花税（这点因州份而异）
• 法律费用
• 保险
• 验房费

大多数外国买家可以贷款房价的80%，从而省去银行抵押贷款保险的成本。

为了成功地投资，您还需要正确的投资融资。现在一些银行可为非本地居民提供与典型借贷人相同的服务和抵押贷款利率，包括额外还款、100%抵消账户，以及只付息贷款等选择。

由于澳大利亚现行利率刷新了最低记录，所以现在投资该国房产是有史以来最好的时机。

Why Australia is a prime target for overseas property investors?

For a long time now Australia has been a hotspot for investing in property with people all over the world vying for a slice of the Australian real estate market. According to the Reserve Bank of Australia (RBA), foreign investment in residential property has grown from $6 billion a year in the 1990s to more than $17 billion in 2012/13. The year after that, the value of foreign approvals for home purchases was more than 12% of total dwelling turnover.

WHY INVEST IN AUSTRALIA?

There are four core factors that make Australia a great place to invest:

• 23 years of uninterrupted economic growth, including a forecast GDP of 2.8% between 2013 and 2019 by the International Monetary Fund
• One of the most skilled, diverse and educated work forces in the world - 40% hold tertiary qualification or an advanced diploma
• Proximity to the quickly growing Asia Pacific export markets, coupled with the third most transparent real estate industry in the world
• Total projected infrastructure investment of $125 billion between 2013-14 and 2019-20 across every state and territory

The latter is particularly significant - with such a large amount of planned infrastructure projects in the pipeline, it means a widening radius of areas that could experience significant capital growth.

The other significant attraction of Australia as an investment location is its rapidly growing population. The 2015 Intergenerational Report recently revealed that, by 2054-55, Australia's population is expected to grow to nearly 40 million - an increase of almost 17 million. There is currently a shortfall of 9 million homes in regard to this target.

WHAT KIND OF PROPERTIES CAN INTERNATIONAL BUYERS PURCHASE?

Broadly speaking, foreign buyers can only purchase new homes or vacant land, and only for investment purposes. You will have to seek prior approval from the Australian Foreign Investment Review Board once they've chosen the property they want to buy. Once you've applied, you should receive a decision between 30 days.

THE ESSENTIALS OF BUYING AN INVESTMENT PROPERTY IN AUSTRALIA

Before making your investment, be sure you're aware of the full cost of investing. You'll need at least 5-10% of the purchase price to make a deposit, as well as enough to cover supplementary expenses, such as:

• Stamp duty, which varies from state to state
• Legal costs
• Insurance
• Building inspections

Most foreign buyers can borrow 80% of the property's value, allowing them to avoid the cost of lenders mortgage insurance.

In order to successfully invest, you'll also need to get the right investment finance. Some lenders now offer the same features and interest rates on mortgages for non-residents as they do for more typical borrowers, including extra repayments, 100% off set accounts and the option of interest only loans.

Thanks to the record low interest rate environment currently prevailing in Australia, there's never been a better time to invest.