China's Foreign Investment Market Report released by DTZ in September shows that China's investment in the United States, Hongkong and Australia was relatively evenly distributed in the past, and great changes have taken place this year. In the first five months of this year, * * has invested US$ 654.38+006 billion in the United States, accounting for 62.3% of the total. Among them, new york remains the most popular destination for overseas investment, attracting about $3.5 billion in investment in the same period.
The managing director of dtz Greater China Research Department believes that "this wave of China's investment in the United States is as high as 1.43%, far exceeding the total investment of $4.37 billion last year. Mainly due to the appreciation of the US dollar and the recovery of the US economy, the financing cost in the US market is relatively low. "
From the format, office investment accounts for 50% of the total investment. The most popular destinations are the United States and Hongkong, which together account for 80% of China investors' overseas transactions.
Hotel investment followed closely, accounting for 42% of the total investment. In the same period, the total hotel investment reached $76,543.8 billion, about 28% higher than that in 2065,438+05.
How to avoid risks in global asset allocation?
Insiders reminded that overseas investment should always pay attention to the policies and changes of the host country, including immigration, application process, loans, taxes and fees, exchange rate, real estate supply and demand, etc. , to maximize the protection of their rights and interests, to achieve the ultimate goal.
Generally speaking, each country's national conditions are different, so investors can't measure the rise and fall of overseas housing prices by the changes in China's housing market. In addition to paying high taxes at the time of purchase, the transfer taxes in some countries are also surprisingly high, and there are not low property management fees and property taxes every year. In terms of tax collection and handling fees, some countries must set many thresholds for overseas buyers. Even if the intermediary service agencies are used to handle the complicated procedures and expenses of purchasing houses, the buyers should clearly and clearly participate in the whole process to avoid being deceived.
There are six major risks that need attention.
1. Market fluctuation risk. The biggest risk of China's overseas real estate investment comes from the drastic market fluctuation. Therefore, it is necessary to have a basic understanding of the economic development trend and real estate cycle fluctuation law of the target country, and carefully analyze the development potential and population inflow of the city.
Second, policy and political risks. Not only do domestic real estate control policies exist, but foreign governments will make adjustments at any time according to the actual situation, especially the public's response. Political risks, such as xenophobic incidents, often occur suddenly and have complicated reasons. Therefore, we should pay attention to international changes, try to go out to sea together and improve our ability to safeguard rights.
Third, the risk of trading links. Overseas housing prices are not high, transaction costs are not low, and some housing prices are obviously low, just as domestic prices are marked with low reserve prices to attract buyers, but the actual maintenance costs may double. Therefore, it is necessary to deeply understand the credit status of local developers, master the construction period and payment method of real estate, and avoid investment risks. When choosing intermediaries, we should be particularly cautious and give priority to intermediaries with long operating life, large scale and high credibility.
4. Risks in the operational phase. Property tax is widely levied in foreign countries, and the cost of holding real estate is high, but the appreciation of real estate is slow. According to reports, it is not easy to find a buyer if you want to sell, and it is actually difficult to rent in many places. How to maintain management is also a problem, far beyond the ocean. We should consider the quality of tenants, the security situation and the responsibility of owners.
5. Tax cost risk. Foreign taxes and fees related to real estate mainly include property tax, deed tax, land tax, stamp duty and value-added tax, as well as maintenance fees, attorney fees, insurance fees and management fees. All countries impose additional taxes and fees on non-nationals. Therefore, it is necessary to study the real estate taxes and fees in various countries in detail and measure whether the tax and fee costs are affordable.
6. Risk of capital transfer. Foreign exchange management tends to be strict, and how to transfer funds safely is the premise of overseas real estate investment, which needs the guidance of professional institutions in the financial field.
Introduction of buying houses in various countries
US: Taxes are not as heavy as expected.
The tax policies of American states are basically around 1%-3%.
According to the current tax law in the United States, if the owner has lived for more than two years, the difference between the buying and selling prices of single people does not exceed $250,000, and the difference between the buying and selling prices of married families does not exceed $500,000, there is no need to pay income tax.
Inheritance tax and gift tax are not as harsh as expected: only inheritance of more than $600,000 or a gift of more than $6,543,800 will be taxed.
Australia: I'm interested in the appreciation potential.
There are no publicly invested real estate immigrants in Australia. What attracts China investors is the future appreciation potential of Australian real estate.
The rental return rate of Australian real estate is very stable, currently at 5%-7%. Villa is also a popular shared house in the rental market.