如何在多伦多投资公寓Condo楼花

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楼花即是期房,指尚未开工或建筑完工的房地产物业,开发商拿出设计图给购房者认购,这时的房价是最便宜的,也是公认的最佳投资时机。投资楼花是投资房地产的一个极为常用,同时也是效率非常高的手段。

这种投资形式操作相对简单,比较适合海外投资者和手头现金并不是很多的投资人。由于从楼花发售到建成交用,通常历时4至5年时间甚至更长,投资款分期支付(通常每笔5%),交房前一次性资金占用少,相当于长期存款。变成现房时转让或短期持有后卖出,可赚取期房和现房差价。继续持有出租更可以获得较高的租售比。就算自己或子女使用,也已经比现时房价便宜很多。因此应当成为您必不可少的一项房产投资形式。

投资楼花,需要研究分析所投资楼盘的增值性,地段、开发商、价格等关键性因素。

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买楼花与买现房的区别:

 经常有客户问到:在多伦多投资房地产,买楼花还是买现房?针对这一问题,【老毕组合】认为,应当根据购房人的购买目的、使用需求以及资金状况而定。现在就和大家一起聊聊,希望可以帮助投资人做出判断:

房价及资金占用量的区别:购买楼花,通常签约时支付房价的5%,之后则按照5%的比例在一年半左右分期投入至15%-20%,等于用房价的20%资金投资,在没有贷款的情况下享受到未来房产的增值额。而购买现房,则直接按成交价,立即进入还贷期。根据现在的银行贷款政策,通常需要在交房前(约2-3个月)准备出房价的35%-40%资金。

由此可见,购买楼花前期占用资金不大,房子交用后如果转手卖出,即可获利。但需要等待4-5年的时间,不太适合短期有入住需求的购房人。而购买现房需要具有一定的资金量(通常为房价的35%-40%),但是可以很快使用或出租。

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购买楼花的流程:

首先要找专业的经纪一起分析楼盘的位置、大环境、开发商实力、项目设施及投资回报,然后再进一步实施:

1.实地考察或GOOGLE上了解楼盘位置和地理环境

2.研究户型图,根据自己的资金预算和楼盘价格范围,选择心户型和楼层范围,建议作出至少三个选择等;

3. 请您的地产经纪填写购房认购单(Worksheet),目的是预留理想户型。只需要提供一些客户基本信息:驾照或其他ID,现住址,Email,电话和职业,SIN#等,不用交定金。特别提醒,受欢迎的小户型或低价位的房源只有及时预订才可能拿到。

4. 开发商通知签购买合同:一定要带上身份证件和银行支票本。此时会交5000加元定金(银行本票或个人支票)放在开发商律师的信托账户。如果您身在海外,可签一个授权委托书(POA),委托您的家人,朋友或经纪代您签合同。如果购买者能够在现场则拿到好户型的几率会更高。

买家在签订购房合同时还应注意:
a.核对您的名字b. 楼层和单元是否正确c. 押金数目和缴钱时间d. 有无车位和储藏室e. 可否转让,转让条件f. 开发税是否规定有上限

5. 签合同后您有10天冷静期。利用这10天认真研究买房合同,甚至找律师阅读合同。

6. 一般开发商会要求在10天-30天内提供银行贷款预批文件。

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对于国际买家来说,楼花无疑是风险系数最小,收益稳定,操作较为简单的最佳置业投资。在去年房市最萧条的时候,许多投资公寓楼花的客户曾表示了担忧。而通过近期紧密追踪公寓房市的交易情况,事实是:即使是在政府及银行政策调整所带来的整体房市下挫环境下,市中心及热点区域的公寓价格却逆势上涨,2018年1月表现出了14%的增长率!足见市场对于公寓的巨大需求依然存在,源源不断的大量移民、广大投资者和巨大的学生群体支撑起了公寓市场。

现在多伦多市场上,在建在售的楼盘众多,我们在帮助客户选择投资型房地产时一直秉持的原则是“宁可错过,不能买错”。面对众多良莠不齐,档次各异的楼花市场,保持理智和谨慎地分析,选择投资回报最稳健的项目,才是我们的明智首选。

近期多伦多市中心、北约克、中城区及约克郡快速发展的城市中心都有新楼盘陆续推出,欢迎您紧密关注【老毕组合】发布的最新最热门楼花信息!

以上资料仅供参考,如果您对大多伦多地区各个社区感兴趣,如果您有计划2018年在多伦多投资置业,希望了解更多社区和楼盘信息,欢迎联系多伦多资深地产投资顾问【老毕组合】电话:647-338-5258 ,Email请至[email protected],更多文章请参阅www.wendyzeng.com。欢迎添加我们的微信,关注更多资讯。

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