Kung nagpaplano kang mag-invest sa residential property, isa sa mga unang desisyon ay bumili ng bago o existing. Bawat option ay may iba’t ibang deposit requirements, tax implications, at growth potential.
Deposit Requirements: Malaking Pagkakaiba
Karaniwang pinapayagan ng mga banks ang 20% deposit para sa new build investment properties, ang ilang banks hanggang 10%. Ang existing investment properties ay nangangailangan ng 30-35% deposit sa ilalim ng kasalukuyang LVR rules.
Tax Implications: Interest Deductibility
Ang 2021 changes ng gobyerno ay fundamentally binago ang investment property landscape. Ang new builds ay nagpapanatili ng full interest deductibility. Ang existing properties ay hindi na makakapag-deduct ng interest.
Bright-Line Test
Ang new builds ay may 5-year bright-line period, ang existing properties ay 10-year.
Maintenance at Compliance
Ang new builds ay may kasama nang Code Compliance Certificate, builder warranties, at Healthy Homes compliance. Ang existing properties ay maaaring mangailangan ng $2,000-$10,000+ na Healthy Homes upgrades.
Capital Growth Potential
Ang existing properties ay madalas may advantage - established locations, mas malaking land components, at renovation potential.
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