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
Ang qualifying new-build o construction investment lending ay maaaring magbigay ng mas flexible na deposit options dahil maaari itong ma-exempt sa standard RBNZ LVR restrictions. Hindi nito ginagawang automatic ang 20% o 10% deposit: lender policy, servicing, valuation, equity position, property eligibility, at loan structure pa rin ang magtatakda kung ano ang available.
Tax Implications: Interest Deductibility
Hindi na pareho ang new-build-versus-existing interest deductibility split sa lumang rules. Mula 1 April 2025, residential rental property owners ay karaniwang maaaring mag-claim ng 100% ng interest na incurred, subject sa normal IRD rules at advice mula sa accountant.
Bright-Line Test
Nagbago na rin ang bright-line rules. Para sa property na ibinebenta on or after 1 July 2024, ang bright-line test ay karaniwang tumitingin kung ang sale ay within 2 years ng bright-line start date, sa halip na lumang 5-year new-build at 10-year existing-property split.
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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