Investment Property

Mga Karaniwang Pagkakamali ng First-Time Property Investors (at Paano Iwasan)

21 July 2025-7 min read-By Jarrod Kirkland

Read in:English 中文 Bahasa Indonesia Filipino Français हिन्दी

Mga Karaniwang Pagkakamali ng First-Time Property Investors (at Paano Iwasan)

Key Takeaways

1Huwag pabayaan ang cashflow analysis.
2Karaniwang kailangan ng mas malaking deposit o equity buffer para sa existing investment properties; maaaring may flexibility sa qualifying new-build o construction lending, pero hindi automatic ang 20% o 10% deposit.
3Tratuhin ang property investment bilang structured business.

Siyam na critical errors ng baguhang property investors sa NZ.

1. Capital Gains Focus

Pagpapabaya sa cashflow analysis.

2. Lending Misunderstanding

Pagmamaliit sa bank requirements tulad ng 30% deposit.

3. Tax Oversight

Hindi pag-account sa interest deductibility rule changes.

4. Financial Estimation Errors

Pag-overestimate ng rental income, pag-underestimate ng vacancy.

5. Location Selection

Pagbili sa areas na walang strong rental demand.

6. Business Management

Pagturing sa investment property bilang passive hobby.

7. Co-Ownership Gaps

Pag-skip sa legal agreements kapag jointly bumibili.

8. New Build Dismissal

Pag-overlook sa mga advantages ng new builds.

9. Professional Guidance Avoidance

Pagtangka nang walang konsultasyon sa mortgage advisers o lawyers.

Need Help With Your Mortgage?

Our expert advisers are here to guide you through every step of your mortgage journey. Get in touch for a free, no-obligation consultation.

Talk to an Adviser

Frequently Asked Questions

Ano ang pinaka-common na pagkakamali?

Pagpapabaya sa cashflow analysis, pagmamaliit sa bank requirements.

Magkano ang kailangang deposit?

Karaniwang kailangan ng mas malaking deposit o equity buffer para sa existing investment properties. Ang qualifying new-build o construction lending ay maaaring magbigay ng mas maraming flexibility, pero hindi automatic ang 20% o 10% deposit; lender policy, servicing, valuation, equity position, property eligibility, at loan structure pa rin ang magdedesisyon.

Disclaimer

The information on this website is for general guidance only and does not constitute financial or investment advice. Always do your own research and seek personalised advice from a qualified financial adviser or mortgage adviser before making financial decisions. All investments carry risk and past performance is not indicative of future results.