अगर आप residential property में invest करना चाहते हैं, पहले decisions में से एक है new buy करना या existing। हर option के different deposit requirements, tax implications, और growth potential हैं।
Deposit Requirements: Big Difference
Banks typically new build investment properties के लिए 20% deposit allow करते हैं, कुछ banks 10% तक भी। Existing investment properties के लिए current LVR rules में 30-35% deposit चाहिए।
Tax Implications: Interest Deductibility
Government के 2021 changes fundamentally investment property landscape बदल दिए। New builds full interest deductibility retain करते हैं। Existing properties की interest deductibility fully phased out हो गई।
Bright-Line Test
New builds की 5-year bright-line period है, existing properties की 10-year।
Maintenance and Compliance
New builds Code Compliance Certificate, builder warranties, और Healthy Homes compliance के साथ आते हैं। Existing properties को $2,000-$10,000+ की Healthy Homes upgrades need हो सकती हैं।
Capital Growth Potential
Existing properties often यहाँ edge रखते हैं - established locations, larger land components, और renovation potential।
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