今天想跟大家分享我在東京新宿買的公寓。
買入的時間是約2015年中,主要是因為:
1)日圓太便宜(美金兌日圓約125)
2)差不多要離職到台灣居住,因銀行利息太低,所以認為利差交易會令我在台灣日子比較好過 =)
3)相對香港及台北市的房價,70萬港幣(或280萬台幣)應該只可以買一個廁所吧~
房子面積沒有很多,只有約200尺,但不同的是日本報出來的面積差不多就是可用面積,而不需扣掉公設。
收到房子後,大概便可以看到日本的文化,他們眞的很愛乾淨,房子也不需太大的清理。他可是20多年的老公寓,一般在香港或台灣都會變得比較殘舊吧。
這是維護費用的推算,日本每月也需要付一定費用到維護基金,確保物業的質素。
每一年扣除所有開銷,租金回報約6%,可是他還是像每一個投資一樣有自己的風險,大家如有興趣我便再下一次談他的優點和缺點。
Oh my god, thanks for your sharing! I actually also have such plan in 2-3 years ago, but the point is K really don't know the Japanese culture and afraid that the estate against will cheat on me. Such that I give up. But it is clearly that I was wrong, as I saw a lot of successful case, you are one of them. May I know in terms of the properly value, how much have it increased?
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One thing interesting about japan property and quite different from hong kong is that you dont look for much capital gain, especially for these type of old single apartment, i will discuss more on later series about the risk of buying japan property. And you are right, you should know more about japan culture before investing... I am just stupid :p
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lol, you are not stupid, you are just brave enough to make a try. May I know what is your first step for buying the flat? You go to Japan and find a property agent and have a greeting with them, and thna they wil lead you to the house? Or you find a local agent in Hong Kong?
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My first step actually quite different. Instead looking at the best investment, i am looking at borrow opportunity. Because i am leaving hk for awhile and will be without a job, the first thing i used my salary proof to secure a low interest loan.
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And then with the low interest fund, i look for interest arbitrage, and as i said in the article, i think yen is cheap and the rental yield is attractive. I am able to find a local agent in hong kong and then basically buy it right away as i dont want to lose interest without cash inflow. But i made alot mistakes now i think back, and i will discuss later.
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Your writing is very great! A good way to achieve financial freedom! I hope some day I can have enough money to buy a house in Japan for renting haha. Maybe people in China watched your post will also like to invest in Japanese housing.
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One thing great about nowadays is that you dont even need much cash to invest. For example, my flat is borrowed from my credit card loan which is around 2% interest rate. But leverage is double sword where it can help you or hurt you. Use it with a lot of care. :)
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Thanks for your advise! I will use it carefully!
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wow I wish I have the money to buy a flat as well! so jealous haha
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No dont be, because it is not very expensive and you dont need alot of cash if you are willing to use leverage. For me, when i was still in HK, i use my salary to borrow with a Bank, and nowaday it is really easy to secure cheap loan, end up i did not need any cash to buy the flat. Of course i still need to pay installment but it is affordable.
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很好的文章! 非常欣賞這樣不同策略不同形式的投資方式。賺息差先決條件是折借成本低。希望能看到更多有趣的投資文章👍
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Thank you for your comment and i am glad you like it. Since i move to Taiwan, i have more time to think about investment and find there is some better investment than just buying property. Let me share more in future. Thank you for your support.
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Smart investment choice
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Thx bro
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跟我做了差不多的投資,我亦是差不多時間,在大阪梅田附近買了一個單位作投資。跟你不同的是,我買的單位是已經有租客,所以我沒有機會到那單位看看。
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其實我也一樣,只是買了幾個月,租客便退租了,所以有機會看到室內的屋況。
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找到新租客了嗎?
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找到了,但過程經歷不太好,正想在談風險時討論
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先前看投資博客說大阪比較值得投資, 不知樓主有否物色大阪物業呢?
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沒有呢,我買入的時間是還不知道那裏會蓋賭場,主要考量是人口結構,日本少子化,但人口一直往東京跑
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我則是選成本和人口分佈和考慮了核電危機影響!
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真的,大板同一樣的價錢可以比買東京質素好多呢~但那時候新手,沒多想便衝了。
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