中國,泰國,菲律賓,日本的首付比例
Down Payment Rate in China, Thailand, the Philippines, Japan
原文 譯文

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01)中國:至少30%

目前,在中國大多數城市,最低首付款佔總金額的30%,其餘70%可以藉款。一般來說,人們決定在購買新房後支付部分押金,然後簽訂合同以支付。

人民幣100萬元房屋的最低首付款為人民幣30萬元。通常,預付款可以通過存款抵消。簽訂合同後,買方可以到銀行簽訂貸款協議。房屋交付時,開發商還將收取契稅和維護基金的一部分,手中房屋的實際面積可能只有80-85%。

02)泰國:20% - 30%

泰國近年來的房地產市場已經相當成熟並且發展迅速。除期貨外,市場還將看到現有住房銷售的一部分。

曼谷的平均價格在28,000至30,000元之間。因此,人民幣100萬元的總價可以在優越的地理位置購買一居室或一室公寓。在一些新興商業區或地鐵規劃路線上,房地產價格可能較低,100萬元的總價可以購買較大的公寓。

還必須提到的是,以泰國和菲律賓為首的許多國家在房地產市場上沒有共享區域。也就是說,如果您購買40平方米的公寓,您將獲得40平方米的公寓。

如果購買的是期貨公司,那麼首付約為20-30%。也就是說,對於100萬元人民幣的房子,您需要準備首期人民幣20萬元至30萬元人民幣,其餘部分應在2至3年內交付之前支付。對於投資期住房項目,資金壓力已大幅減少,許多投資者也將利用槓桿和資本增值來賺取收入。

如果您以現金購買房屋,首付比例大致不變,其餘的全部付款通常在6至12個月內支付,具體取決於項目和開發商。
03)菲律賓:降至10%

作為房地產投資的熱點,菲律賓除了穩定的增值資本和連續幾年的良好租金收入表現外,還要提及其支付方式。

菲律賓房地產最大的優勢之一是其低首付款。首付比例約為10-20%。許多未來的住房項目甚至可以按月支付分期付款。

菲律賓首都馬尼拉目前的平均房價約為每平方米25,000至27,000元人民幣。擁有約100萬人民幣,您可以在Makati或Taguig購買一套小公寓。一些新興的商業區甚至可以讓您購買兩套以上的公寓。

以大型企業聚集的新開發商業區Albang為例。在Uoolu平台上出售的Anuva位於Albang地區。總價僅為人民幣410,000元。它需要首先支付10%的首付款,然後在42個月內分期支付10%(取決於實際情況)。剩下的80%將在2022年交付房屋時支付。

也就是說,它只需要在初期支付10%的首付,即超過4萬元人民幣,然後每月超過800元人民幣。可以說,資本周轉沒有壓力,但可以用你的閒置資金進行更多的房地產投資。難怪菲律賓市場如此受歡迎。

04)日本:二手房首付10%但不支持貸款

與泰國和菲律賓相比,日本的房地產市場非常不同。它已進入二手房整體時代,與東南亞的低首付模式不同。

以日本的Uoolu別墅系列為例,總價約為人民幣123萬元至226萬元人民幣,首付款為10%,即人民幣12萬至22萬元人民幣。其餘的房價需要在一個月內或裝修後(3至6個月)支付。

01) China:at least 30%

At present, in most cities in China, the minimum down payment is 30% of the total amount, and the remaining 70% can be borrowed. Generally, people decide to pay a part of the deposit after buying a new house, and then sign a contract to pay down.

The lowest down payment for a RMB one-million-yuan house is RMB 300,000. Generally, the down payment can be offset by the deposit. After signing the contract, the buyer can go to the bank to sign a loan agreement. When the house is delivered, the developer will also collect a part of the deed tax and maintenance fund, and the actual area of the house in hand may only be 80-85%.

02) Thailand: 20% - 30%

Thailand's real estate market in recent years has been quite mature with a rapid development. In addition to futures, the market will also see a part of sales of existing housing.

The average price in Bangkok is between RMB 28,000 and RMB 30,000. So the total price of RMB 1 million can buy a one-bedroom or studio apartment in a good location. In some emerging commercial areas or along the subway planning routes, the real estate price may be lower, and the total price of RMB 1 million can buy larger apartments.

It must also be mentioned that many countries, led by Thailand and the Philippines, have no shared areas in the real estate market. That is to say, if you buy 40-square-meter apartments, you will get 40-square-meter apartments.

If the purchase is a futures house, then the down payment is about 20-30%. That is to say, for a RMB 1 million house, you need to prepare for a down payment of RMB 200,000 to RMB 300,000, and the rest of the total payment shall be paid before house delivery in 2 to 3 years. For investment-period housing projects, the pressure of funds has been reduced a lot, and many investors will also use leverage and capital appreciation to earn income.

And if you buy a house in cash, the down payment ratio is roughly unchanged, and the rest of the total payment is usually paid in 6 to 12 months, depending on the project and the developer.
03) Philippines: down to 10%

As a hot spot for real estate investment, the Philippines has to mention its payment method besides its steady value-added capital and good performance of rent income in successive years.

One of the greatest advantages of Philippine real estate is its low down payment. The down payment ratio is about 10-20%. Many prospective housing projects can even pay the down payment by installments monthly.

Manila, the capital of the Philippines, currently has an average property price of about RMB 25,000 to RMB 27,000 per square meter. With about RMB 1 million, you can buy a small apartment in Makati or Taguig. Some emerging business areas can even allow you to buy more than two apartments.

Take Albang, the newly developed commercial area where large enterprises are gathered, as an example. Anuva, being sold on Uoolu’s platform, is just located in the Albang area. The total price is only RMB 410,000. It needs to pay 10% down payment first, then 10% in installments in 42 months (depending on actual conditions). The remaining 80% will be paid when the house is delivered in 2022.

That is to say, it only needs 10% down payment in the early stage, i.e. more than RMB 40,000, and then more than RMB 800 per month later. It can be said that there is no pressure on capital turnover, but even more real estate investment can be made with your idle funds. No wonder the Philippine market is so popular.

 04) Japan: 10% down payment for second-hand housing but no support for loans

Compared with Thailand and the Philippines, Japan's real estate market is very different. It has entered the era of second-hand housing as a whole, and it is different from the low down-payment mode in Southeast Asia.

Take Uoolu’s villa Series in Japan as an example, the total price is about RMB 1.23 million to RMB 2.26 million, the down payment is 10%, that is, RMB 120,000 to RMB 220,000. The rest of the housing price needs to be paid in one month or after decoration (in 3 to 6 months).

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