If you’re considering investing in Vancouver real estate, you might have heard of presale condos. These are properties that developers sell before they are completed. But why invest in a property that doesn’t exist yet? In this blog, I will explore why presale Vancouver condos are a smart investment and the advantages they offer to potential buyers.

甚麼是溫哥華樓花預售?

溫哥華預售樓花是指尚未完全建成,開發項目中的公寓預售,通常是在施工開始之前。 作為買家,您購買了未來財產的權利,雖然您最終負責支付全部購買價款,但您不必立即申請抵押貸款。

相反,您只需要支付定金,通常為購買時購買價格的 5% 至 10%,另外 10% 至 15% 在施工過程中分期支付,實際情況視開發商而定。 押金通常存放在信託賬戶中,開發商在完成建設之前無法使用這筆錢。 如果開發商未能完成項目,買方有權要求全額退還定金。

Why it’s a Brilliant Investment in Presale Vancouver Condos?

Presale Vancouver Condos
  • Buying presale Vancouver condos means taking possession of a brand new property upon completion. This is a huge advantage as you won’t have to deal with the wear and tear of an older building. Additionally, you often have the ability to customize your suite in ways that are unavailable in the resale market.
  • 在購買日期鎖定價格可能是一個顯著的優勢。 如果溫哥華的房地產市場上漲,您就可以從中受益,且在完工之前都無需支付每月抵押貸款、財產稅和維護費。 事實上,您只需支付 15-25% 的定金即可確保購買預售樓花。 如果房產在完工前升值,您可以用很少的實際投資看到可觀的回報。
  • 投資溫哥華預售公寓通常是一項低風險的投資。 該物業遵循房地產市場趨勢,價格與現有物業一樣漲跌。 但作為投資者,您可以從潛在的資本增值中受益,而無需擔心租戶、財產稅成本和每月維護費。

溫哥華樓花預售對投資者的優勢

1. 優秀槓桿

Presale Vancouver Condos

As mentioned above, presale Vancouver condos allow you to secure the purchase of a property for as little as a 15-25% deposit. Should the property increase in value before completion, you could see a significant return for very little money actually invested. This can result in a substantial return on investment if the property’s value increases before completion.

For instance, let’s say you decide to purchase a $500,000 presale condo with a planned completion date of 5 years in the future. To secure the property, you make a 15% deposit of $75,000. Due to an increase in the real estate market, your condo is worth $580,000 two years later, and you decide to sell the property, which is known as selling the assignment of contract. You would walk away with your $75,000 deposit along with the value-added to the property, which is $80,000, resulting in a 173.3% return on your initial investment.

如果您決定持有同一房產直到完工,並且價格保持不變,則該公寓的價值仍為 580,000。 當您向您的抵押貸款經紀人尋求抵押貸款時,您將擁有超過 20% 的資產($80,000+$75,000 = $155,000,即 $500,000 抵押貸款的 31%),從而避免需要昂貴的 CMHC 高比率保險費,對於以低於 20% 的首付購買的房產。 在這種情況下,您已經成功地支付了 31% 的抵押貸款首付,而最初只需首付 15%,這是一個極具優勢的投資。

2. 無壓力的投資體驗

與任何其他房地產投資一樣,溫哥華預售樓花會受到市場波動的影響,其價值會隨著時間的推移而上下波動。 然而,與現有房產相比,投資預售房產的優勢在於有機會享受潛在的資本收益,而無需擔心管理租戶、繳納房產稅或處理每月維護費。

3. 最低的投資成本擁有產權

由可靠的開發商建造的公寓通常在竣工後的較長時間內對業主和投資者的昂貴維修或維護任務要求較低。 這與舊建築形成鮮明對比,後者可能需要更頻繁且成本更高的維護。

4. 全面的保修保險

BC 的每個預售建築都受益於 2-5-10 年房屋保修保險。此保修保險僅在建築物完工後開始,並且在大多數情況下,保証投資者在整個保修期內減少開支和減少不便。 2-5-10 年房屋保修保險 This warranty coverage commences only after the building’s completion, and in most instances, guarantees investors reduced expenses and minimal inconveniences throughout the warranty period.

5. 極具吸引力的出租單元

Tenants typically favor newer buildings for several apparent reasons — contemporary design, updated fixtures, and appliances; the absence of repair work or bothersome and expensive maintenance; and the array of amenities often included in modern buildings, such as swimming pools, fitness centers, saunas, hot tubs, and concierge services.

6. 更高的租金潛力

通常,與舊單元相比,租戶更願意為新建套房支付更高的租金,這主要是由於前面提到的優勢,例如現代設計、更新的固定裝置和使用各種便利設施。

Presale Condos

購買溫哥華預售樓花安全嗎?

不列顛哥倫比亞省的預售市場受《房地產開發營銷法》監管,為買家提供實質性保護。 此外,買家有權在接受要約後的 7 天內解除購買該物業的合同。

During construction, the deposit is held in a lawyer’s trust account, ensuring that your deposit is refunded if any construction issues arise or if the developer goes bankrupt. Lastly, the developer is required to furnish you with a Disclosure Statement containing essential information about the future property.

優先取得第一手預售樓花資訊!