The mainland has fully realized the unified registration of real estate, and the news has aroused widespread concern in the society and triggered speculation about the collection of real estate tax.
Property tax discussions
Taxes will only increase prices, and tax exemptions will reduce prices. Why is the iPhone in the mainland about 1500 yuan more expensive than the one in Hong Kong, because Hong Kong is a duty-free trade free port.
A house in a first- and second-tier city can not only be used for living, but also for appreciation, it is a house and an asset.
Tobacco, real estate, etc. are all heavily taxed industries with great promise. Any country, once a certain commodity is taxed, the country will naturally maintain the market for this commodity, because this is the source of taxation, just like the ancient salt and iron monopoly, can exist for thousands of years.
It is foreseeable that once the real estate tax is introduced in the future, after a short panic in the market, the owners of first- and second-tier cities will collectively increase prices, and the state will maintain a steady increase in prices to protect the long-term stability of the tax base of tax sources.
Consider Allocation of Hong Kong "Financial Properties"
In fact, in addition to this house composed of reinforced concrete mixture, there is another house that is also worth considering - "financial house".
The financial house cannot be seen and touched, and it cannot be used to live in, but it can also increase in value, inherit, realize, and collect rent, the key is that its threshold is still low.
Let's give you a detailed introduction to the functions of this Hong Kong "financial real estate".
(The figure is for example reference only)
As shown in the figure, pay a premium of 1 million a year, pay for 5 years, with a total investment of 5 million, and then from 10 years, withdraw 400,000 per year, withdraw 90 years, which is equivalent to a monthly rent of 33,300, isn't it fragrant?
"House prices" will rise steadily
The "house price" of this product will rise steadily, like a snowball, time is the slope, as long as the slope is long enough, this snowball will roll bigger and bigger: after extracting 90 years, a total of 36 million yuan in rent, the remaining balance of the policy is 552 million yuan, which is equivalent to the increase in the value of this "financial property" from 5 million yuan to 557 million yuan, an increase of more than 111 times.
And this house is very safe, during the holding period, you don't have to worry about its risk, because the expected policy value will be written on the contract, Hong Kong insurance's wealth management products will basically publish its "fulfillment ratio" regularly, so choose a big brand insurance company its fulfillment ratio will be more ideal.
Easy to monetize
The value of the financial house is relatively low at the beginning, but after holding it for a few years, it will exceed the premiums paid, if there is a need at this time, you can cash out, you can either "sell" it all, that is, choose to partially surrender the insurance, "sell" a part, and keep a part; Or withdraw part of the dividend every year.
Its monetization speed is very fast, and it can be received in a few business days. Unlike physical houses, monetization is cumbersome. Basically, there are no months that are difficult to sell.
However, if it is not a special situation, it is only a short-term capital turnover difficulty, and it is not necessary to "sell" the financial house to liquidate, in fact, you can obtain emergency funds through mortgages.
There can also be "rent" charge
If your income is interrupted, such as a mid-life crisis suddenly at the age of 45, you can use the "rent" of the financial house to live without rushing to find a job, assuming that you receive 1,500 US dollars (about 10,000 yuan) a month, which is nearly 20,000 US dollars a year, and it is definitely no problem to maintain a basic life.
Or retire at the age of 60, use the "rent" of the financial house to supplement their pension, or use it for tourism and shopping to improve the quality of life.
If you collect $20,000 a year, it can keep us receiving 138 years old, you must think "I won't live to be 138 years old", such as dying at the age of 95, then don't panic, this house can also be passed on to his son, and it can be "infinitely changed insured" means that it can be passed on to children or grandchildren so that it can be passed on from generation to generation.
Financial property VS physical property
The chart below shows the difference between financial real estate and physical real estate with a total value of 10 million.
Buying a physical property for 10 million, the rent is only about 12,000 yuan / month, and it will face the risk of vacancy, and it will need to be maintained regularly.
At the same time, once house prices fall, there is a risk of asset depreciation, and it is more difficult to realize. Choosing financial real estate and using this money to buy an insurance policy with a total premium of 10 million, the "rent" can reach 41666 yuan / month, the income is higher, and the dividend realization rate of Hong Kong insurance companies is stable, and this part of the "rent" is very safe.
At the same time, the insurance policy can also achieve efficient inheritance by converting the insured.
To sum up, whether it is surrendering or withdrawing dividends, or passing it on to the next generation in the future, these procedures will not be related to "paying taxes", and it is a good choice to use it as a wealth inheritance.
Li Ka-shing - "People say I am rich, but in fact, what really belongs to me is to buy sufficient life insurance for myself and my family. ”