【澳洲買地起屋】新手必讀！投資澳洲獨立屋連土地超詳細分析！
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在澳洲投資房地產一向備受港人追捧，特別近年移民風氣旺盛，在澳洲買地起屋，建造夢想家園，更成為熾熱話題。不過你又知不知道，購買澳洲獨立屋連土地（house & land）有何注意事項？本文會從多角度，為你詳細分析在澳洲買地起屋的利弊。
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澳洲買地起屋優缺點
在澳洲買地起屋的優點包括：
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獨立屋的居住空間寬敞
相比香港樓宇的單位，澳洲獨立屋無疑能提供更大的居住環境。在澳洲買地起屋，普遍地皮都有二千方呎，即使只建單層獨立屋，生活空間已比香港大很多。而且，你還能擁有前、後花園，享受鳥語花香。 -
節省印花稅
如果購買分層單位（apartment）及花園別墅(Townhouse)，印花稅會按成交金額計算。但買地起屋的話，印花稅則只會按土地價值計算，買家能節省建屋費用的印花稅,如若干年後想把物業轉售,以前的印花稅將可作為抵扣。 -
建築設計自由
買地起屋主要分為「獨立屋連土地套餐(house & land package)」及「買地並找建築商代工」兩類, 「獨立屋連土地套裝(house & land package)」的買家只能從發展商預先設計的套餐之中選擇，所以自由度就有所下降。而「買地並找建築商代工」買家可以按照自身喜好和需求，選擇自己的建築和室內設計師，與他們討論建築風格、用料、屋內間隔、生活設施等細節。如果所購買的地皮夠寬敞，甚至可以加建車庫、泳池等。雖然選擇更為靈活，但是買家則將會負擔更大風險，買家如同香港聘請裝修師傅一樣，買家必須在當地自行監督工程進度和質量，加上近年因疫情影響，使整體建築成本上漲, 而且前往當地密切自行監督更是難事了，因此，較難掌握獨立屋的建屋成本及售價。
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升值潛力雄厚
很多人以為澳洲幅員遼闊，必定有大量土地供應予房地產市場，其實並不然。在布里斯本、悉尼或墨爾本這些大城市，城市規劃限制了可以興建獨立屋的土地供應，使獨立屋地皮價值越來越高。 -
擁有土地永久業權
買地後，買家可以擁有土地永久業權，增加日後使用土地的彈性，迎合不同投資需要。
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而在澳洲買地起屋的缺點，主要有以下幾項：
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建築公司所引起的風險
上文提到，你可親自和建築公司溝通，設計夢想家園，但這也是雙面刃。工程順利的話固然理想，而澳洲的律師團隊只會負責土地轉名等法律程序，如不幸遇上建築物料不足使工程延誤、建築物物料與原本設計有誤差甚至建築公司倒閉的話，每每需要買家自行與建築公司跟進，因此甚為勞累。而且，工程延誤除了帶來不便和延遲入伙日期外，還可能會抵觸澳洲的建屋期限制。由於不同城市和地段都有不同限制，因此 ，我們建議你買地起屋前，務必先諮詢熟悉當地法律的地產專家或律師。 -
施工期內保持土地整潔
澳洲政府對施工地盤有嚴格衛生要求，例如處理建築廢料有一定程序，工地也不能囤積垃圾或任由雜草叢生。對海外投資者來說，要確保建築公司符合上述條例，實在不是容易的事。 -
未必適合對不熟悉樓宇建築設計及未能長期停留當地的買家
要處理獨立屋的建築問題不是易事，對於在香港沒試過處理相關事宜的人就更加棘手。所以，買家必須要有心理準備，要在這方面投放大量心力、時間和金錢。因此，買地起屋未必適合不熟悉樓宇建築設計的人士。 -
獨立屋地段的生活配套不如市中心
能興建獨立屋的地皮大多位處市郊，於城市規劃和生活配套方面，市郊與市中心必定有落差。於市郊，要到最接近的超級市場、社區設施，甚至便利店，往往不在步行範圍內，甚至駕車也要十幾分鐘才到達，無疑比住在市中心更為不便。交通方面，市郊的每個區可能只有一個火車站和為數不多的巴士路線，不能與市中心的公共交通配套相提並論。在夜深時分，甚至沒有任何公共交通到達。
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究竟在澳洲投資獨立屋連土地還是分層單位比較適合香港人？這問題當然沒有一定的答案，但根據我們多年在澳洲投資房地產的經驗，一般情況下，投資分層單位都較適合香港人。首先，在市中心生活的模式和便利程度與香港類近。很多香港人移民澳洲後，即使住在大城市，往往發現其便利程度仍然與香港有明顯距離，更遑論住在市郊。
另外，在澳洲購買分層單位的程序近似香港，港人自然更容易掌握。最後，雖然澳洲治安普遍良好，但在市郊仍有零星獨立屋失竊問題加上香港移民家庭往返香港洶澳洲兩地頻繁。對比之下，市中心分層單位治安較完善，出入大廈甚至進入每一樓層都需要匙卡，對於業主或租客而言都較安心。
在澳洲買地起屋的優勢固然吸引，但下決定前，必須審慎權衡自身能力及各方利弊。如果有任何有關澳洲獨立屋或其他物業種類的疑問，歡迎立即聯絡昌美澳洲物業總公司。我們擁有超過22年經驗，為客人網羅昆士蘭首府布里斯本眾多優質樓盤，為您提供一站式物業投資、租務管理、按揭服務及移民升學等專業服務。
📖 延伸閱讀：【租定買？】澳洲租樓定買樓好？一文分析澳洲布里斯本地產最新市況！
📖 延伸閱讀：【澳洲按揭】香港人投資澳洲樓：認識澳洲買樓按揭五大方法
【澳洲買地起屋】投資澳洲獨立屋連土地超詳細分析
Investing in real estate in Australia has always been highly sought after by Hong Kong people, especially in recent years with a strong trend of immigration. Buying land and building a dream home in Australia has become a hot topic. However, do you know what to consider when purchasing a house and land package in Australia? In this article, we will analyze the pros and cons of buying land and building a house in Australia from various perspectives.
Advantages of buying land and building a house in Australia include:
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Spacious living space in a standalone house: Compared to units in Hong Kong buildings, Australian standalone houses undoubtedly provide a larger living environment. When buying land and building a house in Australia, the land size is generally around 2,000 square feet, even if you only build a single-story standalone house, the living space is much larger than in Hong Kong. Moreover, you can have front and backyards to enjoy nature.
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Stamp duty savings: If you purchase apartments or townhouses, the stamp duty is calculated based on the transaction amount. However, when buying land and building a house, the stamp duty is only calculated based on the land value. Buyers can save on stamp duty for construction costs, and if they decide to sell the property after a few years, the previous stamp duty can be offset.
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Freedom in architectural design: Buying land and building a house can be divided into two categories: “house and land package” and “buying land and hiring a builder.” Buyers of the “house and land package” can only choose from pre-designed packages offered by the developer, so their freedom is somewhat limited. On the other hand, buyers who purchase the land and hire a builder can choose their own architects and interior designers according to their preferences and needs. They can discuss architectural styles, materials, interior layouts, and living facilities in detail. If the purchased land is spacious enough, they can even add a garage or a swimming pool.
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Although this option offers more flexibility, buyers also take on greater risks. They have to supervise the construction progress and quality on their own, similar to hiring contractors in Hong Kong. Additionally, due to the impact of recent events such as the pandemic, overall construction costs have increased. It is also challenging to closely monitor the project on-site, making it difficult to accurately estimate the construction costs and selling prices of standalone houses.
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Strong appreciation potential: Many people assume that Australia, with its vast land, must have a large supply of land for the real estate market. However, this is not entirely true. In cities like Brisbane, Sydney, or Melbourne, urban planning restricts the availability of land for standalone houses, driving up the value of house and land packages.
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Permanent ownership of land: After purchasing land, buyers have permanent ownership of the land, which increases flexibility in future land use and caters to different investment needs.
📖 延伸閱讀：
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The disadvantages of buying land and building a house in Australia are as follows:
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Risks associated with construction companies: As mentioned earlier, while you can personally communicate with the construction company to design your dream home, this can also be a double-edged sword. If the project goes smoothly, it’s ideal.
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However Australian legal teams only handle legal procedures such as land transfer, and if unfortunate circumstances arise, such as construction delays due to insufficient building materials, discrepancies between the materials used and the original design, or even the closure of the construction company, buyers often have to follow up with the construction company themselves, which can be quite exhausting. Furthermore, construction delays not only cause inconvenience and a delay in the move-in date but may also conflict with Australia’s building period restrictions.
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As different cities and locations have different restrictions, we recommend consulting real estate experts or lawyers familiar with local laws before buying land and building a house.
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Maintaining cleanliness of the land during construction: The Australian government has strict hygiene requirements for construction sites. For example, there are specific procedures for handling construction waste, and sites should not accumulate garbage or allow weeds to grow freely. For overseas investors, ensuring that the construction company complies with these regulations is not an easy task.
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Not necessarily suitable for buyers who are unfamiliar with building and architectural design and are unable to stay in the area for an extended period: Dealing with the construction issues of a standalone house is not an easy task, especially for those who have not dealt with such matters in Hong Kong. Buyers must be prepared to invest significant effort, time, and money in this aspect. Therefore, buying land and building a house may not be suitable for individuals who are unfamiliar with building and architectural design.