{"id":2639,"date":"2025-01-16T16:36:59","date_gmt":"2025-01-16T06:36:59","guid":{"rendered":"https:\/\/anp-au.com\/?p=2639"},"modified":"2025-01-16T16:37:03","modified_gmt":"2025-01-16T06:37:03","slug":"%e6%be%b3%e6%b4%b2%e6%8a%95%e8%b3%87%e6%88%bf%e7%94%a2%e6%8c%87%e5%8d%97%ef%bc%9a%e4%ba%94%e6%ad%a5%e9%a9%9f%e8%bc%95%e9%ac%86%e5%85%a5%e9%96%80","status":"publish","type":"post","link":"https:\/\/anp-au.com\/en\/%e6%be%b3%e6%b4%b2%e6%8a%95%e8%b3%87%e6%88%bf%e7%94%a2%e6%8c%87%e5%8d%97%ef%bc%9a%e4%ba%94%e6%ad%a5%e9%a9%9f%e8%bc%95%e9%ac%86%e5%85%a5%e9%96%80\/","title":{"rendered":"Australian property investment guide: Five easy steps to get started"},"content":{"rendered":"<p class=\"wp-block-paragraph\">Investing in property is a long-term financial decision, and a clear plan is key to success. Commonwealth Bank of Australia (CommBank) has provided prospective buyers with a clear five-step guide to help them embark on their property investment journey.<\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_89 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Contents Overview<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewbox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewbox=\"0 0 24 24\" version=\"1.2\" baseprofile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1' ><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/anp-au.com\/en\/%e6%be%b3%e6%b4%b2%e6%8a%95%e8%b3%87%e6%88%bf%e7%94%a2%e6%8c%87%e5%8d%97%ef%bc%9a%e4%ba%94%e6%ad%a5%e9%a9%9f%e8%bc%95%e9%ac%86%e5%85%a5%e9%96%80\/#%E6%AD%A5%E9%A9%9F%E4%B8%80%EF%BC%9A%E6%BA%96%E5%82%99%E5%AD%98%E6%AC%BE%E4%B8%A6%E8%A8%88%E7%AE%97%E5%8F%AF%E5%80%9F%E8%B2%B8%E9%87%91%E9%A1%8D\" >Step 1: Prepare a deposit and calculate the amount you can borrow<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/anp-au.com\/en\/%e6%be%b3%e6%b4%b2%e6%8a%95%e8%b3%87%e6%88%bf%e7%94%a2%e6%8c%87%e5%8d%97%ef%bc%9a%e4%ba%94%e6%ad%a5%e9%a9%9f%e8%bc%95%e9%ac%86%e5%85%a5%e9%96%80\/#%E6%AD%A5%E9%A9%9F%E4%BA%8C%EF%BC%9A%E7%A2%BA%E5%AE%9A%E6%8A%95%E8%B3%87%E7%AD%96%E7%95%A5\" >Step 2: Determine your investment strategy<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/anp-au.com\/en\/%e6%be%b3%e6%b4%b2%e6%8a%95%e8%b3%87%e6%88%bf%e7%94%a2%e6%8c%87%e5%8d%97%ef%bc%9a%e4%ba%94%e6%ad%a5%e9%a9%9f%e8%bc%95%e9%ac%86%e5%85%a5%e9%96%80\/#%E6%AD%A5%E9%A9%9F%E4%B8%89%EF%BC%9A%E7%A0%94%E7%A9%B6%E6%88%BF%E7%94%A2%E8%88%87%E5%9C%B0%E5%8D%80\" >Step 3: Research the property and the area<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/anp-au.com\/en\/%e6%be%b3%e6%b4%b2%e6%8a%95%e8%b3%87%e6%88%bf%e7%94%a2%e6%8c%87%e5%8d%97%ef%bc%9a%e4%ba%94%e6%ad%a5%e9%a9%9f%e8%bc%95%e9%ac%86%e5%85%a5%e9%96%80\/#%E6%AD%A5%E9%A9%9F%E5%9B%9B%EF%BC%9A%E9%81%B8%E6%93%87%E5%90%88%E9%81%A9%E7%9A%84%E8%B2%B8%E6%AC%BE%E6%96%B9%E6%A1%88\" >Step 4: Choose the right loan plan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/anp-au.com\/en\/%e6%be%b3%e6%b4%b2%e6%8a%95%e8%b3%87%e6%88%bf%e7%94%a2%e6%8c%87%e5%8d%97%ef%bc%9a%e4%ba%94%e6%ad%a5%e9%a9%9f%e8%bc%95%e9%ac%86%e5%85%a5%e9%96%80\/#%E6%AD%A5%E9%A9%9F%E4%BA%94%EF%BC%9A%E5%AE%8C%E6%88%90%E4%BA%A4%E6%98%93%E4%B8%A6%E7%AE%A1%E7%90%86%E6%88%BF%E7%94%A2\" >Step 5: Complete the transaction and manage the property<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%AD%A5%E9%A9%9F%E4%B8%80%EF%BC%9A%E6%BA%96%E5%82%99%E5%AD%98%E6%AC%BE%E4%B8%A6%E8%A8%88%E7%AE%97%E5%8F%AF%E5%80%9F%E8%B2%B8%E9%87%91%E9%A1%8D\"><\/span><strong>Step 1: Prepare a deposit and calculate the amount you can borrow<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">The first step to buying an investment property is preparing a deposit and understanding your borrowing capacity. This can come from cash savings or from the equity in your existing property.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For example, if a property is currently valued at A$500,000 and the loan balance is A$350,000, the borrower can use up to A$80% of the property&#039;s equity, or A$50,000, for investment purposes. However, it should be noted that using equity will increase the existing loan balance and the repayment amount will be adjusted accordingly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">As well as the deposit, you&#039;ll also need to calculate the other costs of buying an investment property, such as council rates, government taxes, utilities and property management fees.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%AD%A5%E9%A9%9F%E4%BA%8C%EF%BC%9A%E7%A2%BA%E5%AE%9A%E6%8A%95%E8%B3%87%E7%AD%96%E7%95%A5\"><\/span><strong>Step 2: Determine your investment strategy<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">It\u2019s crucial to have a clear understanding of your investment objectives. Buyers should consider whether they want to achieve a high immediate return or are willing to incur short-term losses in the hope of long-term growth in the property\u2019s value.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">generally,<strong>Capital appreciation properties<\/strong>Suitable for investors who seek long-term value growth.<strong>High-yield properties<\/strong>It is more suitable for investors who want a stable cash flow.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%AD%A5%E9%A9%9F%E4%B8%89%EF%BC%9A%E7%A0%94%E7%A9%B6%E6%88%BF%E7%94%A2%E8%88%87%E5%9C%B0%E5%8D%80\"><\/span><strong>Step 3: Research the property and the area<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Once you&#039;ve decided on your investment strategy, the next step is choosing the type and location of property. Areas close to public transportation, medical facilities, shops, and childcare centers are generally more popular with renters.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">CommBank&#039;s mortgage specialists can provide<strong>Property and Regional Reports<\/strong>, allowing buyers to obtain comprehensive information about specific areas, including sales prices and rental yields, to help them make informed decisions.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%AD%A5%E9%A9%9F%E5%9B%9B%EF%BC%9A%E9%81%B8%E6%93%87%E5%90%88%E9%81%A9%E7%9A%84%E8%B2%B8%E6%AC%BE%E6%96%B9%E6%A1%88\"><\/span><strong>Step 4: Choose the right loan plan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Choosing the right loan is crucial to your investment journey. Banks offer a wide range of investment mortgage options, including fixed and variable rates, bonus accounts, and interest-only repayments, allowing them to be tailored to your needs.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"%E6%AD%A5%E9%A9%9F%E4%BA%94%EF%BC%9A%E5%AE%8C%E6%88%90%E4%BA%A4%E6%98%93%E4%B8%A6%E7%AE%A1%E7%90%86%E6%88%BF%E7%94%A2\"><\/span><strong>Step 5: Complete the transaction and manage the property<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">After the property is settled, buyers will need to hire a property manager to handle day-to-day operations, including tenant screening and lease management. Furthermore, purchasing relevant insurance can further protect the investment.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Disclaimer<\/strong><br>This article provides general educational information only and does not take into account the reader&#039;s financial situation or needs. It should not be used to make financial product decisions. Commonwealth Bank of Australia recommends that readers seek independent professional tax and financial advice. All loan applications are subject to credit approval and minimum requirements. Please refer to the loan terms and conditions for further details.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u6295\u8cc7\u623f\u5730\u7522\u662f\u4e00\u9805\u9577\u9060\u7684\u8ca1\u52d9\u6c7a\u7b56\uff0c\u800c\u660e\u78ba\u7684\u8a08\u5283\u662f\u6210\u529f\u7684\u95dc\u9375\u3002\u6fb3\u6d32\u806f\u90a6\u9280\u884c\uff08CommBank\uff09\u70ba\u6e96\u8cb7\u5bb6\u63d0\u4f9b\u4e86\u4e00\u4efd\u6e05 [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":2640,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_joinchat":[],"footnotes":""},"categories":[],"tags":[],"class_list":["post-2639","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts\/2639","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/comments?post=2639"}],"version-history":[{"count":1,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts\/2639\/revisions"}],"predecessor-version":[{"id":2641,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/posts\/2639\/revisions\/2641"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/media\/2640"}],"wp:attachment":[{"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/media?parent=2639"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/categories?post=2639"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/anp-au.com\/en\/wp-json\/wp\/v2\/tags?post=2639"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}