Year
2023 Articles
35 property investment articles published by PremiumRea in 2023. Melbourne market analysis, suburb deep-dives, and case studies.
- 26 December 202312 min read·Market Analysis
A Granny Flat Is Not a Building. It Is a Financial Product That Returns 18% Per Year.
Most people think of a granny flat as a small building in the backyard. A place for an elderly parent to live, maybe. A teenager's retreat. Something quaint and modest. I think of a granny flat as a l
- 19 December 2023约 11 分钟阅读·陷阱与警示
这套首次置业策略能帮你省下 $46,000(完全合法,却很少人用)
我亲眼看着一个首次置业者走进墨尔本内东区的一场拍卖,花 $680,000 澳元买下一套两居室公寓。全额印花税,没有任何资助,没有任何减免。他其实完全可以在墨尔本东南区花 $590,000 澳元买下一套 600 平米的四居独立屋,印花税零、拿到 $10,000 的资助,在油漆还没干之前就已经领先 $46,000 澳元了。
- 12 December 202314 min read·Investment Strategy
The Complete Guide to Buying a House in Australia (Every Step, No Jargon, No Surprises)
Every week someone asks me the same question: where do I even start? They want to buy a house. They know it involves money and paperwork. Beyond that, the process is a black box. Banks, solicitors, in
- 5 December 202312 min read·Finance & Tax
Buying Property Is Not About Luck. Here Is the System We Use to Select Every Asset.
I get uncomfortable when someone tells me they 'got lucky' with a property purchase. Luck implies randomness. Randomness implies a lack of system. And a lack of system, applied to a $600,000 decision,
- 28 November 202312 min read·Suburb Analysis
From Saving $5K a Month to Earning $8.3K Passively. Here Is What I Actually Did.
Ten years ago I was an IT project manager earning a decent salary but trading every hour of my time for money. If I stopped working, the income stopped. If I got sick, the income stopped. If AI replac
- 21 November 2023约 12 分钟阅读·投资指南
同样的 $600K 现金,一个人只买一套房,另一个买四套。差别在哪里。
去年一个朋友来找我咨询房产。他存款 $600,000,想买一套自住房。他的计划很简单:在好城区找一套房,全款付清,无贷款地住进去。我告诉他这个计划能跑得通,我也告诉他,这个计划会在接下来 15 年里让他损失大约 $2 million 的财富。
- 14 November 202311 min read·Investment Strategy
Five Types of People Who Are Born to Build Property Wealth (And Why Everyone Else Stalls)
I have helped buy over 350 investment properties across Melbourne. Some clients turn one house into a portfolio of six within three years. Others buy once and never move again. The difference is not c
- 7 November 2023约 12 分钟阅读·财务与税务
澳洲政府花了 800 亿建房,结果盖了零套。这对你的下一次买房意味着什么。
Housing Australia Future Fund 没有新建一套住宅。被当作成果汇报的那 340 套房产,全部是"收购",不是"建造"。参议院确认了这一点,ABC Media Watch 也独立核实过。而每年 12 万套的目标,仅一年下来就已经落后 27.5%。
- 31 October 2023约 11 分钟阅读·城区分析
她对房产一无所知,房子一年涨了 25%。这是怎么做到的。
她分不清贷款中介和银行放贷员。交割半年后她还说不出 council rates(市政费)是什么。但她信任整个流程,买下一套位于角地、带结构问题的木板房,然后在付完 $625,000 的十二个月后,看着 RPData 把它估到了 $780,000。
- 24 October 2023约 11 分钟阅读·投资指南
每天 6,500 人被开除。如果你没有被动收入,下一个就是你。
2020 年前两个月,全球超过 40 万人失去工作或收到裁员通知。每天 6,557 人点开那封邮件。我以前在 IT 行业工作。如果不是趁着还拿着工资时搭建了房产投资组合,我就是其中之一。
- 17 October 202310 min read·Renovation & Development
Four Things Selling Agents Say That Are Designed to Make You Overpay
When a selling agent says 'this property has great potential,' they are not describing the house. They are describing your wallet. Here are four phrases I hear every week, translated from agent-speak
- 10 October 2023约 10 分钟阅读·物业管理
墨尔本 vs 上海：一份完整的生活成本对比，以及为什么「地理套利」真的管用
两个城市我都住过十多年。一顿餐厅饭在墨尔本 $25，在上海大约 $6.20。但真正的故事在住房数字上：在墨尔本买房、收澳洲的租金、在上海花钱。这就是地理套利，数学非常残酷。
- 3 October 2023约 10 分钟阅读·市场分析
社交媒体正在杀死临街零售物业。聪明的投资者改买什么。
老规矩很简单：买人流最大的那间店铺。但当一条 KOL 帖子带来的客人比一整年的路人还多时,整套商业地产投资逻辑都要改写。下面说应该改买什么。
- 26 September 202311 min read·Scam / Warning
The 30-30-30 Rule: How to Upgrade Your Family Home Without Going Broke
I have watched Melbourne families buy dream homes at low interest rates, then get crushed when rates doubled. Monthly repayments went from $5,800 to $10,000+. One spouse lost their job. The house went
- 19 September 202311 min read·Investment Strategy
The Impossible Triangle of Property Management: Why Your PM Fails and What to Do About It
The average Australian property manager handles 170 properties. At that ratio, your manager spends approximately 11 minutes per week on your $700,000 asset. That is not management. That is neglect wit
- 12 September 202311 min read·Finance & Tax
Melbourne Property Taxes Explained: Stamp Duty, CGT, Land Tax, and the Myths That Cost You Money
Let me bust a myth right now: Melbourne land tax is not the most expensive in Australia. Not in any bracket. That is media noise. Here is what actually matters for your property tax position, explaine
- 5 September 2023约 10 分钟阅读·城区分析
我用 AI 把 10 个政府数据库合成一张房产风险地图,结果揭开了这些
Mount Waverley 一个城区就有 54 个独立的政府认定风险覆盖区。洪水区、山火区、遗产控制、高压线地役权——全部是免费公开数据,但全部埋在 20 个不同的数据库里。我们用 AI 把它们合并成了一张交互地图。
- 29 August 2023约 9 分钟阅读·投资指南
REA 的免费小技巧:监控你这条街上的每一套房(为什么开发商每天都在用)
不管你有没有房,今晚就该把这个免费工具装上。它能监控澳洲任何一个地址,挂牌的那一瞬间就提醒你。开发商每天用它盯 site consolidation 机会,投资者用它追踪可比成交。下面是九十秒的设置方法。
- 22 August 202310 min read·Renovation & Development
Do Not Trust AI to Choose Your Investment Property. The Data It Reads Can Be Faked.
China's 315 consumer protection investigation exposed a factory operation that manufactures fake product reviews at industrial scale, polluting AI training data. The same technique works for property
- 15 August 2023约 11 分钟阅读·物业管理
去年我们在墨尔本买了 131 套房,每一个数字都公开
2025 年初所有人都在追 Brisbane 和 Perth 的时候,我喊出了 all in 墨尔本。十二个月过去,数据来了:131 套房,平均土地 660sqm,平均增长 12.75%。完整成绩单如下。
- 8 August 202312 min read·Market Analysis
I Never Sell Property. Here Is the Maths Behind 'Buy, Borrow, Die.'
My entire investment philosophy boils down to two words: don't sell. People think I am joking. I am not. I am making money. Especially when markets feel uncertain, this principle becomes even more pow
- 1 August 2023约 11 分钟阅读·陷阱与警示
让新移民白干十年的三个买房决定,我见过上百次
我做过一百多次咨询,发现一个几乎一模一样的规律——聪明能干的人,把移民这条最难的路都走通了,却在一个灾难性的买房决定上,把十年攒下的积蓄一夜清零。这篇就讲三个最要命的。
- 25 July 2023约 10 分钟阅读·投资策略
藏在你房子里的六年税务时钟：一条可能帮你省下 $127,000 的规则
上个月,David——一位IT经理——走进办公室时已经做好了要交 $127,000 资本利得税的心理准备。当我把六年规则讲给他听,他沉默了五秒,然后说:「原来规则真是这样运作的?」没错。而且大多数会计师不会主动告诉你。
- 18 July 2023约 11 分钟阅读·财务与税务
专门为澳洲 Z 世代量身定做的三个财务陷阱。我追着钱走了一遍。
套住千禧一代的财务陷阱是粗放的——房贷、车贷。针对 Z 世代的那一套要精细得多。它被打扮成自由,裹上网红美学,再用算法送到你眼前。我追着钱的流向走了一遍。
- 11 July 2023约 11 分钟阅读·城区分析
今年我从房产拿到了 $300,000 的被动收入。银行截图在这里。
没有广告,没有赞助,只是事实。我是一个普通人,买的都是我客户放弃的 on-market 房源。今天我把自己的银行账户打开给你看,一套一套地告诉你这 $300,000 的被动收入是怎么来的。
- 4 July 2023约 10 分钟阅读·投资指南
四个房贷操作,让你的自住房贷款提前六年还清——银行永远不会主动告诉你
如果你觉得利率最低就等于房贷最优,那得重新想想了。一笔 30 年期的自住房贷款里,藏着超过 $130,000 本可以省下的利息。下面这四个操作,银行不会主动跟你提。
- 27 June 202311 min read·Renovation & Development
The Property Kill Line: Which Australian Cities Have Actually Crashed 20 Per Cent (And Could It Happen Again)?
I discovered that Australian property has a 'kill line' — the point where a 20 per cent decline wipes out a typical investor's equity entirely. Two cities have crossed it. The data on which ones is no
- 20 June 202311 min read·Property Management
My Clients Average 15.7 Per Cent Annual Growth. Most Buyer's Agents Cannot Even Tell You Their Number.
I am about to share something my competitors absolutely do not want you to see. Our actual portfolio data: 200-plus purchases, 15.7 per cent average growth, $709 average weekly rent. And I will teach
- 13 June 202310 min read·Market Analysis
You Are Not Tired. You Are Overthinking. Here Is the Mental Framework That Changed Everything.
I finally figured out why I felt perpetually drained. It was not lack of sleep or too much work. I was thinking during action and acting during thought. The moment I separated the two, everything chan
- 6 June 2023约 10 分钟阅读·陷阱与警示
25 岁那年我拒绝了 $200,000 的年薪。为什么现在的舒适等于以后的危机
我们客户里提前实现财务独立的那一批人,都在二十多岁做过同一种选择:选成长而不是舒适。我当年拒绝那份 $200,000 的海外派遣、去接一个没人愿意做的 AI 项目时,走的是同一条路。而这一个决定,改变了后面一切。
- 30 May 202312 min read·Investment Strategy
Six Houses in Three Years: How a Regular Nineties Kid Built a $6 Million Melbourne Portfolio
This is not a get-rich-quick story. It is a get-rich-methodically story. Six houses, three years, roughly $6 million in total value. All on regular income. All on-market purchases anyone could have ma
- 30 April 2023约 11 分钟阅读·财务与税务
一年买下 100 套正现金流房产,每一个数字都摊开给你看
大多数买家中介宣传时只挑最漂亮的两三单。我们把过去一年全部 100 笔交易的平均数据公开,包括那些表现不及预期的。平均购价不到 $730K,平均土地面积 651 平方米,平均租金回报率 6.28%。
- 31 March 2023约 10 分钟阅读·城区分析
你的房子涨了 17%。你还是亏了。算账给你看。
一位达尔文投资者的房产第一年涨 17%,两年累计涨 34%。听起来很厉害。但扣掉印花税、卖方中介佣金、律师费、布景和资本利得税之后,真正落到口袋里的现金,勉强 $103,000。而墨尔本一位 buy-and-hold 投资者,只付了一次交易成本,然后通过再融资把净值释放出来去买第二套房。
- 1 March 202310 min read·Guides
One Investment Property. Should You Put It in a Family Trust? I Did.
Most people think family trusts are only for the wealthy with sprawling property portfolios. I put my very first investment property into one. The asset protection alone justified the $2,500 setup cos
- 30 January 2023约 11 分钟阅读·装修与开发
Melbourne 还没回到高点——这恰恰是我在这里做装修的原因
Perth 涨了,Brisbane 涨了,Adelaide 涨了。Melbourne 安静地蹲在角落,消化着每一条关于地税和人口外流的坏消息。与此同时,我们去年在这里买了 100 套房,每一套装修后都是正现金流。如果你还在 Perth 周期顶部追涨,我替你心疼。