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Buy luxury apartment Kuala Lumpur. Property investment kuala lumpur.

Buy luxury apartment Kuala Lumpur. Property investment kuala lumpur.

Malaysia is a great place to settle down, if you prefer to have a high quality of life with low living costs. According to Forbes news magazine, Malaysia is the only Asian country that qualifies into the list “10 best places to retire around the world”.
It’s not surprising for a country that has a breathtaking nature, among the best cuisines in Asia, and locals that offer great service while communicating fluently in English.
Not to neglect, Malaysia offers the most favorable foreign property ownership regulations in Southeast Asia.
In this guide, you’ll learn everything you need to know before buying property in Malaysia as a foreigner, including information about foreign ownership regulations, if you can buy land, minimum investment requirements, visa regulations, taxes, and more.

Can foreigners buy property in Malaysia?

You have no particular issues to buy and own property on a freehold basis as a foreigner. That includes everything from condos, apartments, and landed houses, such as villas and bungalows.
Even if some restrictions apply, Malaysia is famous for having some of the most favorable foreign ownership regulations. Just keep in mind that you can’t generally buy the following property types in case you’re a foreigner:

  • Bumilots, agricultural land, and Malay reserved land
  • Property dedicated to Bumiputera interest
  • Property valued below RM 1 million (USD 240,000)

Can foreigners buy land in Malaysia?

Malaysia is the only country where you can buy land on a freehold basis as a foreigner. I don’t count Singapore as you need to be a permanent resident for five years and make significant financial contributions.
In other neighbouring countries, like Thailand, you need to deal with complex contractual setups to indirectly own land. The foreigner can open a company and own 49% of the shares, get appointed as a director, and having majority voting rights. Another solution is to let a local citizen hold the title for you.
These setups are not always safe and in many cases you won’t be protected if any issues occur later.

What land types can I own as a foreigner?

In Malaysia, you can get full freehold ownership of the following land types:

  • Vacant land
  • Commercial land
  • Industrial land
  • Residential land

It’s possible to get ownership of Malay reserved land and agricultural land, but the process is complex and it’s not granted on a frequent basis.

Minimum property prices for foreigners

Malaysia has introduced minimum investment requirements (MFIV) to foreigners, leaving affordable properties to the locals. A personal guess is that a larger amount of capital can enter the Malaysian market as well, creating value for Malaysia as a country.
The minimum investment requirements differ between states and it’s important that you make a thorough overview of the regulations that apply.
Below I have listed the minimum investment requirement for each state. The information is valid as of 2014 (except for Penang, where regulations were updated in 2017):

State

Without MM2H

With MM2H

Johor*

RM 1 million

RM 1 million

Kuala Lumpur

RM 1 million

RM 1 million

Labuan

RM 1 million

RM 1 million

Negeri Sembilan

RM 1 million

RM 1 million

Pahang

RM 1 million

RM 1 million

Putrajaya

RM 1 million

RM 1 million

Terengganu

RM 1 million

RM 1 million

Perlis

RM 1 million

RM 500,000

Kelantan

RM 500,000

RM 500,000

Sabah

RM 500,000

RM 500,000

Melaka**

RM 500,000

RM 500,000

Sarawak

RM 400,000

RM 300,000

Perak

RM 1 million

RM 350,000

Selangor (strata property)

RM 2 million

RM 2 million

Penang Island (landed houses)

RM 3 million

RM 3 million

Penang Island (strata property)

RM 1 million

RM 1 million

Penang Mainland (landed houses)

RM 1 million

RM 1 million

Penang Mainland (strata property)

RM 1 million

RM 500,000

*In Johor, you need to invest at least RM 2 million for landed property in different international zones.
** For Melaka, RM 500 thousand is valid for Strata title, but the value increases to RM 1 million for non-Strata titled property.

MM2H – Malaysia’s long term visa

Persons that are tired dealing with frequent visa applications can apply for the praised MM2H visa. MM2H is an abbreviation of Malaysia My 2nd Home that allows foreigners to get a 10-year renewable visa.
Once you’ve obtained it, you can easily leave and come back to Malaysia, avoiding the hurdles to frequently apply for new visas.
To qualify for the visa, you need to meet financial and medical requirements, as stipulated by the state.

What are the requirements to apply for an MM2H visa?

Below you can find more information about the financial and medical requirements you need to meet when applying for an MM2H visa.
I also recommend you to hire an MM2H agent that can help you and your family with the application (more about MM2H agents later in this article).

Financial proof for persons under 50 years

If you’re under 50 years old, you need to have at least RM 500,000 in liquid assets and have a monthly income of at least RM 10,000, remitted from overseas.
When settled, find any international bank with a local branch such as Standard Chartered or HSBC, where you need to deposit at least RM 300,000 in a fixed deposit account.
You need to wait for one year until you’ll be able to take out a maximum value of RM 150,000, to be used for your children’s education, medical fees or a purchase related to property purchase.
Keep in mind that RM 150,000 needs to be kept in your account during the whole MM2H period of 10 years.
Notice: For the State of Sarawak, the regulations differ and you cannot be younger than 50 years to apply for an MM2H. The only exception is for persons aged over 30 that get long term treatment for medical reasons, or if they have children signed up in local schools.

Financial proof for persons over 50 years (non-retirees)

If you are above 50 years old you, the financial requirements are less strict.
The fixed deposit amount is reduced to RM 350,000 and you need to earn at least RM 10,000 per month. You also need to deposit at least RM 150,000 in a local bank account.

Financial proof for persons over 50 years (retired)

If you are over 50 years old and retired, you need to prove an income of at least RM 10,000 per month, remitted from overseas.
You need to wait for one year until you are able to take out a maximum value of RM 50,000, to be used for your children’s education, medical fees or a purchase related to property purchase.
Again, at least RM 100,000 need to be kept in your account.

Medical requirements

In addition to the financial requirements shown above, you need to provide a medical report from a registered clinic or private hospital in Malaysia.
When the medical check is approved, you should also have a medical insurance coverage that’s valid in Malaysia, from any insurance company.
Keep in mind that your dependants (such as your children or wife) need to provide medical reports and have valid insurances as well. Your dependants need to be under 21 years old and not married.

MM2H benefits

If you apply for an MM2H visa, you can enjoy a number of benefits. Below I’ve included some examples:

  • Lower minimum investment requirements for property
  • Apply for one maid (in accordance with the guidelines provided by the Immigration Department)
  • You can bring your spouse and children (if the children are aged under 21 and unmarried)
  • Tax Exemption for pension remitted from overseas and foreign funds transferred into Malaysia
  • You can own and actively run your own business
  • You can work part-time if you’re above 50 years old

MM2H agents

To apply for the MM2H, it can be a good choice to seek help from an MM2H agent. The agent knows the regulations in-and-out and makes the process more swift.
Below I’ve listed some of the agents listed by at the official government portal of MM2H:

Selangor
  • 1 Anda (MM2H) Sdn Bhd
  • Access Asia ( MM2H ) Sdn Bhd
  • Citrus Consultant & Services (MM2H) Sdn Bhd
Johor
  • 2nd Home Agent Malaysia (MM2H) Sdn Bhd
  • Global Asia (MM2H) Sdn Bhd
  • Dynamic International (MM2H) Sdn Bhd
Kuala Lumpur
  • A & W Consulting (MM2H) Sdn Bhd
  • Berjaya 2nd Homes (MM2H) Sdn Bhd
  • Graceful Discovery (MM2H) Sdn Bhd
Penang
  • Oriental Stay (MM2H) Sdn Bhd
Sarawak
  • Acropolis (MM2H) Sdn Bhd
  • Extreme Events MM2H Sdn Bhd

For more information, you can visit the the official government portal of MM2H.

MM2H agent fees

Agents normally charge around RM 10,000 (around USD 2400) for a couple.
The only additional fees are government charges for the visa itself, which amounts to around RM 90 per year.

How long time does it take to get the MM2H visa?

It normally takes 3 to 4 months to get the visa.
If you meet all the income and medical requirements you’ll be approved, but the government check applicants quite thoroughly and often contact your bank, and requiring a police report.

Can foreigners get property loans in Malaysia?

In the past years, the Malaysian banks have made it easier for foreigners to get property loans.
Still, banks can be a bit restrictive, as the economy hasn’t fully recovered since the recession in 2008.
I’ve contacted several Malaysian banks, and you need to meet any of the following requirements to be granted a property loan:

  • You’re locally employed
  • You have an MM2H visa
  • You’re married to a Malaysian citizen

If you meet any of these requirements, you’ll have a greater chance to obtain a loan. The same regulations apply in Hong Kong, banks don’t care much about your nationality, but your source of income should preferably be in Malaysia.

The following information is also of importance when you apply for a loan:
  • Your income and age
  • The value of the property
  • The location of the property
  • The bank might also do a World Check

World check is a risk management database used for individuals and organizations. It’s used to find financial, reputational and regulatory risks.

How much can I borrow as a foreigner?

Non-resident foreigners experience lower LTV ratios (Loan To Value) compared to locals and resident foreigners. This is the case in Singapore as well, where foreigners get lower LTV rates.
The LTV rates range between 50-60%, according to the research I’ve done. Simply put, the LTV tells you how much the bank will pay, where the LTV rate is multiplied by the purchase price, or valuation price, whichever is lower.
If you’re an MM2H holder or a permanent resident, which is a requirement from some banks, the rates will be higher and sometimes reach up to 70%.

Which documents do I need to apply for a property loan as a foreigner?

To give you an example, some of the documents that HSBC requires when you apply for a loan include:

  • Copy of your passport (or other valid ID)
  • Salary slips (past 3 months)
  • SPA agreement//deposit or Booking receipt/letter
  • Copy of the Land title (if existing)
  • Bank statements (dating 6 months back)
  • Latest income tax return form, EA-form / EPF-statement (Max. 12 months back)

If you are self-employed, you need to provide the following documents:

  • Business registration documents
  • Bank statements (dating back 6 months)
  • Latest financial statements
  • Other documents to prove your income

How is the process when applying for a mortgage?

The application process is similar between foreigners and locals, but foreigners need to provide additional documents related to their residency and employment in Malaysia.
The first step should be to find a bank that can offer you a loan, where I recommend you to contact the following banks:

  • CIMB
  • Maybank
  • UOB
  • HSBC
  • RHB
  • Citibank
  • Standard Chartered

You can find more information about loan options and requirements on the websites. When you have chosen a bank, prepare the documents listed above, before you set up a formal appointment.

Receiving your Letter of Offer

After you’ve paid a visit to the bank and provided your loan application, the bank will provide a Letter of Offer. It takes around five days to receive the Letter of Offer and it shows information about (for example):

  • The property you plan to buy
  • The amount you can borrow
  • The payback period (normally up to 35 years)
  • Administration fees to set up the loan
  • The interest rate
  • Amortization plan

If you accept the Letter of Offer, the bank will appoint a lawyer that will make a Loan Agreement to be signed, which takes around 10 days to make.
The final step will be for the Land Office to approve the transfer of the property. When approved, the loan can be distributed.
If the property is under construction, the bank will make the payments in instalments and in accordance with the progress of the development.

Property taxes in Malaysia

It’s important that you have a good knowledge about what property taxes that apply, before you buy property. Below I’ve included taxes you need to pay when buying, holding or selling property in Malaysia.

Stamp duty

At the moment of writing this article, the stamp duty increases progressively from 1% to 4% of the property value, it’s paid by the buyer:

  • RM 0 – 100,000 = 1%
  • RM 100,001 – 500,000 = 2%
  • >RM 500,001 – 1,000,000 = 3%
  • RM 1,000,001 or more = 4%

On top of that, you usually need to pay for a legal fee, ranging between 0.4-1%.

Quit rent (for landowners)

Paid for both leasehold and freehold property to the Land Office. However, the fee is usually included in the rent for leased land. The amount is almost negligible and generally don’t more than USD 10-20/year.

Assessment tax (property tax)

In short words, Assessment tax is similar to property tax used in other countries. It’s calculated based on the estimated annual rental value of your property, which is in turn multiplied by a rate, usually set to around 4%.

Rental income tax

The rental income tax increases progressively from 0% – 28% if you’re a permanent resident or a Malaysian citizen. The rates are multiplied with the yearly estimated rental incomes.
For non-resident foreigners, the rate is fixed and set to 28%.
Keep in mind that you can make deductions of the appraised value by deducting fees for property management, repairs, and more.

Real Property Gains Tax (RPGT)

Malaysia has a low capital gains tax, if you hold your property long term.
The rates apply to the capital gain (net profit) made when selling your property. The rates change depending on the time you hold the property and your residential status:

Citizens / PR holders
  • Up to 3 years: 30%
  • Up to 4 years: 20%
  • Up to 5 years: 15%
  • More than 5 years: 5%
Non-citizens
  • Up to 3 years: 30%
  • Up to 4 years: 30%
  • Up to 5 years: 30%
  • More than 5 years: 10%

Which are the best places to buy property in Malaysia?

Malaysia has a number of interesting cities, all with different unique features and benefits. Below I’ve listed some of the most interesting places worth having a look at.

Kuala Lumpur

Kuala Lumpur will become a major city by reaching 10 million people in a near future. Foreign investors still see the capital as an attractive choice, it’s the main hub for people to do business in Malaysia.
Although some people say that Kuala Lumpur is more expensive and overvalued compared to other parts of the country, there are real cuts that can be made in the outskirts.
The government invests much in infrastructure, with plans to link Kuala Lumpur with Iskandar, which will increase commercial activities.
Some of the most interesting areas among foreigners and expats in KL include:

  • Mont Kiara
  • Bangsar
  • KLCC

I recommend you to make a thorough overview of both sub-sale properties and off-plan projects in this city.

Selangor

This rich state is just behind Penang in terms of GDP per capita. It was first to be called a developed state in Malaysia, attracts many businesses, and has the highest number of universities in Malaysia.
Setia Alam, Bandar Bukit Tinggi, Setia Eco Park are all worth to watch if you plan to purchase a property in Selangor.

Penang

Penang is famous for its relaxed atmosphere, foreign retirees pour into this region. It’s one of the most densely states, there’s a reason why minimum investment requirements are higher, especially for landed property.
The state also has a good economy and investors from Singapore have Penang as their first option when buying real estate in Malaysia. Some of the most interesting places in Penang include:

  • Georgetown
  • Butterworth
  • Batu Ferringhi

If you want to know more about the best places to buy real estate in Malaysia, I recommend you to read my separate article that includes more exhaustive information.

Johor Bahru

Johor Bahru attracts a lot of Singaporean and Mainland Chinese investors, building up local communities. Located with proximity to Singapore, it’s one of the richest states in Malaysia and an attractive place for property investments.
If you want to read how to buy a condo in Johor Bahru, you can read this guide.

Renting out property in Malaysia

Foreigners can rent out property in Malaysia, but you should read about the local regulations beforehand, and plan well in advance.
First of all, a recommended option is to find a local agent that can help you to find tenants and managing the rental in general. You can read more about some of the top real estate agents in Malaysia in my separate guide.
Usually, the agency will claim a cost equal to the monthly rental fee, if the contract is for 1 year. If the contract is for 2 years, the fee will be 2 months, and so it goes on.

What should I include in the rental agreement?

You need to make sure that the maintenance fees of the property are paid every month. But the agency should help you to make sure that the rent and fees (e.g. for water and electricity) are paid timely by the tenant.
Before you allow any tenant to live in your property, make sure that you have a clear contract, written and signed. The contract should at least include:

  • The period you rent out your property
  • The rental amount agreed and what’s included in that fee (such as water, electricity, or car space)
  • What will happen if the tenant decides to leave the property before the tenancy expires?
  • The deposit amount
  • What will happen if the property gets damaged?
  • Whether the tenant can renew the contract or not, will there be any discount in that case?

Preferably, find a standard contract written by the agency or find a standard version on the internet.

Rental income tax in Malaysia

If you rent out property, you need to pay a rental income tax as follows:

Malaysian citizens and permanent residents

Increases progressively from 0% to 28%

Non-resident foreigners

28%

FAQ

Below you can find frequently asked questions from property buyers and my replies.

Can US citizens buy real estate in Malaysia?

US citizens can buy real estate in Malaysia and don’t have any special treatments in comparison to other foreigners.
If you want to know more about what regulations that apply, go to the section “Can foreigners buy property in Malaysia?” above.

Can Singaporean citizens buy property in Malaysia?

Yes, Singapore citizens have no issues to buy real estate in Malaysia, as stipulated by the government. Just keep in mind that some land types are designated to Bumiputera.
If you’re a Singapore citizen and own an HDB unit, you first need to fulfill the Minimum Occupation Period (MOP) of five years, before you can acquire a property in Malaysia.
If you want to know more about what regulations that apply, go to the section “Can foreigners buy property in Malaysia?” above.

Can Indian citizens buy property in Malaysia?

The same as it goes with US citizens, India citizens have no special treatments when buying property in Malaysia, compared to other foreigners.
If you want to know more about what regulations that apply, go to the section “Can foreigners buy property in Malaysia?” above.

Can foreigners buy property in Sarawak?

Yes, you can buy property in Sarawak as a foreigner and the minimum investment requirement is RM 400,000. In case you have an MM2H visa, the requirement is lowered to RM 300,000.

Can foreigners buy property in Selangor?

Foreigners can buy property in Selangor, but the investment requirements are among the toughest in Malaysia.
You’re only allowed to buy strata properties (often condominiums), where the minimum purchase prices differ depending on the zones. The zones and investment requirements are as follows:

Zone 1 – RM 2 million

Petaling, Gombak, Hulu, Langat, Sepang, and Klang

Zone 2 – RM 2 million

Kuala Selangor and Kuala Langat

Zone 3 – RM 1 million

Hulu Selangor and Sabak Bernam

Can foreigners buy agricultural land in Malaysia?

Foreigners are generally not capable of buying agricultural land, even if it’s allowed under some conditions. You need to meet the minimum price threshold and get approval from relevant state authorities.
Act A587 was added to the National Land Code 1965 and states that foreigners are prohibited from buying agricultural land, but allowed to do so after receiving approval from the state authorities (in respect of building land).
Decades back, the Malaysian government wanted to welcome foreigners to invest and start new industries in Malaysia, as long as they didn’t compete with the local agricultural sector. The act exists until today’s date.

Can foreigners buy commercial property in Malaysia?

You can buy commercial property as a foreigner, including property in the office, retail, and industrial sector, for example.
The requirements for minimum purchase prices only apply to places where the buying pressure is slightly higher, like in Kuala Lumpur.
If you want to know more about how it works when buying commercial real estate in Malaysia, I recommend you to read my separate guide.

How high are the agent commissions in Malaysia?

Agent commissions can reach up to 3%
This is valid for land as well as for houses and apartments.

Buy luxury apartment Kuala Lumpur. Property investment kuala lumpur.

Buy luxury apartment Toronto. Real estate lawyer toronto.

Buy luxury apartment Toronto. Real estate lawyer toronto.

Real estate in Canada looks attractive from the outside as well as from within the country. With many Canadian cities, including Toronto and Vancouver, being rated among the most desirable places to live in the entire world based on such criteria as health care, education, public transit, diversity, and green spaces, it’s no wonder that it makes sense from an investment point of view to purchase Canadian property from abroad.

Whether you plan to make Canada your permanent home now or in the future; relax in a vacation home in our lush cottage country; make your home-away-from-home a convenient urban flat, or simply buy an income-producing property for investment purposes, buying Toronto real estate is generally speaking easy for foreign buyers. Understanding the issues involved in purchasing, leasing, financing and selling a property in Canada will assist you in properly assessing the risks and rewards associated with these types of investments.
The following information applies to non-residents of Canada – and it’s interesting to note that residency does not necessarily have anything to do with citizenship. Even a Canadian citizen will usually be treated as a non-resident if they live in Canada less than a total of 183 days in the year, or has no permanent home in Canada but instead lives abroad.

 

Prospective immigrants to Canada, often lured to our friendly shores by soaring property prices in the U.K. and Europe, find it easy to travel here to get a feel Toronto Wards Island by Daniel Thorton for real estate opportunities by taking advantage of the affordable direct airfares now being offered by such online discounters as FlightNetwork. Once they have decided on a city, toured different neighbourhoods and viewed properties in person, they are usually pleased to find that there are no restrictions or limits on the amount of property they can buy.
banks and credit unions will finance your
Local lenders such as chartered purchase subject to credit approval (though if you don’t work in Canada, they may require a cash downpayment of at least 25%) so there’s no need to bring a whole suitcase of cash with you. Depending on where you take your business, you may need to provide a letter of introduction from your banking facility in your own home country; your previous income in the home country will also be verified. For more information on beginning a relationship with a Canadian financial institution, please visit the Citizenship & Immigration website.
If you will be purchasing commercial property, GST (Goods and Services Tax) registration may be required.
An added bonus when seeking full immigration (as opposed to ‘visitor’) status: the purchase of a home shows a connection to Canada, and the property is ultimately treated as a part of your overall net worth.
Foreign investors who are purchasing solely for investment purposes and have no plans to live in their Canadian property, but hope to sell it in future for a large capital gain, would be wise to speak to an experienced accountant about all the implications.
The property buying process itself usually runs smoothly, especially when working with reliable real estate professional.

 

One thing’s for certain: non-residents are required to have 25% of the gross rental income of the property withheld and remitted monthly to the Canada Revenue Agency within fifteen days of each month-end, either by the tenant, or by a Canadian representative appointed by the foreign investor. Failure to withhold this tax and to file a tax return can result in stiff penalties.
Buying your piece of Canadian real estate may have been easy and unrestricted, but there are a few things to take note of – besides the profits - when the time comes to sell your property. It’s essential to have a trusted real estate agent guide you through the process. Even after signing on the dotted line, much must be done to ensure a smooth closing.
Non-resident sellers should be aware of the following tax obligations:

  • Non-residents are subject to the same Land Transfer Tax on their sale transactions as paid by Ontario residents (the former 20% non-resident tax has been repealed)
  • There are deductions to the Land Transfer Tax that may apply for non-resident first time home buyers who plan to use the property as their principal residence within nine months of completing the purchase
  • Non-residents must notify the Canadian government via a sale notice within ten days of the completion of the sale transaction, to obtain a certificate of compliance showing that the CRA has received either a prepayment of the taxes owing or appropriate security for the prepayment. If the sale notice isn’t filed, stiff penalties apply.
  • In the next year following completion of the sale, non-resident property sellers can file a tax return and hopefully obtain a refund for a portion of their provable improvement expenses, legal fees, Realtor commissions, survey fees, etc., with respect to the property; consult an Ontario Accountant for assistance in preparation of this return
  • Read more about the tax obligations for non-resident vendors disposing of real property in Canada on the CRA site.

Where an advocate comes into all this, is to help the non-resident property buyer with such things as obtaining fire insurance (a must for mortgage lenders, and something that can be more difficult to obtain for non-residents); providing Power of Attorney services if you will not be in the country for the closing; referring legal and financial representation you can trust; and helping you navigate the ever-changing immigration and tax laws.

Buy luxury apartment Toronto. Real estate lawyer toronto.

Comprar apartamento de lujo en madrid. Agentes de la propiedad inmobiliaria madrid.

Comprar apartamento de lujo en madrid. Agentes de la propiedad inmobiliaria madrid.

El estrés que supone mudarse de piso no tiene precio, pero si sumado a eso tienes que cambiar de ciudad, no lo quiero ni imaginar. Puede que estés aquí porque hayas decidido pasar del alquiler y comprarte un piso o porque tu trabajo te obligue a cambiar de ciudad y acomodarte en una nueva y no sepas dónde vivir en Madrid. En cualquier caso, vamos a ayudarte a escoger los mejores barrios de Madrid para mudarte.

Una de las cosas más importantes que tienes que tener en cuenta a la hora de decidir dónde vivir en Madrid es pensar en el estilo de vida que quieres llevar.  Por ejemplo, si das mucha importancia a la vida social la mejor zona para vivir en Madrid será una urbanita donde tener a mano bares y tiendas, si tienes hijos pensarás en zonas donde puedan jugar en parques y tener la tranquilidad de que no les pasará nada, o quizás lo más importante para ti sea que tu hogar esté cerca de tu trabajo, ya que en Madrid las distancias son largas.
Madrid es la ciudad más poblada en España y dentro de sus barrios encontrarás convergencia entre cultura y modernidad. Las posibilidades para hacer planes en esta ciudad son infinitas, así que esperamos ayudarte a que encuentres las mejores zonas para vivir en Madrid y que se adapten a tus necesidades. ¡Empezamos!

¿Por qué comprar un piso en Madrid?

Como te comentábamos, Madrid es una ciudad que tiene prácticamente de todo: museos, zonas comerciales, mucha historia entre sus calles, parques temáticos, El Retiro, estadios de fútbol y de espectáculos, Madrid Río…
Ya seas de campo o de ciudad, la capital de España alberga zonas para los más urbanitas y para los que huyen de todo. Esto hace que cualquier persona encuentre en Madrid su rincón secreto donde perderse. Y si estás pensando en un “cambio de aires”, Madrid se convierte en un sitio perfecto para poder empezar de cero, ya que puedes encontrar casi cualquier tipo de trabajo. Así que, ¿cuál es considerada la mejor zona para vivir en Madrid?
Si dudas si alquilar o comprar, tienes que saber que actualmente la tendencia de los españoles es comprar antes que alquilar, ya que los alquileres se han disparado y a la larga supone más inversión que comprar directamente una vivienda y pagar hipoteca a un precio inferior mensual que alquilando.

Mejores barrios de Madrid para comprar un piso

Ya te decimos que Madrid es tan grande que alberga barrios para todo tipo de persona y de gustos. A continuación, toma nota de los mejores barrios para vivir en Madrid:

  • Los Jerónimos  es una de las mejores zonas para comprar piso en Madrid si buscas tranquilidad y tienes hijos. Es una zona  muy residencial y tranquila. Se encuentra dentro del Distrito del Retiro, por lo que está rodeado de muchas zonas verdes y de museos. Eso sí, es un barrio más costoso.
  • El barrio del Pilar  también es una de las mejores zonas de Madrid para vivir, ya que tiene cerca el monte de El Pardo, ideal para escapadas de fin de semana y el precio en esta zona es más barato que en la zona del Retiro porque está más alejado del centro de la ciudad.
  • El Barrio de Salamanca,  siempre ha sido la mejor zona para vivir en Madrid, ya que es uno de los barrios más exclusivos de la capital  en términos de compras o restaurantes de estrella michelín. Sin duda es uno de los barrios más seguros de Madrid. 
  • Chamberí,  por ser una de las zonas más castizas de Madrid. En Chamberí podrás disfrutar del centro de la capital y de sus áreas verdes y deportivas. 
  • Malasaña o chueca  son barrios perfectos donde comprar piso en Madrid para aquellos que no paran nunca. En estos barrios encontrarás mucha diversidad cultural y gente con ganas de pasárselo bien. Son muy céntricos y aunque te conviertas en el más cool de tu grupo, no te aseguramos que puedas dormir de un tirón por las noches….
  • Conde Duque : se ha convertido en otro de los mejores barrios de Madrid, porque alberga el centro cultural del que lleva su nombre. Sumado a esto, también tiene cines, teatros y multitud de exposiciones temporales, por lo que lo convierten en una de las mejores zonas para comprar piso en Madrid.
  • La Latina:  este también es uno de los mejores barrios para vivir en Madrid si te van los sitios con encanto. En este barrio se destila la ida y venida de gente, boutiques, bares, mucha gastronomía… La Latina se encuentra dentro del barrio de los Austrias, por lo que tiene mucha historia y monumentos característicos como El Palacio real, la Catedral de la Almudena o el Teatro Real.
  • Madrid Río  es uno de los mejores barrios de Madrid si lo que buscas es tener zonas para pasear y escapar de los bullicios.
  • Moncloa- Aravaca  es otra de las mejores opciones para vivir, puesto que es tranquilo pero cercano del centro o de la universidad y uno de los barrios más seguros de Madrid.
  • Arturo Soria:  es una de las mejores zonas para vivir en Madrid para aquellos que quieren huir del centro de la ciudad y el bullicio. La mayor parte lo componen urbanizaciones y tienen buenas zonas para pasear o hacer ocio.
  • Alameda de Osuna  es otra de las mejores zonas para vivir en Madrid que debemos comentar por su tranquilidad, ya que está alejado del centro de la ciudad. Este barrio está cerca del aeropuerto, así que será un plus si tienes que viajar mucho. Y, además, tiene multitud de zonas verdes.

Mejores distritos de Madrid donde comprar un piso

Por si no lo tienes claro, a continuación te dejamos todos los distritos para que elijas dónde comprar piso en Madrid:

  • Distrito 1: Centro
  • Distrito 2: Arganzuela
  • Distrito 3: Retiro
  • Distrito 4: Salamanca
  • Distrito 5: Chamartín
  • Distrito 6: Tetuán
  • Distrito 7: Chamberí
  • Distrito 8: Fuencarral- El Pardo
  • Distrito 9: Moncloa- Aravaca
  • Distrito 10: Latina
  • Distrito 11: Carabanchel
  • Distrito 12: Usera
  • Distrito 13: Puente de Vallecas
  • Distrito 14: Moratalaz
  • Distrito 15:Ciudad Lineal
  • Distrito 16: Hortaleza
  • Distrito 17: Villaverde
  • Distrito 18: Villa de Vallecas
  • Distrito 19: Vicálvaro
  • Distrito 20: San Blas. Canillejas
  • Distrito 21: Barajas

Si hacemos caso al punto anterior, verás que los mejores distritos de Madrid para vivir serían: Centro, Retiro, Salamanca, Chamberí, Chamartín, Fuencarral- El Pardo, Moncloa-Aravaca  y La Latina.

Mejores distritos de Madrid para invertir

Lo que tienes que tener en cuenta a la hora de invertir en un piso o una casa, es saber qué quiero y qué puedo gastarme. Ya conoces cuáles son los barrios más seguros de Madrid y los que están en las mejores zonas, pero ¿puedes pagar un piso en esos distritos?
Al final, cada cliente decide invertir en un piso u otro en función de la idea que está buscando. Ahora que ya conoces los distritos en los que se encuentran los mejores barrios para vivir en Madrid, es necesario que te plantees cuánto estás dispuesto a invertir.
Barrios como el del Centro, Chamberí, Fuencarral – El Pardo y Moncloa y el Barrio de Salamanca, son zonas seguras y buenas para vivir en Madrid, pero también son las más caras. Sin embargo, Vallecas está cerca del centro y ofrece opciones de compra asequibles, aunque disminuye la seguridad.
Te contamos que calles como la Arapiles o la calle Alcalá son de las más caras por superficie. Pero vayamos al precio:

  • Si puedes gastarte entre los 70.000 y los 80.000 euros , podrás costearte un piso en Vallecas, Usera, Vicálvaro o Carabanchel, que no son de las zonas más buenas para vivir en Madrid. Y ten en cuenta que quizás la vivienda en cuestión necesite una reforma, por lo que el desembolso será mayor.
  • Entre los 80.000 y los 130.000 euros  podrás encontrar una oferta mejor en cuanto a que son barrios más tranquilos y con rentas atractivas. Nos referimos a barrios como Ciudad Lineal, Barajas, Hortaleza, Villa de Vallecas y Moratalaz.
  • Si puedes gastarte hasta 300.000 euros,  podrás costearte un piso en una de las mejores zonas para comprar piso en Madrid: Moncloa, Fuencarral, Hortaleza, Tetuán y Arganzuela Planetario.
  • Con un presupuesto mayor de los 300.000  encontrarás, sin duda, zonas buenas para vivir en Madrid: Chamberí, Chamartín, el Centro y la zona de El Retiro.

Si tu presupuesto es más bien alto y estás pensando dónde comprar un piso en Madrid, te comentamos que ahora la tendencia es preferir Chamberí a Salamanca por tener una amplia oferta de pisos y casas de lujo a precios competitivos. El barrio Chamberí se caracteriza por tener numerosos palacios que fueron utilizados por personas influyentes en los siglos XIX y XX y que ahora han rehabilitado. Además, ofrece una amplia oferta cultural y en el último año se ha convertido en una de las mejores zonas de Madrid para vivir por inversores que quieren otra zona diferente a la del típico Barrio Salamanca. Y dentro de Chamberí, los destinos preferidos son Almagro y Trafalgar.

Zonas de Madrid menos aconsejables para vivir

En este apartado encontramos algunas discrepancias sobre las peores zonas para vivir en Madrid. Podrías considerar, por ejemplo, que la zona sur de Madrid no es aconsejable para vivir porque está lejos del centro y si tienes que ir todos los días por tema de trabajo, acabarías perdiendo mucho tiempo en aparcar o en ir en transporte público.
Sin embargo, es cierto que por habladuría popular hay ciertas zonas de Madrid que son consideradas como las peores zonas para vivir en Madrid la poca seguridad. Lo bueno es que son zonas baratas:

  • Orcasitas
  • Orcasur
  • San Fermín
  • Carabanchel (Pan Bendito y Alto de San Isidro)
  • Vallecas (Entrevías y Vallecas)
  • San Cristóbal
  • Villaverde
  • Tetuán
  • Simancas
  • Lavapiés
  • Algunos barrios de la Latina (La colonia de los Olivos, Caño Roto y la Calle Cullera)
  • El Ruedo (en Moratalaz)

Ahora que ya sabes cuáles son las mejores zonas de Madrid para vivir y las peores zonas para vivir en Madrid, así como una estimación de precios…. esperamos haberte ayudado. Tanto si tienes claro el barrio donde quieres vivir como si aún no lo tienes, no olvides que nosotros podemos ayudarte en la decisión de dónde vivir en Madrid y ofrecerte el piso o la casa que buscas, ya seas urbanita o que huyas del bullicio y te aseguramos que la casa que quieras hacer tu hogar, cumplirá con las mejores certificaciones del mercado. Echa un vistazo a nuestras casas aquí. Nosotros nos encargamos del papeleo y tú de instalar y decorar los muebles. ¡Disfrutar, nunca fue tan fácil!

Comprar apartamento de lujo en madrid. Agentes de la propiedad inmobiliaria madrid.

Kup luksusowy apartament Warszawa. Wynajem biura warszawa.

Kup luksusowy apartament Warszawa. Wynajem biura warszawa.

Stolica Polski rozwija się niezwykle dynamicznie. Tak duże tempo wzrostu sprawia, że na planistach miejskich ciąży coraz większa odpowiedzialność. Muszą oni analizować układy zarówno nowych osiedli, jak i tych mocno rewitalizowanych. Michał Spodymek z GOESTE Nieruchomości doradza, gdzie już dziś warto kupić mieszkanie w Warszawie.

Aktualnie ceny warszawskich nieruchomości osiągają rekordowe poziomy. Póki co nic nie wskazuje na to, aby w najbliższym czasie coś miało się zmienić. Zasady są dość podobne do tych obowiązujących w wielu innych aglomeracjach. Jeśli chodzi o mieszkanie w Warszawie, najdrożej jest w centrum, a czym od niego dalej, tym taniej. Bywają jednak wyjątki od tej reguły – w miejscach bardziej oddalonych od głównej części miasta również można spotkać bardzo wysokie ceny.
Pod względem rynku nieruchomości w stolicy od dawna istotną granicę wyznaczała linia Wisły. Mieszkania położone na jej lewym brzegu cieszyły się do tej pory zdecydowanie większą popularnością niż usytuowane po drugiej stronie rzeki. Te ostatnie odznaczały się również sporo niższą ceną – i to pomimo bliskiej odległości od centrum. Obecnie sytuacja się zmienia, a różnice w popycie oraz cenie w przypadku obu grup nieruchomości wyrównują się.

Warszawa na małą kieszeń

W przypadku kupców ze stosunkowo niewielkim budżetem najlepszą ofertę stanowić będą nieruchomości położone w miejscowościach granicznych. Niebawem zapewne i tak zostaną wchłonięte przez Warszawę. Dotyczy to szczególnie północno-wschodniej części stolicy i okolic (Jabłonna, Marki, Ząbki). Można tam znaleźć nowe osiedla zlokalizowane blisko terenów zielonych i posiadające całkiem sensowne połączenie z centrum miasta. Decydując się na taką lokalizację, zdecydowanie lepiej jednak być osobą mobilną. Przy czym znaczna odległość od centrum nie powinna nikogo zrażać. Paradoksalnie koszty dojazdu w takim przypadku mogą wynieść mniej niż ze zdecydowanie droższych i bardziej popularnych części miasta. Wynika to z rozmieszczenia środków komunikacji, np. Szybkiej Kolei Miejskiej.

Gdzie z nieco większym budżetem?

W tej grupie najczęściej znajdują się ludzie świeżo po studiach. Nie jest to oczywiście reguła, jednak zwykle młodym ludziom zależy na tym, by być już na swoim. Wobec tego rozglądają się za pierwszym własnym lokum. W nieco wyższym segmencie cenowym ponownie figurują nieruchomości położone w prawobrzeżnej części Warszawy, np. na Białołęce lub Wawrze. To dzielnice o dużej powierzchni i sporych możliwościach rozwoju, m.in. ze względu na istniejącą na ich terenie znaczną ilość terenów zielonych. W okolicy granic tych dzielnic przewidziane są w przyszłości stacje metra, czyli czynniki silnie cenotwórcze. Wawer posiada dodatkowo dostęp do kolejki podmiejskiej. Jednak ze względu na rozległość terenu nie z każdego miejsca jest do niej blisko.
Ze względów budżetowych wiele osób nabywających swoje pierwsze mieszkanie w Warszawie wybiera Ursus i Włochy. Te skrajne osiedla usytuowane w zachodniej części Warszawy mają pewien atut. Są położone blisko działającej już obwodnicy oraz zjazdów na autostradę. Dodatkowo w ciągu dnia szybka kolej podmiejska stwarza tam wygodne połączenie z centrum miasta.

Metro

Kolejna grupa atrakcyjnych cenowo dzielnic to Bemowo oraz Bielany. Można tam jeszcze nabyć mieszkanie w Warszawie w stosunkowo dobrej cenie. Jednocześnie dzielnice te już są lub niebawem będą skomunikowane z centrum za pomocą metra. Pamiętajmy jednak, że sam fakt, iż dzielnica posiada dostęp do nitki metra, nie znaczy, że z każdej położonej na jej terenie inwestycji jest blisko do stacji. Warto zwrócić na to uwagę, szczególnie gdy nie zna się jeszcze dobrze miasta. Deweloperzy prześcigają się bowiem w kreatywnych nazwach i opisach inwestycji. Nie raz spotykamy się w nich z wyrazem „metro”, po czym okazuje się, że z danej lokalizacji do najbliższej stacji jest dobre 10 minut marszu. Na drugim brzegu Wisły popularne są dzielnice Grochów, Gocław oraz Targówek. Podobnie jak w przypadku poprzednich adresów tutaj również odnajdziemy mieszankę starego i nowego budownictwa. Przy tak silnym nacisku urbanizacyjnym zagęszczenie jest nieuniknione.

Najdroższe lokalizacje

Ceny rzędu ponad 10 tys. zł za m2 mieszkania coraz częściej spotkamy na Mokotowie, Żoliborzu, Woli, Ochocie, Saskiej Kępie czy w Wilanowie. Poza ostatnią, wszystkie te dzielnice bezpośrednio graniczą ze Śródmieściem – stąd tak wysokie ceny położonych w ich granicach nieruchomości. Każda z dzielnic obejmuje również starsze osiedla złożone z kamienic lub przedwojennych willi. To właśnie tego rodzaju budownictwo jest najbardziej cenione wśród nabywców. Filtry, północna część Saskiej Kępy, Stary Mokotów, Stary Żoliborz, Bliska Wola, Powiśle to miejsca, w których całkiem nowe budynki pojawiają się sporadycznie, a lokale z rynku wtórnego, szczególnie te utrzymane w dobrym stanie, osiągają niespotykane ceny.
Ale są miejsca jeszcze droższe. Konstancin oraz Podkowa Leśna to podwarszawskie miejscowości, w których średnia cena nieruchomości jest zdecydowanie najwyższa. To najprawdopodobniej również najdroższe lokalizacje w całej Polsce. Obie miejscowości charakteryzuje ciche otoczenie, duża ilość terenów zalesionych oraz równie piękne, co drogie rezydencje.

Przyda się pomoc specjalisty

Podsumowując, odpowiedź na pytanie, gdzie kupić mieszkanie w Warszawie, jest złożona. Wszystko zależy od aktualnej sytuacji życiowo-zawodowej kupca oraz od przeznaczenia nieruchomości. Jeśli ktoś lubi ciszę, powinien uciekać na obrzeża. Warto jednak pamiętać, że w ciągu najbliższych lat ceny mieszkań najprawdopodobniej będą tam rosły. Jeśli natomiast ktoś ceni sobie czas i nie chce długo dojeżdżać do pracy, powinien pomyśleć o okolicach centrum. Osoby rozważające zakup inwestycyjny z myślą o wynajmie długoterminowym powinny kierować się infrastrukturą komunikacyjną, gdyż właśnie na to w pierwszej kolejności zwracają uwagę najemcy. Przy każdej z tych decyzji warto współpracować z agentem nieruchomości, który może dysponować dużo większą ilością informacji o danej okolicy lub o firmie, która budowała wybrane budynki.

Kup luksusowy apartament Warszawa. Wynajem biura warszawa.

서울 고급 아파트 구매. 보증금 담보 대출.

서울 고급 아파트 구매. 보증금 담보 대출.

평범한 맞벌이 부부가 서울에서 내 집 마련을 할 수 있을까. 대기업에 다니는 K씨(36)는 여느 보통 사람들처럼 절대 불가능한 일이라고 생각했다. ‘금수저’는커녕 ‘은수저’나 ‘동수저’조차 되지 않았던 까닭이다. 2014년 결혼 당시 아내와 탈탈 털어 모은 목돈은 6000만원이 전부였다.

신혼집으로 알아봤던 곳은 합정역 인근 신축 빌라였다. 부부의 직장이 종로여서 접근성이 좋은 데다 주변 환경도 나쁘지 않았다. 그런데 별로 대단할 것도 없어 보이는 빌라의 전셋값이 2억~2억5000만원 정도였다. 평생 아파트에만 살았던 터라 빌라 전세에 이처럼 큰 돈을 들이는 게 아깝다는 생각이 들었다. 아내의 생각도 같았다.

30대 초반의 여느 신혼부부처럼 신도시로 눈을 돌릴 수밖에 없었다. 우선 눈에 띈 건 경기도 고양시 행신동에 자리잡은 준공 20년차 아파트였다. 전용면적 40㎡ 전세가격이 1억4000만원이었다. 회사에서 지원하는 전세대출을 낀다면 무리가 없어 보였다. 그런데 가만 보니 매매가격과 전세가격이 비슷했다. 2000만~3000만원 정도를 더 얹으면 아예 사버릴 수 있었다.

어차피 서울을 벗어나 신혼생활을 시작하는 만큼 기왕이면 내 집에서 시작하자는 생각에 매수를 결정했다. 둘이 열심히 벌어 한 사람 연봉만큼 저축하면 대출금도 무난히 갚을 수 있을 것으로 판단했다. 목돈 6000만원에 회사 대출과 시중은행 담보대출을 보탰다. 금리가 1년 변동으로 연 3.05%였는데 나중엔 연 2.37%까지 떨어졌다.

신혼 첫 집이라서일까. 운도 따랐다. 낡은 아파트 값이 1년 반 만에 6000만원 정도 올랐다. 서울에서 밀려난 이들이 꾸준히 행신동으로 유입된 영향이 컸다. 경의선이 중앙선과 연결되면서 서울 홍대입구와 공덕, 용산 등으로 한번에 오갈 수 있게 된 점도 호재로 작용했다.

계산기를 두드려보니 순자산이 1억7000만원으로 늘어났다. 종잣돈 6000만원에 시세차익이 6000만원, 그동안 저축한 돈이 5000만원이었다.

자산만 불어난 게 아니라 식구도 늘었다. 아이가 태어난 것이다. 세 식구가 살다 보니 옛 19평대 아파트로는 좁다는 생각이 들었다. 2016년 하반기부터 틈날 때마다 3억원 중반대의 전용 59㎡ 안팎 아파트를 찾아봤다. 처가가 있는 은평뉴타운에 마음이 끌렸다. 아이를 키우려면 집안 어른들의 도움도 받아야했던 까닭이다.

당시 은평뉴타운 A아파트 전용 59㎡의 시세 3억8000만원가량이었다. 담보인정비율(LTV) 규제 전이라 60% 정도 대출이 가능했다. 은행에서 2억원 정도를 빌리고 연 이율 3%를 가정한다면 1년 이자는 600만원 정도였다. 월세 50만원을 내고 사는 것과 비슷했다.

그러나 한 차례 시행착오를 겪어야 했다. 한 번의 성공에 취해 쉽게 생각한 게 화근이었다. 그때는 은평뉴타운과 인접한 삼송·원흥·지축지구에 신축 아파트가 줄줄이 입주할 때였다. 중개업소에 “이들 아파트가 입주하면 집값이 떨어질 테니 호가가 2000만~3000만원 정도 떨어지거든 연락하라”고 단단히 일렀다. 당시 3억8000만원짜리 집이 3억5000만~3억6000만원으로 떨어지면 사겠다는 계산이었다.

패착이었다. 몇 달 지나고 나니 중개업소에서 4억2000만원을 불렀다. 내리기는 커녕 4000만원이나 올라버렸다. 예상이 빗나간 이유는 수요와 공급이었다. 은평뉴타운 전체 1만5000가구 중에 일반분양된 가구는 9600여 가구다. 이 중 전용 59㎡ 안팎은 800가구 정도밖에 되지 않았다. 부르는 게 값일 수밖에 없었다.

한숨을 쉬자 중개업소에선 B아파트 전용 84㎡ 매물이 4억3000만원에 나왔다고 소개했다. 구석에 박힌 뒷동에 필로티 구조의 2층이었다. 둘러보니 햇볕도 잘 들지 않았다. 아내도 시큰둥했다. 고민하는 동안 집주인은 호가를 1000만원 더 올렸다.

우리가 탐탁지 않은 기색을 보이자 중개업소에선 훨씬 좋은 동의 같은 면적 집을 4억6000만원 정도에 보여줄 수 있다고 제안했다. 은평뉴타운에서 처음으로 고려했던 집보다 면적과 가격 모두 크게 올랐지만 일단 가서 보자 마음이 동했다.

그런데 전세 3억원을 끼는 조건이었다. 매매를 미뤘다가 가격이 오른 경험을 한 직후라 마음이 급해졌다. 기회는 왔을 때 잡아야했다.

그동안 행신동 집에 대한 담보대출을 충실히 줄여왔고 마침 집값이 2억2000만원 정도로 오르면서 한도가 늘었다. 대출을 증액하면 8800만원 정도 마련할 수 있다는 계산이 나왔다. 그동안 모았던 5000만원을 포함해 사회초년생 때부터 넣던 변액보험과 적금을 해지했다. 부부가 마이너스통장도 하나씩 만들었다. 그렇게 마련한 자금으로 일단 계약을 했다. 일시적 2주택이 된 것이다. 

그러다 행신동 집을 매각하고 그 자금에다 새 집을 담보로 대출을 일으켜 세입자 전세 보증금을 내줬다. 매수 후 7개월을 기다려 입주할 때 매매가격이 5억원을 넘어가고 있었으니 서두른 덕에 수천만원의 돈을 아낄 수 있었던 셈이다.

전용 40㎡에서 시작한 신혼집을 전용 84㎡까지 두 배로 늘리는 데 3년 남짓 걸렸다. 주변에선 운이 따랐다고 말한다. 그건 맞다. 분명한 상승장이었기 때문이다. 하지만 두 번의 아파트 거래로 돈을 벌었다는 자랑을 하고 싶은 게 아니다.

더 좋은 환경, 더 좋은 집으로 옮기는 ‘주거 사다리’의 경험은 전세로 살았다면 할 수 없는 것들이다. 전세를 고집했다면 맞벌이로 힘들게 모은 돈을 고스란히 전세금 올려주는 데 썼을 것이기 때문이다. 처음부터 집을 사지 않았다면 서울에 내집마련을 하는 것이 가능했을까. 

매매가 아니었다면 전용 84㎡ 아파트를 살 때 담보대출을 받을 기반이 없었고 1억원 중후반대의 목돈으론 도저히 서울에 내 집을 마련하기 어려웠을 것이다. 안정적 주거환경을 갖춘 까닭에 아이의 교육에 대한 고민이 생기기 전까지는 이사를 고려하지도 않게 됐다. 지금 집에 돈을 더 보태 옮겨야 한다는 고민도 당분간은 없을 것이다.

집값의 70~80%에 달한 전세를 레버리지로 이용해 마음만 먹으면 내집마련을 할 수 있는데도 집을 사길 꺼리는 이들이 아직 주변에 많다. 이들은 집값이 떨어지면 사겠다고 한다. 대부분은 나중에도 사지 못한다. 2년마다 이삿짐을 쌀 뿐이다. 내집마련 비용을 줄일 수 있는 방법은 한 가지라고 생각한다. 하루라도 빨리 내 집을 마련하는 것이다.

서울 고급 아파트 구매. 보증금 담보 대출.


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