① 個人如何進行房地產投資
很多人都有一筆閑錢，存在銀行里利息太低，炒股又擔心風險太大，那麼投資房產也是一個不錯的選擇，既可收取租金，又可期望升值變現。那麼，個人如何進行房地產投資呢？
貸款買房適逢最佳時機
一名消費者算了這樣一筆賬，假如將自己所有的資金全部投入買房，那麼，一年的資金收益率等於零；若購房申請20萬元5年期按揭貸款，自己的20萬元則可投資股市，若用於認購新股，既無風險，每年又可獲利10％以上，這樣不僅買了住房，還獲利4％左右。這名購房者以其理財的技巧，顯示了貸款買房的實惠。
投資購房，銀行提供按揭，且貸款利率再一次降低。如今，各銀行都紛紛推出了住房消費信貸業務，還推出了營業房地產按揭業務，百姓貸款購房已十分方便。百姓如果自有資金不夠，則可借機向銀行貸一部分資金。
投資出租物業正當其時
筆者一大學同學結婚後單位暫時未給分房，他每年租房的花費就有近萬元。去年底，他通過銀行按揭購買了一套兩室一廳的房子。他給筆者算了一筆賬：他和太太月收入加起來有5000餘元，買新房後每月按揭還款1500元，問題不大。而且房改後，他要麼能搭上末班車從單位分到一套房，要麼可以用雙方單位的購房補貼，再通過公積金貸款重新購買一套房子，然後把第二套房子出租給別人，這樣每月至少有500元租金入賬，還款壓力無疑有所減輕。目前，他除較早地住上新房，改善了生活質量外，還擁有了兩處不動產，一處供自己使用，一處當作投資工具，可自由支配。
投資房產的想法在一般人看來肯定是有些超前了。眾所周知，以買賣形式進行房產交易，存在著較大的風險性：一是低買高賣的時機難以把握；二是交易成本高，且缺乏靈活的變現能力。但買房用於出租，以收租獲取投資回報則靈活得多。而且業內人士亦認為，買房除滿足自己居住需求外，用於租賃投資將成為一種發展方向，這也是住房市場化的必然結果。
物業的投資價值主要決定於該物業的服務質量、租金回報和地理位置。而在內地一些城市，物業服務的質量是租房者關注的重點。
由於投資者很少是建築業專家，因此，很難對物業的內在質量進行評估和判斷。所以，考察發展商的實力和開發物業以前的業績，就成為最直接，也是最有效的辦法。
投資住宅要有長遠眼光
與商業用房相比，投資住宅一般比較安全，只要區位不是特別偏遠，升值會比較穩定。需要注意的是，你要設法了解城市的規劃，選擇那些規劃規模較大，各項基礎設施完善，正處在開發之中的項目進行投資，因為這類項目一旦開發建成之後，房產的價格肯定會比你購買時的價格高出很多。
有不少購房者，在選擇商品房時，以選擇郊區或新區的住宅為目標，他們的精明同樣令人佩服。購買同樣面積一套市中心住宅，其價格相當於購買郊區（或新區）住宅加上轎車，且居住環境、增值潛力等均要比購買市中心住宅優越。
投資房產需要有長遠的眼光。商品房買賣是各類商品買賣中動用資金最大、各種制約因素最多的一種交易活動，因此，在交易過程中，不但要詳知各種程序和操作方法，而且要講究策略。
（以上回答發布於2016-12-06，當前相關購房政策請以實際為准）
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② 關於房產投資的幾點建議
據統計，當前全球開發地產總資產已超過217萬億美元，大約相當於全球生產總值的2.7倍，約佔主流資產總值的60%，連身為硬通貨的黃金與之相比都不免汗顏。房地產受全球貨幣環境和投資活動影響最大，也是對國內和國際經濟最有影響力的投資工具。
關注匯率變化
匯率風險是目前大多數海外置業者最為擔憂的。因為房產貸款期限都較長，在這么長的時間內，利率一定是有升有降，貸款人會面臨還貸金額的不確定性。
選擇優質的開發商
國人在海外買房的時候，往往忽略開發商，只知道挑選位置、價格、戶型、朝向、小區環境，認為「大環境」與自家無關。殊不知好的開發商是房屋質量、後期維護等的首要保障。
投資者熟悉這些事項就能讓自己的投資變得更簡單。
③ 如何選購最佳房地產
每個人都需要一個家，一間多全其美的房屋，擁有屬於自已的空間，帶給你無限的溫馨和喜悅，讓你享受家庭生活中的樂趣，是一種幸福和睦家庭的象徵，這是一般人所渴望的美麗夢想。 然而，有些人一生中也許只有能力購置一間房屋，購屋者的金錢都是用血、淚、汗換回來的，選購房屋對他們而言是何等的重要。盡管，曾經購買過房屋的人，無意中也陷入購置或投資房地產的錯誤，例如：延遲交屋、貨不對辦、房屋漏水、公寓失修，產業工程擱置計劃、發展商清盤，品管素質、管理水平、安全居住及投訴無門等問題。無論是用於自住、招租、轉售或投資用途，購屋者都必需謹慎看待購屋問題，勿因個人一時忽略，讓自己犯下購置產業的錯誤，而承擔日後不必要的麻煩，購屋者應該不斷的學習，提升個人房地產知識和掌握其投資竅門，務必要把房地產的錯誤機率降到最低點，甚至是零機率，以避免成為下一個受害者。 在購置房屋或投資房地產之前，購屋者可以通過房地產指南、房地產信息網、房地產部落格、房地產論壇、房地產聊天室、房地產網志及房地產網頁、這些房地產網站針對買屋、賣屋、租屋，進行房地產投資深入分析，房地產市場動態，房屋買賣估計和產業交易價格，為購屋者提供了許多房地產寶貴的資訊。以下是房地產電子書所提供的內容目錄、問題與答案供作參考。投資房地產的好處、房地產種類、購買房地產的秘訣購屋避免的事項、拍賣會的秘訣、拍賣會的好處招租須知、租戶服務、租金管理租約管理、維修管理、產業管理免費附送資料－如何成為精明的租戶免費附送資料－房地產經紀人的秘訣問題與答案 那一種是最佳的房地產投資選擇？那一種是最佳的房地產投資選擇？那一種是最佳的房地產投資選擇？那一種是最佳居住和投資房地產單位？那裡是最佳的房地產投資地區？如何決定房地產的價格？什麼會影響房地產的價格？為什麼房地產會升值？渡家屋值得投資嗎？值得投資購物廣場的商業單位嗎？國外房地產值得投資嗎？什麼時候該把房屋再融資？如何尋找積極的賣主？購買建竣房屋的好處？購置共管公寓的利與弊？購置有地房產的利與弊？如何選擇一流的房屋發展商？可否在房地產展銷會訂購房屋？在房地產拍賣會競標房屋單位是否有一定的風險？應該購買一間價值200萬的房屋或購買四間價值50萬的房屋作為投資用途？在同一個發展地段，是否適合購置幾間房屋單位？為何不宜購置鄉下的房地產作為投資？為何不宜購置太舊的房地產？為何不宜購置太靠近學校、購物中心、商業廣場等地點的房地產？為何不宜購置旁邊擁有空地的房地產？為何避免購置普通公寓頂樓的單位？為何避免購置底樓廉價的公寓單位？購置公寓，什麼地方是應該注意的？該提供傢具設備齊全的房屋給租戶嗎？如何處理租戶在預期前搬遷該房屋？可否動用抵押金作為最後一個月的租金？什麼時候投資房地產最好？為什麼投資房地產會失敗？購置房屋需顧及那麼多的因素，該如何開始？對於一位房地產投資新手，該如何開始？ 房地產電子書的特點物超所值重點濃縮免費附送資料－房地產經紀人的秘訣免費附送資料－如何成為精明的組戶提供六十巴仙的折扣率採用國際著名安全在線付款系統原價：美金三十元，折扣六十巴仙特價：美金十二元(中文版PDF FORMAT二十一頁) 關於作者 嗨！各位網友大家好，我是JESS HO，來自馬來西亞，吉隆坡首都，房地產高檔產業經紀人，專業處理國際海外投資者在馬來西亞進行產業投資買賣事務，依據產業市場走勢，提供業主及買家所需的產業動態。 為何要編寫這份房地產電子書？ 在日常生活中，時常都會聽聞到一些房地產的相關報導，如房地產工程擱置，房屋貨不對辦，延遲交屋，公寓失修，管理費起價及一般購屋者和投資者所面對的問題，那些不幸的遭遇，實在令人感到難過和無奈，因此，激發了我編寫這份房地產電子書，希望藉著自己在房地產的知識和實際經驗，提供一份房地產相關資料與大家一起分享，以避免更多的人陷入房地產種種的困境。 這份房地產電子書有何特點？ 這份房地產資料，主要不以一般房地產論文、哲學及理論性的方式呈獻，為了讓讀者體驗閱讀的樂趣，我把房地產資料的精髓濃縮為重點，提供問題和答案，列出所有的實際重點和避免事項，並給予建議方案，為各位讀者節省了在時間、精神和金錢上的耗費。編寫這份房地產電子書的心路歷程？ 籌備編寫這份房地產資料期間，我把這份房地產的初稿隨放在我的公事包里，到過了許多不同的地點，每當靈感一來，就執筆書寫，在後期製作時，我運用了手提電腦到咖啡座、酒店、購物廣場、辦公室、書房，處理文稿校對，文字刪減和編寫的工作，在不同的環境氣氛寫稿，對於自己的思路心情和靈感激發，的確有不同的效果，編寫期間心理總是想急著要把這份房地產電子書盡快完成，但是很多事情還是需要時間進行的，雖然那段生活是非常的忙碌和疲憊，但對我來說在整個過程中還是充滿意義和喜悅的。用了多長時間來籌備這份房地產電子書？由於在資料整理，實地考察、打字排版、文字校對、設計編寫、網頁架構方面都親力親為，前後籌備約大半年的時間，希望讀者會喜歡這份房地產作品。從那裡獲得房地產的知識和經驗？ 十年前，我對房地產已產生濃厚的興趣，我喜歡研究房屋的美觀設計、建築構思、地理環境、材料品質、室內設計、傢具擺放和庭院裝璜，從報章、雜志、網路、書籍、特定專欄，閱讀有關房地產的資訊，參與房屋展銷會，發展商示範單位，攜帶顧客參觀房屋單位，參與房地產檢討會，房地產講座會，修讀房地產投資和房地產經紀人專業課程，通過現場的互動學習和心得交流及從事經紀人的工作歷練，一路來不斷充實和學習，長年累月豐富了我房地產的生涯。 對這份房地產電子書有何期盼？ 我希望每一位讀者都能夠在這份房地產電子書從中受益，把所學到的一切盡情發揮在房地產領域里，不但讀者個人受用，甚至可以為家人、親戚、朋友、同學、同事提供房地產的資訊，[購屋快樂、投資順利、安心居住及幸福永遠]，是我推出這份房地產作品最大的心願。為何使用PAYPAL在線付款系統？ PAYPAL除了能夠提供快速、簡易、安全的付款系統，PAYPAL既是目前全球最大在線支付的提供商，可信度和公信力都非常的高，如果你認識EBAY，我想你也能夠了解PAYPAL的來歷和背景。我的租戶耒自什麼國家？ 美國、英國、德國、荷蘭、義大利、法國、挪威、澳洲、中國、日本、韓國、印尼、非律賓、印度、馬來西亞、新加坡、泰國、非洲、蘇聯、迪拜、敘利亞、伊拉克、卡達、黎巴嫩、埃及等等。我的業主耒自什麼國家？ 馬來西亞、新加坡、香港、印尼、澳洲、英國及加拿大。我專注什麼類型的房地產？ 高級公管公寓、高級服務式公寓、有地半獨立洋房及獨立式洋房。我集中在那裡的房地產市場？ 馬來西亞吉隆坡-吉隆坡城中城(KLCC)、滿家樂(Mont Kiara)、 孟沙(Bangsar)、 及白沙羅高原(Damansara Heights) 。為何特別專注KLCC的產業市場？ 當我還沒有成為房地產代理員之前，我的舊公司位於KLCC地區，眼看著那一遍長滿野草的土地，幾經輾轉，通過高檔產業發展計劃後，已建竣一棟棟令人目眩豪華的空中洋樓，這些具時代氣息的高級公寓，座落於城中城黃金地帶，每當單位成功交易的那一刻，都令我有很深的感觸。每個月與顧客有多少次單位預約？ 每星期至少三次預約，在經濟繁榮產業市場旺盛時期，配含個人產業廣告宣傳效應，有時候每天的單位預約都會暴滿，而隔每半小時都會安排買家和租戶連續性的預約，在這緊密的時刻，我必須預先編排和熟記所有單位的資料。一般需要多長時間才能把單位出租？ 似市場情況而定，曾經試過好幾次租戶聯系了我，預約在第二天看房屋後，他們就已經做出了決策，然後第三天就搬進該單位，這些國外租客大部份都以現金交易為首，幸運的時候，也許會碰到兩個案子在同一天執行，手裡拿住好幾萬現金，第一時間趕快去銀行匯款至業主。一般需要多長時間才能把單位出售？ 曾經式過協助業主在三天內找到租戶，接著又在一星期內順利找到買家，無論如何我覺得時機和運氣最重要，如果業主有運氣，即使那棟房屋價格昂貴，在短期間都能夠順利出售，又或者有些情況，一些比市場價格偏底的房屋，也不知何故？遲遲都不能脫售，這與經驗、學歷、知識能力根本豪無關系。那裡的租戶讓我印像深刻？ 他耒自荷蘭，為人正直性格開朗，總是希望把事情辦得盡善盡美，他擁有四張學士文憑、兩張碩士文憑及一張博士文憑，他是一位專業電機工程顧問，目前與本國某家大型國際企業公司擁有四年工作合約，我想那位耒自印尼的業主真的有福了，因為他所繳付的租金永遠都比我想像中的快速，還記得上一回，業主為了處理某些事務，特地從香港轉機到吉隆坡而讓我身受感動。那裡的業主讓我印像深刻？ 她耒自新加坡，為人地調處事謹慎，從事房地產投資工作，通過另一位業主介紹認識，我協助她在三個月內尋找到合適的租戶和買家，只可惜在兩次交易的過程中，我們始終無緣相聚，也許這輩子只能夠擦肩而過，真得有點遺憾！從事房地產行業，什麼事件令你最高興？ 與顧客成功達成交易，能夠順利收到訂金的那一刻，我想。。。。那種感覺是非常喜悅的。從事房地產行業，什麼事情令你最誰過？ 擁有客源但卻找不到合適的房屋單位，或因某些突發事故而被迫把整個交易取消，唉！。。。實在令人覺得可惜。除了馬耒西亞，是否曾經到國外考察產業市場？曾到過新加坡、中國-廣州、深圳、海南、珠海、澳門及香港考察，與馬耒西亞相比之下，那裡的地理壞境、交通系統、管理制度、房屋設計、示範單位、服務態度、生話品味、消費能力、特別是產業價格更有天淵之別。從事房地產行業，你有何心德？能夠協助業主尋找到潛在租戶和買家，並在整個交易過程中順暢無阻。Miss Heng讀者來自吉隆坡TestimonialMy family and I are so pleased to have stumbled across Jess ring our search for suitable living arrangements. She is extremely professional, and explained everything we needed to know in a very timely manner. When we had questions regarding our rental, Jess was very responsive, and ensured that any problems or issues were rectified as soon as possible. From beginning to end, she made our rental experience and visit to KL very positive! My daughter absolutely loves her, and Jess was kind enough to supply her with a going-away present at the end of our rental. We look forward to returning to KL in the future, and we'll certainly utilize Jess and her services again!William WallTenant from United StateHi Jess, This is just a short note to thank you for the swift attention you gave to me in my hunt for a home in KL. It was all a very pleasant experience for me, from the first viewing through to moving in. I couldn』t believe how quickly and smoothly you were able to make it happen, with my tenancy agreement in place and moving into the property all happening within 36 hours of me deciding which property to rent.Thanks for all of your assistance in helping me find a nice suitable place, close to where I wanted to be located. Thanks also for making this all happen so quickly, as it has allowed me to settle into my new job a lot quicker than I would otherwise have and it has also allowed me to avoid staying in a hotel for any length of time. I was very pleased with your service and would be more than happy to recommend you to any new colleagues or acquaintances I meet that might be looking for accommodation.Billy McLeanTenant from United KingdomHi Jess, I just wanted to thank you for your help in finding me the right place. After seeing several agents, you were the only one that understood my needs and didn't try and push me to take something I didn't need. I have and will continue to pass on your details to anyone that I know is looking for a new place to live as my experience with you has been friendly, flexible and professional, many thank.Raj ChawlaTenant from United KingdomWords are coming short to describe in a few sentences the deep kindness, timeless sacrifice and professional help I have received from Jess Ho, I arrived in Malaysia to start work and very soon realized that it is quite difficult as a foreigner to find quickly a new home. As I was referred from my work to various agents, and the many choices of apartments that were available, the only person within all realtors that understood my interests, was honest and took my needs seriously, was Jess Ho.Therefore I would like to thank her deeply. She was always available to show me units that would fit into my needs. I was very lucky and it has been of great pleasure to meet Jess Ho and experience her enthusiasm finding me the right place with the same efforts as she was searching for herself, working with me ring after a hours and making appointments even close to midnights and in weekends, even after she had found a suitable apartment for me, she was still trying to make me more happy and was continuing her search. Any time I meet a person that needs a new home, I will immediately refer them to Jess Ho to experience the same happiness she has provided me and to many others.Dr Riaz AlaiTenant from United StateDearest Jess, thank you for your kind assist us to find a great and warming apartment at KLCC area. The location is very convenience, near transportation, shopping mall and restaurant, just 10 minutes walking distance from an apartment to our office, we are really enjoy the environment around there. Before that, we had tried to research in website and newspaper. Unfortunately, we still not satisfied with the location and facilities until we met Jess Ho. My managing director is much appreciated on her prompt action of our requested, hope she can continuous assist us in the future.NNA (M) SDN BHDTenant from JapanJess is a bloody amazing agent who is very responsive, helpful, quick, and very easy to work with! Not only does she understand from what we are looking for and why, but also she takes the stress out of it for us! She took a personal interest in making sure we found a nice place we could be happy with! She fulfilled out requests to find a place in a rushed period of time when we were visiting Kuala Lumpur for the first time! She accurately found the right place that matched our preferences. Thank you, Jess for finding us a wonderful place in the center of KL and for making the whole search perfect for us!Rika & DoniTenant from TaiwanDear Jess, thank you for helping us in getting a very nice place to rent in KLCC area. With your best effort, we find a very comfortable place to stay. Again, thank you very much and we look forward to stay longer in Malaysia.Lucas R. Garcia Jr.Tenant from PhilippineHi Jess, I had a good experience dealing with Jess as she concted herself professionally. Plus, she was one of the few realtors that was easy to negotiate with, and provided straightforward and honest responses, would very much recommend her services in future.Mark HaTenant from SarawakHi Jess, I am sure that she was the one you could be trust, I was appreciated Jess helped me finding nice apartment in KLCC area, what she is wonderful is not only does she help me finding a good place but also paying attention whether the room is ok even after moving in, I really like her sense of responsibility as well as her warm heart and easy to talk with, if my friend needs an agent in KL, I would recommended Jess! Thank a lot.SaikoTenant from JapanI was looking for apartment to rent recently. Jess Ho has shown me some units of apartment at location KLCC, I have found Jess courteous and professional in all respect in concting herself as a property agent.Mr Lee KBTenant from PinangFrom the beginning, Jess has been of tremendous assistance from helping me identify apartments, organizing the paperwork for the rental, and all the way to the occasional maintenance issues. Jess has been proactive, prompt and thorough and I』m very pleased to work with her.Daniel RiveongTenant from IndonesiaDear Jess, I would like to thank you for your help on searching a Unit. I had searched with other agents before you. I met you but I found your understanding and dealing between tenant and owner was HELPFUL and TRANSPARENT that led me to decide immediately on the unit which I was looking for. Thanks again and appreciate your help.Hosam AlawaadTenant from SyriaWhen I first contacted Jess, I was really impressed by her professionalism and great effort in trying to find the most appropriate place for my roommate and me. Even though I did not sign the contract with Jess at that time because of certain disagreements with my roommate, I did send her an e-mail appreciating her effort and promising to get back to her whenever I need her assistance later. Of course, in less than 3 months, I returned to Jess and asked her to find a place for my own. Even with a very short notice, she was able to find an apartment in great shape. She was always on time and prompt in getting back to me whenever I wanted to talk to her. I greatly appreciate her professionalism, punctuality, and trustworthiness. If I visit and stay in KL again, I will definitely contact her. Thanks a lot Jess!Michelle ChaeTenant from Republic of KoreaEfficient and effective service provided, by far the best property agent I have encountered with.Mr AravinthanTenant from IndiaI came to KL for my own business in Jun 2009. When I was arrived at hotel, I had tried to call a lot of agent, Jess was only the person who got the number from internet and answered my call in mid night. We made an appointment on the next morning, she was able to shown me few unit at the same day, finally I was decided to rent the apartment for a year.I was deeply impressed of jess, she able to provided free consultation for my own business even my personal problem, I』m feel very comfortable and confident towards Jess, she was helped me as her professional way. Thank you very much, Jess.Kayoko IguraTenant from JapanJess understands your requirements, prompt and good service.Recommended!Yvonne YapTenant from SingaporeWe have worked with Ms Jess Ho for almost a year now and would love to work with her again. She has the right market knowledge and friendly attitude that makes house-hunting a much easier process.Rohan Sharma & SiddTenant from IndiaHello Jess, I am very happy with your forward and unbiased advised on the management of my property. I am glad that before I could verify certain issues, for example the sales process, you had already warned me about the consequences to my profit if I should sell off my property. This is the mark of a property professional who strives for a very long relationship rather than a one off sale where you could have just sold off my property, collected your commission and left me with a little profit.Instead you advised me to hold on to my property and keep it until the value goes up in the next 3 years. I am impressed with your advised and the fact that you had gone more than the extra mile for me shows that you are a property professional that can propel me and my property business for the future at a faster rate and build my trust in you with a relationship that goes beyond the property circle. I thank you deeply Jess.Govinder SinghOwner from SingaporeAs a foreigner who doesn't even live in Malaysia, I think the most important aspects about engaging an agent are TRUST and RELIABILITY, on top of expertise, knowledge, network, and understanding of the entire process and the local culture as they are different to that which I am accustomed to in Singapore. Certainly, Ms Jess Ho has proven to be excellent in all these aspects. She has always kept me informed as to how the development was progressing in the most comprehensive and informative way possible. I am always assured that she will get everything done smoothly and VERY FAST. I would like to say a big "Thank You" to her for the professional way in which she has dealt with my transactions. I would highly recommend Ms Ho. Handaya RusliOwner from SingaporeI joined the band wagon of financial wealth planning as most people do nowadays and ventured into my 1st condo investment early this year with the help of a realty agent, Ms X. I was convinced by this agent that the condo could be easily let out within a short span of time and she offered to help with a minimum agent fee. Ms X arranged 2 unsuccessful viewings after I signed the S&P and before the condo was finally transferred to my name. Being an anxious 1st time KL downtown property owner, 「economic slowdown」 was the answer after my numerous follow-up with her.Laden with much disappointment and heavy financial burden, I started looking for others realty agents for assistance after collecting the keys for my condo from Ms X. Almost all agents gave me empty promises. Luckily, I spotted JESS while I was browsing the internet for help. I called her and described my situation to her for urgent assistance. She arranged a viewing appointment for my condo the very next day. I couldn』t believe her speedy attention after experienced so much difficulties in the last few months. I was very impressed with her prompt action. Shortly after that, she called and arranged more clients to view my property. She was very diligent in arranging potential clients for me day or night.After we went through several unsuccessful attempts, she gave me some valuable tips to further improve the condition of my condo to attract tenant. I was very grateful for her honest and frank feedbacks. I did as she told me without any hesitation. I was indeed very happy when she finally managed to get my property rented out thereafter. From the bottom of my heart, I really appreciate it for her unfailing and diligent effort. I would like to take this opportunity to thank her for her assistance. Last but not least, I have no qualms in recommending her to anyone.Mrs HongOwner from MalaysiaAs an overseas investor, I look for a reliable and trustworthy partner to help me oversee and manage my property. Jess is not just my property agent but has proven herself to be a reliable business partner. She was very acti
④ 如何正確進行房產投資
據香港媒體報道，現年50多歲的歌手蘇永康(William)被傳日前以2830萬元(約2300萬人民幣)購入北角半山天後廟道的雲峰大廈一個中層單位連車位，根據土地注冊處的土地登記冊顯示，上址登記買家名字字是(SO WING HONG WILLIAM)與歌手蘇永康名字相同。
隨著中國的GPD高速增長，人民幣的購買力在不斷下降，眼光長遠的人們都開始在考慮怎樣才能讓自己手中的人民幣保值升值，那麼我們該如何讓我們手中的財富保值升值呢?目前國內的主要投資理財方式有：儲蓄存款，基金，股票，外匯，債券，期貨，房地產等，關鍵是要根據自身情況來選擇，警惕理財風險，追求保本保收益，切勿抱著賭徒心態進入投資市場。接下來我們就說一說如何通過購買房產來讓自己手中的人民幣保值升值。
房產投資，北上廣等一線城市，房產投資還是很有前途，不過投資金額較大，一般人投不起，而二三線能投資的城市少，比如杭州目前比較熱，這個要會篩選，否則容易被套。從資產收益率對比來看，投資房地產還是相對靠譜的。數據顯示，在所有大類可投資品種中，除期貨外，2016年收益表現最好的當屬房地產，年度收益率達17.8%，其次是黃金、美元、債券，收益率分別為15.8%、7.0%、0.6%，表現最差的資產是股票，收益率全年下跌12.1%。
城市的選擇
評價這個城市的房產是否可投資，看三方面：
首先是城市的未來規劃和國家是否有重大利好性政策眷顧此地(包括：設立國家級經濟開發區，領導人故鄉等)，此舉是判斷城市的可發展性，但是不要指望短期之內能套現。
第二是(供應量+去化量)與(本地人口數量+外來人口數量)城市土地供應過大開發過多，房價增幅就不明顯；外來人口數量上不去，房價增幅的後勁會不足；
第三是房價增幅數據統計：參看房產分析機構的年度報告，過去三年每年增速如何，如果平緩，再去看2提到的土地和人口方面內容，部分報告網上可以搜到，如果沒有，參看每年當地的年度盤點。
升值空間比較
商業比住宅好——這個就不多說了，鋪子無論從租金還是增值潛力都比住宅大，只要選的位置不惡心，但是選黃金鋪需要火眼金睛，很容易看走眼；
新城區(開發區，新拓展區域，隨便你怎麼叫)比老城區好，結合第一大點，看城市的發展方向和外來人口數量，如果夠健康絕對是新城，但是此條放在全國范圍內不準，大躍進的城市規劃也比比皆是，只能說考慮區域而定；
大戶型比小戶型好——既然直說增值空間，40平米漲2000跟130平米漲1000比，後者自然劃算，只是接盤俠是什麼情況，需要你對戶型有所判斷；
回遷房未必不好——從投資額考慮，身邊很多人的回遷房都賣出了大價錢。又是一個量和價的比較。
投資前想定總價，投資時關注單價。對於升值空間，無非就是房價漲幅跟租金收益的考慮。
衡量性價比
勇於買房不是盲目買房，而是說在對家庭財力進行評估，確定出一個可承受價格範圍之後再去買。是要在有限的財力之下，得到既符合置業期望、又具有充分選擇空間的購房價格定位。符合置業期望的房子，需要充分衡量住宅性價比，也就是看與同檔價格住宅相比其居住及附加價值是否高。我們購套住宅，買下的並不僅僅是一套房子，還有附屬在房子上的生活環境，包括區域配套、社區環境、物業服務等等。區域配套包括有餐飲、休閑、金融、醫療、、交通等多方面，這些直接決定生活的便利度。社區環境主要包括：綠化環境、環境、社區安靜度和安全封閉性等。
避免房子空置
有經驗的房主都知道，房屋閑置的損失是大的。所以，千萬不要讓房屋空著，一般而言，一個月可接受，兩個月就是極限了。為了不讓房子空著，你既要跟中介公司搞好關系，又要跟物業公司的人打成一片。一方面，中介公司是專業的，了解不同時期的房地產行情，可以很好的協助你打理房子。而物業公司則可以很好的幫助你出租或出售自己的房子。
切忌財力分散
購房者在一個階段應只給一套房辦按揭。量力而行是「理房」的關鍵，切不可貪多嚼不爛。如果多套按揭，風險太大，很可能會面臨無法按時還「月供」的情況發生，到時損失的不僅是，還可能影響信用記錄。
⑤ 投資房產的技巧
1，清楚你有多少的預算
2，別低估隱藏成本。
3，在具潛力的地區投資
4，投資目標要實際
5，機會很重要
6，當租金無法抵過利息時，請三思
7，小戶型投資更方便。
8，知己知彼
9，投資不是賭博
10，有效地進行資產配置
投資有風險，以上的技巧建議，是由多年從事房產的資深投資者經驗所得，希望能對你有所幫助
⑥ 房產投資主要考慮哪些方面呢
買房投資主要考慮的方面有如下幾點：
(1)社會經濟因素
投資房產，即使通貨膨脹，房價也水漲船高，肯定不會讓財富貶值，相反還可能有較高的利潤空間。現代人已經不像過去那樣一大家子住在一起，而是追求夫妻的二人世界，尤其是現今處於適婚年齡的90後，對房子的需求更多，要求也更高。從這個角度看，投資房產是個不錯的選擇。
(2)行政因素
現在關於土地的相關法規法律很多，政府部門基於這些法規對土地進行的規劃和管制，對房子的價格有很大影響。如果政府對房價採取抑制的措施或者有什麼限制規定，那你投資房產就有風險了。所以在投資之前，應多看看政府的相關規定，多思考一下行政因素。
(3)個人因素
投資房產，生活會受到怎樣的影響?你能承受嗎?別把自己想要拿來致富的「金雞蛋」變成了負擔。如果資金准備還不是很充分，經濟情況並不那麼樂觀，奉勸你還是不要輕舉妄動——房產牽扯的可不是個小數目。
由此可見，是否適合投資房地產，也要根據各地各人情況來決定。
⑦ 房產投資怎麼入門
REITs 的本質是房地產，投資 REITs 就是投資房地產。房地產業務極其簡單，非常容易理解，就是買房子 收租金。 ■ 對於投資房地產來說，第一重要的是看租金能否長期持續穩定的增長？租金能長期持續穩定的增長，房地 產的內在價值就會持續穩定的增長，房價上漲是自然而然的事情。 ■ 第二重要的是看房地產的地段好不好？只有地段好，房地產才更容易長期保持很高的出租率，比如出租率 至少大於 90%。只有長期出租率高，租金收入才能長期持續穩定的增長。 ■ 第三重要的是看房地產的資產負債率高不高？資產負債率越高，代表買房借的錢越多，風險越大。當房地 產市場價格大幅下跌時，房地產的凈資產可能會小於 0，房地產持有者可能會破產。