Amsa Cikin Gaggawa
Attajirai Thailand suna janye kudadensu daga gidaje a London suna mai da hankali kan Tokyo da Niseko na Japan, saboda tsadar mallakar gida a Ingila da rashin tabbas na siyasa bayan Brexit. Amma idan aka kwatanta lambobi kai-tsaye, gidajen alfarma na Phuket sun fi Tokyo da Niseko yawan riba (ROI), kuma farashin shiga ma ya fi sauki ga duk mai son saka jari daga waje.
Wannan sabon salo na kudin Asiya, wanda ke tafiya daga London zuwa Japan, ba wani abu ne mai wucewa kawai ba. Yana nuna cewa masu hannu da shuni suna neman kasuwannin da suke da riba mai karfi, doka mai bayyana, da farashin gudanarwa mai sauki. Kuma a duk wadannan sigogi, Phuket na tsaye daidai da Tokyo, har ya fi shi a bangaren komawar riba ta hayar gidaje.
Me Ya Sa Attajirai Thai Ke Barin London?
Babban dalili shi ne tsadar kudin ci gaba da mallakar gida. Akwai karin haraji na Stamp Duty Land Tax na 2% a kan wadanda ba mazauna Ingila ba, sannan haraji na ATED na shekara-shekara akan gidaje masu tsada da ake rike su ta hannun kamfani ya fara daga £4,150 a shekara. Idan aka kara da rashin tabbas na dokoki da tsauraran manufofin biza, sha'awar zuba jari a London na raguwa a hankali.
Me Ya Ja Hankalin Attajirai Zuwa Tokyo?
Tokyo tana ba da tsarin doka mai bayyana, bukatar hayar gidaje mai karfi, da kudin Yen mara karfi wanda ke rage kudin shiga idan an auna shi da dala. Birnin kuma yana samun bunkasar ababen more rayuwa masu girma, wanda ke tallafawa ci gaban farashin gidaje.
Sakamakon binciken Real Estate Economic Institute na Japan ya nuna cewa farashin sabbin gidaje mallaka (condominium) a cikin gundumomi 23 na Tokyo ya karu da fiye da 20% tsakanin 2024 zuwa 2025, inda farashin kowace murabba'in mita a tsakiyar birnin ya wuce $15,000. Duk da haka, riba ta hayar gida a tsakiyar Tokyo ba ta wuce 3.5-4.5% a shekara ba.
Menene Niseko, Kuma Me Ya Sa Ake Kiran Ta 'Chamonix na Asiya'?
Niseko yanki ne na wasannin dusar ƙanƙara a tsibirin Hokkaido, wanda mutanen Hong Kong, Singapore, da Australia masu kudi ke kaunar zuwa. A cikin shekaru biyar da suka gabata, farashin manyan gidajen alfarma (chalet) a can ya ninka har sau biyu. Riba ta hayar gida ta kai 4-6% a lokacin kololuwar kasuwanci, amma matsalar ita ce lokacin hutu na kololuwa bai wuce watanni 4 ba (Disamba zuwa Maris). Farashin shiga kasuwar alfarma a Niseko yana farawa daga kimanin $500,000.
Ta Yaya Phuket Ta Fi Tokyo Da Niseko?
Anan ne ainihin labarin yake. Phuket na cin nasara a fannoni uku masu mahimmanci:
- Riba mafi girma: Gidajen alfarma (villa) na Phuket da ke karkashin kamfanonin gudanarwa na kwararru na samar da riba ta shekara-shekara ta kai 6-8%, idan aka kwatanta da 3.5-4.5% kawai a Tokyo.
- Tsawon lokacin hayar gida: Yayin da Niseko take da watanni 4 kacal na kololuwa, Phuket na da lokacin yawon bude ido mai tsawon watanni 8-10, wanda ke ba da kwanciyar hankali na samun kudi a duk shekara.
- Farashin shiga mai sauki: Za a iya samun gidajen mallaka (condo) masu inganci a Phuket daga $120,000-150,000, wani abu da ba za a samu a Tokyo ko Niseko ba a wannan farashin.
Kwatancen Farashi da Riba: Phuket, Tokyo, Niseko
| Kasuwa | Farashin Kowace M² (Alfarma) | Riba ta Hayar Gida (ROI) | Tsawon Lokacin Kasuwanci |
|---|---|---|---|
| Phuket | $4,000 - $7,000 | 6-8% (villa), 5-7% (condo) | Watanni 8-10 |
| Tokyo | $15,000+ (tsakiyar birni) | 3.5-4.5% | Duk shekara (bukata tayi) |
| Niseko | Ya ninka sau biyu cikin shekaru 5 | 4-6% (lokacin kololuwa) | Watanni 4 (Dis - Mar) |
Wasu Muhimman Bayanai da Ya Kamata Ku Sani
- Kudin Yen na Japan ya kasance a matakin da bai taba kai kasa haka a cikin shekaru masu yawa a kan dala a shekara 2025, abin da ke sauya wa masu zuba jari daga waje shiga kasuwa da sauki, amma yana kawo hadarin sauyin kudi (currency risk) idan aka mayar da kudin haya zuwa dala.
- Thailand na daga cikin manyan kasashe biyar na Asiya wajen jawo hankalin zuba jari kai-tsaye na kasashen waje a fannin gidaje, bisa la'akari da kimantawar kasuwa.
- Baki (foreigners) a Japan za su iya mallakar filaye da gine-gine gaba daya (freehold) ba tare da wani takura ba, sai dai haraji na sayen gida na kimanin 3-4% na darajar da aka kimanta, tare da kudin rajista.
- Phuket, kamar Japan, na daga cikin kasuwannin gidaje na yawon bude ido inda baki za su iya mallakar 'freehold title' a kan condominium, wani abu mai wuyar samu a wasu kasashe.
- Sha'awar duniya ga Phuket ba wani lamari ne na wani lokaci kadai ba: bayanan kasuwa na baya-bayan nan sun nuna cewa 62% na bukatar gidaje a Phuket na fitowa daga wajen Thailand, daga masu saka jari a kasashe 141 daban-daban, kama daga UAE, Gabas ta Tsakiya, har zuwa China.
Shin Ya Kamata Mutum Ya Bi Kudin Thai Zuwa Japan?
Ba lallai ba ne. Dalilin da ya sa attajirai Thai suke sha'awar Japan ya fi zama na kusanci na wuri da alaka ta al'adu tsakanin al'ummomin biyu. Amma ga wanda ke zuba jari daga wani sashe na duniya, Phuket na ba da tsari mafi sauki: haɗin jirage mai karfi, karuwar bukata daga masu saka jari na Gabas ta Tsakiya da China, ci gaban ababen more rayuwa a wuraren kamar Bang Tao da Laguna, da kasuwar da ba ta da wahalar shiga.
Yadda Ake Shirin Ziyarar Duba Gidaje a Phuket
Ziyarar bincike na kwana 3 zuwa 5 yawanci ya wadatar don duba manyan ci gaban gidaje. Ana ba da shawarar yin ajiyar masauki kusa da wuraren da kake sha'awar tun da wuri, sannan a shirya taro da masu gina gidaje. Watannin Nuwamba zuwa Maris su ne mafiya kyau don ziyarar wuraren, saboda a wannan lokacin duk gidajen suna a bude domin ganawa cikin sauki.
Ga kowane mai zuba jari na kasa da kasa da yake neman daidaito tsakanin karuwar darajar jari (capital appreciation) da kudin shiga na yau da kullum (cash flow), tsibirin Phuket ya kasance daya daga cikin mafi karfin dama a yankin Asiya. Kuma idan kana shirin fara wannan tafiya, kwararrun Kadarorin Thailand na nan don taimaka maka samun gida da ya dace da bukatarka.
Tushen: Bangkok Post