Denzity Insights: Immigration and Real Estate (What To Know) with Eric Lowe

Immigration and Real Estate (What To Know) with Eric Lowe

After a long career, retirees often hope to find new comfort in properties outside their country. With numerous factors that make-up the perfect retirement, it’s good to know how to get things in-order when deciding to retire abroad. We had Eric Lowe over to discuss the unique processes and expectations associated with retirement investment, and how it makes it markedly different from other forms of real estate investment. 

▶Key Discussion:

·  What a Retirement Immigration Advisor Does

·  Relocation: Step by Step and Different Cases

·  Why it is Hard to Find a Relocation-and-Immigration Consultant

▶ Connect with Eric:


▶ Source & Supporting:

Retirement Immigration: Retirement immigration basically means to have a second home after retirement in a place with comfortable and affordable living. Most people from first world countries tend to choose tropical Asian countries or the Caribbean as their retirement destination.

Globalization: Globalization is the boost in exchanges of information,

technology, goods, services, cultures and even human beings, across the world.

It simplfied the interactions between nations.

Asset Management: Asset management is the overall process of governing

an asset. It includes developing, maintaining as well as selling the asset.

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Alright, let’s get back to the transcript of the show. Enjoy!

▶ Transcript [English & Chinese]

Darren Wong: Hey, Eric, thanks for coming to the show. 

Eric Lowe:  Hey. 

Darren Wong: Yeah, so this is interesting because we met last time through a friend called Jeff. And then Jeff was like, Oh, I know someone who is a retirement immigration consultant, and then I think a lot of audiences may be interested in learning what that means. And how does that relate to real estate? So before that, would you mind telling the audience about yourself? And then what kind of work you’re working on?

Eric Lowe: Yeah, actually, I’m in retirement immigration, which, of course, is in the US, they talk about it as basically having a second home, basically retired to a place where it’s cheaper, and the weather’s nicer, and everything. So the whole thing about retirement immigration is all  about retiring, basically, how you can might have cheaper, for living and everything. So actually, I was the one who tried to find the places that suited to their needs. Because some people would like places, maybe in Asia, some people like in the Caribbean, or something like that, as you know that in America, basically, the five places of people who want to have second homes or immigration is, for example, maybe Ecuador, Panama, and Mexico and maybe Thailand are the hot places that people want to retire with a second home. So as you say, even if you live there, you don’t maybe need real estate. But basically, for people who wants to have, I want to have a roof of my top, I want to have that type of security, that would be something that we also do as well. And my background is basically finance. So basically, I fully understand that they financially they want to be not too expensive, they have enough to live on, or maybe also think about maybe retirement homes, or maybe more of in terms of medical or something like that. So these concerns will be also under consideration when they do consultation with me.

Darren Wong: I see. So our channel, Density Insight, is more about the real estate, and obviously, immigration, that kind of appetite you have, if you’re investing or renting; it really relates together. So, a lot of audiences might not understand, actually myself as well, how many different types of immigration advisor are there? And then what does a retirement immigration advisor do? And then most importantly, what’s the difference compared to them? Is there more like a marketing difference? Or there is actually the way you look at how to service your clients? Is that where it differs?

Eric Lowe: I think, in other kinds of situations, I think people would just have an idea, “oh, I want to retire to places like Hawaii, I want to retire to places like Thailand”, they already have a place to have in mind and basically just facilitate the people, maybe buying property, maybe just establish themselves there or maybe opening account or maybe having a company there to run something. So these are other people already have ideas of, whereas my job is basically to tell them, for example, I have no idea where I want to go. A budget is a certain example, so maybe like under $2 million, if it is enough for me to go on with something, so I will be the person to maybe sit down with them and talk over what they have concerns about, because I have a financial background. So I know exactly the financial part, can you buy apartment there, or you rent, which is cheaper, which is more expensive. So these are the things that we can go through with them, you know, so basically, it’s a bit different than people just have an idea, like exactly why they go to a certain place, because there’s some things, so we are much open to have different places for them to consider. And of course, you go because of globalization, the world is your oyster. So, these are the things that would be more of their own desires, rather than just say to some give them a kind of a kind of Crash Course, “Oh, you don’t have to go somewhere”, and not to give them a chance to really think about what suits them the most.

Darren Wong:  I see, so how we describe the relationship between retirement immigration, and real estate?

Eric Lowe: Retirement immigration is more of a sense of living. Because the retirement is talking about, like different types of funds or if you have an annuity, or maybe you’re talking about different things. Real estate is only one part of the equation. It could be maybe I did buy some places, maybe you have a rental income, or maybe just a place I live or something like that. So it’s only one part of maybe a five step situation in the retirement immigration.

Darren Wong: I see. So obviously, the most important  thing that I’m going to ask is about the behavior. Because you’re in finance backgrounds, I’m sure when you are doing your work, you can think about what different  investors have different appetites. So in this case, how do retirees or let’s say like elderly that tend to be retirees a different compare to other demographics when it comes to real estate investing and renting? And then, I’m sure thinking about in my head, elderly, for example, with desire buildings that would suit their needs, and then the neighborhoods really matter to them if they are self-use. So would you mind paint a better picture or detailed picture for the audience?

Eric Lowe:  I think the similarities between, for example, investing in immigration, or we’re talking about real estate, so I think both of the things that we are talking about maybe is because of rental income, or how much you can make out of it, the real estate, so that’s very similar. But if you are thinking about living there in that place, of course, you’re just talking about “Is there maybe a hospital nearby? Is there any other things, do I have to go far away to take a bus or something?” those would be other things that they concerned about. So I think that in terms of returns, it’s very similar, but in terms of living there in the community, and everything, those would be very different if they’re thinking about using the property for their own.

Darren Wong:  I see. So let’s say for example in my head,  is it different, how do you how to explain it? Like, how would they think about differently? Because obviously, for example, if I’m a younger man, I’ll think about long term like, okay, maybe I just want to start a family, maybe I will think about relocation there 5 to 10 years from now. And obviously, retirees are very different, maybe they make a lot of money, during retirement, they want to get away with their kids who wasn’t working, and they’re older. When you suggest them about different type of real estates, or such as “hey, where they should live,” do you factor that in, and does it really matter that much, because it sounds like even in the return perspective, it’s not that much difference?

Eric Lowe: Well, depends. For example, if you’re a younger person, you don’t have enough money, basically, if you buy a property, most likely you have a mortgage or something like that, even in a foreign country. So maybe that part of your income will go into factoring in that foreign  investment in property. Whereas for people who have retired, maybe they have like expendable property or money, so they can just buy it at a glance, so they don’t need to think about “Oh, I just have a mortgage for us to think about, maybe 3 or 4 years until it’s going to be mine”. It could be yourself, having that property maybe tomorrow or something like that. And also, when retired people think about, basically, they don’t have to think about their kids, as you put it, maybe the kids they have their own life and everything. So thinking about maybe my own life, for example, maybe go to Hawaii or something having gone for finanical freedom for retirees, when they consider this thing, rather than to say that you are 30-year-old, you have to think of your kids, and you have the thing about your own retirement, it’s actually in the back of your mind, because you have to get your kids to college first. So that’s a very different mentality.

Darren Wong: So what’s the trends in terms of retirement immigration and relocation, because we’re from Hong Kong, I’m sure you’re more familiar with the area? And then what are things that they should be aware of, if they are the audiences that listen to this whole video at the moment?

Eric Lowe: I think the point is that if you’re thinking about the place, that’s fine. But if you’re buying a property from abroad, basically make sure that the developers are reputable, because there are a lot of sob stories of people all investing in developing countries, maybe Vietnam, maybe Laos or something, they think, oh, is a great place to retire or a great place to have a place. But you don’t know the developers, they might disappear after investing. So buying property from abroad, basically, is the risk. So you have to know people developing it and everything. So I think that was the most important thing when you think about buying foreign property, I think that’s like 101 for even if you are a 30-year-old, or you are retired person. But of course, with a retired person, you don’t have enough money, basically, to have. For a younger person, if they lost it all, they can make it again, or something like that. So that part, you have to think carefully when you make a decision.

Darren Wong:  I see. So just now you mentioned Vietnam and Laos, right? Are those regions kind of popular right now? What kind of region is there right now, a lot of people are thinking about relocation towards it?

Eric Lowe: I think that’s for people actually living there, I think it would be places like Thailand, or Malaysia, Taiwan, Panama, or these other places, which of course is warmer, it’s cheaper and these are the things that people can think about living. For example, Taiwan, because it speaks Chinese and everything, of course the food is very similar, and the calligraphy is the same. And Thailand, basically people like Thai food or something. So if you think about living there, you have to make sure that you have to live a life, it will be comparable for you. It’s not like living in the Middle East or living in Africa, it’s a totally different thing, even though maybe cheaper, but people will consider that because of the huge cultural gap.

Darren Wong: I see. So actually, would you mind do this exercise with me because I want to know, let’s say for example, if one day, 20, 30 years down the line, if I ever need someone like you to help me out with it, how’s the journey like? Would you mind  walking me through the journey?

Eric Lowe: How’s the journey like?

Darren Wong: So let’s say, I come find you and say, “hey Eric, I heard about you. I’m interested in retiring somewhere else, and I really want to move somewhere else.” How would the covision be like?

Eric Lowe: I think that because as you know that I’m basically an asset management person. So the thing that group in particular, for example, what kind of place you like, how much budget you have? And basically, do you have any constraints about places that you  miss the person, or you? Because I think these are very important, whether or not you have enough money, whether or not you’d like a third place or have a preference, because if you like Thailand, or you don’t like places like maybe the Bahamas. I can push Bahamas till the cows come home, and it doesn’t make a difference, because you already have something, “Oh, I like Southeast Asia” or something like that. So I’ll be basically working with you, not trying to push something into you. I think that’s the difference between a consultant and someone who just sells these things. Because like, hey, I just have all these things in my palette, so I just sell  them to you, rather than to listen to what you want, and basically work with you to achieve your goal, which of course, I think is the most important.

Darren Wong: I see. So let’s say, for example, okay you have suggestions of where I should go, where should I live and, what sounds like a good idea, so what’s the next step for how you would help me? Because I want to see the whole scope of what kind of things that you will help me and, for example, if I go to a place that I am not familiar at all, what is something that you help me to understand it? Or how you help me settle into the location? Is that part of the scope as well for a consultant like yourself?

Eric Lowe: I think so. I sort of encourage people to go to that place to visit at least, because if you’re thinking about living there long term,  it doesn’t make any point to just, oh, I want to go there tomorrow, I’ve never been there before. I think that people made a very bad mistake in the 80s, everyone want to go to Canada, they like Canada, they like the stuff, but when they got there, oh my god, there’s so much snow, it’s so cold, I cannot find work, and everything comes out. So they  have to, sell their place, come back, and everything was a fiasco. So I think I would say to people, hey, maybe you can go there together and look at the place and see if you like  it. If you like it, we can think about buying a place and doing the paperwork and everything start doing from that side. Because if you don’t feel right, you can just do all the work, and then you don’t want to go eventually. So seeing is believing is very true.

Darren Wong: I see. So does that mean that you also help them suggest what kind of property they should invest? Or what area they should go to? Or, I wouldn’t say replacing the real estate agent role, but you kind of have the elements, kind of like a filter in a certain way, am I correct?

Eric Lowe: Yeah, exactly. For example, we have placed people on the ground, maybe in places like Thailand or something. So I can tell you there are actually people who immigrated from Hong Kong to Thailand. So they can tell you, oh, these are the things that I went through. And basically, I don’t want you to go through it and basically all this kind of food, places to buy stuff. So basically, you have to walk through it with the person to make sure that’s what they wanted. And then after they experienced that, and they were like, okay, let’s do it. If they did, oh my god, I just found out that I don’t like it. So basically, that’s the thing to stop because I think it’s important that for the people to really know the place. Because living there, especially if you are retiree, you don’t have a lot of choices, basically you sell your place, you come here and then found out that you made the wrong decision, I think that’s a disaster by itself. So I think as a consultant, you want to make sure that they see what they want, and basically not to have any regrets when it goes through it. Basically, I think, a tour, for example, to go there to see the property and also to see the lifestyle there is important because you need to experience it. It’s not  like that’s not responsible, that’s into the whole work. This will be too disingenuous for me, at least.

Darren Wong: I see. So as a consultant yourself, helping people to immigrate somewhere else, like relocation and so on, I guess that you also cover helping them to apply for visa or apply permanent status, and obviously, there’s some countries would require you to have a certain asset or invest in certain amount, am I correct? So what are those places are?  Because I want to give the audience a better idea, obviously, I did some homework before that. And I want to know that because that’s a key point. A lot of people say, hey, I want to invest in this location because I get a visa easier. So can you give me some examples of what countries and about how much they would need, and what kind of criteria of different locations that’s kind of popular at the moment?

Eric Lowe: So I’ll just tell you the two most popular locations from the Hong Kong point of view at this time. I think, either it’s Taiwan and Thailand. Taiwan is because, of course, we speak the same language and the same calligraphy, and the food is  similar. And basically, it’s like easy to immigrate there. And after that, basically, you just have to invest in the business and go through the paperwork and stuff. So basically, if you have $2 million, basically, you are sort of like, okay, we can sort of like do that, basically, that goes to the point.

Darren Wong: But 2 million, you mean US dollars or Hong Kong dollars we’re talking about?

Eric Lowe: Hong Kong dollars. 1.5 million plus another maybe half a million just to make sure you have a place to live and everything. So this is the money you need to put aside for that. So that’s the budget.

Darren Wong: So does that mean that you have to have the amount in your bank account or you have to invest in assets in Taiwan or the companies?

Eric Lowe: The 1.5 million, you need to invest for three years, so that budget is a no brainer. But of course, if you want to buy a place in Taiwan, that’s extra, that’s not needed. If you need to stay there for one year, you can rent or something, there are lots of different options. For example, this is for the Taiwan investment immigration. Like,  for example, another case will be Thailand, which of course they don’t have immigration to a certain extent, but they have the golden visa, basically, of course, just put HKD1 million into a bank account, and you can stay there for 10 years. So staying there for 10 years means that of course, you have to rent a place at least, but buying a place will be optional. So this is the kind of thing that we do because the budget is very similar, very clear to the person who is interested, whether or not they want to buy a luxury flat in Chiang Mai that’s their choice, or maybe just buy a little flat in Bangkok, just to make sure that you’re close to shopping or something. That’s their kind of situation as well.

Darren Wong:  I see. I think I have interviewed two Malaysian experts. And then they have mentioned something called MM2H, it’s like a scheme. Are you familiar with that?

Eric Lowe: Yeah, actually, it’s very similar to the Taiwan thing, but unfortunately, I just heard about two days ago, the Malaysian government to stop everything. So it’s very interesting. That’s why I don’t like Malaysia, because it’s a Muslim country, and also the money cannot go in and out, the ringgit is not very transfer up. Or I feel is a bit confined. So, I don’t want to do it.

Darren Wong: Oh that’s cool. Everyone’s different that way. And this show is about that, the show is about, you want to understand real estate investing, what’s for you, what’s not for you is totally up to this. And obviously, this show was meant to cover everything as much as possible to help people. So I want to look  into, because while talking to you before preparing for it, I’m very interested in the retirees and elderly mindset, not saying that all your clientele is going to be older people, it might be younger that retired. Hopefully, I’ll become that one day, entire soon. So let’s say for example, what are things that, if it is an elderly for example in the situation, what do they think a lot more when it comes to amenities? And what are kind of things that they worry about when moving? That’s maybe a younger generation, like myself, might not think about?

Eric Lowe: I think it’s all about: would they find friends? Or would they be happy? Or the living standard is going to be expensive? Or for example, for older people, they might need to have a maid or something to help them work or something, and of course, the transportation is something that needs to be confirmed. So basically, these are the worries they have moving to a new country because Hong Kong was  so easy to really move around. Then you go to Thailand, of course compared to Bangkok, Bangkok is actually very easy because with the sky  train or something, everything is very nice. But when you go to places like Chiang Mai, you might have to have a car or something. So these things are something that maybe for some people would be like, Oh, I need to get a car, or maybe get a driver or something like that. So really depends on these things, but of course, these are the things that they will worry the most or if they  have long term health problems, they will think, “is there a hospital nearby?” because they worry at places like in Bangkok, because the traffic is so damn bad, so that if you have an accident or something, maybe you would die on the way to the ambulance or something. That was a running joke about that. So basically, they want to live closer to a hospital or a clinic, so that they are able to use the facilities much easier. So that is another thing that is being asked a lot about.

Darren Wong:  I see. So even in my head right now is that even if, let’s say for example, and obviously I’m looking at real estate perspective, you think about each location, where’s the closest amenities in  the community aspect, is your mall nearby, is there a food court nearby? And it’s just hospital nearby? So it will tend to be in the middle of the city area. Am I correct?

Eric Lowe: Or close to? Yeah, if you have to travel and that basically maybe it’s just like car five minutes or something? Close you are or something like that?

Darren Wong: I see. So yeah, I think it’s just one question that it’s always been in my head. I don’t really come by a lot immigration advisor or consultants, what’s the reason behind it? And obviously, it’s a personal question. Because, for me, for example, it took me so long to find someone like you and your background, which is I’m very honest, it’s very rare for me, and then in the industry, I never know where to find them. Is there a way to easily access these kind of information or find someone like yourself for the kind of services?

Eric Lowe: I think that because I was in the finance field, and because I was in sales, it comes rather natural, because we do a lot of different types of stuff, maybe not only just stocks or bonds or something, but also other things, maybe our investment like  property. So actually, immigration is just another step on the story. Because a lot of people are actually very one-track minded. So you see a lot of things like ads about going to Taiwan, going into Malaysia, going to Portugal, it seems easy to put things in the boxes, whereas we are basically  more or less like a consultant to be able to go through it, like a kind of a private banker mentality, so that I can do what for you, rather than just say, Portugal is great. I just saw your Portugal, I’ll tell you all about Portugal, because I’m all about Portugal. I’m all about Taiwan or Thailand. And then basically that’s it. That’s the story. So of course, it’s much easier to do one story than five or six stories.

Darren Wong: I see. Yeah, it seems like that’s something that the audience should take notes because a lot of time is that there are some people and some, obviously, in the role, they have to sell really hard on that one product they have on their hands, whereby it’s a lot more important to take a step back for you to see different options and say, maybe this  location is not the only option. And then we’ll just come to something that I think the audience might want to know more: how we suggest to audiences learn more about the subjects? What are some sources besides reaching out to you that they can read more and learn further?

Eric Lowe: I think that there is so much information out there, any kind of subject you can find it. You can Google it, it’s everywhere.

Darren Wong: Yes. Okay, we have we Yeah, yeah, we just cut out that part. Don’t worry about that. Yeah. Okay. Yeah. So sorry, just now let because like,  yes, that’s my way of telling the biographer that, you know, he cut out that part. But I still keep going. Like, the question is that, you know, how you suggest the audience to learn more about the subject, and what are some sources and you know, they can read, and then further beside reach out to you. 

Eric Lowe: Yeah, what I just said was, there’s so much information out there which, of course, is  in the social media or newspapers, and that’s not a lack of information, maybe there’s too much information to go through. So basically, if you want to find something that you want, basically have to go through, sift through all the information, because everybody has part of the solution, but not the full solution. And then you have to go through that for me, to help the person basically, I can sort of find what you want, and try to find whatever aspect that they have currently and suit your needs. So that’s a different more of like make it for yourself in that situation, rather than to go through one size fits all, like go to a shoe shop, they don’t have a size, so basically, if you put a smaller size or put a pad on it or something like that. So it’s actually the very same thing, it’s very difficult to find exactly what you want.

Darren Wong: About the whole data, like the information all over the place, I think that’s what Denzity’s for, right? So yeah. I think there are a lot more questions. And  honestly if the audience have any comments and questions, I can always refer to you. And then just lastly, what kind of takeaway would you want the audience to have by the end of this video?

Eric Lowe: I hope that the audience after they see this video, they think that they have choices, I think the most important thing, people will just think that whatever the outside world gives you, you have to do Panama, you have to do Portugal or whatever the places, it’s just that they’re serving that. But the point is that if you want something, you can also do some research for it, and also to find someone like me that can find exactly what you want for you. I think that’s very important, because the power is in the course, with someone like me, basically it would be easier than just skips through all the established information, and to find something that really like. So basically, it’s a process.

Darren Wong: I see,  I think that’s a good way to end the show. And then if the audience want to reach out to you to learn more about you, what are some methods that you suggest them to find you?

Eric Lowe: Basically, actually I’m on LinkedIn, so that they can find me there, it’s under Eric Lowe. Basically, you can find it over there. Or I can leave my phone number or something like that if they want

.Darren Wong: Yeah, I can put everything in the show notes. And I just want to say thanks for your time. And I think even though retirement immigration in real estate, it’s obviously not a very hard tie correlation. But there are related together hands to hands, because in my head there are times that I had to relocate, not retire, but relocate, and then the question will be like, Oh, my God, where should I live there? Where should I go? what’s around me? Are there things that I’m familiar with? I think that’s kind of tied to my memory back in high school when I go to Vancouver, and then my first comment my dad said was, “Hey, how far is a Chinese food restaurant away from school?” And I’m just like, “all right, that’s a very important one”. And obviously, this is very small thing back then. But now think of is, that’s something that if you are moving far away, don’t just rely on Google Map, you should really rely on having someone like yourself, know what’s going on, at least or even go to the place first and  figure out if that’s the place for you. So and I just want to say, Eric, thanks for your time, and I really appreciate it and I hope that you’ll come back next time if you can.

Eric Lowe:  Okay, no problem. Having a good time. 

Darren Wong: Yeah, thank you and have a good one.

Eric Lowe: You too. Have a good day.

Darren Wong: You too. Bye.

Darren Wong: 嘿,Eric,謝謝你來到我們的節目。

Eric Lowe:嘿。

Darren Wong: 是的,這很有趣,因為我們上次是通過一個叫Jeff的朋友認識的。然後Jeff說,哦,我認識一個退休移民顧問,我想很多觀眾可能會有興趣瞭解這個工作。而這和房地產有什麼關係?所以在我們進一步討論之前,你能向觀眾介紹你自己嗎?以及你在做什麼工作?

Eric Lowe:是的,實際上,我的工作和退休移民有關,當然,在美國,他們說這基本上就是擁有第二個家,基本上退休到一個更便宜、天氣更好的地方,以及更好的其他一切。所以關於退休移民基本上關於退休,基本上,關於你如何找到更便宜的地方,在日常生活和其他一切開支。所以實際上,我是那個試圖找到適合他們需要的地方的人。因為有些人喜歡一些地方,可能是亞洲,有些人喜歡加勒比海,或者類似的地方,你知道在美國,基本上,五個人們想要建立第二個家或移民到的地方是,例如,厄瓜多、巴拿馬、墨西哥和泰國可能是人們希望退休後能有第二個家的熱門地方。所以正如你所說,即使你住在那裡,你也不需要房地產。但基本上,對於那些想要的人,我想要自己的房子,我想要那種安全感,那就是我們的工作的一部分。我的背景基本上是金融。所以基本上,我完全理解他們在經濟上不想有太大開支,他們有足够的生活費,或者他們會考慮一下養老院,或者更多的醫療開支或者類似的事情。因此,他們亦會在與我的諮詢中討論這些顧慮。

Darren Wong:我明白了。所以我們的頻道,更多的是關於房地產,以及很明顯,移民,如果你在投資或租房,你會有這種野心;這真的是聯系在一起的。所以,很多觀眾可能不明白,實際上我自己也不明白,實際上有很多不同類型的移民顧問嗎?那麼退休移民顧問是做什麼的呢?然後最重要的是,他們相比之下有甚麼分別?這更像是行銷上的差別嗎?或是說在服務客戶上的方法的差別?是在這方面有分別嗎?

Eric Lowe:我想,在其他情况下,人們會有一個想法,“哦,我想退休到像夏威夷,我想退休到像泰國這樣的地方”,他們已經有了一個想到的地方,基本上只是需要協助他們,也許購買房產,也許只是在那裡安家落戶或者開個帳戶,或者在那裡開一家公司。所以這些人已經有了想法,而我的工作基本上是告訴他們,例如,另一些人可能不知道想去哪裡。一個很好的例子他們的預算,所以預算可能不到200萬美元,而他們想知道自己的預算是否足够,那麼我可能會是那個坐下來跟他們談談他們的顧慮的人,因為我有金融方面的背景。所以我很清楚財務方面的問題,你能在那裡買房子嗎,還是租房,哪種更便宜,哪種更貴。所以這些是我們可以和他們一起計劃的事情,你知道,所以基本上,這和已經有目標的人有點不同,比如他們為什麼要去某個地方,為了某些特別的原因,所以我們非常開放,可以有不同的地方讓他們考慮。當然,因為全球化,世界就是你的牡蠣,你可以去任何你想去的地方。所以,這更多的是關於他們自己的意願,而不是只給他們一個速成班,只告訴他們“哦,你不必去這個地方”,而不給他們一個機會去思考什麼才是最適合他們的。

Darren Wong:我明白了,那麼我們如何描述退休移民和房地產之間的關係?

Eric Lowe:退休移民更多的是一種生活模式。因為退休是在談論不同類型的基金或者有年金,或者你在談論不同的事情。房地產只是其中的一部分。可能是吧我確實買了一些房產,也許你有租金收入,或者只是我住的地方之類的。所以這大概只是退休移民要準備的五分之一。

Darren Wong:我明白了。很明顯,我要問的最重要的是人們的做法。因為你有金融背景,我敢肯定當你在工作時,你可以考慮有什麼不同投資者的目標會有所不同。那麼,在這種情況下,退休人士或踏入退休年紀的老年人,與其他年齡層比較之下,在涉及房地產投資和租賃的方面有甚麼不同?然後,我在想,比如說老年人,有滿足他們需求的理想中的房產,如果他們是自用的,那麼社區的配套對他們來說真的很重要。那麼你能不能給觀眾講述一下更好的或者更詳細的情況?

Eric Lowe:我認為,談論投資移民或房地產的時候,所以我認為我們談論的兩件事都是與租金收入有關,或者你能從房地產中獲利多少,所以這兩件事非常相似。但是如果你想住在那裡,當然,你只是在說“附近有醫院嗎?還有別的事嗎?我得去很遠的地方坐巴士嗎?”那是他們關心的其他事情。所以我認為在回報方面,這是非常相似的,但是住在社區裏,以及所有的事情,如果他們想把房子用於自己的話,那就十分不一樣了。

Darren Wong:我明白了。比如說在我自己想像的例子裡,它們有什麼不同嗎,你怎麼解釋?比如,他們會有什麼不同的想法?因為顯然,例如,如果我是一個年輕人,我會考慮長期的問題,比如,好吧,也許我只是想組建一個家庭,也許我會考慮在5到10年後搬遷。很明顯,退休的人很不一樣,也許他們賺了很多錢,在退休期間,他們想和沒有工作的孩子們一起生活,他們長大了。當你向他們建議不同類型的房地產,或是說“嘿,他們應該住在哪裡”,你是否考慮到了這一點,這真的那麼重要嗎,因為即使從回報的角度來看,這也沒什麼區別?

Eric Lowe:好吧,要看情况。例如,如果你是一個年輕人,你沒有足夠的錢,基本上,如果你購買房產,很可能你有抵押貸款或類似的東西,即使是在國外。所以也許你的那部分收入會被用於國外的房地產投資。而對於已經退休的人來說,也許他們有自己喜歡的消耗品或金錢,所以他們可以直接地購買,所以他們不需要考慮“哦,我只是有一個抵押貸款要我們考慮,也許要等3到4年,它才成為我的”。那座物業可能是你自己的,也許就在明天或者差不多的日子。而且,當退休的人想到,基本上,他們不必考慮他們的孩子,正如你所說,也許孩子們他們有自己的生活和一切所需。這麼想例如,關於我自己的生活,也許我是一個想去夏威夷或者去追求金融自由的退休人員,當他們考慮到這個問題時,但如果說你已經30歲了,你還得考慮你的孩子,你還得考慮你自己將來的退休生活,實際上是在你的計劃之後,因為你必須先讓你的孩子上大學。所以這是一種非常不同的心態。

Darren Wong: 那麼退休移民和搬遷的趨勢是什麼,因為我們是香港人,我相信你對這個地區比較熟悉?然後有甚麼事情觀眾們需要特別注意,如果他們是在這一刻收看我們的節目?

Eric Lowe:我認為關鍵是如果你在考慮一個地方,那沒有太大的關係。但如果你是在國外購買房產,基本上要確保開發商很有名氣,因為有很多人都在發展中國家投資,可能是越南,也可能是老撾什麼的,他們認為,哦,是個好地方退休或者是個好地方。但你不瞭解開發人員,他們可能會在投資後消失。所以從國外購買房產,基本上要考慮的是風險。所以你必須瞭解開發它的人和一切。所以我認為這是最重要的事情,當你考慮購買外國房產,我認為這就像101,即使你是一個30歲的人,或者你是一個退休人士。但當然,對於一個退休的人來說,基本上你沒有足够的錢。對於年輕人來說,如果他們失去了所有的錢他們可以再把錢賺回來,或者類似的事情。所以這一部分,你在做决定時必須仔細考慮。

Darren Wong: 我明白了。剛才你提到越南和老撾,對嗎?這些地區現在比較熱門嗎?人們現在大多都在考慮搬遷到哪些地方去?

Eric Lowe:我想這是為準備實際上住在那裡的人們的選擇,我想應該是像泰國、馬來西亞、臺灣、巴拿馬之類的地方其他地方,當然更暖和,更便宜,這些都是人們可以考慮的生活因素。比如臺灣,因為台灣人說中文和其他語言,當然食物很相似,文字也一樣。泰國,基本上人們喜歡泰國菜什麼的。所以如果你想住在那裡,你必須確定你過的那種生活,這對你來說是可比的。這不像生活在中東或非洲,這是完全不同的事情,儘管可能更便宜,但是人們會因為巨大的文化差異而考慮到這一點。

Darren Wong: 我明白了。所以實際上,你能否和我一起模擬一個情況,因為我想知道,比方說例如,如果有一天,20年,30年後,如果我需要像你這樣的人來幫我解决問題,旅行怎麼樣?你介意嗎跟我討論一下整個過程嗎?

Eric Lowe:整個過程怎麼樣?

Darren Wong: 所以我來找你,然後說,“嘿,Eric,我聽說過你。我退休後,我真的很想搬到別的地方去。“我們的合作過程會是怎樣的?

Eric Lowe:我認為這是因為你知道我基本上是一種資產管理人員。比如說,你喜歡什麼樣的地方,你有多少預算?基本上,你對你所到的地方有什麼限制嗎,你想念某些人,還是你?因為我認為這些都是非常重要的,無論你是否有足够的錢,無論你是否想要第三個家或者有個人的喜好,因為如果你喜歡泰國,或者你不喜歡像巴哈馬這樣的地方。我可以一天到晚推薦巴哈馬,但這不會有什麼不同,因為你已經有了一些自己的主見,“哦,我喜歡東南亞”之類的東西。所以我基本上會和你一起合作,而不是試圖把什麼主意推到你身上。


Darren Wong: 我明白了。比如說,好吧,你有關於我應該去哪裡,我應該住在哪裡,什麼聽起來是個好主意的建議,那麼下一步你將如何幫助我?因為我想看看什麼樣的範圍的東西是你會幫助我的,例如,如果我去一個我根本不熟悉的地方,你能幫助我理解或處理什麼事情?或者你是怎麼幫我安頓下來的?對於像你這樣的顧問來說,這也是工作範圍的一部分嗎?

Eric Lowe:我想是的。我鼓勵人們至少去那個地方看看,因為如果你想長期住在那裡,如果你只是想一想,哦,我想明天去那裡,我以前從未去過那裡,這實在不太合理。我認為人們在80年代犯了一個非常嚴重的錯誤,每個人都想去加拿大,他們喜歡加拿大,他們喜歡那裡的東西,但是當他們到了那裡,天哪,雪這麼多,太冷了,我找不到工作,所有的問題都出來了。所以他們不得不賣掉他們的房子,然後回來,一切都是慘敗。所以我想我會對人們說,嘿,也許你們可以一起去看看那個地方,看看你們是否喜歡它。如果你喜歡的話,我們可以考慮買個地方,做些文書工作,一切都從那邊開始。因為如果你覺得不對,你可以做完所有的準備工作,然後最終你並不想去那裡。所以始終要憑眼見為實是真的。

Darren Wong: 我明白了。那麼這是否意味著你也可以幫助他們建議他們應該投資什麼樣的財產?或者他們應該去什麼地方?或者,我不會說你取代房地產經紀人的角色,但你的工作有這些元素,在某種程度上像一個篩檢程式,對嗎?

Eric Lowe:沒錯。例如,我們把人安置在一個新環境,可能是在泰國之類的地方。所以我可以告訴你,實際上有人從香港移民到泰國。所以他們可以告訴你,哦,這些都是他們經歷過的。基本上,他們想讓你能夠避免一些錯誤,以及告訴你基本上所有買食物,買東西的地方。所以基本上,你必須和人們一起討論整個過程過來確保他們想要的是這個。然後在他們經歷了這些之後,他們會說,好吧,我們開始吧。如果他們這麼做了,天哪,我才發現我不喜歡。所以基本上,這是必須停止的,因為我認為人們必須真的很瞭解這個地方。因為住在那裡,尤其是退休後,你沒有太多選擇,基本上你賣掉了你的房子,你來到這裡,然後發現你做錯了决定,我認為這本身就是一場災難。所以我認為作為一名顧問,你要確保他們看到了他們想要的,並且基本上在真正移民的時候不會有任何遺憾。基本上,我認為,一次旅遊,例如,去那裡看房子,也看看那裡的生活方式是很重要的,因為你需要體驗它。不然的話就好像不太負責任,這是整個工作的一部分。這至少對我來說太不真誠了。

Darren Wong: 我明白了。所以作為一個顧問,幫助人們移民到其他地方,比如搬遷等等,我想你還包括幫助他們申請簽證或申請永久居留身分,顯然,有一些國家會要求你擁有一定的資產或投資一定的金額,對嗎?那些地方是什麼?因為我想給觀眾一個更好的想法,顯然,我之前做了一些功課。我想知道這一點,因為這是一個關鍵點。很多人說,嘿,我想在這個地方投資因為我更容易拿到簽證。所以你能給我舉個例子,告訴我哪些國家,他們需要多少,不同地區的標準是什麼特別是最近比較熱門的?

Eric Lowe: 那麼我現在就從香港的角度告訴你兩個最受歡迎的地方。我想,要麼是臺灣,要麼是泰國。臺灣是因為,當然,我們講同一種語言,用同一種文字,而食物也很類似。基本上,移民到那裡比較容易。在那之後,基本上,你只需要在生意上投資,完成文書工作。所以基本上,如果你有200萬元,基本上,你有點像,好吧,我們可以這樣做,基本上,這就是重點。

Darren Wong: 但是2百萬,你是說美元還是港幣?

Eric Lowe: 港幣。150萬再加上50萬只是為了確保你有地方住,以及其他一切必需品。所以這是你需要存下來的錢。這就是預算。

Darren Wong: 那麼這是否意味著你必須要有這個金額存在你的銀行帳戶上,還是要投資臺灣或公司的資產?

Eric Lowe: 那150萬,你需要投資三年左右,所以一定要做預算。當然,如果你想在臺灣買房子,那是額外的,那並不是必須的。如果你需要的話在那裡住一年,你可以租房或其他什麼,有很多不同的選擇。比如說臺灣的投資移民。就像,例如,另一個例子是泰國,他們當然在一定程度上沒有移民,但是他們有黃金簽證,基本上,當然,只要把100萬港幣存入銀行帳戶,你呢可以在那裡呆10年。所以在那裡住10年意味著,你至少要租一個地方,但買一個地方也是一個選擇。所以我們之所以這麼做,是因為預算非常相似,對感興趣的人來說非常清楚,無論他們是否想在清邁買一套豪華公寓,這是他們的選擇,還是乾脆在曼谷買一套小公寓,只是為了確保你離購物中心很近或者什麼的。那是他們的情况,也差不多。

Darren Wong: 我明白了。其實已經採訪了兩位馬來西亞專家。然後他們提到了一個叫做MM2H的東西,就像一個計畫。你對這個計劃你熟悉嗎?

Eric Lowe:是的,其實,這和臺灣的事情很相似,但是很不幸,我剛聽說兩天前,馬來西亞政府要停止一切。所以很有趣。這就是我不喜歡馬來西亞的原因,因為它是一個穆斯林國家,而且錢不能進出,林吉特不是很容易轉移上去的。或者我覺得有點受限。所以,我不想這麼做。

Darren Wong: 哦,這太酷了。每個人都不一樣。這個節目就是關於這個,你想瞭解房地產投資,對你來說適不適合你完全取決於你個人。很明顯,這個節目的目的是盡可能多的報導所有的事情來幫助人們。所以我想看看因為在準備之前和你交談時,我對退休人士和老年人的心態非常感興趣,我並不是說你的所有客戶都是老年人,有些比較年輕的人可能也會退休。希望有一天,我會成為那樣,很快。所以我們說例如,如果是老年人,他們在便利設施方面會有什麼想法?還有什麼他們在搬家時會擔心什麼?這也許是像我這樣的年輕一代可能不會去想的?

Eric Lowe:我想這都是關於:他們會找朋友嗎?或者他們會高興嗎?或者生活開支會很貴?或者說,對於老年人來說,他們可能需要一個女傭或其他什麼來幫助他們工作什麼的,當然,運輸是需要確認的。所以基本上,這些都是他們搬到一個新國家的擔心,因為在香港到處走動真的很容易。那麼你去泰國,當然和曼谷相比,曼谷其實很容易,因為有了Sky Train什麼的,一切都很好。如果你想去清邁或者其他地方,你可能不得不買一輛車。所以有些人可能會認為,噢我需要一輛車,或是一個司機之類的。所以真的取決於這些事情,但當然,這些是他們最擔心的事情,或者如果他們有長期的健康問題,他們會想,“附近有醫院嗎?”因為他們擔心像曼谷這樣的地方,因為交通太糟糕了,所以如果你出了意外或者其他什麼事,也許你會在去救護車的路上死去。關於那件事,那是個人們常開的玩笑。所以基本上,他們想要住在離醫院或診所較近的地方,讓他們能夠更方便地使用設施。所以這是另一個經常被問到的問題。

Darren Wong: 我明白了。所以,即使我現在的想法是,比如說,很明顯,我是從房地產的角度來看的,你會想到每一個地方,最靠近的便利設施在社區的哪裡,您在購物中心附近嗎,附近有美食廣場嗎?就在附近的醫院嗎?所以它在市區的中心。我說的對嗎?

Eric Lowe:或者接近?是的,如果你要走動的話這基本上可能就像汽車5分鐘或什麼的?很接近你還是怎樣?

Darren Wong: 我明白了。是的,我想這只是一個一直在我的腦海裏的問題。我知道的移民顧問或專家不多,背後的原因是什麼?顯然,這是個私人問題。因為,對我來說,我花了很長時間才找到像你這樣的人和你的背景,對此我非常誠實對我來說很少見,但是在這個行業裏,我永遠不知道在哪裡可以找到它們。有沒有一種方法可以方便地獲取這些資訊或者找個像你這樣的人來做這種服務?

Eric Lowe: 我認為,因為我在金融領域,而且因為我在銷售領域,所以這個工作來得很自然,因為我們做很多不同類型的事情,可能不僅僅是股票或債券之類的,還有其他的事情,比如我們的投資財產。所以實際上,移民只是故事的其中一步。因為很多人其實都是一心一意的。所以你呢看到很多關於去臺灣、去馬來西亞、去葡萄牙的廣告,似乎很容易把這些工作規範起來,而我們基本上是這樣或多或少像是一個顧問,能够通過它,就像一種私人銀行家的心態,這樣我就能做到對你來說,不是說葡萄牙很棒。我剛剛看到你對葡萄牙的興趣,我會告訴你關於葡萄牙的一切,因為我說的是關於葡萄牙的。我也會關心臺灣或者泰國。基本上就是這樣。這就是我的工作。所以,當然,做一個個案要比做五六個容易得多。

Darren Wong: 我明白了。是的,這似乎是觀眾應該記下來的,因為很多時候,有些人,顯然,在這個角色中,他們必須非常賣力地推銷他們手頭上有一種產品,因此其實退後一步讓你看到不同的選擇十分重要,然後說,也許這是更重要的,也許這個地點不是唯一的選擇。然後我們將討論一些我認為觀眾可能想知道更多的東西:我們如何建議觀眾瞭解更多關於這個話題?除了接觸你之外,還有哪些資源可以讓他們閱讀更多,學習更多?

Eric Lowe:我認為有太多的資訊,有很多資料和專題你都可以找到。你可以用Google搜索,它無處不在。

Darren Wong: 是的。好吧,我們有了是的,是的,我們把那部分删掉了。別擔心這個。是啊。可以。是啊。很抱歉,剛才因為,是的,這是我告訴作者的提議,你知道,他删掉了那部分。但我還是繼續走。比如,問題是,你知道,你是如何建議聽眾去瞭解更多關於這個主題的知識,還有一些什麼資料,你知道,他們可以閱讀,然後進一步聯系你。

Eric Lowe:是的,我剛才說的是,那裡有太多的資訊,當然在社交媒體或報紙上,這並不是缺少資訊,也許有太多的資訊需要瀏覽。所以基本上,如果你想找到你想要的東西,基本上必須經過,篩選所有資訊,因為每個人都有部分解決方案,但不是完整的解決方案。然後你必須先經歷這些,基本上,我可以幫你找到你想要的東西,然後試著找到他們現時能夠提供的、適合你的任何方面需要。所以這是一種不同的管道,更像是為你自己做,而不是千篇一律,比如去鞋店,他們沒有尺碼,所以基本上,如果你選小一個碼或者放個墊子之類的。所以事實上也是一樣,很難找到完全符合你想要的條件的東西。

Darren Wong: 關於整個數據,就像到處都是的資訊,我想這就是Denzity的目的,對吧?所以是的。我想還有很多問題。以及老實說,如果聽眾有任何意見和問題,我可以隨時向您諮詢。最後,你想讓觀眾在這集節目結束前能夠帶走甚麼有用的資訊?

Eric Lowe:我希望觀眾在看到這集節目,他們知道他們有選擇,我最重要的是,人們會認為,無論外界給你什麼,你都要考慮巴拿馬,你必須考慮葡萄牙或任何地方,只要他們有在提供選擇。但關鍵是,如果你想要什麼,你也可以做一些研究,也可以找到像我這樣可以的人找到你想要的東西。我認為這很重要,因為力量在過程中,對於像我這樣的人,從根本上來說,這比跳過所有已建立的資訊並找到真正喜歡的東西要容易得多。所以基本上,這是一個過程。

Darren Wong: 我明白了,我認為這是結束節目的好時間。如果聽眾想接觸你來進一步了解你,你建議他們用什麼方法找到你?

Eric Lowe:基本上,實際上我在LinkedIn,這樣他們就可以在那裡找到我,他們能在Eric Lowe的找到我。基本上,你可以在那邊找到它。或者我可以留下我的電話號碼或者類似的東西,如果他們願意的話。

Darren Wong: 是的,我可以把所有的東西都寫在節目筆記裏。我只想感謝你抽出時間。我想即使房地產行業和·退休移民,這顯然不是一個非常緊密的關聯。但也有相關的聯繫,因為在我的頭腦裏有時我會想,我必須移民,不是退休,而是重新安置居所,然後問題會是,哦,天哪,我該住在那裡?我該去哪裡?我周圍有什麼?有什麼我熟悉的嗎?我想在我高中的時候,我去溫哥華的時候,我的第一句話就是:“嘿,中國菜館離學校有多遠?”我就說,“好吧,這是一個非常重要的問題”。顯然,這在當時是很小的事情。但現在想想,]如果你要搬到很遠的地方,不要僅僅依賴Google地圖,你應該真正依靠擁有像你這樣的人,知道發生了什麼,至少,甚至可以先去那裡想想那是不是適合你的地方。所以我只想說,Eric,謝謝你的時間,我真的很感激,我希望你下次能再來。

Eric Lowe:好的,沒問題。我在這集節目過得很愉快。

Darren Wong:是的,謝謝,祝您愉快。

Eric Lowe:你也是。祝您今天過得愉快。Darren Wong: 你也是。再見。

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