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Thursday, September 4, 2008

Buying property abroad never easier


Centuries ago there were periods when people took it upon themselves to explore the world. They engaged in great adventures, travelling to the far corners of the Earth. In those days the explorer was the exception, or it was exceptional circumstances like War and colonisation that took people to other parts of the world. Today its tourism, inter-racial marriages and employment. If these changes are significant, then they are about to get even more so. There are several big changes under way:
1. Employment exchange: Global companies are able to employ foreigners with ease. Certain professions also allow you to migrate with ease, such as doctors, nurses, seamen, programmers, teachers and financiers. But this shift is destined to grow and to be two-way as countries become more satisfied by global exchange. Most of these arrangements are bilateral relationships between friends and neighbours, but these relationships will grow.
2. Marital relationships: Increasingly there is a willingness by people to explore inter-racial relationships. When I married my Japanese girlfriend years ago it was unusual for a foreigner to have a legitimate relationship with an Asian girl. By no means was I the first, but I'd never known anyone, whereas its far more common now. Different cultures are now something to be explored, even if one goes not fully commit. Sometimes this can result in people living in foreign lands. Dual citizenship rules are being adopted in a number of countries, but we might expect these rules to become even more relaxed. Some countries like the Philippines have seen the benefit of relaxing their rules. You can stay in the Philippines for up to 18 months as a tourist without even leaving the country.
3. Retirement: Just 30 years ago it would have been inconceivable that people would retire abroad. This is likely to become a popular scheme in some countries. Already individuals are doing just that. A number of Westerners are retiring in places such as Spain, Thailand, the Philippines, Ecuador, Fiji and New Zealand. Increasingly we are going to see government-sponsored efforts like a Japan-Thailand program, and a Japan-Philippine program. These decisions are already been taken by individuals for financial reasons. At some point governments are going to pick up on this trend. A great many under-funded retirees in Western countries are going to struggle to live in the West. I am expecting governments to actually pay off these people to retire abroad. Japan is likely to be the first. Japan is facing a huge dilemma with respect to its under-funded pension scheme. Japan has one of the oldest populations in the world, and its Postal Savings scheme is investing in Japanese government bonds (to support the local economy) paying just 1% interest. At some point the government is going to need relief. The only way the government can address this issue is through massive reform measures, that would prove politically unpalitable. It makes more sense to get rid of the problem, and its 'very Japanese'. Young mothers today are less inclined to look after their husband's parents, and sometimes not even their own. The Japanese way is to pay off retirees and foreign governments to accommodate their old people. For the Philippines it makes sense as the Philippines takes Japanese retirees and Japan takes skilled Filipino workers. All those bar and factory workers in Japan can become carers in Philippine nursing homes for Japanese retirees since learnt Japanese dancing in Japan. There is no reason why other countries cannot do the same, but a lot of this retirement will be a personal decision, but core projects will be required by government or large private companies to kickstart these efforts for retirees wanting a familiar lifestyle. Resort locations make a lot of sense, particularly those near international airports. The best market is the Philippines. The question of how is the subject of this blog. This of course makes sense too for Japanese young people who might want to follow their aged parents to the Philippines after they die. This is not a solution for everyone. It will be a voluntary program, or one for those willing to accept a payoff. The Philippines is not so unfamiliar to the Japanese. There are many Filipinos living in Japan, and some years ago the Japanese government was actually encouraging Japanese farmers to find Filipino wives. Such a program will however require Japanese government support. At some point it will prove inevitable. Koreans and Taiwanese will not be so far behind them. Its interesting because we are likely to see certain countries dominating in certain regions. For instance, there is a lot of Chinese investment focused on the NW coast of Luzon, which are serviced by Subic/Clark and Laoag International airports. There seems to be an effort by the Japanese government to create a presence around Legaspi City in Bicol after the Koreans upstaged them in Cebu. I would expect an international airport in Cagayan in North Luzon in around 20 years as well.
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Andrew Sheldon http://www.blogger.com/www.sheldonthinks.com

3 comments:

Dave Starr said...

I believe if anything the wave of retirees from at least korea is already well in evidence here in Luzon, Andrew. My son and I spent a week at Subic recently and it is difficult to spot a restaurant or bar without a Korean sign. Several hotels have recently gone unfer Korean ownership and the success of Hanjin's shipyards will certainly fuel more migration, I believe.

I'm a 'real' retiree, in that I am fully supported by my US-based annuties and came to the Philippines mainly becuase I "married into it" but having been here two years now I doubt I would be in any hurry to leave regardless of my personal situation. Even with all the often glaring negative factors the positve factors win as far as I am concerned.

My son, in his 30's and unmarried surprised me by getting seriously interested in buying a condo property or some other basis for possible retirement here in the future ... although he did comment that rather than potentially studying Tagalog as an enhancement to his retirement he was more inclined to learn Korean ;-)

In Angeles City, long an enclave of American (and Aussie for that matter) older, often unattached men there is a lot of ranting in the English-speaking expat community regarding the Koreans 'taking over'. Possibly because the Americans arrive to live as cheaply as possible on a minimal pension while the Koreans come with investment cash and financial acumen and buy whatever looks to be a good deal ... you can hardly expect the local government _not_ to gravitate toward free spending investors rather than chronically unhappy pennypinchers.

Andrew Sheldon said...

I agree Dave. I was recently up the coast in Ilocos Sur & Norte, and its apparent that the Chinese are keen on that area. The international airport is now catering to Chinese flights, with Korean flight links coming. Its also likely that Japanese developers will also find their precinct. I suspect in the Bicol area, say Legaspi City.

Unknown said...

It has amazed me how many British people have moved to live in Spain for their retirement. Personally I have be considering moving to India as I have enjoyed many holidays there over the years. My husband and I are currently seeing what property for sale India has to offer. We are thinking about buying a nice apartment in Delhi but we haven't fully decided yet. It seems that the trend is growing more and more for moving abroad.

Major cities of Japan

資料:各都市の推計人口(ホームページ) Japan's major cities:
札幌市 Sapporo 仙台市 Sendai さいたま市 Saitama 千葉市 Chiba
東京都区部 Tokyo-23 横浜市 Yokohama 川崎市 Kawasaki 新潟市 Niigata 静岡市 Shizuoka 浜松市 Hamamatsu 名古屋市 Nagoya 京都市 Kyoto 大阪市 Osaka 堺市 Sakai 神戸市 Kobe 広島市 Hiroshima 北九州市 Kitakyushu 福岡市 Fukuoka

Cities and towns of Tokyo

競売物件購入 keibai buttsuken kounyu 千代田区 Chiyoda-ku 八王子市 Hachioji-shi 羽村市 Hamura-shi 中央区 Chuo-ku 立川市 Tachikawa-shi あきる野市 Akiruno-shi 港区 Minato-ku 武蔵野市 Musashino-shi 西東京市 Nishitokyo-shi 新宿区 Shinjuku-ku 三鷹市 Mitaka-shi 文京区 Bunkyo-ku 青梅市 Ome-shi 郡部 Towns and villages 台東区 Taito-ku 府中市 Fuchu-shi 瑞穂町 Mizuho-machi
墨田区 Sumida-ku 昭島市 Akishima-shi 日の出町 Hinode-machi 江東区 Koto-ku 調布市 Chofu-shi 檜原村 Hinohara-mura 品川区 Shinagawa-ku 町田市 Machida-shi 奥多摩町 Okutama-machi 目黒区 Meguro-ku 小金井市 Koganei-shi 大田区 Ota-ku 小平市 Kodaira-shi 島部 Islands 世田谷区 Setagaya-ku 日野市 Hino-shi 大島町 Oshima-machi 渋谷区 Shibuya-ku 東村山市 Higashimurayama-shi 利島村 Toshima-mura
中野区 Nakano-ku 国分寺市 Kokubunji-shi 新島村 Niijima-mura 杉並区 Suginami-ku 国立市 Kunitachi-shi 神津島村 Kouzushima-mura 豊島区 Toshima-ku 福生市 Fussa-shi 三宅村 Miyake-mura 北区 Kita-ku 狛江市 Komae-shi 御蔵島村 Mikurajima-mura 荒川区 Arakawa-ku 東大和市 Higashiyamato-shi 八丈町 Hachijo-machi 板橋区 Itabashi-ku 清瀬市 Kiyose-shi 青ケ島村 Aogashima-mura 練馬区 Nerima-ku 東久留米市 Higashikurume-shi 小笠原村 Ogasawara-mura 足立区 Adachi-ku 武蔵村山市 Musashimurayama-shi 葛飾区 Katsushika-ku 多摩市 Tama-shi 江戸川区 Edogawa-ku 稲城市 Inagi-shi

Cities & Towns of Saitama

競売物件購入 keibai buttsuken kounyu 西区 Nishi-ku 北区 Kita-ku 大宮区 Omiya-ku 見沼区 Minuma-ku 中央区 Chuo-ku 桜区 Sakura-ku 浦和区 Urawa-ku 南区 Minami-ku 緑区 Midori-ku Cities (-shi) さいたま市 Saitama-shi 川越市 Kawagoe-shi 熊谷市 Kumagaya-shi 川口市 Kawaguchi-shi 行田市 Gyoda-shi 秩父市 Chichibu-shi 所沢市 Tokorozawa-shi 飯能市 Hanno-shi 加須市 Kazo-shi 本庄市 Honjo-shi 東松山市 Higashi-Matsuyama-shi 岩槻市 Iwatski-shi 春日部市 Kasukabe-shi 狭山市 Sayama-shi 羽生市 Hanyu-shi 鴻巣市 Kounosu-shi 深谷市 Fukaya-shi 上尾市 Ageo-shi 草加市 Souka-shi 越谷市 Koshigaya-shi 蕨 市 Warabi-shi 戸田市 Toda-shi 入間市 Iruma-shi 鳩ケ谷市 Hatogaya-shi 朝霞市 Asaka-shi 志木市 Shiki-shi 和光市 Wako-shi 新座市 Niiza-shi 桶川市 Okegawa-shi 久喜市 Kuki-shi 北本市 Kitamoto-shi 八潮市 Yasio-shi 富士見市 Fujimi-shi 上福岡市 Kami-fukuoka-shi 三郷市 Misato-shi 蓮田市 Hasuda-shi 坂戸市 Sakado-shi 幸手市 Satte-shi 鶴ケ島市 Tsurogashima-shi 日高市 Hidaka-shi 吉川市 Yoshikawa-shi 北足立郡 Districts (-gun) 伊奈町 Ina-machi or ko 吹上町 Fukiage-machi 大井町 Oi-machi 三芳町 Miyoshi-machi 毛呂山町 Moroyama-machi 越生町 Ogose-machi 名栗村 Naguri-mura

Cities &Towns of Kanagawa

競売物件購入 keibai buttsuken kounyu 県計 市部計 郡部計 横浜市 鶴見区 神奈川区 西区 中区 南区 港南区 保土ヶ谷区 旭区 磯子区 金沢区 港北区 緑区 青葉区 都筑区 戸塚区 栄区 泉区 瀬谷区 川崎市 川崎区 幸区 中原区 高津区 宮前区 多摩区 麻生区 横須賀市 平塚市 鎌倉市 藤沢市 小田原市 茅ヶ崎市 逗子市 相模原市 三浦市 秦野市 厚木市 大和市 伊勢原市 海老名市 座間市 南足柄市 綾瀬市 三浦郡葉山町 高座郡寒川町 中郡 大磯町 二宮町 足柄上郡 中井町 大井町 松田町 山北町 開成町 足柄下郡 箱根町 真鶴町 湯河原町 愛甲郡 愛川町 清川村

Cities & Towns of Chiba

競売物件購入 keibai buttsuken kounyu 県計 市計 郡計 千葉市 中央区 花見川区 稲毛区 若葉区 緑区 美浜区 銚子市 市川市 船橋市 館山市 木更津市 松戸市 野田市 佐原市 茂原市 成田市 佐倉市 東金市 八日市場市 旭市 習志野市 柏市 勝浦市 市原市 流山市 八千代市 我孫子市 鴨川市 鎌ヶ谷市 君津市 富津市 浦安市 四街道市 袖ケ浦市 八街市 印西市 白井市 富里市

Cities & Towns of Osaka

競売物件購入 keibai buttsuken kounyu 総 数 府 保 健 所 計 池 田 池田市 豊能町  箕面市  能勢町  豊中豊中市  吹 田 吹田市 茨木摂津市  茨木市 島本町 枚方枚方市  寝屋川 寝屋川市 守口 守口市  門真市 四條畷 四條畷市 交野市  大東市 八 尾 八尾市  柏原市  藤井寺 松原市  羽曳野市 藤井寺市 富田林 大阪狭山市 富田林市 河内長野市 河南町  太子町  千早赤阪村 和泉和泉市  泉大津市 高石市  忠岡町  岸和田 岸和田市 貝塚市  泉佐野 泉佐野市 熊取町 田尻町  泉南市  阪南市  岬町 大 阪 市 堺市 高槻市 東大阪市  

Cities & Towns of Hiroshima

競売物件購入 keibai buttsuken kounyu 県計 広島市 広島市中区 広島市東区 広島市南区 広島市西区 広島市安佐南区 広島市安佐北区 広島市安芸区 広島市佐伯区 呉市 竹原市 三原市 尾道市 福山市 府中市 三次市 庄原市 大竹市 東広島市 廿日市市 安芸高田市 江田島市 府中町 海田町 熊野町 坂町 安芸太田町 北広島町 大崎上島町 世羅町 神石高原町