Market Updates 未分類

Finishing the Year 2020 Strong

Finishing the Year 2020 Strong

Another year is drawing to a close, so we are here again with our year-end special episode. This year has been a dramatic year for many of us. Despite that, our team at Denzity has made some fantastic achievements. Before our send-off into 2021, we’d like to quickly recap what we have achieved in 2020 and what you should expect from us after the holidays. Also, stay tuned to the end for a special announcement! 

▶Key Discussion:

  • Recap on Denzity Insights
  • Special Announcement

▶ Disclaimer:

This disclaimer informs readers/audience that the views, thoughts, and opinions expressed in the text/video belong solely to the author & participant, and not necessarily to the participant’s employer, organization, committee or other group or individual. 

As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies.

This might be painfully obvious – Please note the following legal conditions:

Denzity owns the copyright in and to all content in and transcripts of Denzity’s video programs and publications (collectively referred to as “Denzity Materials”, with all rights reserved and its right of publicity.

You are welcome to share the below transcript (up to 500 words but not more) in media articles (e.g., The South China Morning Post, Bloomberg, New York Times), on your website, in a non-commercial article or blog post (e.g., Medium and WordPress), and/or on a personal social media account for non-commercial purposes, provided that you include attribution to “Denzity” and link back to the URL. For the sake of clarity, media outlets with advertising models are permitted to use excerpts from the transcript per the above.

No one is authorized to copy any portion of the Denzity Materials or use Denzity’s name, image or likeness for any commercial purpose or use, including without limitation inclusion in any books, e-books, book summaries or synopses, or on a commercial website or social media site (e.g., Facebook, Twitter, Instagram, etc.) that offers or promotes your or another’s products or services.

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

▶ Transcript [English & Chinese]

Hey everyone! This is Darren from Denzity.


Another year is drawing to a close, so we are here again with our year-end special episode. This year has been a dramatic year for many of us. Despite that, our team at Denzity has made some fantastic achievements. Before our send off into 2021, we’d like to quickly recap what we have achieved in 2020 and what you should expect from us after the holidays. Also, stay tuned to the end for a special announcement! 


First up: Denzity Insights –  we interviewed dozens of experts worldwide for their tips and insights so that you can have a better idea of how the real estate industry works. We realize a great deal of you  prefer using online videos to learn about real estate-related topics, and it has been a great success! As of now, we have featured more than 30 experts worldwide (hailing from Hong Kong, Canada, Malaysia, Singapore, Japan, the UK, Cambodia, and more). Our videos have also garnered over 7,000 views and accumulated more than 350 hours of watch time in total. That’s awesome! Thanks to you all, we are considering adding a second season to explore even more areas of real estate. If you are a real estate expert, and want to be featured on our channel, please contact us! We are expanding to more topics – looking at property categories like industrial and hospitality, digging deep into market trends, and discovering opportunities such as PropTech and investment strategies.

首先:Denzity Insights——我們採訪了全球很多的專家,讓他們提供了建議和見解,以便您對房地產行業的運作有一個更好的瞭解。我們意識到很多人更喜歡使用視頻來了解房地產相關的話題,而我們已經成功!到目前為止,我們已經在全球邀請了30多位專家(來自香港、加拿大、馬來西亞、新加坡、日本、英國、柬埔寨等地的專家)。我們的視頻也獲得了超過7000次的流覽量,累計觀看時間超過350小時。太棒了!感謝大家,我們正在考慮新增第二季,探索更多房地產相關的領域。如果您是一位房地產專家,並想出現我們的頻道,請聯系我們!我們會擴展到更多的主題——關注工業和飯店等房地產類別,深入挖掘市場趨勢,發現機遇,如PropTech和投資策略。

We have to thank YOU, the audience! Thanks for the support and for giving us tremendous feedback. Please continue to suggest anything you have in mind, such as:  What kind of topics would you like us to explore? Which experts would you like us to interview? Let us know in the comment section.


Now, we have a special announcement for you.


For the past few months, we thought deeply about why many traditional real estate agencies are staying quiet about the digital world. Why many of them struggle to transition to digital marketing and miss opportunities many others have found. What is for sure is attracting online prospects is not an easy task and cannot be done on one’s own. That’s when we realized that WE could be the bridge. We call it Denzity Portal: the Shopify for real estate agencies. And unlike other listing platforms – we know video is a powerful medium to attract prospects and direct them to the project listings. 

在過去的幾個月裏,我們深入思考了為什麼許多傳統的房地產仲介對數碼世界保持沉默。為什麼許多傳統房地產仲介未能向數位行銷轉型,錯過了許多機會。可以肯定的是,吸引線上潛在客戶並不是一件容易的事,而且不可能只靠自己完成。就在那時,我們意識到我們可以成為這座橋樑。我們稱之為Denzity Portal:房地產仲介的Shopify。與其他上市平台不同的是,我們知道視頻是吸引潛在客戶並引導他們進入項目清單的强大媒介。

Real estate agencies need a listing portal that can host a wide range of video types, such as virtual viewing and live streaming. Usually, it is quite expensive to build an online listing platform with an extension permitting creative freedom. With Denzity Portal, real estate agencies can now do all that for less than half of the standing cost with our tech solution. With this, finding online prospects and closing sales faster literally becomes a few clicks away.

房地產經紀公司需要一個能够承載多種視頻類型的上市網站,如虛擬觀看和直播。通常情况下,建立一個具允許創造性自由擴展的線上上市網站是相當昂貴的。有了Denzity Portal,房地產仲介現在可以用我們的科技,以不到持續成本的一半來完成所有這些。有了這一點,你就可以更快地找到網上潛在客戶並完成銷售。

Additionally, traditional real estate agencies want to find digital talents that can promote listings and create campaigns. With Denzity portal, real estate agencies can access on-demand digital experts – from marketing to video creation – extending the impact of their online presence. With our solution, real estate agencies can capture online prospects faster and easier than ever before while focusing on what matters most: making sales. We are already building listing platforms with a handful of clients. If you are a real estate agency and want to learn more, please reach out! And, if you are a digital marketing agency, you can reach out to us, too!

此外,傳統的房地產經紀公司希望找到能促進上市和創建活動的數位人才。通過Denzity Portal,房地產經紀公司可以應要求接觸網上專家-從行銷到視頻創作-擴大其線上存在的影響。有了Denzity Portal,房地產經紀公司可以更快、更容易地捕捉網上潛在客戶,同時專注於最重要的事情:銷售。我們已經在與少數客戶建立上市平台。如果你是一位房地產仲介,想瞭解更多,請聯系我們!而且,如果你是一個數位行銷機构,你也可以聯繫我們!

Now, what to expect from us in 2021? We at Denzity will continue to help investors find more high quality and insightful real estate information and provide digital and creative solutions to help real estate companies succeed in the online world. 


To the Denzity team, advisors, partners, shareholders, friends, families, community, and supporters, I wanted to thank all of your continued support, guidance, support, and believe in our mission!  We couldn’t accomplish many things this year without you.


We are super excited for 2021, and I am sure you are, too! Let’s finish the year strong! Thanks for watching, and until next year, above and beyond!


Market Updates 未分類

Unconventional way to use the internet in your real estate journey

The internet has taken the real estate industry by storm and shows no signs of slowing down. People are regularly using search engines to find properties online. It has allowed real estate buyers to be more empowered in the entire property searching process. Interested parties can better educate themselves on topics like return on investment, loan programs and overseas property. In the old days, you could only get this information from your real estate agents, who would have to send you their current listings via phone or mail. It was very ineffective due to the delay in information exchange.

The internet has opened communication for many businesses, and the real estate industry is the perfect example. As a real estate buyer, you can make fair use of the Internet during your research process. Not only can you find property listings online, but you can also gain access to a world of real estate knowledge. Check out the below unconventional ways to use the Internet during your real estate adventure.

#1 Use it as a learning platform to obtain worldwide information
Nowadays, real estate investment goes global. A lot of people are looking to buy properties overseas. With a few clicks, you can dig out lots of information about a property in another country. You can also easily connect to an overseas property agency and arrange virtual home tours. Meanwhile, there are plenty of real estate webinars available online. Use them as a learning platform to obtain information from world-class experts. We believe that the key to strategic real estate investing is being educated. So make fair use of the Internet and consume the right information.

#2 Follow real estate “influencers” to get inspired
In 2020, the Internet is very social. Social media platforms, especially Instagram, are changing how people buy everything from clothing to furniture, and now the same can be said for real estate. Real estate influencers can be your inspiration along the way. Of course, you need to select influencers carefully based on their number of followers, credibility, and authority. Follow the ones who can provide you with real insights and useful information. There is no faster way to obtain information through social media. Following real estate influencers also makes your real estate research journey more fun and entertaining.

#3 Exchange ideas with real estate experts
While your real estate agents may not have social media accounts – after all, not everyone loves social media – but you can also “make friends” with real estate experts online. Forums, webinars, and blogs are some great platforms. The good thing is you don’t need to attend those events in-person. With these online platforms, you can sit within the comfort of your home and get information from experts worldwide. If you have any question or doubt, you can send questions to them directly. The Internet has made communication easier and fostered the exchange of ideas.

If you want to join a community of real estate experts, Denzity is an excellent platform for you. We partner with professional real estate agents, developers, world-class investors and advisors to curate useful insights, open dialogues, and peer-reviewed content. Join us today to harness the power of the Internet. At Denzity, we want you to be more empowered in your real estate journey!

Real Estate Knowledge

Things to consider when you buy a property overseas

Buying property overseas is undoubtedly more complicated than buying locally, especially when you do not have much experience. You will have to consider several factors and understand the risks associated with buying property abroad. This guide explores the difficulties you might face as well as some advice.

Understand the risks when buying property abroad
Tax – make sure you account for all the tax you will be liable to pay – the tax at home and in the country of purchase. Every country has its tax laws, so do your research correctly and seek professional legal and tax advice if required. You also need to think ahead. It’s common to be charged taxes when you buy a home and again when you sell it. Some places like Hong Kong impose stamp duty as an attempt to combat speculative practices. There may also be ongoing tax payments that you’ll need to make throughout the year. So you need to not just think about the tax when you buy the property, but also the tax when you own it and sell it in the future.

Check the eligibility – make sure that you have all the necessary permissions and eligibility before signing any form of contract with your real estate agency. Before buying any property overseas, it’s essential to check the local laws to make sure you are legally allowed to purchase real estate there. Even if you can buy real estate in a specific country, there might be some limitations. For example, in the Philippines, you can buy a unit in a condominium project – as long as the locals own 60% of the companies. Foreigners generally aren’t able to hold land. Vietnam, the hottest real estate hotspot in Asia, has similar restrictions too.

Funding – securing a mortgage can be tricky if you want to buy real estate abroad. There are other available options like developer financing for overseas investment. However, you have to explore the options carefully and assess your financial health. Also, the exchange rate matters. Even a tiny change to the exchange rate could significantly affect the value of your purchase and the return on your investment. The worst scenario – this could make a property or your mortgage repayments unaffordable overnight.

Beware of scams and deceptive marketing – buying property overseas involves risks, especially when you don’t know the market well. Don’t succumb to heavy pressure to sign up with a deposit before you’ve had a chance to go through everything carefully and obtain independent advice. Always reach out to reliable and reputable agents who have experience in that area.

Final words – do your research carefully
Don’t give away your hard-earned money because of inadequate research. There is plenty of information online. Do your research thoroughly and seek independent advice before making any deal. If you keep yourself aware of all the target country’s regulations and laws, it can help cut down the stress. That said, make sure you do your research right and consider all risks before making your international real estate purchase.

Market Updates 未分類

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.

▶ Disclaimer:

This disclaimer informs readers/audience that the views, thoughts, and opinions expressed in the text/video belong solely to the author & participant, and not necessarily to the participant’s employer, organization, committee or other group or individual. 

As it can be difficult to catch some minor errors, transcripts may contain a few typos or inaccuracies.

This might be painfully obvious – Please note the following legal conditions:

Denzity owns the copyright in and to all content in and transcripts of Denzity’s video programs and publications (collectively referred to as “Denzity Materials”, with all rights reserved and its right of publicity.

You are welcome to share the below transcript (up to 500 words but not more) in media articles (e.g., The South China Morning Post, Bloomberg, New York Times), on your website, in a non-commercial article or blog post (e.g., Medium and WordPress), and/or on a personal social media account for non-commercial purposes, provided that you include attribution to “Denzity” and link back to the URL. For the sake of clarity, media outlets with advertising models are permitted to use excerpts from the transcript per the above.

No one is authorized to copy any portion of the Denzity Materials or use Denzity’s name, image or likeness for any commercial purpose or use, including without limitation inclusion in any books, e-books, book summaries or synopses, or on a commercial website or social media site (e.g., Facebook, Twitter, Instagram, etc.) that offers or promotes your or another’s products or services.

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。

Market Updates 未分類

New ways of marketing for real estate agencies

There are plenty of ways to do marketing for your real estate business. Traditional marketing methods, like creating a Facebook page or having a website, are no longer enough in today’s information age. Think about it, how many Facebook or Instagram posts do you see per day? And how many of them will you pay attention to? There is simply too much information online! That’s why today we want to talk about a more powerful way to promote your real estate business – video marketing. Here are 3 reasons why you should use video marketing right now.

#1 Video is more attractive
You know what? YouTube is the world’s second-largest search engine and second most visited site after Google. On average, there are 1,000,000,000 mobile video views per day. Video is a versatile and engaging content format that gives us a real-life picture of what is going on. It’s not hard to explain why Tik Tok is such a big thing now – the video-based social app is booming with more than 500 million monthly active users – people like it because videos are easy to digest, interactive and entertaining. So, if you are not using videos to promote your real estate business, you are missing out! What’s more, you don’t need to create professional-grade videos or something fancy. As long as your content is authentic, insightful and useful, people will remember you and your business.

#2 Video is more engaging
The whole concept of marketing is based on trust and creating long-term relationships. Trust is the foundation of conversions and sales, so stop selling and let the people come to you by providing them with the information they need. When potential customers see you talking about your properties and sharing knowledge in video format, it is likely to engage and ignite emotions. You can also present your real estate services in a conversational form. It is an effective way to foster trust. Many first-time buyers are sceptical about choosing their real estate agents because they fear fraud and cheating. So, the video is an excellent format to let potential clients know your business and you as a natural person. 

#3 Not many of your competitors are doing it right now
Although video marketing has been around for a while, many real estate agencies are not harnessing its power. For many years, the real estate business has been a relationship business. Agencies find their clients offline and rely on referrals, and most of the marketing budget goes to traditional advertisements like TV ads and property tour videos. You can be more creative when it comes to promoting your real estate agencies. For example, Denzity is actively looking for real estate experts worldwide to give our audience a better idea of how the real estate industry works. We are very active on YouTube and partner with real estate experts to produce useful content. Instead of selling or bombarding people with sales information, our goal is to inspire buyers’ confidence and trust during their real estate exploration. If you are owners of real estate agencies or real estate agents and wish to contribute, you are more than welcome!

Sign up here to get a chance to be featured!

Market Updates 未分類

How to be a successful real estate agent with digital marketing

As a property agent, you are more or less acting like an entrepreneur – from finding clients to establishing word-of-mouth – you need to continually change, adapt, and reinvent your marketing strategy for it to be effective. If you have been in the industry long enough, you may have experienced a significant shift in recent years. Real estate buyers are changing their way of buying or investing in a property, from newspaper to online market research. The rise of influencer marketing also highlights the importance of having a personal brand. To jump-start your digital marketing game, use the following 3 tips to get the results you’re seeking:

#1 Create your content
As a property agent, you are a brand to yourself. To build trust, you need to establish yourself as a real estate expert. Traditionally, this can be done by attending offline events, meeting clients in coffee shops or giving out leaflets and brochures. Yet, technology has changed the way we interact and communicate. Building an online presence is more important than ever. You can do so by producing useful online content and sharing your knowledge through social media. Remember, being consistent is the key. It takes time for people to discover your content initially, but when you produce useful content consistently, people will appreciate it. Once they see you as a professional and trustable property expert, it’s easier for you to start business relationships with them. 

#2 Interact with your followers
No one likes one-way communication! Your online presence is telling potential customers who you are. To interact with your followers frequently, I’m sure no one wants their real estate agents to be indifferent and not responsive. Being active makes people want to interact with you more, and it’s easier for you to build relationships with them in the long run. Potential or interested clients may drop you a message directly. So make sure you reply to them promptly. You can also ask questions to get a discussion going. This is an excellent way to drive engagement and attract prospects.

#3 Explore different platforms
There are multiple social media platforms that you can make use of: Facebook, Instagram, YouTube…you name it. Explore different platforms and understand their differences. For example, YouTube is an excellent channel for video marketing. If you’re good at making videos, go for it! Once again, it takes time and effort to establish an excellent online presence, so be patient. But the beauty of digital marketing is that the potential is endless! You can attract way more prospects online than traditional marketing efforts with the right strategy and tactics.

If it sounds right to you, start building your online presence today! In the meantime, Denzity can be a good platform for you to begin with. As a global community of industry experts, Denzity connects real estate buyers with professional real estate agents. We aim to create a vibrant, trustable, and professional online community in the real estate scene. By joining Denzity, you can transform yourself into a digital-savvy real estate agent and make your real estate business even more successful!

Market Updates 未分類

Denzity Insights: PropTech’s Uprising with Leo Lo

PropTech’s Uprising with Leo Lo

PropTech is making waves in Hong Kong – a city that used to rely heavily on traditional real estate practices. Covid restrictions have forced the real estate industry to innovate and accelerate its digital transformation, although often to mixed results. Here we have PropTech pioneer, Leo Lo, to talk more about this thriving trend and what businesses should look out for. 

▶  Key Discussion:

  • PropTech 101
  • PropTech Accelerating
  • PropTech Trends in 2020
  • Why PropTech in Hong Kong starts slow
  • Real estate embraces innovation
  • About Asia PropTech

▶ Connect with Leo:

▶ Source & Supporting:

PropTech (Property Tech): “PropTech” is a recent buzzword in commercial real estate. Similar to “FinTech” (‘finance + technology”), PropTech is a movement in the real estate market toward efficient systems rooted in exploring the digital landscape and tending to new consumption patterns. 

ConTech (Construction Tech): ConTech is basically the technology used to innovate the way we plan, design, and build structures, as well as the manufacture and installation of their components. ConTech is, in fact, PropTech, due to the overlap that naturally arises between the two. 

Asia PropTech: Established in 2016, Asia PropTech is a community/association that connects PropTech players and industry stakeholders in Asia. It aspires to promote the adoption of PropTech in Asia and facilitate intra-regional trade in PropTech  through events, knowledge sharing and management, and strategic partnership with PropTech peer organizations in Europe and the United States. 

UK PropTech Association: The UK PropTech Association (UKPA) is a not-for-profit membership organisation set up to drive the digital transformation of the property industry by promoting engagement between PropTech and Property businesses, and creating an environment conducive for PropTech innovation. 

Global PropTech: Global PropTech is the first and leading global innovation platform for the real estate and construction sector. The platform focuses on developing insights, sharing knowledge between different countries, and matchmaking in order to create a future-proof industry. 

Chartered surveyor: A Chartered Surveyor is a specialist who assesses properties for defects, future issues or problems. They can also work out the value of a property. 

Automated valuation model (AVM): Automated Valuation Model (AVM) is a term for a service that uses mathematical or statistical modeling combined with databases of existing properties and transactions to calculate real estate values. The majority of automated valuation models (AVMs) compare the values of similar properties at the same point in time. 

Smart City: In general, a smart city is a city that uses technology to provide services and solve city problems. A smart city does things like improve transportation and accessibility, improve social services, promote sustainability, and give its citizens a voice. 

FinTech: Fintech is the term used to refer to innovations in the financial and technology crossover space, and typically refers to companies or services that use technology to provide financial services to businesses or consumers.,services%20to%20businesses%20or%20consumers

MLS Platform: The MLS is a tool to help listing brokers find cooperative brokers working with buyers to help sell their clients’ homes. Without the collaborative incentive of the existing MLS, brokers would create their own separate systems of cooperation, fragmenting rather than consolidating property information. 

Virtual Reality: Virtual reality (VR) refers to a computer-generated simulation in which a person can interact within an artificial three-dimensional environment using electronic devices, such as special goggles with a screen or gloves fitted with sensors. In this simulated artificial environment, the user is able to have a realistic-feeling experience. 

Augmented Reality: Augmented reality (AR) is an enhanced version of the real physical world that is achieved through the use of digital visual elements, sound, or other sensory stimuli delivered via technology. It is a growing trend among companies involved in mobile computing and business applications in particular. 

Building Information Modelling (BIM): Building Information Modeling (BIM) is an intelligent 3D model-based process that gives architecture, engineering, and construction (AEC) professionals the insight and tools to more efficiently plan, design, construct, and manage buildings and infrastructure.,and%20manage%20buildings%20and%20infrastructure

Country Garden: Established in September 2017, Country Garden Properties (Hong Kong) Limited (Country Garden Hong Kong) is a wholly-owned subsidiary of Country Garden Holdings Company Limited (stock code: 2007.HK). Country Garden Hong Kong has two residential projects currently under development, one is Altissimo in Yiu Sha Road, Ma On Shan and the other is in Carpenter Road, Kowloon City. 

28Houses: 28Hse provides information for the Hong Kong property market, including latest property listings by agents and landlords, property transaction data, market news, used furniture trading etc. 

Evergrande: The Evergrande Group or the Evergrande Real Estate Group (previously Hengda Group) is China’s second-largest property developer by sales. It is based in southern China’s Guangdong Province, and sells apartments mostly to upper and middle-income dwellers. As of 2018, it is the world’s most valuable real estate company. 

SoftBank: SoftBank got its start in 1981 in Tokyo. Founded as a telecommunications company, SoftBank now has a hand in a number of different areas, including e-commerce, finance, broadband, marketing, and more. The company has a portfolio including SoftBank BB, GungHo Online Entertainment, IDC Frontier, and more. In recent years, it has gone on a spending spree, buying up numerous smaller companies and initiating investments in many others. 

Katerra: Katerra is putting modern technology to work at all levels of building design and construction to help address some of the industry’s most entrenched challenges, utilizing many of the disciplines, processes, and technologies that drove the extraordinary productivity gains of industrialized industries over the last 50 years. We work in a growing number of construction market sectors – including multifamily, senior, affordable housing, educational, industrial, hospitality, medical, and commercial developments. 

Unicorn (for startup): A unicorn is a term used in the venture capital industry to describe a privately held startup company with a value of over $1 billion. 

Li Ka-Shing: Nicknamed Superman, Li Ka-shing is revered as one of the most influential businessmen in Asia. 

BlockChain: Blockchain is a specific type of database.It differs from a typical database in the way it stores information; blockchains store data in blocks that are then chained together. 

Cyberport: Cyberport is an innovative digital community with over 1,500 start-ups and technology companies. It is managed by Hong Kong Cyberport Management Company Limited, which is wholly owned by the Hong Kong SAR Government.,the%20Hong%20Kong%20SAR%20Government

Shih Wing-Ching: Shih Wing-ching iis a Hong Kong businessman. His family are from Ningbo in Zhejiang but he came to Hong Kong at an early age. In 1978 he established Centaline Property Agency Limited, which is now one of the largest property agencies in both Hong Kong and China. 

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

Darren Wong: So Leo, welcome to the show.

Leo Lo: Hello Darren. 

Darren Wong: So it’s interesting, right? Because I know you for four or five years and I always said that you’re someone that I’ve learned about property tech through you and you inspired me a lot. So obviously, like I would say, thanks through this medium first about you inspiring me. And then I want the audience know more about your work, and obviously about Asia Proptech. So would you mind telling the audience a little bit about yourself, your work, and then what you’re working on? 

 Leo Lo: All right. So yeah, first of all, thank you very much for inviting me to be one of your interviewees for your video. And thanks for setting up this because I think it’s quite meaningful to let the property players and the investors know more about the innovations in the real estate industry. First of all, myself, my name is Leo Lo. Actually, my background, I’m a chartered estate surveyor. So suppose I work in a very traditional real estate, investment,  financing, and land matters related industry. So I’m now working on both things, one is more on the traditional side, and running my own business in a real estate consultancy, and also, with the investment, we also do boutique real estate development in other countries. At the same time, we also start proptech some years ago, I established Asian PropTech, probably the first proptech dedicated community found in Asia Pacific  region. I started in 2016. At the moment of time, there were not many people talking about proptech. So I  felt very excited. And also lonely when I talk about proptech at that time, and later on, I think I knew you from some event, I forgot that. You’re so passionate about the innovations in real estate, I appreciated it. And now, after several years, especially for the first one to two years, we spent a lot of effort in connecting the people in Europe and North America, who are interested in proptech. Somehow Asia is lagging behind, comparatively speaking, maybe two, three years. So, in 2016, in 2017, Asia PropTech got a lot of connections with those European counterparts. They have so many proptech associations, like the UK proptech, German proptech, or  Global proptech, you name it. I also myself, was always invited by them to speak about proptech scene in Asia, to share with them about the proptech situation and development in the Asia Pacific region.  For these one to two years, I think the whole proptech scene becomes very active in Asia Pacific region, especially the developers here, the estate investors here, they are all keen on looking forward to some innovations that can be brought to their projects, how to add values to their projects, etc. So, so that’s Asia PropTech. And we are now providing few things to the real estate industry about innovations, or we provide consultancy services on proptech. We still keep on connecting people around the world.  We work closely with other proptech associations publicly, like PropTech Institute in Hong Kong as founded by you. We are working very close together. That’s great. And we also try to set up some what we call “cocreation lab” in the region. But sadly because the COVID-19, progress is sluggish. We cannot make travels. So I think we still need to work on more, hopefully maybe next year, to set up some cocreation  labs with the governments, with the industry in some countries in Asia, like Malaysia, Singapore, greater Bay Area etc. So, yeah, that’s Asia PropTech and myself. We also have our own proptech solution, because I am a chartered surveyor. So my interest is more on real estate analysis the valuation side. So we developing what we call AVM, the automated valuation model, try to  assist the real estate investors and financers about the true valuation of real estate.

Darren Wong:That’s  pretty good. It’s interesting, because you touched so many different points of the real estate spectrum, like from valuation, from the investment side, consultancy, and obviously now proptech is something that I want to talk to you about. And then, it’s always excited about property tech, because I think that is something has a really, really big potential for the industry. And then you have been in a forefront just kickstarted everything. So I want to say thanks for this. So pretty quickly for the audience, I want take a step back to tell the audience about property tech,  would you mind give a very brief description of what it is and what it isn’t?

Leo Lo: Sure. Proptech, I think the term becomes popular only within these 10 years, even less than seven years. I think, originally, the US they call it real estate tech, the Europe and the UK to use property as real estate, so they call proptech/property tech. To me, I think somehow proptech is just a buzzword. So just like fin tech, just like health tech, inshore tech, I think any technologies, any innovations that can be applied in real estate and construction  industry can be regarded as proptech. So some people would suggest that proptech is something overlapping with smart cities, for example, or overlapping with a fintech, for example. I think the answer is yes. Somehow is yes, because there are no particular technologies, you can say, oh, it’s only proptech, it’s not being fintech. So It depends on which technologies you’re using, and somehow it’s not only about the hard technologies, it’s also about innovation. For example, business model innovation. Say, we got a coworking or coliving are also the verticals under the banner of proptech. Coworking doesn’t use any rocket-science technology, but somehow they have a very innovative business model. They actually changed or disrupt a bit about the relationship between landlords and tenants. And especially this year, we encountered a pandemic situation, many people working from home. So,  co-working is actually an idea, try to shuffle the relationship, the interest between landlords and tenants. So, it is also regarded as proptech. Or give you a more examples like we talk about proptech from proptech 1.0, 2.0, 3.0. So 1.0 is more related to those using the internet economy in the real estate industry, like many people start their proptech business, first of all, they focus on the multiple MLS platforms. So in Hong Kong, for example,, even for Centaline, Midland, they develop their own platforms. I think these are, of course, a proptech. So they try to minimise the cost of information, or some of them even they want to get rid of agents. So this is proptech. And  2.0 is something like they use drones, they use VR, they use AR to assist the real estate or the construction process. Say, even BIM, Building Information modelling. I can say that BIM is even invented earlier than the term of proptech. So this is fantastic to assist the constructor, the project, the real estate manager.  And 3.0 is something like they use more data analytics, AI or blockchain, try to facilitate the real estate transactions. So it is the buzzword. And there’s no concrete definition of proptech. So any technologies, any business model innovations that can facilitate real estate and construction industry can be regarded as proptech.

Darren Wong: I see. I think it’s really interesting, because when you talk about it, you can see, like a history of how proptech have evolved. So I’m just kind of curious too, because we both know that proptech adoption or at least the awareness of proptech was slower before and this year is somehow has accelerated really fast. What do you think is the reason behind that?

Leo Lo: Hong Kong as an example, I think, especially in the first one to two years, when I established Asia Proptech, when I talk to the developers, the local developers, I think, the FAQ, the frequently asked questions, on proptechs, they would like to know, okay, if I use proptech, how much I can save the cost, and how much the profit can be boosted? So this is very direct, I think that they’re asking something correct. Because these two factors are the main elements in real estate development, for example. So the concern much about what actually proptech can help, but in some years before or for the previous 10 years, Hong Kong, for example, the real estate market is performing quite good. To be honest, it’s not that difficult for those established real estate developers to earn money, even without using tech, even without using innovations.  So somehow proptech is a was just like, a tool for them to window dressing instead of, you know, they really want to use proptech to solve the problems. But not until this year, I think for the whole world, we encountered the pandemic situation, as mentioned, for the office, landlords, they are facing higher and higher vacancy rates, even in central, even in the CBD in many major cities in the world. For the retail malls for example, street shops, the high street shops, the vacancy rates are getting higher. So somehow they turn their head to proptech, again, they really want to see how proptech can help. And this time, they are serious, because proptech can really differentiate different levels. Say in China, for example, in the mainland China, I think, some years ago, we even discussed or talk about if Country Garden, for example, will collapse in one day, even evergrande, in recent two to three weeks there are bad news about evergrande. I want to say is in China or in other countries, the real estate market is, maybe probably, comparatively competitive. So the developers, even the big developers, are keen on make themselves more innovative. Say Country Garden, I mentioned, they started to use construction tech, they started to put money into R&D of robotics in construction. I know many real estate developers in the mainland China, they have in-house incubators. They put a lot of effort to encourage their employees to suggest some innovative solutions to their industry. I think they’re really putting some true effort in pushing the innovation. that’s different. So to answer your question, I think in the past, maybe the real estate companies were in the comfort zone,  but now they need to look into what innovation or proptech can really help.

Darren Wong: I see. So what is the current state of the proptech industry in the world at the moment and which segments have become more popular?

Leo Lo: As I mentioned, in proptech sector, we already used 3.0 to describe the current situation. And I don’t think we made progress to 4.0 proptech We haven’t reached that stage yet. But now I think, comparatively speaking, I think construction related tech would be more favourable. Because somehow, some people may suggest that okay, well, real estate tech is a platform is just try to lower the communication cost. Somehow real estate tech is not that on the ground, but construction related tech is more on the ground. That means, say, if you use 3d printing for constructing a house, if you use some innovative building materials like engineering bamboo, for example, I know some companies that are doing that, they are very concrete, I mean, they are on the ground that can save the cost, save the time, even BIM as I mentioned, these solutions are more favourable. And you can see even SoftBank, they invest in a company called Katerra. I think, if I’m correct, they’re based in Silicon Valley, they are more on the contech, a construction tech sector. After the investment made by SoftBank, they became a unicorn. So that is a fair point, an example. I think, even for the Hong Kong billionaires, for example, as I know, say, the  ventures from Mr. Li Ka-shing. They also invest in quite some building management or energy management related companies in June. So to answer your question, I think construction tech, or building tech, or energy management related tech, are competitively attractive or more favourable back to real estate, I think data analytics would be something under the spotlight as well. Somehow we probably overestimate blockchain in some years ago. But I always suggest that of course, we cannot underestimate the blockchain applications in real estate industry in the coming 5 to 10 years. But somehow, it still takes time, say because blockchain, we still need to work with the governments, we need work with the regulators. So we need to be patient to wait for blockchain to change the industry. So to me, real estate, data analytics, AI assistant or powered tech that can help to facilitate real estate transaction that would be great.

Darren Wong: I see. So a lot of people, obviously, we all acknowledge. We’re part of the industry, we felt that proptech that has been increasing faster. But people still think that the proptech Hong Kong scene is a bit slower. What’s the reasoning behind it? And what are the challenge for that reason, in your opinion?

Leo Lo: I think I mentioned about a bit about this. Because of the real estate developers, most of them actually are under the comfort zone. So they are not keen on changing themselves to compare with other countries. That is one of the reasons. I think secondly,  it’s about the government support. Because Hong Kong government, they try to assist, on how FinTech or smart cities a lot. They create some task force, or they at least they name FinTech or smart cities as the major your stream that they need to put effort or resources in. But proptech seems to me it’s still, not many people talk about. I know Cyberport may we discuss the idea recently, we face it, the, the streams, they need to focus on maybe proptech would be under the spotlight. So I think that’s important because somehow in Asia, with the government support, no matter is money or network or market, that will be helpful. So I look forward to one day Hong Kong government would name proptech as one of the very cool things to put much resources in. I think, somehow, the number of proptech companies is not that big. I mean, the number is not that big in Hong Kong. It’s also one of the reasons that makes Hong Kong a bit slow, because first of all Hong Kong, I mean, the startup ecosystem is not that big compared with Singapore, Malaysia, Korea. I always say that even for the tech people in Hong Kong, if they want to make a startup, they want to start a tech or business model innovation company, they would rather choose maybe other industries, not real estate, not construction, they start their company in FinTech, in health tech, in education tech. Somehow, because real estate in Hong Kong is such a big market with big companies already, so for those proptech people, they may be reluctant to have their company started in real estate and construction. Because the investors will ask them, say, if Okay, Mr. Li Ka-shing do something similar. How your company can survive, say if Mr. Shih Wing-Ching do something similar, how can your company survive? So it’s quite discouraging, somehow. And for the real estate, or construction industry, people in Hong Kong, because I think if you are working in this industry before I’m working in this industry, somehow I think we also in the comfort zone, and most of them are, actually, employees, and they may not be that entrepreneurial. At that sense, so you cannot find many people coming from real estate and construction industry  jumping out to start their company. So that’s also one of the reasons. So that makes proptech not active at this moment. But I still believe that the situation would get better in the coming years.

Darren Wong: Let’s hope so. And if you can deliver a message to all the real estate industry leaders orproptech leaders, what would that be?

Leo Lo: I think I would suggest, I would like to say embrace is the key, say, embracing the innovations and embracing any new ideas, like what I’m developing now on AVM, as I mentioned, automated valuation model, somehow it’s challenging the traditional surveyors jobs. And also, we also need to work with the regulators, work with the professional institute. I think the institutes, the regulators are the players in the industry should at least adopt embracing mentality. Otherwise, I think the society cannot be improved, and that’s something I want to suggest.

Darren Wong: That’s pretty good. It is a really good message. Yeah, I get it. But it’s something that it’s coming. But you’ve got to keep going and keep trying the best to build the best product out there.

Leo Lo: The trend, like I mentioned about blockchain, although we a bit overestimate the impact in this one to  two years, but it will definitely change or improve the industry in the coming five to 10 years. So we need to embrace any innovation.

Darren Wong: I see. So one last thing, because obviously, we can go hours and hours on it. And then I think in the future, if I ever asked you to come to the show, it’ll be really cool that we can talk about very specific segments of what’s going on. Because proptech is a very broad. And it’ll be just hardware to software. Yeah, there’s a lot of things there. But we can go drill down more and more in details. So in the Interim, if the audience want to learn more about property tech, or want to ask for your service, how would they contact you? How you suggest them to contact you and talk to you further?

Leo Lo: All right. So you’re welcome to visit my web page, And you can find the contact details of myself. And, of course, you can search my name, Leo Lo, on LinkedIn, you will definitely find myself. Feel free to text me and leave me a message. I’ll get back to you.

Darren Wong: Yeah, I’ve had everything in the show notes. And I want to say thanks for your time to being here. And I really think that we’re just in the beginning of the whole industry, and I can’t wait for five years from now would be like, wow, just so many things happening. And then we are obviously part of the industry too, we start the whole thing.Yeah, for sure. Let’s see how it goes. And thanks for your time. I really appreciate your time again and then next time come again.

Leo Lo: Thank you so much.

Darren Wong: Thank you. Have a good one. Bye bye

Darren Wong: 那麼,Leo,歡迎來到本集節目。

Leo Lo :你好,Darren。

Darren Wong: 其實這很有趣,對吧?因為我認識你四、五年了,而我一直說我是通過你瞭解房地產科技的,你啟發了我很多。所以很明顯,就像我要說的,首先感謝你通過這個媒介激勵我。然後我想讓觀眾更多地瞭解你的工作,當然還有Asia Proptech。那麼你介意告訴觀眾一些關於你自己,你的工作,以及你目前在做什麼?

Leo Lo:好的。所以,首先,非常感謝您邀請我作為您的節目嘉賓。然後謝謝你設立這個節目,因為我認為讓房地產和投資者更進一步瞭解房地產業創新十分有意義。首先,我自己,我的名字叫Leo Lo。事實上,我的背景,我是一名特許地產量測師。假設我在一個非常傳統的房地產投資行業工作,與金融、土地相關產業。所以我現在在做兩件事,一件是從傳統的角度來看,我在一家房地產諮詢公司經營自己的業務,而且,通過投資,我們我們在其他國家的房地產開發也發展精品房地產。同時,我們也在好幾年前開始了房地產科技發展,我建立了Asia PropTech,可能是亞太地區第一個專業房地產科技的平台。我是在2016年開始的。當時,很少有人談論房地產科技,所以當時我感覺非常興奮。但當我談論房地產科技的時候也很孤獨,後來,我想我是從一些活動裡認識你的我不太清楚了。我很感激你對房地產的創新如此熱情。以及現在,經過幾年之後,特別是開始的一到兩年,我們花了很多精力來連接歐洲和北美對房地產科技感興趣的人。不知怎麼的,相對之下,亞洲落後了可能是兩三年。因此,在2016年,2017年,Asia PropTech與歐洲同行的有很多聯系。他們有很多房地產科技協會,比如英國房地產科技,德國房地產科技公司,或者環球房地產科技,你說得出的都有。以及我自己也總是被邀請向大家介紹亞洲房地產科技的環境,分享亞太地區房地產科技的現狀和發展。在這一到兩年的時間裏,我認為整個亞太地區的房地產科技領域都變得非常活躍,尤其是這裡的開發商,這裡的房地產投資者,他們都很熱衷、期待能為他們的項目帶來一些創新,如何為他們的項目新增價值,等等,所以這就是Asia PropTech。我們現在為房地產行業提供的幾項創新,或者我們提供房地產科技方面的諮詢服務。我們仍然在不斷地聯系世界各地的人。我們與其他房地產技術協會有密切的公開合作,例如由您創辦的香港房地產科技協會。我們在工作上有密切的來往,這是一件很好的事。我們還試圖建立一些我們稱之為“合作實驗室”在這地區。但不幸的是,由於COVID-19,這個項目進展緩慢。我們不能來往各個地區。所以我認為我們還需要做更多的工作,希望明年,建立一些合作實驗室,在亞洲的一些國家,如馬來西亞、新加坡、大灣區等,與政府和行業合作。所以,是的,這就是Asia PropTech和我自己。我們也有自己的科技解決方案,因為我是特許量測師。所以我的興趣更多的是房地產分析和估價方面。所以我們開發了我們稱之為AVM的自動估價模型,試圖協助房地產投資者和財務人員瞭解房地產的真實價值。

Darren Wong: 這十分好。這很有趣,因為你觸及了房地產領域的許多不同點,比如從估值、投資、諮詢等方面,顯然現在我想和你談談房地產科技。然後,房地產科技總是令人十分興奮,因為我認為這對這個行業有著非常巨大的潜力。然後你一直站在最前線,推動一切開始發展。所以我想對你說謝謝。所以為了觀眾們,我想很快地先基本告訴觀眾關於房地產科技,你能簡單描述一下它是什麼,以及它並不是什麼嗎?

Leo Lo :當然。一個房地產科技,我認為這一詞彙只在這10年內開始流行,甚至不到7年。我想,最初,美國稱之為房地產科技,歐洲和英國將資產稱為房地產,因此他們稱之為“資產科技”,我只是覺得科技是一種科技。就像金融科技,健康科技,近海科技,我認為任何科技,任何可以應用於房地產和建築的創新工業都可以看作是房地產科技,所以有人會說房地產科技是與例如智慧都市,或金融科技等產業重疊。我想答案是肯定的。不知何故是的,因為沒有特殊的科技,你可以說,哦,這只是房地產科技,不是用於金融科技公司。所以這取決於你使用的是哪種科技,而且不知何故,這不僅是關於硬科技,而且也關於創新。比如商業模式創新。比如說,我們有一個共事或合作也是以房地產科技為主的垂直行業。合作工作不使用任任何複雜的技術,但不知何故他們的商業模式非常創新。他們實際上改變了或者擾亂了房東和房客之間的關係。尤其是今年,我們遇到了病毒全球大流行的情况,很多人在家工作。所以,合作工作實際上是一種想法,嘗試重新建立關係,和房東和房客之間的利益。所以,它也被認為是房地產科技。或者給你一個更多的例子,比如我們談起房地產科技會說從房地產科技1.0,2.0,到3.0。所以1.0與房地產行業使用互聯網經濟的人更為相關,比如許多人開始了他們的房地產科技業務,首先,他們專注於多個MLS平臺。所以在香港,為了示例,28house.com網站即使是在Midland的Centaline,他們也開發自己的平臺。我當然,認為這些是一種房地產科技,所以他們儘量降低資訊成本,或其中一些成本他們甚至不使用中介。所以這是房地產科技2.0就像他們使用無人機,他們使用虛擬實境,他們使用AR來協助房地產或施工過程。即使是BIM,建築資訊建模。我可以說BIM這個詞甚至比房地產科技還更早出現。所以這對於幫助施工方、項目和房地產經理來說是非常棒的。和3.0就像他們使用更多的資料分析、人工智慧或區塊鏈,努力促進房地產交易。所以這就是我們流行使用的詞。而且其實房地產科技沒有具體的定義。因此,任何能夠促進房地產和建築業的科技、商業模式創新都可以被視為房地產科技。

Darren Wong: 我明白了。我認為這真的很有趣,因為當你談論它的時候,你可以看到,像房地產科技如何演變的歷史。所以我只是也有點好奇,因為我們都知道,房地產科技的採用或者至少對房地產科技的認識以前比較慢,而今年不知何故速度非常快。你認為這背後的原因是什麼?

Leo Lo:以香港為例,我認為,尤其是在我剛成立Asia Proptech的一到兩年裏,當我與開發商、本地發展商交談時,我想,常見問題解答,關於房地產科技的最常見問題,他們想知道,好吧,如果我使用房地產科技,我可以節省多少錢成本,利潤能提高多少?所以這很直接,我認為他們在問正確的問題。因為這兩個因素是房地產開發的主要因素。所以這是對於房地產科技的實際幫助的關注,但在過去的幾年裏或之前,以香港為例,10年來,房地產市場表現相當不錯。說實話,對於那些老牌房地產開發商來說,即使不使用科技,甚至不使用創新,賺錢也不會有太大的困難。所以房地產科技就像是他們用來裝飾的工具,而不是,你知道的,他們真想用房地產科技來解决問題。但直到今年,我想對於全世界來說,我們遇到了病毒全球大流行的問題,就如剛才所說的,對於辦公室、房東來說,他們面臨著越來越高的空缺,在世界上許多主要城市,即使是在市中心,甚至在中央商務區。比如零售商場,街頭商店,商業街商店,空置率越來越高。所以他們又轉過頭來支持科技,他們真的很想看看房地產科技能幫上什麼忙。這一次,他們是認真的,因為房地產科技可以真正區分不同的層次。比如說在中國,在中國大陸,我想,幾年前,我們甚至討論或談論碧桂園是否會在一天內倒閉,甚至恒大,,最近兩三星期恒大也有壞消息。我想說的是在中國還是在其他國家,房地產市場是,也許,相對來說競爭激烈。所以開發商,甚至是大開發商,都熱衷於讓自己更加創新。比如碧桂園,我提到過,他們開始使用建築技術,開始投入資金參與建築機器人的研發。我認識很多中國大陸的房地產開發商,他們都有內部的培養。他們花了很多精力鼓勵員工為他們的工業提供創新建議。我認為他們真的在推動創新方面付出了一些真正的努力。所以那就不同了。所以回答你的問題,我想在過去,也許房地產公司處於舒適圈,但現在他們需要研究創新或支持科技能,才能真正起到什麼作用。

Darren Wong: 我明白了。那麼房地產科技的現狀如何呢現時世界上的產業,哪些細分市場更受歡迎?

Leo Lo: 正如我提到的,在房地產科技領域,我們已經使用3.0來描述當前的情况。我不認為我們在科技進展方面到達了4.0。我們還沒有達到那個階段。但現在我認為,相對而言,我認為與施工相關的科技將更為有利。因為不知何故,有些人可能會建議,好吧,房地產科技是一個平臺,所以儘量降低通信成本吧。不知何故,房地產科技並不是那麼實際,但與建築相關的科技更多的是在實際施工上。也就是說,如果你用3D列印來建造房子使用一些創新的建築材料,例如工程竹,我知道一些公司正在這樣做,他們是非常有效具體的,我的意思是,他們能够節省成本、節省時間,即使是我提到的BIM,這些解決方案更為有利。你甚至可以看到Softbank,他們投資一家叫做Katerra的公司。我想,如果我是對的,他們的總部在矽谷他們更著重關於Contech,一個建築技術部門。在Softbank投資之後,他們變成了獨一無二的公司。所以這是公平的一個例子。我想,即使對香港的億萬富翁來說,我知道,比如說李嘉誠先生的投資。6月份,他們還投資了相當多的建築管理或能源管理相關公司。所以為了回答您的問題,我認為建築技術或建築技術或能源管理相關科技是對於房地產行業來說,更具有競爭力的吸引力或更有利的回報,我認為資料分析可能也會受到一些關注。也許在以往的某些年裏我們高估了區塊鏈但我始終認為,當然,我們不能低估區塊鏈在未來5-10年在房地產行業的應用。但不知何故,這仍然需要時間,比如說,因為區塊鏈,我們仍然需要與政府合作,我們需要與監管機构合作。所以我們需要耐心等待區塊鏈改變行業。所以對我來說,房地產,資料分析,人工智慧助理或動力科技可以幫助促進房地產交易的話就太好了。

Darren Wong: 我明白了。所以很多人,顯然,我們都承認。我們是這個行業的一部分,我們覺得這個行業增長得很快。但人們仍然認為房地產科技香港的發展有點慢。背後的原因是什麼?在你看來,這個原因的挑戰是什麼?

Leo Lo:我想我提到過關於這個。因為房地產開發商,他們中的大多數實際上都是在舒適區。因此,他們並不熱衷於改變自己來與其他國家進行比較。這是原因之一。我想第二,是關於政府的支持。因為香港政府,他們試圖協助金融科技或者智慧都市。他們成立了一些特別工作組,或者至少他們命名金融科技或智慧都市作為他們需要投入精力或資源的主流。但我覺得房地產科技依然很少有人談論。我知道在數碼港我們可以討論一下這個想法,我們面對它,對於主流媒體,他們需要關注的是,也許房地產科技會成為焦點。所以我覺得這很重要因為在亞洲,在政府的支持下,無論是資金、網絡還是市場,都會有幫助。所以我期待有一天香港政府會將房地產科技視為可以投入大量資源的有潛力的東西之一。我想,不知怎麼的,房地產科技公司的數量並不多。我的意思是,在香港這個數位不是那麼大。這也是讓香港有點慢,因為首先香港,我的意思是,與新加坡、馬來西亞和韓國相比,創業生態系統並沒有那麼大。我總是說,即使對香港的科技人來說,如果他們想創業,他們想要創立一家科技或商業模式創新型的公司,他們寧願選擇其他行業,而不是房地產建築業,他們在金融科技、健康科技、教育科技等領域創立了自己的公司。不知怎麼的,因為香港的房地產是一個很大的市場,已經有了大公司,所以對於那些純粹的房地產科技人員,他們可能不願意讓自己的公司在房地產和建築業起步。因為投資者會問他們,如果可以的話,李嘉誠先生也會做類似的事情。你的公司是如何生存的,比如說如果施永青先生也做了類似的事情,你的公司怎麼能生存下來?所以這讓人很沮喪。對於房地產或建築業,香港人,因為我認為,如果你在這個行業工作,在我進入這個行業之前,我想我們也在舒適區,實際上,他們中的大多數人都是雇員,而且他們可能並沒有太多的企業家精神。從這個意義上說,你找不到很多來自房地產和建築業的人離職去創辦他們的公司。所以這也是原因之一。所以這使得房地產科技現在不活躍。但我仍然相信未來幾年形勢會好轉。

Darren Wong: 希望如此。如果你能向所有房地產行業領袖或房地產科技領袖傳達資訊,那會是什麼?

Leo Lo:我想我會建議,我我想說把握是關鍵,比如,把握創新,把握任何新想法,就像我現在在AVM上開發的一樣,正如我提到的,自動評估模型,不知怎麼的,它對傳統的測量員工作帶來挑戰。此外,我們還需要與監管機构合作,與專業機构合作。我認為研究所、監管者是行業的參與者,至少應該採取把握時機的心態。否則,我認為社會無法改善,這是我想建議的。

Darren Wong: 很好。這是一個非常好的訊息。是的,我明白了。機會即將到來。但你必須繼續努力,盡最大努力打造出最好的產品。

Leo Lo:行業的趨勢,就像我提到了的區塊鏈,雖然我們有點高估了它這兩年的影響力,但在未來五到十年內,它肯定會改變或改善這個行業。所以我們需要把握任何創新。

Darren Wong: 我明白了。最後一件事,因為很明顯,我們可以花上好幾個小時。然後我想在將來,如果我再邀請你來到這個節目,我們可以談談現今具體發生的事情。因為房地產科技是一個非常廣泛的行業。然後從硬體到軟件。是的,那裡有很多東西。但我們可以深入瞭解更多細節。所以在這段期間,如果觀眾想瞭解更多關於房地產科技,或者想請求您的服務,他們會如何聯系您?你如何建議他們聯系你並與你進一步交談?

Leo Lo:好的。歡迎你訪問我的網頁,。你可以找到我的聯繫方式。而且,當然,你可以在LinkedIn上蒐索我的名字,Leo Lo,你一定會找到我的。隨時給我發短信,給我留言。我會給你回電的。

Darren Wong: 是的,我已經把所有的東西都記在節目簡介上了。我想感謝你能抽出時間來這裡。我真的認為我們還處於整個行業的起步階段,我等不及從現在開始的五年裏,會有很多改變和發展。然後我們顯然也是這個行業的一部分,我們開始了整個過程。是的,當然。讓我們看看進展如何。謝謝你的時間。我真的很感謝你的再次光臨。

Leo Lo :非常感謝您。

Darren Wong: 謝謝。祝你有好的一天。再見