Finance advice

Buying and selling property with cryptocurrency: Mainstream by 2020

By Sasha Karen

Still in its infancy, cryptocurrency is the enigmatic online currency that takes control out of the hands of the government and, according to one expert, could be wildly adopted for property purchases by as soon as 2020.

The way people have bought and sold over the years has evolved from bartering to the digital currencies of bank accounts and credit cards we use today. For Gary Ng, CEO of Surge Investments, cryptocurrencies are the next stage of that evolution.

“[Cryptocurrency is] not controlled by the government, not controlled by individual [organisations and] the value is actually going to be contained,” described Mr Ng to Smart Property Investment.

“In western society, you can say that the financial infrastructure is a lot more structured, but then in saying that, they’re still preferencing people that they prefer to hold something thats independent, not attached to any particular government.”

Citing an international example, Mr Ng recounted an experience where a friend in Malaysia was selling a property, and he was only accepting bitcoin, one of the more prominent kinds of cryptocurrency.

Although in Malaysia, Mr Ng has noticed the rising trend of bitcoin within Australia, and its adoption may be sooner than property investors realise.

“When I looked it up just a few days ago, theres multiple portals that are starting listing properties to sell in bitcoins and one of them shows 16 properties in Australia thats listed for sale in bitcoin. So thats happening right now,” Mr Ng said.

“When would it become more widely adopted? There will be a tipping point. Right now, were still in that early adopter phase… of maybe like 1 per cent, 2 per cent, 3 per cent of adoption.

“When we start to get around 10 per cent, 15 per cent, which I believe will happen around the next one year, two years or so... from that, were going to see property being bought and sold using cryptocurrency a lot more frequently.”

Mr Ng also noted that despite its relative unknown qualities, accepting cryptocurrencies means investors could buy or sell property quicker, therefore having faster access to cash flow.

“From an investor standpoint, whether its something that you use to transact in the future for property, you need to know whats happening, so when changes eventually happen, you are not completely oblivious to what is happening,” the CEO said.

“Especially from a seller standpoint, if you want to give your property the best chance of being able to get the best value, knowing that if the current trend continues, that’s where a lot of your money is going to be created.

“These people, they dont need to take on a loan to buy a property, and so if you are not aware and youre not looking to accept cryptocurrency, Im sure youre going to get by, but again, you are leaving out a big piece of the potential target market that could be able to fund the purchase.”

If property investors are sceptical behind cryptocurrency, Mr Ng suggested there is no better advice than having a hands-on experience.

“Just buy like $10 of bitcoin, $100 of bitcoin, [and]… when youve got some, when you actually hold some, you start to really appreciate for what it really is versus what other people are telling you it is, because you find it emotionally, you start to take on a different journey, you look at things from a different perspective,” the CEO said.

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In this episode of the Smart Property Investment Show, Dominique Grubisa joins host Phil Tarrant to share her personal story which saw her hit rock bottom with excessive debt during the GFC.

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Dominique unpacks how, by relying on her background in law, she was able to overcome that debt and in doing so develop a unique investment strategy which she believes many can utilise today.

Dominique discusses distressed properties, and how she goes about finding them in order to buy property well below market value. She shares the process of identifying distressed properties as well as the controversy surrounding this buying method.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

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To hear more about these services, make sure to tune into this episode of Property Showcase!

 Make sure you never miss an episode by subscribing to us now on iTunes!

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    In this episode of Property Showcase, Michael Beresford joins editor of Wealth James Mitchell to unpack why recent political changes are not reason for concern for Australian investors.<\/p>\r\n

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Many investors who would have been successfully approved for finance last year are struggling now to either begin or continue their property investment journey because of the current financial climate.

In this episode of the Smart Property Investment Show, broker John Manciamelli and Momentum Media director Alex Whitlock joins host Tim Neary to discuss how APRA changes and the royal commission have resulted in a tighter lending economy and what that means for Australian investors.

They discuss what traps investors should avoid if they are trying to obtain finance, the four key growth drivers in a property market and unpacking trust structures while revealing one type of trust that you should miss.

If you like this episode, show your support by rating us or leaving a review on iTunes (The Smart Property Investment Show) and by following Smart Property Investment on social media: FacebookTwitter and LinkedIn.

If you have any questions about what you heard today, any topics of interest you have in mind, or if you’d like to lend your voice to the show, email [email protected] for more insights!

RELATED AREAS OF INTEREST:

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AREAS MENTIONED:

Hobart
Bondi
Deception Bay

 

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More than just bricks and mortar, experts often regard property investment as a ‘game of finance’. As such, a good finance strategy can lead any investor to success.

" ["menu_text"]=> int(1) ["menu_show"]=> int(1) ["page_title"]=> string(53) "Finance Tips and Insights - Smart Property Investment" ["menu-meta_description"]=> string(91) "Financial tips for property investors, from mortgages to cash flow to saving for a deposit." ["secure"]=> int(0) ["page_description"]=> string(11) "sample desc" ["page_rights"]=> NULL ["robots"]=> NULL ["access-view"]=> bool(true) } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["displayDate"]=> string(19) "2018-09-17 06:16:11" ["slug"]=> string(69) "18556:getting-finance-approved-in-this-tightening-lending-environment" ["catslug"]=> string(28) "45:smart-property-investment" ["link"]=> string(89) "/investor-stories-1/18556-getting-finance-approved-in-this-tightening-lending-environment" }
Getting finance approved in this tightening lending environment

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