As high-net-worth individuals reassess their asset allocation strategies, overseas property—particularly in Australia with its stable economy and high quality of life—has become an increasingly attractive option. With budgets ranging from 3 to 5 million Chinese yuan (approximately $415,000 to $690,000), what kind of properties can one acquire in Australia? How should investors select homes suitable for residence, retirement, and investment purposes? This article examines premium property options across Australia's most desirable locations.

Sydney: Waterfront Living in a Global Metropolis

Sydney, Australia's economic hub and most cosmopolitan city, attracts global attention with its stunning natural scenery, multicultural environment, and world-class infrastructure. Within this budget range, investors can acquire elegant apartments offering convenient urban living.

Melbourne: Diverse Options in the Garden City

Frequently ranked among the world's most livable cities, Melbourne offers cultural richness, beautiful urban landscapes, and high-quality lifestyle options. Within this price range, buyers can choose from apartments, townhouses, or detached villas.

Key Considerations for Overseas Property Investment

International real estate investment requires careful evaluation of multiple factors:

• Currency risk: Exchange rate fluctuations may impact returns
• Financing policies: Varying mortgage conditions across markets
• Property management: Requires professional local services
• Tax implications: Complex cross-border taxation issues

Australia's property market continues to attract global investors with its stability and growth potential. While the 3-5 million yuan budget offers numerous options in Sydney and Melbourne, thorough due diligence remains essential for successful overseas investment.