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1^#

發表於 06-4-6 10:10 |只看該作者

有無人買一層供樓租出去, 而又租一層自住呢?

請問你地有無人都會咁ga? 有什麼利弊呢? 請大家比d意見!

私人傳訊

積分: 1699

2^#

發表於 06-4-6 10:20 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

mission 咪係囉, 佢有兩間租俾人, 但自已就租人屋住.

我覺得有d奇, 租人屋住就無得免稅, 出租俾人就要交稅, 如果自住仲可以有自住利息免稅添.

mission, 可否解釋下你點解咁做啊?

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

私人傳訊

積分: 13831

3^#

發表於 06-4-6 10:49 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

hkchina2000 寫道:
mission 咪係囉, 佢有兩間租俾人, 但自已就租人屋住.

我覺得有d奇, 租人屋住就無得免稅, 出租俾人就要交稅, 如果自住仲可以有自住利息免稅添.

mission, 可否解釋下你點解咁做啊?

These two properties are small sized flats (less than 600 ft) and very old buildings (without mortgage).
The location and size of properties cannot serve my needs, that's why I am renting my present residence two years ago.

At present, it's unwise to buy a new property for the sake of rent out because normally the yield is only about 3-4% a year.

私人傳訊

積分: 1699

4^#

發表於 06-4-6 10:52 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

咁有無考慮過賣左果兩間細的?

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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Mrssslui

積分: 10572

5^#

發表於 06-4-6 10:54 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

係囉!分析來聽下.

hkchina2000 寫道:
咁有無考慮過賣左果兩間細的?

私人傳訊

積分: 13831

6^#

發表於 06-4-6 11:09 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

hkchina2000 寫道:
咁有無考慮過賣左果兩間細的?

Yes, particularly last year when I have the bad experience with previous tenants that delayed my rent and have different sorts of complains that needed my attention. As I can gain an average of over 30% increase in rent from my previous tenancy agreements ( the rent has increased in recent years), I am content of renting my properties out again instead of selling.

私人傳訊

積分: 1699

7^#

發表於 06-4-6 11:13 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

哦! 原來租金係會持續上升既.

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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christy-mama

積分: 10448

8^#

發表於 06-4-6 11:30 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

咁如果層樓要供呢, 放租係唔係無嘜得益呀? ?-(

私人傳訊

積分: 13831

9^#

發表於 06-4-6 11:31 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

I have to pay at least $5000 more on top of my present rent if I am going to rent another flat (same size of my residence) in same location.

:-|

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mo2011

積分: 1016

10^#

發表於 06-4-9 08:07 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

我真係無咁唸過!可能以前租人樓住唔多happy, 個業主好唔負責任! 攪到我對租人樓住無mug好感!

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hkcindy

積分: 3899

11^#

發表於 06-4-9 15:27 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

mo2011... me2.. 我而家都係租樓住, 我個業主好衰, 我都想搬, but 又搬又好ma fan, 而家都唔知點算好.

我都係有一層樓租比人, 因為得4百幾呎唔夠住, 而家等個租客走我都想賣左去.

私人傳訊

mo2011

積分: 1016

12^#

發表於 06-4-9 15:33 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

hkcindy 寫道:
mo2011... me2.. 我而家都係租樓住, 我個業主好衰, 我都想搬, but 又搬又好ma fan, 而家都唔知點算好.

我都係有一層樓租比人, 因為得4百幾呎唔夠住, 而家等個租客走我都想賣左去.

不過我唔係租樓, 而係供緊樓, 你個租約幾時到期?
4佰幾呎真係好細, 遲多一兩個月賣啦! 我估個市會上番!

私人傳訊

積分: 1699

13^#

發表於 06-4-9 21:14 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

其實個樓價自今年一月開始已持續上升, 可參考今日報紙:" http://appledaily.atnext.com/template/apple/art_main.cfm?iss_id=20060409&sec_id=15307&subsec_id=15329&art_id=5814875

右下角個圖.

香港開阜以來咁多年, 以今日樓價計算, 只有96下半年至98年買樓的人才蝕錢, 但卻嚇怕左好多人. 我估過多兩三年, 我可以改話"香港開阜以來咁多年, 以今日樓價計算, 幾時買既, 今日都賺錢."

[img align=left]http://img7.picsplace.to/img7/25/0578-1.jpg[/img]

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matthew_mama

積分: 4912

14^#

發表於 06-4-10 10:07 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

mission
如果我想問
1.買2層150萬以下樓收租，如可自給自足,繼續租樓,因如買現在住的要貴多15000支出，因95%按及小樓作back up,once 無$$仍有樓住

但定係buy現在租的地方呢?
因my hus想投資in stock market rather than flat
thanks

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MrsFung

積分: 12659

15^#

發表於 06-4-10 10:21 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

我識幾個朋友都係負資產，佢地都係將間屋租比人住，自己就再租外面大d單位住。

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vic6

積分: 2211

16^#

發表於 06-4-10 10:32 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

有朋友都是將自己屋rent出去, 而自己再rent一間方便上班.

vic6

私人傳訊

積分: 13831

17^#

發表於 06-4-10 11:53 |只看該作者

Re: 有無人買一層供樓租出去, 而又租一層自住呢?

matthew_mama 寫道:
mission
如果我想問
1.買2層150萬以下樓收租，如可自給自足,繼續租樓,因如買現在住的要貴多15000支出，因95%按及小樓作back up,once 無$$仍有樓住

但定係buy現在租的地方呢?
因my hus想投資in stock market rather than flat
thanks

Hi matthew_mama,

I won't suggest buying properties and rent it out at this moment, since the opportunity cost is high. Property price is not cheap now and the return for property investment from renting out is only about 3-4% per annum (in average). A lot of banks can offer similar return for fixed deposit if your deposit amount is large. Investing in safer blue chip stocks like HSBC, Hang Seng Bank, CLP etc. can also yield more or less similar return from interest each year .

Besides costs of buying a property like stamp duty, comission, legal fee, etc., there are costs (incl. hidden ones) in renting a flat out, like renovation free (for old buildings), increasing rates and property tax (need to prepay in advance like salary), decoration and redecoration costs before and after the tenant moves-in and out, and the cost that you cannot get any rent when your flat is not/unable to rent out, etc.

*If you buy a property on mortgage the burden will not be low with the increase of interest rate which no one can predict precisely when it's going to stop. ( maybe when it ends the economy starts to go downtrend, who knows)

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mo2011