坦白講,如果我有大把$(吾優食,吾優住,吾優仔女,吾優退休生活,吾優物價升),我實吾會買樓!我會租下山頂d樓,又租下海邊d house,四周住下吾同style既屋..........
可惜 I am too poor,我要考慮退休後冇收入既生活,我要考慮十年八載後物價升幅,我重要考慮10幾年後仔女升學使費........
所以我冇得選擇,一定要盡早供完自住層樓!:-( :-(
原文章由 ac321 於 08-1-31 11:47 發表
坦白講,如果我有大把$(吾優食,吾優住,吾優仔女,吾優退休生活,吾優物價升),我實吾會買樓!我會租下山頂d樓,又租下海邊d house,四周住下吾同style既屋..........
可惜 I am too poor,我要考慮退休後冇收入既生活,我要考慮十年八載 ...
原文章由 ac321 於 08-1-31 11:47 發表
坦白講,如果我有大把$(吾優食,吾優住,吾優仔女,吾優退休生活,吾優物價升),我實吾會買樓!我會租下山頂d樓,又租下海邊d house,四周住下吾同style既屋..........
可惜 I am too poor,我要考慮退休後冇收入既生活,我要考慮十年八載 ...
If you expect the property market is only大漲小回, it seems not worth to sell now and buy later as the transaction cost is relatively high as compared to other investments.
For example, I bought the flat in 2006 for $8.5m and now the market is talking about $14-15M. You know, the figure is really tempted to a little C9 like me. However, my hubby told to me forget about it unless (1) we believe the market will drop by over 40% within 2-3 yrs or (2) the present property is not suitable for us within coming 5 yrs or (3) I am willing to downgrade our current living standard. His argument is, assume we want to repurchase the same house or maintain at this standard, if the market dropped by $3m (~25%) to $11M in 2 years, the cash gain is talking about $3-4M. However, I spent ~$1M in stamp/ agent commissions and renovation in last purchase. If the same thing happens again, it means the total transaction cost to us is ~2M. Then, I need to spend at least $1M to rent the house for 2 years. Therefore the real cash return to me is just ~$1M but we have to face the hassle of property hunting and house moving at least twice or more. Then how about the time and hassle on next renovation? My hubby asked me rather to concentrate on him, the kids and the job.