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男爵府

積分: 7712

好媽媽勳章 畀面勳章


1#
發表於 07-4-8 00:43 |只看該作者

可唔可以教我點做?

原本準備生第二個bb,因與大仔相差7年,但而家同老公屋企人嚴重不和,想搬出去住,如果租樓要幾千蚊,不如自己買樓,但資金唔多,更加唔使生bb,如再住落去真係好辛苦,有屋企等如無屋企,老公又辛苦,大家可唔可以教我點做?買樓/租樓/再住落去生bb/再住落去唔生bb儲錢(如唔生bb我覺得對我同老公同個仔都唔公平).點算? :-( :-(


珍珠宮

積分: 40343

好媽媽勳章 醒目開學勳章 陪月勳章


2#
發表於 07-4-8 01:25 |只看該作者

Re: 可唔可以教我點做?

1.唔明白點解你話"如唔生bb我覺得對我同老公同個仔都唔公平", 有咩"唔公平"??
2.我覺得買樓/租樓只不過係"住"的形式, 人唔一定要買樓至有個"安落窩", 因為買樓都可能造成極大負擔, 又點會"安落"? 唔駛咁執著於買定租, 重點應該放在"搬定唔搬".
3.個人認為你最大的問題係你的想法, 「生」就話可能同居住環境有關, 但真係唔明「唔生」同成件事又有乜關係? 如果咁多問題點解仲要諗生bb?
當然一家唔知一家事, 我只能憑我的愚見去講, 希望你明白我意思.


男爵府

積分: 7772


3#
發表於 07-4-8 02:47 |只看該作者

Re: 可唔可以教我點做?

Renting a compartment is not in bad sense, especially when the capital is insufficient.

I also rent instead of purchasing a flat. Renting is more flexible. When the flat is old, simply rent another newer one, no need to shoulder the maintence fee. When the income is decreasing, simply rent a cheaper one. Mortage is really a heavy burden to many familes and it usually keep increasing. So if you cannot afford 30 percent deposit, renting a flat may be better. The increasing interest rate shall also be taken into consideration.

Money is one of the important factors that we need to consider before having a baby, but it is the whole.

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