樓市動向 今日: 4 | 主題: 74569

積分: 2840

1^#

發表於 08-6-2 18:43 |只看該作者 |倒序瀏覽 |打印

請問你們意見, 下半年二手樓樓價升還是跌呢? 其實我等緊佢跌多些才買得起樓呀!!!

0 0 0

私人傳訊

beautyhar

積分: 1130

2^#

發表於 08-6-3 10:10 |只看該作者

UP...........

私人傳訊

iamfine

別墅

積分: 593

3^#

發表於 08-6-3 10:23 |只看該作者

原文章由 穿山甲 於 08-6-2 18:43 發表
請問你們意見, 下半年二手樓樓價升還是跌呢?

I wish I knew.

其實我等緊佢跌多些才買得起樓呀!!!

Buying a flat is never easy. It is not easy during the good times when the economy is good; It is not easy during the bad times. Let's face it - it is not going to happen. Buying your first property is never never never going to be easy.

I have said it before and I say it again. Buying a flat is only difficult because people are too accustomed to living on overdraft. Look around yourself, am I correct that your friend Peter is living in a 700 ft2 flat whilst he only has money to buy a 500 ft2 one, your neighbour Paul uses a large part of his incomes to rent a flat in a new development only to use the lovely club house once a month, and your colleague Mary rents a flat in mid-levels only to make herself look "upper-class"? Think about it. No doubt Peter Paul and Mary will find it difficult to buy a flat. They are all living on overdraft.

Buying your very first property is not going to be easy. But the good news is things will get easier and easier. In about 10 years' time you would congratuate yourself for choosing the difficult way. Trust me. You would be more than glad that you do not have to move every two years and to face rent increase when you are 50 years old.

It is true that you can live in a better place without incurring a huge initial lump sum if you choose to rent and not to buy. But you are living on your future income and your life after retirement will suffer. My advice is - buy early. Buy it although it is not your dream home. Let's start the difficult part when you are young. Or, if you want to rent, limit your budget to what you can buy instead. For example, if you can buy a $3.5m flat and afford to pay $15k for mortgage, rent something that costs you $15 per month. Yes, I know that you will say that you feel comfortable with renting a nicer flat for $25k because yo don't have to pay 30% downpayment. Silly you. You cannot really afford the $25k one. You need the extra dollars for your post-retirement life. If you rent the 25k, you are financing the property market at your own costs. Congratulations to your landloard.

私人傳訊

shuna

積分: 4622

4^#

發表於 08-6-3 11:42 |只看該作者

totally agree with what iamfine said. many people just buy a house that they are not affordable. the monthly payment for mortgage should be 30% of total income. If u can't afford it, buy a house that is not so expensive. otherwise, u will regret when the house price deeply drops. Take the experience of 1997. Location location location are the most important criteria of buying a house. not the house club. Take a friend's example: bought a house in fan ling at $3 million in 1997. not only half price of it. Can't see any treand to rise back to her buying price. Another friend bought a house at the same price in Hong Kong Island, now back to his buying price. See the difference? My advice is: buy a house that u are affordable to pay for mortgage and in good location.

私人傳訊

積分: 25495

5^#

發表於 08-6-3 12:07 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

Jackielee

積分: 1816

6^#

發表於 08-6-3 13:08 |只看該作者

我都有同朋友傾呢個話題，有睇升亦有睇跌，升跌都有自己嘅理據。
其實我覺得好多所謂專家，都係馬後砲，有啲估錯咗嘅就會話出現咗啲意想不到嘅原因。
所以，老土啲講，買樓呢的人生大事，最好係按照自己需要同能力囉！

原文章由 穿山甲 於 08-6-2 18:43 發表
請問你們意見, 下半年二手樓樓價升還是跌呢? 其實我等緊佢跌多些才買得起樓呀!!!

私人傳訊

ac321

侯爵府

積分: 24705

好媽媽勳章

7^#

發表於 08-6-3 15:18 |只看該作者

agree!
If we know 二手樓價下半年升, then landlord will not sale their flat now. => the market will no supply!
If we know 二手樓價下半年跌, then no buyer will buy flat now. => the market will no demand!
i.e. even 二手樓價下半年升還是跌, our city will be under the system of republicanism .................

原文章由 Jackielee 於 08-6-3 13:08 發表
我都有同朋友傾呢個話題，有睇升亦有睇跌，升跌都有自己嘅理據。
其實我覺得好多所謂專家，都係馬後砲，有啲估錯咗嘅就會話出現咗啲意想不到嘅原因。
所以，老土啲講，買樓呢的人生大事，最好係按照自己需要同能力囉！

...

私人傳訊

積分: 3828

8^#

發表於 08-6-3 15:22 |只看該作者

原文章由 穿山甲 於 08-6-2 18:43 發表
請問你們意見, 下半年二手樓樓價升還是跌呢? 其實我等緊佢跌多些才買得起樓呀!!!

如果你有住屋需要, 而又供得起就買囉, 你一日唔賣出去, 個市跌都冇問題架.
同樣, 個市升, 你唔賣d錢都唔落你袋啦.

私人傳訊

積分: 25495

9^#

發表於 08-6-3 15:31 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

積分: 3828

10^#

發表於 08-6-3 15:57 |只看該作者

原文章由 ha8mo 於 08-6-3 15:31 發表
不一定
個市跌 -> 骨牌效應拖累經濟 -> 大左機會由所謂「供得起」變成供不起
唔賣出去，但可加按，又或提高你自身信貨評級，申請信用咭都易D ...

如果個市跌, 經濟差, 就會供唔起, 我不是太明白.
是否係話會減人工或裁員之類

如果係, 我要加一個因素, 要知道自己份工好穩定, 只用3成人工去供樓, 咁就考慮買啦.

我都識人仲供緊層負資產樓.

私人傳訊

積分: 25495

11^#

發表於 08-6-3 16:06 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

積分: 3828

12^#

發表於 08-6-3 16:14 |只看該作者

原文章由 ha8mo 於 08-6-3 16:06 發表
咁講法佢個息口仲係會高過人添喎
宜家就話個個供緊P減幾
但以前係講P加幾
一來一回隨時差3至4厘
何苦要攬住個大包袱做人？

換過層樓可能風水夾D呀

...

個朋友詳細係點我唔清楚呀, 佢只係話賣要補差價所以繼續供咋.

好似你咁講都啱.

私人傳訊

HELENCHOW

別墅

積分: 887

13^#

發表於 08-6-3 20:05 |只看該作者

開始進入牛市二期!

私人傳訊

ac321

侯爵府

積分: 24705

好媽媽勳章

14^#

發表於 08-6-4 10:14 |只看該作者

Where did she buy?

原文章由 beagledog 於 08-6-3 16:14 發表

個朋友詳細係點我唔清楚呀, 佢只係話賣要補差價所以繼續供咋.

好似你咁講都啱.

私人傳訊

積分: 3828

15^#

發表於 08-6-4 10:34 |只看該作者

原文章由 ac321 於 08-6-4 10:14 發表
Where did she buy?

荃灣海濱

私人傳訊

ysnmama

男爵府

積分: 8003

16^#

發表於 08-6-4 11:11 |只看該作者

海濱高峰期摸頂入, 真的現在仍是負資產. 因為地區問題, 比較難追.

私人傳訊

vanessa08

積分: 2580

好媽媽勳章

17^#

發表於 08-6-4 11:22 |只看該作者

原文章由 HELENCHOW 於 08-6-3 03:05 發表
開始進入牛市二期!

請問二期通常可以有幾長?

私人傳訊

積分: 25495

18^#

發表於 08-6-4 11:47 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

靖兒