I prefer buy a flat because it provides a stable family life. Moreover, the Hong Kong's economy is being better now. So, it is a good time to buy a flat.
Actually I prefer renting a flat, because I like moving house. But each time I am unluckily met some terrible owners. I need to deal with them, write letters or call them about the defects at the house.
My suggestion is that if you do not have any plan of investment, buying a flat is a good way for saving and keeping the money. Otherwise, the return in other investment market is also attractive.
The price of an apartment has increased so much and dramatically in the past two years, however our salary have not increased at the same large extent. It is not rational. I suggest to rent first and wait for the drop of the price of housing and then buy one. Remember, everything goes Up and Down. It is a cycle. Why don't save more money now and buy a bigger apartment later.
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