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97^#

發表於 12-5-23 19:41 |只看該作者

這樣的經濟狀況突然有BB可否應付到

睇你點睇。。。。兩公婆月入8萬拎左2萬5去住屋。。又要俾家用。。又未計食。。。窄左少少。。不過無話養唔到。。。照顧小朋友係講心唔係講金。。。

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96^#

發表於 12-5-23 18:58 |只看該作者

ninemonths 發表於 12-5-23 18:10
Thx... Not much saving, around 1.5 m I think. My in laws n husband like city apartment with good fen ...

30% downpayment for a 8M flat is 2.4M. If your in-laws are able to chip in 1M, you should be able to buy the flat together with your own 1.5M savings.
It sure is nice if you can catch the low tide but very few of us can predict the market so precisely (if I were able to do that, I'd have been working on Wall Street making mega bucks already :)). To me, my own residence is a necessity more than an investment so I am not as sensitive to price as to other investment products. And since you will be holding the property for a relatively long period of time, the temporary ups and downs become meaningless as cycles even out in long run. The general trend on property prices has been going upward and at a pace much faster than general inflation for the past decade, and quite frankly, I don't foresee any big drop in near future especially for properties on HK Island with such limited land supply. So chances are, the longer you wait, the harder it is for you to get onboard.

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積分: 1609

95^#

發表於 12-5-23 18:19 |只看該作者

引用：Quote:ninemonths+發表於+12-5-23+15:58+we

原帖由 木土土 於 12-05-23 發表
就算點加人工，早兩三年你地都怕且有七八萬蚊一個月啦，當時都應該afford到買500萬既樓啦，咁點解當年又唔 ...

Right. But 2-3 years ago our bank accounts hv little money, can't even pay 10%! N sure, in laws thought price was too high then... N so we missed getting our first apartment. But we hv learnt our lesson, will try our "luck" in the coming future,, hopefully.

first we need to 開源節流。

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積分: 1609

94^#

發表於 12-5-23 18:10 |只看該作者

引用：回覆+ninemonths+的帖子 So+how+much+savi

原帖由 mugtaitai 於 12-05-23 發表
回覆 ninemonths 的帖子

So how much savings do you actually have? Is it enough to pay for the downpa ...

Thx... Not much saving, around 1.5 m I think. My in laws n husband like city apartment with good feng shui .... While I highly value convenient locations. So... I know we r 眼高手低，will wait for a bit of drop , then try 入巿。 in laws are eager to help us with down payment,,, n that also implies I hv less say in final decision....

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93^#

發表於 12-5-23 17:14 |只看該作者

ninemonths 發表於 12-5-23 15:58
we earn not as much previously, raising salary each year jei... N I think I've slightly u ...

就算點加人工，早兩三年你地都怕且有七八萬蚊一個月啦，當時都應該afford到買500萬既樓啦，咁點解當年又唔買呢？我覺得其實你地上唔到車，唔係因為經濟上afford唔到，而係你地一路都覺得樓貴想等平d先入巿，點知越等越升。仲有，800萬而家應該都買到三四房巿區單位，但係咪真係要一開始就買到咁大唸住呢世都唔換樓呢？我自己同大部分朋友都係基層出身，無靠父母上車，個個都係準備結婚前四五百呎開始買（may not be 巿區），一路換到而家個個都起碼住3房以上既優質屋苑。要上車，入巿既態度好緊，當年我男友買第一間屋時(好似92年），睇住樓價幾個月就升咗兩成，自己剛落訂既樓又俾人tart細訂

，根住係落訂再買番間貴咗但未睇過既2手樓，咁勇係因為知道個時唔買，再升就一定買唔起。所以買樓時機除咗睇樓價外，衡量自己能力先最緊要。係香港有自己既安樂窩好緊要，生活上既安全感大很多！希望你黎緊都可以把握到適合自己既上車時機，good luck ！

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積分: 28241

92^#

發表於 12-5-23 17:10 |只看該作者

回覆 ninemonths 的帖子

So how much savings do you actually have? Is it enough to pay for the downpayment of a smaller flat? I understand that you want a nicer flat (who doesn't?) but the price has been increasing in a pace much faster than your income. Would you consider buying a slightly cheaper flat that you can afford just to get onboard first? This won't be your ultimate dream house but having a property on hand helps you to hedge inflation. I don't think you'll have any problem in terms of cash flow with over 120k income per month so you can go max on monthly payment and borrow as much as you can. Once you save up another lump sum a few years down the road, you can sell this small flat and switch to a bigger nicer one.
Taking small steps one at a time is much easier than taking big leaps at once. Just my humble 2 cents.

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積分: 1609

91^#

發表於 12-5-23 15:58 |只看該作者

引用：Quote:原帖由+ninemonths+於+12-05-23+發表

原帖由 木土土 於 12-05-23 發表
月薪超過12萬而支出只係兩萬幾，減去15%交稅，一個月起碼儲7萬，減咗出外旅遊一年都儲超過80萬。800萬既樓 ...

we earn not as much previously, raising salary each year jei... N I think I've slightly underestimate our expenses, perhaps a few thousand more each month. Besides, however hard we try to save, property price increased over 1m in the past year! ! It was around 5-6m two years ago, now near 8m

that's wat I mean by 難上車! Inflation makes our hard earnings even of less value

n we can't offset it without owned property . Ai... Difficult life ..

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Venus@Tse

複式洋房

積分: 219

90^#

發表於 12-5-23 14:11 |只看該作者

引用：Quote:木土土+發表於+12-5-22+14:17+絕對認

原帖由 mugtaitai 於 12-05-22 發表
非常有同感。作為父母，我也總是忍不住盡力為孩子提供最好的生活，處處為他們鋪路，自己當日吃過的苦走過的 ...

現今家長就是太過為孩子準備了，所以現今的孩子不懂自理且逆境應變能力也不好。

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89^#

發表於 12-5-23 14:07 |只看該作者

引用：Quote:原帖由+木土土+於+12-05-23+發表nine

原帖由 ninemonths 於 12-05-23 發表
前者啦

月薪超過12萬而支出只係兩萬幾，減去15%交稅，一個月起碼儲7萬，減咗出外旅遊一年都儲超過80萬。800萬既樓俾3成首期只是你地過去3年既積蓄，當2厘息供20年月供唔洗3萬，完全唔明白點解會'hard to上車'！

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Annie-b

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積分: 1855

88^#

發表於 12-5-23 13:53 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

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積分: 1609

87^#

發表於 12-5-23 13:50 |只看該作者

引用：ninemonths,+你地家庭收入究竟係8萬還是3萬

原帖由 木土土 於 12-05-23 發表
ninemonths, 你地家庭收入究竟係8萬還是3萬既1.5x倍呢？

前者啦

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86^#

發表於 12-5-23 09:22 |只看該作者

回覆：ninemonths 的帖子

ninemonths, 你地家庭收入究竟係8萬還是3萬既1.5x倍呢？

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85^#

發表於 12-5-23 02:20 |只看該作者

引用：Quote:jessicatsehk+發表於+12-5-19+13:02+

原帖由 mugtaitai 於 12-05-20 發表
我試試

假設：三口之家，夫婦均有工作，月入3萬，有工人，住小型私樓

It's a major difference if you hv parents assistance in owning the first property. Our income is at least 1.5x of 樓主 , no need pay rental (lives with in laws) , one baby n one maid . Total expense exc tax is around 24k per month( rough estimation, 計了娘家家用，夫家不要. 未計旅行.) no self owned property , no car ( which i dun mind) , n I still feel very 'poor' in the sense that we find it hard to 上車 ! We can't buy or rent public housing, n frankly, wun consider flats that are too shabby or far from city... So not left with much choice indeed. We are aiming for a flat of around 6m - 8m when property market drop, u think it's reasonable ? Or we could only afford a flat around 5m-6m ?

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84^#

發表於 12-5-22 14:34 |只看該作者

木土土發表於 12-5-22 14:17
絕對認同做人要靠自己，唔好恕天尤人！我反而擔心子女在這富足(比較我地以前)環境下成長，無發憤向上既動力 ...

非常有同感。作為父母，我也總是忍不住盡力為孩子提供最好的生活，處處為他們鋪路，自己當日吃過的苦走過的冤枉路總是不想他們重蹈覆轍，但不吃過苦不走過冤枉路又可能永遠學不會堅強發憤，非常非常矛盾

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83^#

發表於 12-5-22 14:17 |只看該作者

引用：Quote:rambojai+發表於+12-5-21+22:28+但係

原帖由 mugtaitai 於 12-05-22 發表
是的，我非常幸運父母有能力資助我置業，如不，我得靠自己，也許就要遲多好多年才能置業。因此我對所有靠自 ...

絕對認同做人要靠自己，唔好恕天尤人！我反而擔心子女在這富足(比較我地以前)環境下成長，無發憤向上既動力，自己又好多時又忍不住處處為他們舖路，非常矛盾！

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