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大宅

積分: 1839


21#
發表於 05-11-1 16:06 |只看該作者

Re: 個市好"lup"呀

Mrssslui

係呀, 我係打算買, 未諗掂邊區, 想係 tw, 亦考慮 tko. 我而家住緊 tko, 係租既, 所以而家重好努力 save 多 d $$, 諗住係低位買, 希望睇得準時機啦... 我重有半年約呀, 如果時機唔 arm, 樓價又升返, 我都唔會 "間硬"買, 唯有再租啦...


子爵府

積分: 10289


22#
發表於 05-11-1 16:29 |只看該作者

Re: 個市好"lup"呀

其實好難吼得準幾時係最低位,邊有咁理想,到跌市時,個個都諗仲有得跌,唔會買,到真係lum市,啲人更加唔敢買。宜家有禽流感危機,個個都話睇定啲,到真係爆發,又驚唔敢買,到個市升又嫌貴...即係成世唔洗買樓...


大宅

積分: 1860


23#
發表於 05-11-1 16:34 |只看該作者

Re: 個市好"lup"呀

I would buy an apartment when rental payment> mortgage payment. But now it is not the case.


子爵府

積分: 10289


24#
發表於 05-11-1 16:38 |只看該作者

Re: 個市好"lup"呀

唔係喎,如果比3成首期,好多都係租貴過供...


伯爵府

積分: 15050


25#
發表於 05-11-1 16:39 |只看該作者

Re: 個市好"lup"呀

我等緊個市lup呀 低多d我先會買


大宅

積分: 1839


26#
發表於 05-11-1 16:39 |只看該作者

Re: 個市好"lup"呀

pingbaby

都係架, 所以我唔係話要去到最低個 point 先至入市, 講真, 而家成 3,700 ~ 4,000 一呎, 我真係唔想買 lor, 我唔想同間屋打工... 學我老公話事 zhai, 租都唔係差 ah...

我同老公都心裡有數, 大概去到某個 $$, 我地就會入, 我唔係想賺, 只係經驗話我知, "si" 得勁, 我將來想放層樓會 impossible. 我始終係自住, 將來平手放, 我已經好開心啦, d renovation cost 咪當係比租 lor...



大宅

積分: 1839


27#
發表於 05-11-1 16:41 |只看該作者

Re: 個市好"lup"呀

sabina_bb

咁你睇會跌多幾多個 % 呀?


子爵府

積分: 10572


28#
發表於 05-11-1 16:44 |只看該作者

Re: 個市好"lup"呀

我有個同事啱啱同我講話要賣晒手上D樓.
佢話Avian Flu 一旦爆發,全球經濟勢必沉幾年喎.


大宅

積分: 1839


29#
發表於 05-11-1 16:56 |只看該作者

Re: 個市好"lup"呀

Mrssslui

咁大 wor! 不過你同事都幾有米 wor

其實我想買平樓, 不過唔想 avian flu outbreak, 我驚會死好多人, 我而家諗起 sars 個段時間, 重係好驚, 好 sad.


伯爵府

積分: 15050


30#
發表於 05-11-1 17:13 |只看該作者

Re: 個市好"lup"呀

Retail 寫道:
sabina_bb

咁你睇會跌多幾多個 % 呀?

無話跌幾多, 俞多俞好 我覺得呢個disease來世兇兇


子爵府

積分: 10572


31#
發表於 05-11-1 17:13 |只看該作者

Re: 個市好"lup"呀

Avian Flu 必勁過 SARS 好多呀!


子爵府

積分: 10572


32#
發表於 05-11-1 17:14 |只看該作者

Re: 個市好"lup"呀

可能呢一兩個星期就 .......


大宅

積分: 1839


33#
發表於 05-11-1 17:22 |只看該作者

Re: 個市好"lup"呀

Mrssslui

你講到我好鬼驚呀 , 雖然直覺話我知, 應該中國已經有好多人中招, 重要係0係唔同既 area. 但係我無 imagine 到會勁過 sars, 我只係諗一定會 outbreak jar...aiya... 好驚呀...


大宅

積分: 1839


34#
發表於 05-11-1 17:23 |只看該作者

Re: 個市好"lup"呀

不過我公司有好多人病呀. 你地公司有無流感針比你地打呀? 我同我老公間公都有... :mrgreen:


大宅

積分: 1375


35#
發表於 05-11-1 17:55 |只看該作者

Re: 個市好"lup"呀

猴子爸 寫道:
I would buy an apartment when rental payment> mortgage payment. But now it is not the case.


My proposal is alike yours,but has a little bit adjustment. If the rental charge =mortgage payment, I will buy a flat.


大宅

積分: 1839


36#
發表於 05-11-1 18:05 |只看該作者

Re: 個市好"lup"呀

but the rate is going up, how to compare?


大宅

積分: 1375


37#
發表於 05-11-1 21:06 |只看該作者

Re: 個市好"lup"呀

Just use the current rental price to compare with the monthly payment on the current mortgage rate (i.e.rate 5.5%; 30% for first instalment and divided into 20 years for payment). In fact, it is only a roughly calculation.
For example, as my personal case:

I rent a flat for $16,000

The current price of the flat: $6.2million

30% first instalment will be 1.9m
70% mortgage: $4.3m x 6880 (according to the mortgage table which is on the rate 5.5% for 20 years)
The monthly payment should be: $29,500
Of course, some of the payment is used to cover the capital. But I will also consider the interest for my first instalment($1.9m),it can gain interest if I put it to bank or other investment.
Maybe everyone will have their own calculation. This is only my points of view.


大宅

積分: 2734


38#
發表於 05-11-2 09:43 |只看該作者

Re: 個市好"lup"呀

sumheima,
我想知道你住邊度,個租金可以去到咁平?但係樓價太貴啦!租金回報率咁低,又會有人買的呢?


子爵府

積分: 10572


39#
發表於 05-11-2 10:42 |只看該作者

Re: 個市好"lup"呀

好過擺定期呀!


大宅

積分: 1375


40#
發表於 05-11-2 13:10 |只看該作者

Re: 個市好"lup"呀

Dear sara,

It's Royal Ascot in Shatin. It seems it is not a good idea to buy a flat here if the comparisions between rent and sale have such difference. Unless, the rental price raise up 20% or the selling price drop down 15% in the coming future. I like this place and want to buy a flat here, but I am worry the price will drop rapidly if no a reasonable rental price to support it.
?-(

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