樓市動向 今日: 0|主題: 74655

Denbee 寫道:
I am the same..I just sold my flat and rent a flat.
I had paid the mortage for 5 years already, but still want to sell it. The interest rate is too high, I paid HK$7300 per month, just 30% of my family income, however just HK$2000 deducted from the loan, HK$5200 for the interest. And also HK$1200 for the management fee and Land Rate. It is not worth to keep the flat. After i sold my flat, I can get some money back, invest...& invest...

Even I get 10% return every year, it is mostly cover the rent fee...Remember the management fee and land rate are also saved...HK$18000 per year..
The investment profit may be more in the years...the mining fund..the gold price and also the Golden Four Countries..there are a lot of chances for investment..much more better than holding a property.

The flat i rent now is bigger than my old flat, more convenient, shopping centre/cinema nearby..i have spent some money to decolorate it, even it is not my own house..to make myself staying happily.
Always in mind that..the difference between 'Poor Dad' & 'Rich Dad' is the money floating flexibility.

And also, there is no hope for the property market..less and less young people ...the main source of young people are from mainland China, they are not afford to buy a private flat mostly..they relies on public housing. The public housing will be released in Year 2007..so many flat for selling..The middle range of housing will be affected..esp selling price HK$1.2M-HK$1.8M private market.

Even Sun Hung Kei 's management said they will aim at the selling quantity rather than the selling price in the future..

there is no need to make your life burdened by a property...

winghw 寫道:
我就剛剛租佐層樓。準備下星期搬。依家住的樓係買的。思前想後，我都係決定賣佐層樓租樓住。
因為愈來愈覺得，買樓真係制唔過。除非自己已經有一筆錢，可以係十年內供完層樓。以我的情況，我層樓要供30年，供佐兩年，還佐俾銀行的錢都可能得兩三萬，但每個月就供接近一萬。銀行的利息不停地加，只係去年，就因為加息，每個月我要俾多二千幾俾銀行。而且，個女出生後，更覺得間屋唔夠住，一年後，BB唔再睡BB床，我都唔知係邊到擺多張床俾佢睡。每個月花咁多錢供層樓，一來唔夠住，二來要成世幫銀行打工，真係愈唸愈覺得慘。
當然，我明白買樓的安定感覺。但以我既能力，要換層大D既樓，就要買接近20年樓齡的舊樓。咁樣一樣要供超過20年，到供滿，層樓又舊到唔值錢了。
除非樓價大跌，否則我唔會打算再買樓了。香港的樓市，根本俾班地產商操控，我地D打工仔，真係玩唔起。 :-(

hkchina2000 寫道:
winghw, 明白你既意思, 不過我想指出幾樣, 買的話, 月供只會隨利率升降而上落. 如果租, 會隨經濟表現及通漲而上落.

如果你話買係幫銀行打工, 咁租亦係幫緊業主打工.

如果樓市真係俾班地產商操控, 就更應買, 因為如果係, 就只會升不會跌. 樓市是受市場操控的, 而發展商只是市場參與者的其中一個.

我認為, 你咁迷惘的一個重要原因, 係因為你買左一層太貴的樓. 現在供樓人士的平均供樓支出是約收入的30%, 請問你當時是多少?

hkchina2000 寫道:
17000個居屋貨尾都唔算多, 因為1990至2004年15年間每年平均住宅供應量42,588個, 未來三年每年只會有約二萬個.

呢兩年新樓消量由42K個減至17K個, 主要原因是港人信心未灰複. 現在很多人仍然將今日的樓價與03年的樓價相比, 得出 "現在樓價已很高" 的結論. 有早一日, 大家接受了今日的樓價, 壓抑多年的購買力就必將被引發. 而呢一日, 在經濟持續增長及通漲重臨的推動下, 正一日一日地行近.