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Baby Kingdom - 親子王國香港討論區 › 首頁 › 樓市動向› 樓市可望繼續向上...

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樓主: Miranda_Ho

樓市可望繼續向上... [複製鏈接]

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Ruby1219

男爵府

積分: 6644

61^#

發表於 09-9-25 11:16 |只看該作者

回覆 20# cowkingb 的文章

same as you, i plan to buy (now renting) a smaller flat later if I can 'get rid' of a full time maid and hire a part time to just cook and do the house work instead.
am training my son to go out for extra curricular activities by himself.
but since he finishes school at 12.30pm now and he needs to take lunch at home, now it's not the good time to make the change.
'fortunately', now the property price is too high for me to consider buying a flat.
so, might as well wait and see.

私人傳訊

carpisam

男爵府

積分: 7731

62^#

發表於 09-9-25 12:43 |只看該作者

原帖由 MRNT 於 09-9-23 08:53 發表
呢句真，我都唸過，樓市同圖表有乜關系，如果有，你估氣溫同圖表又有無關系？昨日突破阻力位的32.3C, 下一個阻力位係35.2C? 哈哈哈。

根本兩樣都唔可以睇圖表

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jen0528

民房

積分: 30

63^#

發表於 09-9-25 15:08 |只看該作者

原帖由 MRNT 於 09-9-23 08:53 發表
呢句真，我都唸過，樓市同圖表有乜關系，如果有，你估氣溫同圖表又有無關系？昨日突破阻力位的32.3C, 下一個阻力位係35.2C? 哈哈哈。

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cowkingb

大宅

積分: 3183

64^#

發表於 09-9-25 15:51 |只看該作者

原帖由 Hailey_Man 於 09-9-25 01:15 發表
be careful, i believe that the correction for property market will come next year once the global interest rate start to increase. ***borrowing cost will increase sharply next year

Thanks, Hailey_Man. I have prepared for it actually. Now the amount I reserved for the mortgage repayment every month is more than enough for paying the CAP rate. So the balance after paying the mortgage will be our extra savings every month. For the current cheap rate we will save more, once the mortgage rate goes up, we will save less and it will be the only difference to us...

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cowkingb

大宅

積分: 3183

65^#

發表於 09-9-25 15:56 |只看該作者

原帖由 Ruby1219 於 09-9-25 11:07 發表
how old is your kid now ?
I also want to 'get rid' of a full time maid, but may need to wait for 2 more years when my son enters secondary, as I am a working mom. He is now having half day school onl ...

My boy is now in his 2.5 years old. Honestly it is my dream to be a full time mammy, I did it for one year when my boy was less than 3 mths old. I think it would be more enjoying if I can be a full time mammy now but I can't as I want to save more money for my son and for my retirement. So whether I will be a full time mammy finally is still a question mark to me, but I am really dreaming of taking my son to school and home everydays.... so warm....

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c-wong

伯爵府

積分: 15999

66^#

發表於 09-9-25 16:02 |只看該作者

原帖由 cowkingb 於 09-9-25 15:51 發表

Thanks, Hailey_Man. I have prepared for it actually. Now the amount I reserved for the mortgage repayment every month is more than enough for paying the CAP rate. So the balance after paying the ...

same! i have also factored in the rate will increase in 1-1.5 years' time if i buy my next flat, but most likely at 0.5% which does not make a v big difference.

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cowkingb

大宅

積分: 3183

67^#

發表於 09-9-25 16:03 |只看該作者

原帖由 MRNT 於 09-9-25 11:07 發表
聯儲局前日開會話要維持寬松貨幣政策，市場普遍預期豈馬未來半年美國唔會加息。

係就好囉..

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cowkingb

大宅

積分: 3183

68^#

發表於 09-9-25 16:20 |只看該作者

原帖由 c-wong 於 09-9-25 16:02 發表

same! i have also factored in the rate will increase in 1-1.5 years' time if i buy my next flat, but most likely at 0.5% which does not make a v big difference.

0.5%............... i hope so.....i prepared for 2.5% CAP rate ga... no one knows...

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c-wong

伯爵府

積分: 15999

69^#

發表於 09-9-25 16:23 |只看該作者

原帖由 cowkingb 於 09-9-25 16:20 發表

0.5%............... i hope so.....i prepared for 2.5% CAP rate ga... no one knows...

i think will add 0.5% each time. unless econ is v good. if econ is v good, then we may earn more income. i prepared for 3% cap rate. HSBC offered cap rate 2.1%, so if add 2x 0.5%, still within our tolerance level.

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c-wong

伯爵府

積分: 15999

70^#

發表於 09-9-25 16:25 |只看該作者

the only concern for me after buying a flat is i need to have very strong mindset and EQ not to be affected by the short-medium downturn. this will make us unhappy if we know lower levels sold at 10% lower than our flat.

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cowkingb

大宅

積分: 3183

71^#

發表於 09-9-25 16:40 |只看該作者

原帖由 c-wong 於 09-9-25 16:25 發表
the only concern for me after buying a flat is i need to have very strong mindset and EQ not to be affected by the short-medium downturn. this will make us unhappy if we know lower levels sold at 10% ...

yes, it's hard to convince myself not to be sad if the price goes down in next year. the price of my last property went down for more than 1/3 of my purchasing price during SARS, really scary.

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MRNT

男爵府

積分: 7367

72^#

發表於 09-9-26 11:09 |只看該作者

原帖由 cowkingb 於 09-9-25 16:40 發表

yes, it's hard to convince myself not to be sad if the price goes down in next year. the price of my last property went down for more than 1/3 of my purchasing price during SARS, really scary.

所以買左之後就唔好去check價，免得自尋煩惱。