在這4.83年 我便可以完完整整的將我的月薪用到別的投資. 回報應該會比供樓多吧....作者: abo and keung 時間: 2005-9-12 12:25:52
其我都有諗過，如果係咁，我太太可以暫時唔使做嘢，咁可以安心咁湊兩個細路，否則無可能生第二個bb(我的另類投資) 。作者: Jess and Burns 時間: 2005-9-12 12:35:37
但另一方面 又會諗當時低息 層樓又咁平.. 驚第時買唔返...作者: CJ 時間: 2005-9-12 12:45:31
In the long lifespan of housing investment interest is only one of the consideration.
Another matter is how do you expect the future growth of your flat. If you believe it is rising in a higher speed than interest rate it may worth to keep it. Otherwise it is wise to release for saving your principal.
Also consider the cash flow. Monie for rent + investment vs monie for repayment should be considered. For cost only compare rent vs interest.作者: Billy 時間: 2005-9-12 13:59:16
如果樓價真係升到好高.
我賣左呢樹再買d平樓住套現.
for example 美景4xx尺都係around rc half price.
等樓價低番再換番好d囉.作者: unicorn 時間: 2005-9-12 14:03:19
to be simple
it is just gamble
all math formulae are just used for valuation
econometric and demand/supply etc
cannot hold in hk
this is because our government is 'out-of-control'(that means hk gov is not targeted towards our goodness)
you know how ranmanbee and disney and freeman are changing hongkong now
and
also remember how options and new 'mortage insurance' has changedhongkong
our old econ trend of 'a drop every 3/4 years' is really over
and although many employers are cutting salary with high tax and high interest the market still have amazingly much money to buy flats
in short
it is very difficult to predict whether doing mortage is wise or not
[in the old happy days it is actually possible to 'sense' whether the stock market will collapse and whether the stock market will go up in 3/4 year cycles but i really think hk has delinked with us econ now]作者: bikbark 時間: 2005-9-12 14:35:53
Then maybe all what you mentioned (investment...) were just excuses to support your underlying desire to change env... :作者: Jess and Burns 時間: 2005-9-12 16:33:34
[quote:af357dca10="CJ"]Then maybe all what you mentioned (investment...) were just excuses to support your underlying desire to change env... :[/quote]
[quote:69ed5d5bb1="Jess&Burns"][quote:69ed5d5bb1="CJ"]Then maybe all what you mentioned (investment...) were just excuses to support your underlying desire to change env... :[/quote]
我而家最想拆左個間房櫃.....[/quote]
其實租樓唔係平過供樓架 因供樓有一part錢係你既本金 其實係儲緊錢架 而租樓就=wholly expenses so normally 租樓既錢係多過你既利息 人地租樓比你都要有回報啦 right?作者: H and H 時間: 2005-9-13 15:45:10
。
: 包保你會越來越鍾意你屋企 :em12: