有樓在手 VS 租樓

Jess and Burns

而家D 樓價好左咁多 有無人諗過賣左層樓 轉為租樓呢?

我粗粗地計過. 我買層樓時係142萬( 連裝修 ) 而家我個單位大約可以賣到 200萬. 那麼. 我便可以有58萬的資金.

當我租一間屋 租金+水電 = $10000-

那58萬最少都可以讓我租到4.83 年的屋.

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....

abo and keung

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) 。

Jess and Burns

但另一方面 又會諗當時低息 層樓又咁平.. 驚第時買唔返...

CJ

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.

Billy

我有個朋友係租樓住o既.
結果係--兩年一搬.
有時唔係你想續租就績得到.
因為個業主可能會收番黎賣.
呢點我完全接受唔到.

傢私唔會買得好.
唔裝修.
有野費事買.
因為成日都諗住就快搬.

自己樓就想住幾耐都得.

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.

unicorn

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]

bikbark

其實好多因素要考慮 例如收入or職業隱定性 結婚or生育計劃 生活習性咁啦

我有朋友係一年搬一搬 因為佢係d要有新鮮感o既人 一個區住落一年左右就想搬 全部都係一過o左一年死約就又搬去第二個區 識佢三年幾 搬o左三次 佢不知幾enjoy 好似佢咁又點會買樓呢?

Jess and Burns

我諗我係bikbark 講那種人... 而家我對住間屋 愈黎愈覺得厭.

我已經得閒無事將d 公仔move 下位 等自已覺得有d 新鮮感. 又換過  d 相.
但都依然望到厭. 好想換晒d 傢私. 好想再relocate 過d 位置.( 不過被阻止)

wychan

[quote:6f7b451089="Jess&Burns"]我諗我係bikbark 講那種人... 而家我對住間屋 愈黎愈覺得厭.
我已經得閒無事將d 公仔move 下位 等自已覺得有d 新鮮感. 又換過  d 相.
但都依然望到厭. 好想換晒d 傢私. 好想再relocate 過d 位置.( 不過被阻止)[/quote]

愈黎愈覺得厭 - 可能係你地婚後開始歸於平淡.... 你有你睇電視 佢有佢玩pda 咁 :dead:

我教你一個方法可以鈕轉呢個局面.....

就是每星期/每晚整d糖水呀 蛋糕呀 紅酒呀咁 叫我地呢班黃虫街坊上來吃喝玩樂...  :  包保你會越來越鍾意你屋企  :em12:

CJ

Then maybe all what you mentioned (investment...) were just excuses to support your underlying desire to change env... :