I don't think so. I think you/he 計錯數!!
You assume that the interest rate is 4% in the bank so that 200萬銀行年利息收入around 8萬! I can tell you that the 定期 for hk $ now is only 2.x%
Therefore, you can only get about 5萬 for 200萬銀行年利息收入 now. And the rate is still dropping ......
佢計過數, 話租住低, 供樓&mgt fee 每月要 around14k, 20年比利息&mgt fee 要140萬. 如果租樓 同樣要 around 12k, 200萬銀行年利息收入around 8萬, 平均6700每月, 扣除租金實則每月比around 5300, 比供樓 save 8.7k, 20年可 save 208萬. 只要陳樓20年後唔好賣多過400萬就得
匯豐東亞及渣打減息四份三厘 (商台新聞)
日期: 2008/01/23 15:17
繼匯豐之後,東亞(0023.hk)及渣打亦跟隨美國減息四份三厘,明日起,最優惠貸款利率,將降至6.25厘.匯豐則降至6厘,是兩年半,即零六年七月以來最低. 幾家銀行的紅簿仔息率亦相應下調,東亞的標準存款利率,將由一厘七五,降至一厘.匯豐的一萬元以上存款,息率降到半厘至零點七五厘.至於五千至一萬元的存款息,減幅相對較細,下調0.1厘,降至零點一五厘.
聲明
Do you think you can get a 4% 存款利率 for HK$?????
(1) It is almost certain that rent will go up and up in the long run;
(2) Of the $12k monthly mortgage (assuming that management fee/rates etc amount ...
坦白講,如果我有大把$(吾優食,吾優住,吾優仔女,吾優退休生活,吾優物價升),我實吾會買樓!我會租下山頂d樓,又租下海邊d house,四周住下吾同style既屋..........
可惜 I am too poor,我要考慮退休後冇收入既生活,我要考慮十年八載後物價升幅,我重要考慮10幾年後仔女升學使費........
所以我冇得選擇,一定要盡早供完自住層樓!:-( :-(