吹水玩樂

時事理財

由家出發

媽媽天地

育兒教養

情報分享

意見反饋

聯絡管理員

我的中心

Baby Kingdom - 親子王國香港討論區 › 首頁 › 樓市動向› 賣定唔賣好呢?

樓市動向今日: 0|主題: 74224

收藏本版

發帖

返回列表

跳至頁

查看: 6156 | 回覆: 99

賣定唔賣好呢? [複製鏈接]

12 3 4 5

YnnMa

大宅

積分: 4637

1^#

發表於 08-1-23 10:58 |只看該作者 |倒序瀏覽 |打印

有朋友沙士買樓賺左3百萬, 應唔應該放呢?

有朋友係沙士時間買左個物業, 由200萬升到差唔多依家500萬, 咁計埋供左個d, 可以有大概350萬現金套現, 如果係, 應唔應該買呢?
有以下原因想賣:
1.
希望過1 -2年樓市跌, 可以用350萬再加埋投資返來的錢去買一間大d 呎數既樓自住

唔想賣既原因:
1.
間屋新裝, 如果搬走再租就可能住的環境無咁好
2.
有小朋友,
現周圍環境理想, 下面有公園….
3.
50%驚樓市再上升

有無人可指教

0 0 0

私人傳訊

Nam-BaBa

禁止訪問

積分: 1463

2^#

發表於 08-1-23 11:02 |只看該作者

提示: 作者被禁止或刪除內容自動屏蔽

私人傳訊

bigballball

複式洋房

積分: 184

3^#

發表於 08-1-23 11:19 |只看該作者

依家想大升無甘易, 稍等一段日子有好大機會下調.

私人傳訊

仔仔錫錫你

大宅

積分: 2665

4^#

發表於 08-1-23 13:46 |只看該作者

原文章由 YnnMa 於 08-1-23 10:58 發表
有朋友沙士買樓賺左3百萬, 應唔應該放呢?

有朋友係沙士時間買左個物業, 由200萬升到差唔多依家500萬, 咁計埋供左個d, 可以有大概350萬現金套現, 如果係, 應唔應該買呢?
有以下原因想賣:
1.
希望過1 -2年樓市跌, 可 ...

你同我阿哥case一樣, 沙士買入180萬, 07年頭290萬放出(不過舊單位已升到340萬), 再入個大dd單位 320萬, 依家有客出420萬買.

佢話如果真係賣會有200萬cash, 佢無擔心樓市會再上升. 只係怕租住的環境無咁好比唔到太太用同小朋友.

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

當然長租唔掂, 但只要10年內一跌, 跌到around 320萬再買就掂, 差唔多可以一炮過(200萬cash+saving)唔洗問銀行借 ?-(

[ 本文章最後由仔仔錫錫你於 08-1-23 13:49 編輯 ]

私人傳訊

男爵府

積分: 9702

5^#

發表於 08-1-23 14:03 |只看該作者

如果我...must賣 la..

[ 本文章最後由 Q4 於 08-1-23 14:05 編輯 ]

私人傳訊

11d

複式洋房

積分: 323

6^#

發表於 08-1-23 14:18 |只看該作者

If I were you, I will not sell. The main consideration is the kids. A stable and comfortable living environment is very important to them.

私人傳訊

男爵府

積分: 7152

7^#

發表於 08-1-23 14:23 |只看該作者

如果係我, 一定賣!!!
要幾耐先可以搵到350萬cash呀!!!

原文章由 YnnMa 於 08-1-23 10:58 發表
有朋友沙士買樓賺左3百萬, 應唔應該放呢?

有朋友係沙士時間買左個物業, 由200萬升到差唔多依家500萬, 咁計埋供左個d, 可以有大概350萬現金套現, 如果係, 應唔應該買呢?
有以下原因想賣:
1.
希望過1 -2年樓市跌, 可 ...

私人傳訊

YnnMa

大宅

積分: 4637

8^#

發表於 08-1-23 14:49 |只看該作者

好多人都叫佢賣, 因為打十幾年工, 唔食唔著都無300幾萬。

賣另一個出路就係買一間2手居屋, 比3成手期 (eg80萬), 裝修少少, 跟住住2-3年, 咁手上個300萬就去投資, 有機會就買間大d 既屋搬, 而間居屋就收租。咁就可以做兩間屋既業主。

可唔可行???

私人傳訊

ac321

侯爵府

積分: 24705

好媽媽勳章

9^#

發表於 08-1-23 14:50 |只看該作者

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

原文章由 仔仔錫錫你 於 08-1-23 13:46 發表

你同我阿哥case一樣, 沙士買入180萬, 07年頭290萬放出(不過舊單位已升到340萬), 再入個大dd單位 320萬, 依家有客出420萬買.

佢話如果真係賣會有200萬cash, 佢無擔心樓市會再上升. 只係怕租住的環境無咁好比唔 ...

私人傳訊

Paris

侯爵府

積分: 21065

10^#

發表於 08-1-23 15:08 |只看該作者

300萬去投資, 分分鍾渣到冇,你睇家庭理財果面血流成河幾壯裂

原文章由 YnnMa 於 08-1-23 14:49 發表
好多人都叫佢賣, 因為打十幾年工, 唔食唔著都無300幾萬。

賣另一個出路就係買一間2手居屋, 比3成手期 (eg80萬), 裝修少少, 跟住住2-3年, 咁手上個300萬就去投資, 有機會就買間大d 既屋搬, 而間居屋就收租。咁就可 ...

[ 本文章最後由 Paris 於 08-1-23 15:12 編輯 ]

行到水窮處坐看雲起時

私人傳訊

iamfine

別墅

積分: 593

11^#

發表於 08-1-23 15:28 |只看該作者

原文章由 仔仔錫錫你 於 08-1-23 13:46 發表

你同我阿哥case一樣, 沙士買入180萬, 07年頭290萬放出(不過舊單位已升到340萬), 再入個大dd單位 320萬, 依家有客出420萬買.

佢話如果真係賣會有200萬cash, 佢無擔心樓市會再上升. 只係怕租住的環境無咁好比唔到太太用同小朋友.

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

Two serious flaws in your brother's reasoning:

(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 to $2k per month), about 6k goes to repayment of principal.

In your brother's case, his monthly revenue spending on living is at present $8k per month. If he sells his home and rents it for $12k, his monthly spending will jump 50% to $12k. He has to be awfully good at investment to make good the difference.

And, more importantly, he and his family are living happily in their own home. Why bother? what happens if rent goes further up and up? Does he want to stay away from the trouble of moving every two years and working for a permanent home 10 or 15 years from now when he is not as physically fit and earning less? I don't have a crystal ball and can never be sure whether the price is going to rise or fall (although chance is that price will go up in the long run), but I can guarantee that your brother will, a few more years from now, find paying off his mortgage a piece of cake. You don't believe me? Fine, ask those who retire happy.

I am probably too conservative but I still believe that -

(1) Your home is not an investment; it is a primary need, a piece of work;
(2) Unless you have your primary need satisfied and work done, you have no right to talk about investment.

And, one big problem with those who choose to rent and not to buy - very often they fall into the trap of living beyond means. It is perfectly OK to rent and not to buy, provided that one rents what he can buy. But, look around yourself, am I correct that your friend Peter, who can only afford to buy a 500ft2 flat, is renting a 700ft2 one, and your neighbour Paul, who is making $40k per month, is handing over half of his hard earned money to his landlady for the prestigious clubhouse, and Mary, who can never afford a flat in mid-level, is renting a flat in Robinson Place for the false sense of superiority? It is not hard to tell where will Peter, Paul and Mary end up? My bet is that their more down to earth friend Simon who bought a flat in Mei Foo when he was young will laugh at last.

Please don't get me wrong - I am not a speculator. Nor am I am estae agent. I care more about a constant flow of rental income than capital gain (as a matter of fact, I have more to gain if there are more Peter, Paul and Mary). Why I bother to say all these? I HATE TO SEE PEOPLE DOING STUPID THINGS.

[ 本文章最後由 iamfine 於 08-1-23 15:32 編輯 ]

私人傳訊

ac321

侯爵府

積分: 24705

好媽媽勳章

12^#

發表於 08-1-23 15:44 |只看該作者

One more information for your reference:

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$?????

原文章由 YnnMa 於 08-1-23 14:49 發表
好多人都叫佢賣, 因為打十幾年工, 唔食唔著都無300幾萬。

賣另一個出路就係買一間2手居屋, 比3成手期 (eg80萬), 裝修少少, 跟住住2-3年, 咁手上個300萬就去投資, 有機會就買間大d 既屋搬, 而間居屋就收租。咁就可 ...

私人傳訊

ac321

侯爵府

積分: 24705

好媽媽勳章

13^#

發表於 08-1-23 15:47 |只看該作者

good example!

原文章由 iamfine 於 08-1-23 15:28 發表

Two serious flaws in your brother's reasoning:

(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 ...

私人傳訊

tingtingting

複式洋房

積分: 405

14^#

發表於 08-1-24 11:34 |只看該作者

原文章由 iamfine 於 08-1-23 15:28 發表

Two serious flaws in your brother's reasoning:

(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 ...

Very well said. Keep posting.

Ting

私人傳訊

C.C.Ho.

男爵府

積分: 6285

15^#

發表於 08-1-24 16:26 |只看該作者

我早幾個月都有呢個問題，但我最終決定賣咗層樓，呢個星期六搬添。
後市好難睇得通，但我同老公二口同声都話賣咗先叫做賺，一日唔放一日都係數字遊戲。我哋覺得查住啲錢，等跌市用翻同一個價可以買大啲，到時住得仲舒服

。

私人傳訊

MRNT

男爵府

積分: 7355

16^#

發表於 08-1-24 17:09 |只看該作者

自住樓同股票唔同, 股票$10賣早左, 我可以呢一世都唔再買佢, 自住樓就除非你有間公屋, 如果唔係, 就唔買都要租, 呢一世, 甚至下一代都離唔開佢.

樓既交易成本貴, 尤其係自住樓, 更加有搬遷的頭痛, 要裝修, 要就timming, 要幫小朋友適應等等.

除非我睇個市會大跌, 否則我唔會賣左自已層自住樓. 要激動到連自住樓都賣埋我就只係在97年五月試過一次.

私人傳訊