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22^#

發表於 09-9-10 10:34 |只看該作者

咁如果租果間樓係租平過供又點睇呢？

原帖由 kenwow 於 09-9-10 09:46 發表
個個"散戶"得一間樓又去"先賣後租", 等樓價跌, 得一間樓就唔好攪咁多野啦~~~而家做晒無穀蝸牛, 低息時期個個月幫人供樓~唉!!~

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ac321

侯爵府

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好媽媽勳章

23^#

發表於 09-9-10 10:54 |只看該作者

Tell the truth, I think most of the flats are 租平過供 (unless you paid a lot of $ in that flat).
However, to 'rent' or 'buy' depends on a lot of factors (conditions of your family). And both of them have adv. and disadv. We can't say which one is better.

原帖由 annaanna 於 09-9-10 10:34 發表
咁如果租果間樓係租平過供又點睇呢？

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annaanna

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24^#

發表於 09-9-10 11:03 |只看該作者

咁當然啦，每個人有唔同o既需要同睇法，如果人人都覺得供樓好，咁又點會有租樓市場出現？相反，人人都租樓，咁d 樓搵邊個買先？
不過我睇依家呢個市，租樓o既人同以前好唔同，已經唔再係冇錢比首期迫住租樓囉，大把人大把錢都會選擇租樓，果d 咩無殼蝸牛說法就唔太合時lu~

原帖由 ac321 於 09-9-10 10:54 發表
Tell the truth, I think most of the flats are 租平過供 (unless you paid a lot of $ in that flat).
However, to 'rent' or 'buy' depends on a lot of factors (conditions of your family). And both of them ...

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Obe2009

侯爵府

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25^#

發表於 09-9-10 12:04 |只看該作者

我自己嘅經驗

舊年年初樓市好,地產叫我放賣,我見層樓住舊左,反正要裝修,索性想賣左佢買過間裝修完自住咪放賣囉.

d人黎睇樓係咁話我野多,我諗住遲早要搬,到時都要搵地方住同等裝修入伙,所以提早租左層樓搬走方便d人睇樓.

點知樓賣唔去已遇金融風暴,老公俾人裁走,我轉為part-time,收入大減重要交租,結果選擇將自己層樓裝修過晒自己住番.

最近個寧月地產成日叫我放賣,我話我除左上年交成十幾萬租又裝修左成廿萬,E+住得好舒服,除非價錢好我至會考慮,已經開始有人睇下樓,到價我都唔知賣唔賣好.

我都擔心賣左買唔番,但E+工作又未穩定番,唔係好敢買過層貴d嘅新樓驚供唔到,又想有番筆錢響身,到時都可能係租住先.

究境近來樓市係咪真係好左好多呢?

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kenwow

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26^#

發表於 09-9-10 12:13 |只看該作者

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Ivy.cheung

大宅

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好媽媽勳章醒目開學勳章

27^#

發表於 09-9-10 12:28 |只看該作者

原帖由 annaanna 於 09-9-10 11:03 發表
咁當然啦，每個人有唔同o既需要同睇法，如果人人都覺得供樓好，咁又點會有租樓市場出現？相反，人人都租樓，咁d 樓搵邊個買先？
不過我睇依家呢個市，租樓o既人同以前好唔同，已經唔再係冇錢比首期迫住租樓囉，大把人大把錢都會選擇租樓， ...

我都同意, 我之前供樓約$8000, 而家租樓要$9600. 不過, 我心態係, 賣咗樓, 有$, 可以先租一間靚樓住, 之後再買的話, 可以要求低一些 (因現在有club house, 但再揾買樓的話, 未必需要club house). 當然生活質素不能比之前低啦 !

http://b4.lilypie.com/G4Wjp8.png

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28^#

發表於 09-9-10 12:54 |只看該作者

i sold a flat at low price, now looking for another flat at high price better location.
my only concern to buy a flat is the mortgage rate will increase once econ recovers. now the rate maybe as low as 1.5%, but later it maybe 3-4%.
when rate rises, have to repay much much more + property price will drop because investors will not be aggressive like now and may sell their flats

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ysnmama

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29^#

發表於 09-9-10 15:20 |只看該作者

即是否一是高賣高買直接樓換樓. 如果打算賣完再租等樓市再回落, 可能不知是何時, 甚至升完再回落也好可能等同現價, 但卻白租了起碼一年樓?

有些時候真很難決定. 樓市低時又可能銀行不放錢. 又或者業主寧不放而沒盤. 樓市高時又怕接火棒. 不想高追. 又怕一買即趺. 我也覺自己煩.

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annaanna

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30^#

發表於 09-9-10 15:42 |只看該作者

其實好難講，每個人睇法都唔一樣嘛﹗
if 你想轉下環境，可以趁個市好賣左有舊錢﹗
又視乎你點睇個市，如果你睇淡，其實可能到時要再買o既時間，樓價跌5-10%已經可以cover到你租一年樓o既租金﹗
咁如果你睇好樓市，我估你都唔會呢一刻賣樓啦﹗right？

原帖由 ysnmama 於 09-9-10 15:20 發表
即是否一是高賣高買直接樓換樓. 如果打算賣完再租等樓市再回落, 可能不知是何時, 甚至升完再回落也好可能等同現價, 但卻白租了起碼一年樓?

有些時候真很難決定. 樓市低時又可能銀行不放錢. 又或者業主寧不放而沒盤 ...

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happy_mum

大宅

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31^#

發表於 09-9-10 16:03 |只看該作者

This is my story.

I bought the current flat in Jan 2004. Since then the price is now double. During the economic crisis,the price did come down a bit but no way near to what I paid for it in 2004. If I were to sell my present property then I wouldn't have been able to buy it again with the price as lower as I paid for it in 2004. I would still be waiting.

So when people say sell the present property first then purchase later at a lower price. It is very hard to say what is your targeted low price. With inflation on cost of living and the depreciation of HK dollars. I am really not sure if the property price would come down significantly.

In the long run overall,I think holding onto actual cash is always a bigger loser. Inflation always out grow the purchasing power of your money.

[ 本帖最後由 happy_mum 於 09-9-10 16:08 編輯 ]

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32^#

發表於 09-9-10 16:13 |只看該作者

原帖由 happy_mum 於 09-9-10 16:03 發表
This is my story.

I bought the current flat in Jan 2004. Since then the price is now double. During the economic crisis,the price did come down a bit but no way near to what I paid for it in 2004. If ...

it really depends on when u buy the flat. many ppl who bot their flat in 1997 still are riding on boat, esp those who bot NT flat.

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MRNT

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33^#

發表於 09-9-10 18:45 |只看該作者

原帖由 c-wong 於 09-9-10 16:13 發表

it really depends on when u buy the flat. many ppl who bot their flat in 1997 still are riding on boat, esp those who bot NT flat.

仲講緊97？都12年啦。97係在極難的機會下才會發生，當時：

1, 樓價超高, 炒到天水圍都五千幾蚊；

2, 供樓利息高，多數人都供10厘以上；

3, 政府推出龐大的土地供應，每年興建住宅八萬五千個；

4, 銀行無做好風險管理，容許好多實力不足的人士買樓，當時供樓人士平均用緊收入的80%來供樓；

5, 遇上亞洲金屬風暴。

97年出現的呢五種情況今日一種都未出現。我相信我地有生之年都唔會見倒政府再推出八萬五去擾亂市場正常供求關系，所以我會讓97象茶跡一樣抹去，唔好搞到自已見倒投資就咩都驚。日日都唸住97重臨咪咩都唔洗做？

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abc_3212008

複式洋房

積分: 246

34^#

發表於 09-9-10 19:00 |只看該作者

將來既事係無人會知?
不過只係睇這區都有好多人
放賣/放租,
如果有換樓須要就不驚得咁多

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35^#

發表於 09-9-10 19:37 |只看該作者

原帖由 MRNT 於 09-9-10 18:45 發表
仲講緊97？都12年啦。97係在極難的機會下才會發生，當時：

1, 樓價超高, 炒到天水圍都五千幾蚊；

2, 供樓利息高，多數人都供10厘以上；

3, 政府推出龐大的土地供應，每年興建住宅八萬五千個；

4, 銀行無做好風險管理，容許好多實力 ...

sorry, i m not like u have plenty of $$. i lost 3m just in 1 years' time, i don't have many 3 m for me to lose. so i hv to be cautious on my big investment.
i was young at 97, cldn't feel how bad the econ was. it was my ex-colleagues who told me.
if u are so bullish in property, why don't u buy more now???

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MRNT

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36^#

發表於 09-9-10 20:36 |只看該作者

原帖由 c-wong 於 09-9-10 19:37 發表

sorry, i m not like u have plenty of $$. i lost 3m just in 1 years' time, i don't have many 3 m for me to lose. so i hv to be cautious on my big investment.
i was young at 97, cldn't feel how bad th ...

Yes, I am bullish on property, but that doesn't mean I have to buy more, I am also bullish on many other things, such as stocks, bonds. There are many stocks that are trading below their book value nowadays.

Actually, I haven't bought any property since mid of 2005. Because I am bullish on property, I haven't sold any property either. (well, except for the one I sold in May, 1997).

Maybe I really have more money than some of the people here, part of the reason might be I bought and sold at the right time for many times in the last 15 years. However, that doesn't mean I am right again this time.

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37^#

發表於 09-9-10 21:29 |只看該作者

原帖由 MRNT 於 09-9-10 20:36 發表

Yes, I am bullish on property, but that doesn't mean I have to buy more, I am also bullish on many other things, such as stocks, bonds. There are many stocks that are trading below their book v ...

just want to seek your advice. do u think there will be a bubble?
i just read TVB news that the finance author predicts the worst times still yet to come and USD will deflate significantly.
i want to buy another flat soon. normally if USD deflates, other foreign currencies, commodities and property price may inflate. however, if econ is bad + USD deflates, I am worried that property price may go down again as people will cash in. my next property will not be a v cheap one, so down 10% is a significant amt to me.
what bonds do u buy? any recommendation? i bot one last year yield is 19% which is quite good.

[ 本帖最後由 c-wong 於 09-9-10 21:31 編輯 ]

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joyhk

大宅

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38^#

發表於 09-9-11 03:34 |只看該作者

我的想法是若果層樓不是優質盤(万向,間格,樓令)都不及同區樓,我會sold 層樓先,因為襯旺市好价就要賣,否則到時相賣巳賣不到.到時遇上心頭好樓,沒有cash也買不到.我的想法對嗎?

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kenwow

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39^#

發表於 09-9-11 10:02 |只看該作者

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MRNT