上年既今日， 我選擇左租樓，冇買到

如果 簡化個問題
將 樓=財產 咁單方面去睇
先容易d 同 租樓再投資去 比較
我覺得睇蝕 好過睇邊樣賺多d
假設all in投資 你自己蝕得起幾多
頂到幾大嘅風險

頂得大 樓主咪可以 年年aim 10%
但有d人 承受唔起 咪買樓 低風險 博下槓桿 賺一筆
零操作咁去 等塊地/層樓 價值膨脹
長期咁睇 可能跑唔贏 投資 但係永世都緊貼到社會個 大步伐

不過 我認為計埋其他方面， 首置+自住 係唔會輸

我就有個疑問
當依家600萬 一手樓
你30年後 能夠full pay 係 30年樓齡嘅2手樓定係咩款樓？

同一舊錢， 30年後價值一樣，但係會唔會淨係買到折舊左嘅野

不過計 value 可以係一樣， 個人觀感先影響當中優劣

買返宜家入市，30年後嗰層樓

其實你覺得眾人皆醉我獨醒係無問題，10% 回報我相信唔係剩係得零零聲聲幾個人問你點達到，係好多好多人既問題。你又無俾答案，咁又點討論？P loan 最高大部份都係得月薪12 倍，年期又得5年，點同按揭30年俾？息口都差唔多平一半啦 ，可能你勁搵十萬蚊個月借到百幾萬，但係我真係好少聽過搵十萬蚊個月唔買樓

10%點達到，我已經講左，亦有人同意左呢個方法係work. 但10% 9% 定8%....你仲係覺得係重要？everything is on a relative basis. I am saying , 1.2m initial capital for owning a property, if you can gain 10% annual growth , you can beat the property price rising 4.85% annually in 30years. This case there is no p-loan involved at all.

Why I keep saying 10% isn’t the emphasis... because property price movement is also not sth guaranteed . Then why bother? As long as you have a way /assumption/calculation to justify your actions, that’s fine. 10years ago, if you had money, go ahead and buy it. How abt number, followed by the social events/risk, is it worth buying now? This is the thing I want to discuss . Nevermind... tired of replying this. If you read everything I said, I proved , I explained , but most of you who asked /challenged me, have you read everything mentioned above? Regardless of your decision, Good luck. I am just saying I am not optimistic, 10 years ago when I was in uni I was very positive abt the property market, but I wasn’t born at the right time, I couldn’t afford it. Now? Let’s observe together

Why I keep saying 10% isn’t the emphasis... because property price movement is also not sth guaranteed . Then why bother? As long as you have a way /assumption/calculation to justify your actions, that’s fine. 10years ago, if you had money, go ahead and buy it. How abt now, followed by the social events/risk, is it worth buying now? This is the thing I want to discuss . Nevermind... tired of replying this. If you read everything I said, I proved , I explained , but most of you who asked /challenged me, have you read everything mentioned above? Regardless of your decision, Good luck. I am just saying I am not optimistic, 10 years ago when I was in uni I was very positive abt the property market, but I wasn’t born at the right time, I couldn’t afford it. Now? Let’s observe together

你講既social event /risk ，請問如何量化你覺得既跌幅/未來既升幅？如果靠一句-我直覺覺得因為升左10年，之後未來30年就唔升，呢個係唔夠客觀反映事實，只係你主觀想法。你用左假設係基於過去數據去project 將來。你統計左過去30年樓市平均係升4.85%，即係你應該相信未來樓價都係平均升4.85%，如果唔係點做統計去推個projection ? 不如你用excel 計下買樓個leverage 升4.5%同你個120萬每年10% return 之後30年點追到？

Omg...... 每年升4.85% ...30年後咪就係我個假設30後樓價2000萬囉......
就係咁先會推斷到要用10% 就追到。
不如，你睇清楚先。唔好咁衝動覆住

我家庭月入~140k 首期唔多得1.5m 左右，我反而而家留意樓市因為兩個原因
1. 投資記錄唔好，成日大上大落
2. 渣住around 1m cash 又唔敢拎哂去投資

如果樓價跌我當可以用埋果1m cash當投資落樓市
你叫我拎哂d 首期去投資，我比人斬死都似

月入140k
大洗極都草到好多錢啦
1.5M 唔夠 咪草多1至2年錢
呢個月入 追得切樓價升幅
供又輕鬆

如果我家庭月入有14萬 我一年都儲到120萬
唔知你屋企開支係咪好大 定係睇唔上眼細價樓
話說我識一對3字頭夫婦無小朋友月入十幾萬到依家都未買到樓
一開口就話要買太古城奧運站 依家跌咗啲有8按又話會跌市唔想買

覆埋上面師兄
上有高堂下有妻房，同埋最重要係我一出黎做野果日邊有140k
扣哂租金家用水電煤保險，一個月儲得70k到，追唔到樓價
最慘係老婆日日都話想唔撈

我咪問你個4.85%用樓價幾錢計羅

都唔知你係撚狗定點
自己月入夾埋 有排都唔夠70k
所以買d 垃圾樓 照屌
你就月草70k 都話唔敢買
你地份月入 根本頂得過 好多風浪啦

加油加油
以你既收入應該好快可以上車
我一個月都無你儲7萬咁多都上咗車
當然要好慳家先得
有仔女真係為佢地著想吓
有層樓老咗都唔使啲仔女操心幫你租樓
除非你低收入到可以住公屋
公屋都要排返7年
樓根本唔完全可以同投資既資產掛鉤
唔同叫我住喺張股票或者隻fund裡面咩
有自己個竇對於個家庭黎講係幾咁重要
dklm唔使下下問過業主點裝修已經贏咗啦

我邊有話唔敢買，我一開始咪覆樓主話我明佢睇法但都會想入市，我話唔敢拎哂d首期做投資（非物業）姐
同埋可能你岩既，真係唔想買垃圾樓，所以一直等緊樓爆買d正常單位

呢樣真，我同老婆岩岩係外國番香港，而家兩皮租幫人供緊500ft半新樓，一個b，無請工人，都唔係十分夠位住。(老婆買好多野比個仔，唔係串但新樓500ft同舊樓爭好撚遠）我感覺好大原因係因為無得裝修，d櫃都係求鳩其ikea 最cheap既用住先，用唔盡好多空間。如果有得自己裝修相信會實用好多

誤會了 sor
不過 強烈建議 有自住需要
又俾得起就 拿拿淋 入市
你呢個首期 揀到唔少 企理單位

等跌唔係唔好 捉得靚時機實正㗎
但果陣 我買垃圾樓 都大把人話貴
問下自己 幾錢先叫平，跌到幾多先會買
否則只會一直等
不過爸打你 月入咁高 等得到

....你再睇返我之前既回覆啦，我plot 埋normal distribution計出黎的。不過唔緊要啦，唔想拗，每個人既意見都唔同。你開心就得

所以而家日日wfh係度睇post 學野

如果有閒錢，咪買。我同意而巴打講，買左個安心穩定啲，呢啲野量化唔到。
宜家要諗多樣，會唔會移民

我同我女朋友都諗會唔會移民。所以先猶豫買樓。同埋上面都有講，佢之後會想自己診所，咁我地儲返啲錢，到時都有用。

移民 都唔擔心啵
97前 都係有人 香港有樓 照移
海外住收香港租 依家一樣係有唔少人做
況且 幾時都賣到樓嘅
真係蝕讓 都唔會 損手爛腳

巴打舊年執咁多，唔會諗住襯今個浪擺番d係property?
另外有冇咩美股值得留意分享下？

我好少睇美股...上年係好彩買左Tesla, 今年Amazon ....全部都係收消息買。今年穩陣啲算。