有無人煩住既問題

阿定

Why Hong Kong people need to pay mortgage for 30 years to live in a place they were born?  Or most of Hong Kong people get used to it?
alzard 發表於 2009-10-27 16:53

呢個問題問得有趣，咁點解日本人要供兩三代先供得到間屋？

經濟發達的地區就係咁，香港/上海/日本都係其中的例子！

點解家庭團圓唔可以香港人返大陸團圓，要大陸人來香港團圓？

因為大家都喜歡住係香港，所以房屋才會貴！

alzard

The world is huge!  Our money is full of blood and sweat and is not for the pockets of  banks and property developers.  

It is NOT a must to spend millions of dollars for an apartment of 500' to 1000 ...
hkbomberman 發表於 2009-10-27 17:01

100% agree.  When we have a choice, I think there will not be so much complaints.  But is there any choices for those in the middle in Hong Kong?

alzard

呢個問題問得有趣，咁點解日本人要供兩三代先供得到間屋？

經濟發達的地區就係咁，香港/上海/日本都係其中的例子！

點解家庭團圓唔可以香港人返大陸團圓，要大陸人來香港團圓？

因為大家都喜歡住係香港，所以 ...
阿定 發表於 2009-10-27 17:02

Some of them but not all.  Look at Singapore first.  But do we need to follow the same path?

I can rule out those immigrants from China, as they are living in public estate.  And I agree that 家庭團圓 can be done in Mainland China instead of Hong Kong.

阿定

其實銀行都幫大家計好晒數，收入的45-50%係借錢供樓的上限，假設家庭月入2萬，你可以揀月供8千的樓來買，生活輕鬆d，亦可以揀月供1萬拖長還，買貴價樓，亦可揀月供1萬，但年期短的平價樓，自已的人生，自已去決定

阿定

師兄,有睇林少陽喎


cyberken 發表於 2009-10-27 17:06

林少陽係咩？ 恕我見識少！

大玩偶

師兄唔好咁灰....
半年前...我都無打算會買到樓...
一來自己大洗...搵幾多洗幾多 ...
二來成日覺得自己年紀細...唔洗咁快定性....
但今年屋企人就俾左少少支持我....
見我同女朋友關係都穩定...拍左 3~4 年拖...
過多幾年都可能結婚....
幫我出左份首期.... 其餘要我自己去供...
買左間唔錯既樓 !
因為我擔心自己供唔掂.....
所以同銀行做左分 30 年還.... (本來仲想分 40年...但利息太重 )
每個月供樓...管理費...雜費開支...大約係 14~5K ...
暫時我女朋友仲讀緊書...出年先畢業...
而且仲未結婚...我都無打算要佢供...
宜家我要支撐間屋 ... 女朋友開支 ...真係個個月都幾緊張...
無左上年果種豪氣...  一條牛仔褲幾千蚊 ... 已經無能力再去買...
連睇都唔睇啦....

有陣時....唔踏出第一步...
就好難向前行架啦....

同埋我覺得自己先得 22 歲...
就算跌低...都仲有機會爬返上黎 !
所以好勇咁向前衝... !

yin206

我就覺得一定要睇時機上車
重有(可能我唔知個死字點寫)
個人經歴,又驚乜又驚物,就一定唔成事
以前我個個月都冇錢"靜"
家吓供數都供左兩年,又係冇錢"靜"
家吓起碼知D錢去左邊先
家吓出街食多兩餐飯都窄窄地
有D人會問值咩?
我一定答"超~~~~~值"
我都係百幾萬樓,這兩年回"布"好可觀
你睇準時機先上車,就一定有車比你上
家吓香港地死做冇圍發,係遊戲規則(實有例外)
你點樣行,同玩AV一樣,好個人
當然各人"K屎"唔同就一定有各人的路行啦
大家冷靜分享

teddyc1010

師兄唔好咁灰....
半年前...我都無打算會買到樓...
一來自己大洗...搵幾多洗幾多 ...
二來成日覺得自己年紀細...唔洗咁快定性....
但今年屋企人就俾左少少支持我....
見我同女朋友關係都穩定...拍左 3~4 年拖...
過 ...
大玩偶 發表於 2009-10-27 17:24

師兄

大玩偶

其實可以先搵銀行預批一批貸款 !
心目中想買咩樓...咩位置 !
銀行會估價...再評估你供樓既能力...
查哂你D 數 ! 連咭數幾多都知架 !
你搵15~6K 一個月...點都唔會俾你供13~4K 既樓 !
銀行會好詳細咁去計.... 固定薪金同佣金都會分開計 !
佣金部份可能只打你得幾折去計算 .....
So ... 師兄你都係踏出第一步...俾銀行計一計先啦...
唔洗咁悲觀...

alzard

If you buying a flat for "living", it really not a matter for the price is going up or not, doesn't it?  The property market cannot go up forever without limit and some day it should go stable.  Most Hong Kong people always think it should always goes up and up, without considering the consequence to those who are not owning one yet.

Two more brothers shared how they make it.  Assume you do not have financial assistance from family, how long you need to save your first payment?  (as you both stated that you saved zero before owning a flat)