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標題: 香港人買樓的故事 [打印本頁]

作者: 大C姐 時間: 2010-1-3 16:54 標題: 香港人買樓的故事

hello大家新年快樂。

新一年唔知有幾多LYK會選擇置業。對一班做嘢無耐又無"後台"嘅年輕人嚟講﹐買樓真係一個好大嘅investment。但係如果你係香港人的話﹐呢個好可能係一個遙不可及嘅夢想。事源2008年開嘯開始﹐好多人都話要趕上車。點知未夠一年﹐由低處未算低(好多人身家蒸發7成)到樓價再創新高﹐好多人連架車個門都無見過。尤其政府對打壓樓價一直無任何動機﹐好多中產小家庭都自覺買樓無望。

當然﹐好多人持住不同意見。現今自稱80後嘅一群人都為置業好懊惱。其中呢個article嘅事主都講中好多人心聲﹕

"80後慨嘆置業困難
(明報)2010年1月2日星期六 05:05

【明報專訊】「80後」的陳小姐（左）移民外國10多年，近年返港工作，昨日首次參加遊行。她說，遊行目的主要希望爭取普選及民主，加上內地異見人士劉曉波因言入罪，亦令她擔心失去言論自由。除了政治議題，任職銀行的她認為政府在照顧基層方面做得不足，特別是住屋問題，私人市場樓價飈升，亦有不少人不合資格住公屋，政府應協助他們解決這需求。

陳小姐坦言自己亦有難題，她現時與家人同住，但日後組織家庭時也想置業，月薪卻只得萬餘元，最便宜的樓售價都要逾100萬元，擔心根本無法「上車」。她慨嘆，像她這樣的80後，生活擔子較上一代重，現時大學畢業投身社會，人工比上一輩少一大截，但面對的競爭卻愈來愈激烈，既要跟外國比，又要跟內地爭；物價亦不斷升，新一年交通費增加，但許多基層的薪金加幅不能夠追上。她說，政府不是無盈餘，故希望政府新一年多協助市民解決這些問題。"

當好多人話樓價同平均人工不合比例之際﹐我亦見到有部份香港網民反駁﹕

"年薪廿萬，100萬樓只需要5年人工便可以買斷一間姑婆屋。(唔洗住唐樓洋樓，新界近港鐵站大型屋苑都係賣緊咁既價錢，例如嘉湖,金獅都係賣緊110萬)

如果公一份婆一份，只需2年半，

分20年供，買樓有何難呢?"

(quote自discuss)

我自己就覺得如果結婚後兩份(普通)人工的話﹐其實要供200多萬樓係唔算太難。當然首期會係真係最頭痛一環啦。但係又講﹐好多香港人其實出身後/結婚前都係同屋企人住。家用除左真係幫補屋企其實好多父母都會幫自己仔女儲起D錢。一般小康之家﹐我諗做十年嘢點都儲到多少掛? 我唔知有幾多人真係諗過買樓﹐我想聽一D真實嘅買樓故事﹐成功或失敗。

-- 80後大C姐

作者: Lik 時間: 2010-1-3 17:38

大學畢業依家響香港搵到幾多錢？普通來講應該搵唔到 $15000 一個月囉。

我唔知道大學畢業後五年要搵到年薪廿萬（月入萬七）有幾難，但可以肯定嘅係，就算真係年薪廿萬，身處香港地，你估平時唔使使錢咩？淨係搭車同食飯兩樣都去咗你唔少啦。有 grant loan 又要還 grant loan，無 grant loan 都要俾返多少錢老竇老母買野食掛？七除八拆之下，又可以淨返幾多？

而且，200幾萬嘅樓會響邊處呢？山卡啦嗎？定係天水圍、上水、或者沙頭角呢？

-力

作者: 快樂牛郎 時間: 2010-1-3 17:40

個個香港人冇錢但係都想買樓
成日D節目都話月薪10000但係又話樓價貴
好心搵塊鏡照下
你買唔起樓就唔好買

個個淨係識話點解樓咁貴
又唔反省下點解自己咁廢30幾歲仲係搵1萬幾

作者: 快樂牛郎 時間: 2010-1-3 17:42

香港搞到而家咁就係因為個個淨係識發夢
但係除左發夢又唔會想辦法去實現夢想

作者: 大C姐 時間: 2010-1-3 17:47

大學畢業依家響香港搵到幾多錢？普通來講應該搵唔到 $15000 一個月囉。

我唔知道大學畢業後五年要搵到年薪廿萬（月入萬七）有幾難，但可以肯定嘅係，就算真係年薪廿萬，身處香港地，你估平時唔使使錢咩？淨係搭車同 ...
Lik 發表於 2010-1-3 18:38

當然200幾萬就唔會係港島區港鐵地段啦﹐但係遠極都有巴士小巴掛? 其實好多地放真係唔算好遠﹐好多朋友住大埔返中環都係45-50分鐘到﹐我覺得可以接受囉。

同埋香港生活可貴可平﹐除非你真係要養起頭家上有高堂下有細佬妹要供養﹐咁無得好講啦。但係亦唔係個個80後都要養家﹐就算要俾家用﹐都平過自己出去租地方掛?

-- 慳家C

作者: 快樂牛郎 時間: 2010-1-3 17:54

香港人成日講到步行10分鐘已經好似返鄉下咁遠

作者: 大C姐 時間: 2010-1-3 17:56

3# 快樂牛郎

"睇左鏗鏘集 ~ 家庭月入$25,000 都怨天怨地,嫌三嫌四 E-mail 此主題給朋友

我又咪係同佢地一樣, 家庭月入$26000
04年兩個人plan 08年結婚, 兩個人月入$15,000供1.1M樓
09年兩個人月入$26000　1.9M賣出換2.8M樓
我地都below30, 就來有ｂｂ,我覺得都係高不成低就, but比上不足比下有餘, 從不怨天尤人, 先苦後甜....呢一代80年後出生既港男港女...唔該....反省下啦...."

原本我都好似Lik哥覺得香港80後買樓夢碎﹐但係望一望溫市D樓價﹐都唔係爭好遠....

作者: mcjohnjohn 時間: 2010-1-3 18:02

小弟就係果d 有少少能力買樓, 而又唔想比層樓影響自己生活既人.
所以, 幾年前只係用左under 200萬去買左一層唔係地鐵沿線既樓(要行十幾分鐘先到新界區某地鐵站). 而家一個月供5千幾, 係家庭收入既x%(x係個位數), 不知幾嘆. 不過, 而家bb 出左世, 就要諗下遲d 駛唔駛買間大少少既樓了.

作者: mcjohnjohn 時間: 2010-1-3 18:08

大學畢業依家響香港搵到幾多錢？普通來講應該搵唔到 $15000 一個月囉。

我唔知道大學畢業後五年要搵到年薪廿萬（月入萬七）有幾難，但可以肯定嘅係，就算真係年薪廿萬，身處香港地，你估平時唔使使錢咩？淨係搭車同 ...
Lik 發表於 2010-1-4 09:38

其實, 畢業頭兩三年真係儲唔到錢, 收入唔高(差唔多$15000 一個月), 又要還grant loan, 又要養家...
不過, 自從細佬出左身, 屋企負擔就少左好多, 而人工又高左少少, 所以就開始儲到錢了.

作者: ecwkwok 時間: 2010-1-3 18:14

做人要能屈能伸, 我o係溫哥華住間屋七千幾呎, 番香港咪一樣睇緊d百五萬以下, 三四百呎既樓...
其實o係香港某d地區(如香港仔,土瓜灣))都有d一百萬以下, 三四百呎樓賣, 唔一定要住到山卡啦...
唔好唔記得, 曾特狗話700呎以上既, 都算係豪宅, 三四百呎已經唔錯啦.

作者: 大C姐 時間: 2010-1-3 18:17

小弟就係果d 有少少能力買樓, 而又唔想比層樓影響自己生活既人.
所以, 幾年前只係用左under 200萬去買左一層唔係地鐵沿線既樓(要行十幾分鐘先到新界區某地鐵站). 而家一個月供5千幾, 係家庭收入既x%(x係個位數), 不 ...
mcjohnjohn 發表於 2010-1-3 19:02

Exactly my point. 我再三思之後覺得﹐你點都有選摘囉。我本人覺得你係咩階層就做翻咩階層嘅人。住新界係唔會死人。逼巴士都唔係罪惡。你係萬幾人工就係萬幾蚊生活囉﹐比上不足比下有餘。你真係想置業﹐點都有D取捨﹐租地方係可能方便D(好多人租得起半山)﹐但係要求降低買樓亦唔係無可能。

-- 疊水C大姊

作者: 快樂牛郎 時間: 2010-1-3 18:20

3# 快樂牛郎

"睇左鏗鏘集 ~ 家庭月入$25,000 都怨天怨地,嫌三嫌四 E-mail 此主題給朋友

我又咪係同佢地一樣, 家庭月入$26000
04年兩個人plan 08年結婚, 兩個人月入$15,000供1.1M樓
09年兩個人月入$26000　1.9M ...
大C姐發表於 2010/1/3 17:56

200幾萬完全係affordable
果D咩醫生律師買唔到樓既說話
根本目的就係挑起市民對政府既不滿

成班香港人買樓都係為炒
如果你而家話香港樓市未來30年都唔會再升
仲有幾多人真係想上車

作者: 快樂牛郎 時間: 2010-1-3 18:20

你係萬幾人工就係萬幾蚊生活囉
大C姐發表於 2010/1/3 18:17

但係香港個個都想搵萬幾人工過富豪生活

作者: masterbear 時間: 2010-1-3 18:21

做人要能屈能伸, 我o係溫哥華住間屋七千幾呎, 番香港咪一樣睇緊d百五萬以下, 三四百呎既樓...
其實o係香港某d地區(如香港仔,土瓜灣))都有d一百萬以下, 三四百呎樓賣, 唔一定要住到山卡啦...
唔好唔記得, 曾特狗話700 ...
ecwkwok 發表於 2010-1-3 19:14

Wah"溫哥華住間屋七千幾呎" are u living in Westwood Plateau Plateau Blvd? or 1st Shaughnessy?

作者: 大C姐 時間: 2010-1-3 18:28

200幾萬完全係affordable
果D咩醫生律師買唔到樓既說話
根本目的就係挑起市民對政府既不滿

成班香港人買樓都係為炒
如果你而家話香港樓市未來30年都唔會再升
仲有幾多人真係想上車 ...
快樂牛郎發表於 2010-1-3 19:20

EXACTLY又係我想講個point。好多人買樓又要平又要喺短時間賺到錢。

其實你真係買一間afford到嘅樓﹐起碼賺左住﹐到你換樓又會有多D本去換大間D。

作者: Lik 時間: 2010-1-3 18:42

個個香港人冇錢但係都想買樓
成日D節目都話月薪10000但係又話樓價貴
好心搵塊鏡照下
你買唔起樓就唔好買

個個淨係識話點解樓咁貴
又唔反省下點解自己咁廢30幾歲仲係搵1萬幾 ...
快樂牛郎發表於 2010-1-3 17:40

每個人當然要對自己負責任，但政府又何嘗能夠逃避對自己廣大市民嘅職責？只係瘋狂右傾，眼裡面只有大資本家而無晒小市民，咁又算係點？Obama 都識講 Main Street 無好日子過嘅話，Wall Street 亦都唔會有好日子過。

人地話發財立品，但偏偏特衰政府就唔會咁做。而從你嘅言行之中，好明顯牛老哥你亦係一樣，只知道一將功成萬骨骷，而絲毫唔知道咩叫做社會責任。

-力

作者: mcjohnjohn 時間: 2010-1-3 19:06

但係香港個個都想搵萬幾人工過富豪生活
快樂牛郎發表於 2010-1-4 10:20

一定唔係"個個"law...

作者: 大C姐 時間: 2010-1-3 19:58

每個人當然要對自己負責任，但政府又何嘗能夠逃避對自己廣大市民嘅職責？只係瘋狂右傾，眼裡面只有大資本家而無晒小市民，咁又算係點？Obama 都識講 Main Street 無好日子過嘅話，Wall Street 亦都唔會有好日子過。 ...
Lik 發表於 2010-1-3 19:42

Obama都係得個講字... 美國好多家庭連菜都買唔起(food inc.)。

不過我都覺得香港係太側於幫大發展商賺錢。無疑﹐要有錢賺個城市先會進步﹐有出產。但係基層生活落差亦唔可以太大。之前一百萬人的故事都講過啦。

作者: 快樂牛郎 時間: 2010-1-3 22:09

每個人當然要對自己負責任，但政府又何嘗能夠逃避對自己廣大市民嘅職責？只係瘋狂右傾，眼裡面只有大資本家而無晒小市民，咁又算係點？Obama 都識講 Main Street 無好日子過嘅話，Wall Street 亦都唔會有好日子過。 ...
Lik 發表於 2010/1/3 18:42

冇樓就想有平貨執
有樓就根本唔想個市跌

假設樓價突然狂跌
到時又有人鬧政府保護樓價不力
整垮經濟

而家美國樓價跌左20-30%
但係你覺得D人係開心左定唔開心左

要怨就怨條命生得遲
冇一早買樓
政府捧高樓價根本冇問題

作者: 快樂牛郎 時間: 2010-1-3 22:13

每個人當然要對自己負責任，但政府又何嘗能夠逃避對自己廣大市民嘅職責？只係瘋狂右傾，眼裡面只有大資本家而無晒小市民，咁又算係點？Obama 都識講 Main Street 無好日子過嘅話，Wall Street 亦都唔會有好日子過。 ...
Lik 發表於 2010/1/3 18:42

以前都講過
樓根本唔係生活必需品
而係奢侈品

我同意個社會唔應該俾人餓死
但係如果要人人有一層樓
咁點解唔可以人人有一部limo
人人有直升飛機
咁既社會幾好

作者: Catpiano 時間: 2010-1-3 22:13

Big sister is 80's after??

Well .. anyway .. sigh ..

作者: 快樂牛郎 時間: 2010-1-3 22:15

Obama都係得個講字... 美國好多家庭連菜都買唔起(food inc.)。

不過我都覺得香港係太側於幫大發展商賺錢。無疑﹐要有錢賺個城市先會進步﹐有出產。但係基層生活落差亦唔可以太大。之前一百萬人的故事都講過啦。 ...
大C姐發表於 2010/1/3 19:58

響資本主義社會生活最緊要同話事果個有共同利益
所以買股票一定冇錯
上至政客下至工會邊個會冇返幾十萬股票
個市一有咩事政府一定會托住

作者: 快樂牛郎 時間: 2010-1-3 22:16

每個人當然要對自己負責任，但政府又何嘗能夠逃避對自己廣大市民嘅職責？只係瘋狂右傾，眼裡面只有大資本家而無晒小市民，咁又算係點？Obama 都識講 Main Street 無好日子過嘅話，Wall Street 亦都唔會有好日子過。 ...
Lik 發表於 2010/1/3 18:42

社會責任只係窮人想不勞而獲既藉口

作者: mcjohnjohn 時間: 2010-1-3 22:48

Big sister is 80's after??

Well .. anyway .. sigh ..
Catpiano 發表於 2010-1-4 14:13

I think that it was just a typo... it should be "6" instead of "8"...

作者: Catpiano 時間: 2010-1-3 23:31

I think that it was just a typo... it should be "6" instead of "8"...
mcjohnjohn 發表於 2010-1-3 23:48

Oh yeah .. and happy cow should be 80's ...

I am old cake from 70's ... ( and you too, MJJ

)

作者: mcjohnjohn 時間: 2010-1-3 23:35

Oh yeah .. and happy cow should be 80's ...

I am old cake from 70's ... ( and you too, MJJ )
Catpiano 發表於 2010-1-4 15:31

hey, there should be plenty of LYKs from 70's la!
唔知有冇80's 既LYK 已經結左婚生埋仔呢?

作者: 大C姐 時間: 2010-1-3 23:55

Big sister is 80's after??

Well .. anyway .. sigh ..
Catpiano 發表於 2010-1-3 23:13

我成熟唔代表我老﹐我幾時講過我幾多歲? 我點解唔可以係80後呀?

-- 堅持80後C小姐

作者: mcjohnjohn 時間: 2010-1-3 23:59

我成熟唔代表我老﹐我幾時講過我幾多歲? 我點解唔可以係80後呀?

-- 堅持80後C小姐
大C姐發表於 2010-1-4 15:55

講下笑之麻, 唔好咁堅持啦, 認左就大家都開心, 得啖笑之麻~

作者: Catpiano 時間: 2010-1-4 00:07

hey, there should be plenty of LYKs from 70's la!
唔知有冇80's 既LYK 已經結左婚生埋仔呢?
mcjohnjohn 發表於 2010-1-4 00:35

80's could be 29 .. or even 30 .. it is kind of normal 結左婚生埋仔 too ..

But I guess most LYK are mid-late 80's ... still single la.. ^_^

作者: 大C姐 時間: 2010-1-4 00:07

不過"趕上車"呢句說話真係聽左好多年﹐其實好old school。80年代咪一樣有好多人話要賺多D﹐趕上尾班車﹗ 聽左咁多年﹐其實問題一直都在。不過近年D"豪宅"多左﹐拉高左個average﹐咪覺得好似好惡化。

其實無人買得起豪宅﹐發展商就會退而求其次。

作者: playingtoy 時間: 2010-1-4 00:08

[attach]7362[/attach]
最經濟。就梗係。生人霸死地。訓街。一於賴死唔走。比人趕。咪立架 shopping cart。搬張床過隔黎街囉。條時街青 (skytrain) 咁多天橋底。起馬夠一百張床位。我認為。政府未曾正確利用及分配資源。我地流浪漢。都係獨當一面既階層。唔怕風吹雨打日曬雨淋。唔需要乜野阿福得褒敲成 (affordable housing)。最好學日本咁 (如圖)。做城市規劃班 engineer 好鬼老土。硬係要種吓花呀。鋪下草皮呀。咁。但求美觀。我地流浪漢本身就係自然美。(我都係講吓笑。千祈唔好學我。)

作者: mcjohnjohn 時間: 2010-1-4 00:17

不過"趕上車"呢句說話真係聽左好多年﹐其實好old school。80年代咪一樣有好多人話要賺多D﹐趕上尾班車﹗ 聽左咁多年﹐其實問題一直都在。不過近年D"豪宅"多左﹐拉高左個average﹐咪覺得好似好惡化。

其實無人買得起 ...
大C姐發表於 2010-1-4 16:07

大C姐, 咁你有冇諗過"趕上車", 快d 嫁左去?...

講番地產, 果d 幾萬蚊呎既超級豪宅, 應該唔係普羅大眾afford 得起. 不過, 有d 萬零蚊呎既樓, 小弟都有d 朋友住緊, 感覺上唔算好豪, 小弟都係覺得住別墅果d 先算豪. 其實, 後生仔又唔係搵好多錢, 平平地買層百零萬既樓, 都應該供得起的.

作者: mcjohnjohn 時間: 2010-1-4 00:19

7362
最經濟。就梗係。生人霸死地。訓街。一於賴死唔走。比人趕。咪立架 shopping cart。搬張床過隔黎街囉。條時街青 (skytrain) 咁多天橋底。起馬夠一百張床位。我認為。政府未曾正確利用及分配資源。我地流浪漢。 ...
playingtoy 發表於 2010-1-4 16:08

playtoy 老兄。好耐冇見。係唔係之前果排。搵唔到可以免費上網既地方。所以就少左上黎玩。

作者: Purpleheart 時間: 2010-1-4 00:27

哇。好耐都冇見過。呢D咁壯觀既場面。聽講。而家city of vancouver唔俾人訓街。 " No Camping"。全部趕晒去 shelter。

作者: playingtoy 時間: 2010-1-4 00:27

playtoy 老兄。好耐冇見。係唔係之前果排。搵唔到可以免費上網既地方。所以就少左上黎玩。
mcjohnjohn 發表於 2010-1-4 01:19

嘩。麥兄。乜你又用句號。

作者: mcjohnjohn 時間: 2010-1-4 00:39

嘩。麥兄。乜你又用句號。
playingtoy 發表於 2010-1-4 16:27

呢d 叫做。入鄉隨俗。而家同緊。playingtoy老兄你吹水。當然要。用多d 句號。表示下對你既誠意啦。

作者: 大C姐 時間: 2010-1-4 00:40

大C姐, 咁你有冇諗過"趕上車", 快d 嫁左去?...

講番地產, 果d 幾萬蚊呎既超級豪宅, 應該唔係普羅大眾afford 得起. 不過, 有d 萬零蚊呎既樓, 小弟都有d 朋友住緊, 感覺上唔算好豪, 小弟都係覺得住別墅果d 先算豪. ...
mcjohnjohn 發表於 2010-1-4 01:17

我唔洗趕上車﹐出入有司機車我再唔係自己渣都得。

我無住過亦無諗過要買"假豪宅"﹐自己就住開獨立別墅。

-- 金C雀

作者: mcjohnjohn 時間: 2010-1-4 00:44

我唔洗趕上車﹐出入有司機車我再唔係自己渣都得。

我無住過亦無諗過要買"假豪宅"﹐自己就住開獨立別墅。

-- 金C雀
大C姐發表於 2010-1-4 16:40

大C姐果然係事業型女性! 呢類型既女仕, 好多都變成老姑婆, 仲會成日比d 後生既同事o係背後話佢心理變態tim...
大C姐切記小心小心...
小弟多口講句, 有車上就上喇, 免得蘇洲過後冇艇搭.

獨立別墅係好grand, 不過, 太大既話, 小弟反而有d 唔喜歡, 因為咁樣好似會同屋企人好疏離啊...

作者: Lik 時間: 2010-1-4 00:49

以前都講過
樓根本唔係生活必需品
而係奢侈品
快樂牛郎發表於 2010-1-3 22:13

投資樓 (investment home) 無錯係奢侈品，但有邊個人頭訂唔需要有塊瓦來遮風擋雨？從長達角度來睇，有棟自住樓嘅大數點都平過儸啲錢去交晒租。咁講法嘅話，自住樓又點會唔係生活必需品？

當然，個個人嘅 priorities 唔同。有人選擇去唔買屋而張啲錢用響其他地方，呢個係佢地嘅選擇，亦無得去怨啲乜野。但當社會上有一大班腳踏實地、又巡規導矩嘅人想去為生活而買屋都因為樓價高企而無法做到嘅時候，咁好明顯就係社會失行嘅寫照。

-力

作者: mcjohnjohn 時間: 2010-1-4 01:00

投資樓 (investment home) 無錯係奢侈品，但有邊個人頭訂唔需要有塊瓦來遮風擋雨？從長達角度來睇，有棟自住樓嘅大數點都平過儸啲錢去交晒租。咁講法嘅話，自住樓又點會唔係生活必需品？

當然，個個人嘅 prioritie ...
Lik 發表於 2010-1-4 16:49

中產唔會買唔起樓既, 新界區d 樓唔係好貴. 嘉湖山莊百零二百萬已經有三房, 月入三萬既家庭應該都供得起.
月入低過兩萬, 應該可以排公屋的, 當然要排一段時間, 起碼都要兩三年了. 不過, 如果願意同老人家住, 可以排快d 的.
最麻煩就係月入2-3萬既家庭, 佢地只可以儲錢比首期, 之後就買d 一百萬左右既樓. 單位一定細d 架喇, 但起碼都有個安落窩啦, 點都應該好過小弟N年前一家5口住1xx呎既廉租屋卦...

作者: 快樂牛郎 時間: 2010-1-4 01:03

從長達角度來睇，有棟自住樓嘅大數點都平過儸啲錢去交晒租。
Lik 發表於 2010/1/4 00:49

條數點計

作者: mcjohnjohn 時間: 2010-1-4 01:28

條數點計
快樂牛郎發表於 2010-1-4 17:03

低能既小弟只係諗到, 當層樓供遠之後, 層樓就係你既. 而租樓既話又永遠都唔係層樓既業主而唔係你既.

作者: fibbi 時間: 2010-1-4 02:01

喺邊度買樓都唔係容易架啦，香港唔平，vancouver呢邊都唔弱喎，要買樓，難難難。。。
我諗喺香港儲＄易啲掛，如果你可以唔（成日）shopping，唔happy hour，忍得三，五年都唔換手機嘅話，工作十年都應該可以儲到首期，買到一百幾萬嘅樓掛。

作者: fibbi 時間: 2010-1-4 02:06

6# 快樂牛郎

當然啦，喺北美州，返工一個鐘頭車，係濕濕碎。香港好多人都好夜收工，又要好早番工，來回兩個鐘頭用喺交通上，真係好多架。

作者: 快樂牛郎 時間: 2010-1-4 02:07

6# 快樂牛郎

當然啦，喺北美州，返工一個鐘頭車，係濕濕碎。香港好多人都好夜收工，又要好早番工，來回兩個鐘頭用喺交通上，真係好多架。
fibbi 發表於 2010/1/4 02:06

北美州就唔使好夜收工，又要好早番工?

作者: MoiRhapsody 時間: 2010-1-4 02:13

本帖最後由 MoiRhapsody 於 2010-1-4 03:15 編輯

北美有奉旨免費OT嗎？？朝八晚十聽過未？？
一個鐘車程上落班，係香港係好辛苦。

作者: MoiRhapsody 時間: 2010-1-4 02:17

北美如果真係要你OT到好夜，都會俾錢你搭的番屋企。（大公司計）
香港啋你都有味。

作者: mcjohnjohn 時間: 2010-1-4 05:55

北美如果真係要你OT到好夜，都會俾錢你搭的番屋企。（大公司計）
香港啋你都有味。
MoiRhapsody 發表於 2010-1-4 18:17

唔係既, 香港都有呢d 公司架!

作者: mcjohnjohn 時間: 2010-1-4 05:56

北美州就唔使好夜收工，又要好早番工?
快樂牛郎發表於 2010-1-4 18:07

北美州既打工仔, 如果好夜收工既話, 會唔會有OT 錢? 香港呢邊唔係咁常見啊...

作者: fibbi 時間: 2010-1-4 08:47

49# mcjohnjohn

如果係返夜shift，通常啲工資係高啲嘅。
如果係老細叫開OT，有啲公司（financial）會有OT＄，IT field要開OT嘅，我就從來都無聽過話有OT＄哩回事囉。

作者: Catpiano 時間: 2010-1-4 12:02

It is more expensive in Vancouver Canada.
BC_HST 發表於 2010-1-4 09:55

Yeah .. right .. 16,000 ft home in Van .. (actual size) is more expensive then 1,600 ft home in HK ar ma .. (and only 70%usuable)

作者: Ultraman 時間: 2010-1-4 12:09

Not all people will get married.
Not all married couples will have kids.
Why buying a house is a must?

作者: fibbi 時間: 2010-1-4 12:24

本帖最後由 fibbi 於 2010-1-4 13:33 編輯

53# Ultraman

咁講，俾rent又係俾＄，俾mortgage都係俾＄，俾咗mortgage，供滿咗間屋就係你嘅（呢啲嘢個個人都知），咁喺financial management point of view，有property 就係有asset，經濟上可以多咗option去再做其他嘢。俾rent就係liability，無乜效益囉。

作者: myversa 時間: 2010-1-4 12:31

Yeah .. right .. 16,000 ft home in Van .. (actual size) is more expensive then 1,600 ft home in HK ar ma .. (and only 70%usuable)
Catpiano 發表於 2010-1-4 13:02

I cannot believe you actually replied him....

作者: Ultraman 時間: 2010-1-4 12:34

53# Ultraman

咁講，俾rent又係俾＄，俾mortgage都係俾＄，俾咗mortgage，供滿咗間屋就係你嘅（呢啲嘢個個人都知），咁喺financial management point of view，有property 就係有assest，經濟上可以多咗option去 ...
fibbi 發表於 2010-1-4 12:24

I know, it's as simple as people getting married have a marriage certificate but there are still people not getting married but just living together. Why? Cuz people have different needs and preferred life style. Regarding for buying houses, more importantly is about money! (who doesn't know the economic theory?!) As simply as, if you (a general you) don't have enough money, better don't dream to eat abalone but instant noodles will also fill your stomach; thus you can't afford to buy/own your house you can/have to rent or live with your family lor. Or on the other hand, try harder to make/gain/save more money!

作者: fibbi 時間: 2010-1-4 12:42

56# Ultraman

How much is the rent for 2-bedroom apartment in Vancouver? $1000-ish?
How much is mortgage if buying $300K apartment (not brand new) with $30K down? (25 yr, 6.7%) $850 (bi-weekly) from TD bank website. (if more down payment then the mortgage is lowered as well...)
So if the difference is not that huge then it seems to still make more sense to own a property than paying rent?
But of course, if people prefer different lifestyle to rather spend the $ (about $800 in the above example), then it's their choice la.

作者: fibbi 時間: 2010-1-4 13:03

59# BC_HST

What's wrong with buying 20 or 30 years old town house/apartment?

http://www.mls.ca/propertyDetails.aspx?propertyId=8875531
This is under $300K and built in 1995, and in Richmond.

So you call this drug district too?

作者: fibbi 時間: 2010-1-4 13:15

本帖最後由 fibbi 於 2010-1-4 14:18 編輯

61# BC_HST

Where on earth you found a place with zero crime rate?
This is just one example of a property listing not on your "so called" gun crime/drug area.

Leaky townhouse? Then if a person really is interested in this place, he/she should check the past apartment minute, management records to determine if this is a good buy or not.

Back to topic, it's never easy to buy a property any where..but if we really want to buy...just need to discipline ourselves to save $.
Whether the house price is reasonable or not, I can't judge, it's driven by demand and supply? Do we want more govt intervention? Or less to stablize the house price? It's hard to say.

作者: Catpiano 時間: 2010-1-4 13:22

本帖最後由 Catpiano 於 2010-1-4 14:29 編輯

Fibbi .. give up la....

When someone said VANCOUVER house is more then HK house price .. that is a big problem la..

Of course, not pick those most expensive $30-50M house in BC to compare with 250 ft home in TIN SHU WAY ...

Some area, ~ $10K can per ft in HK .. some area .. may be $500 cad per ft ...  but in general, we all know HK, Tokyo, London etc ..  are EXPENSIVE to buy a home ..

Tax/Fee in Canada is high? many area in HK ..  pay $10K HKD plus fee per month ..  ( not tax, just the fee for security/whatever )

But is it true, in HK, you can live epensive or cheap .. many people making $1M a yr .. and not enough to cover their expensive ..  and many make $5K HKD a month, for whole family ..  we are not going to go though it again and again ...

No matter toppy, esl, math, HST whatever ... just a joke here.

作者: fibbi 時間: 2010-1-4 13:39

If we talk about buying property here....都係儲幾年＄儲個首期，take $ from RRSP, 跟住就要公一份，婆一份架喇。身邊好多朋友都係咁。
如果冇屋企人幫嘅話，多數會揀apartment 先，有能力再trade up。有屋企人幫嘅話，會買house，想鬆動啲嘅咪租個basement出去囉。

作者: 快樂牛郎 時間: 2010-1-4 13:41

53# Ultraman

咁講，俾rent又係俾＄，俾mortgage都係俾＄，俾咗mortgage，供滿咗間屋就係你嘅（呢啲嘢個個人都知），咁喺financial management point of view，有property 就係有asset，經濟上可以多咗option去 ...
fibbi 發表於 2010/1/4 12:24

Zero opportunity cost?

If you assume no appreciation for your house, the rate of return is worse than GIC.
But of course, house prices have been appreciating in the past century. But who knows what will happen next?

作者: fibbi 時間: 2010-1-4 13:46

65# 快樂牛郎

The house price is always "cycle"...sometimes low (in the early 90s), sometimes high (late 90s...), as long as you don't need to "sell" it at the particular moment, just wait for the good price lor.

作者: Ultraman 時間: 2010-1-4 13:48

56# Ultraman

How much is the rent for 2-bedroom apartment in Vancouver? $1000-ish?
How much is mortgage if buying $300K apartment (not brand new) with $30K down? (25 yr, 6.7%) $850 (bi-weekly) fr ...
fibbi 發表於 2010-1-4 12:42

Yes, that's likely you will get from banks' website, but that's only "maths". However the fact is, when you actually go apply for a mortgage, the calculation is never like that easy. Do you know how much your min. salary is if you only want to pay a little 10% down payment? Most common guideline is about 1/3 of total household income for the monthly payment. Base on your above example, if bi-weekly payment is $850, so monthly payment is about $1700 (+/-), therefore the total household income should not be less than $5100. In other words, also as you mentioned, people can pay more down payment in order to have the mortgage application approved if their monthly income is lower than required. But than that's the most popular hardest part- a reasonably big amount of down payment! (say at least $10000 or more)

作者: fibbi 時間: 2010-1-4 13:56

本帖最後由 fibbi 於 2010-1-4 15:15 編輯

67# Ultraman

What about 2 people contributing at the same time?
Say if we want to buy a property 5 yrs after graduating, how much can we save? Can we save $500/month on avg? So that's $30K for a person after 5 yrs?
If two people contributing then there are $60K for down payment already right...

作者: daimo 時間: 2010-1-4 14:08

67# Ultraman

What about 2 people contributing at the same time?
Say if we want to buy a property 5 yrs after graduating, how much can we save? Can we save $500/month on avg? So that's $300K for a p ...
fibbi 發表於 2010-1-4 14:56

i hope you mean 60k ... 600k you don't need a mortgage la...

作者: fibbi 時間: 2010-1-4 14:16

69# daimo

Thank you thank you, you are right. I just edited it...

作者: Catpiano 時間: 2010-1-4 14:37

Rent/Buy

Depends on where la.. if in HK I think renting is NOT bad ..  say a $3-4Million dollor home, ~ $8-9K /month to rent .. that is ~ 0.2% ... and for people who has $30M cash, they can invest in other area for sure .. ( again, assume no appreciation, which never happened in long run)

Here, they city I live, highest rent major city in the Country, $2K plus month for a condo, which can buy for $300K ..  that is ~ 0.7%

It is just life stype  ..  I used to like renting too (12 yr in Edmonton, always RENT as I was young.. ) once close to 30 yr old, is nice to have own home. ^_^

作者: Ultraman 時間: 2010-1-4 14:46

67# Ultraman

What about 2 people contributing at the same time?
Say if we want to buy a property 5 yrs after graduating, how much can we save? Can we save $500/month on avg? So that's $30K for a person after 5 yrs?
If two people contributing then there are $60K for down payment already right...
fibbi 發表於 2010-1-4 13:56

OK, let's do the maths.
Provided that to save $500 per month per person is possible. Then you two will have $60000 for down payment. If you're going to buy a $300K house, at 6.7% (as the example above), monthly payment is about $1600 and thus your (you two together) total income should be around $4800. If you two have a monthly salary of $2400 respectively (average), that's possible.

作者: fibbi 時間: 2010-1-4 15:08

My coworker did buy an apartment in Richmond, 30-yrs old, for around $120K (a couple years ago). And I didn't hear about lots of fixes or high maintanance cost from him as well...
So even 1 person, still able to buy a property ga... in Richmond wor... not talking about Abersford or Langley.

作者: Catpiano 時間: 2010-1-4 15:23

Fibbi .. again ..  depends on luck too ..  may be your friend's appartment was just FIXED before he bought it ..  ( depends on reserve fund )

But it is same as in HK wor .. like my parents, I think couple year ago, the building needed new "Finish" (brick or whatever) they need to pay ~$300K (other tenants too).....  plus noisy construction for months ..  and when they had some renovation ...  it was expensive, plus needed to go though different government department ...

In general, older house or older apartment, higher chance to have problem ...  just like cars or women ...

作者: fibbi 時間: 2010-1-4 15:29

74# Catpiano

Yeah...I guess he's lucky.
My mom's apartment (in Van here) is 20 yrs old but already requires tons of $$$$$$$$ to fix....

Of course if I can afford I go for newer property la...but it's not easy for first time buyer...

作者: Catpiano 時間: 2010-1-4 17:00

Yeah!!

Versa, where is your middle finger PICTURE??? lol

作者: Catpiano 時間: 2010-1-4 17:10

ha ha .. seems like Versa .. and many LYK .. finally .. GIVE UP!! NO AIR! lol

作者: mcjohnjohn 時間: 2010-1-4 18:12

49# mcjohnjohn

如果係返夜shift，通常啲工資係高啲嘅。
如果係老細叫開OT，有啲公司（financial）會有OT＄，IT field要開OT嘅，我就從來都無聽過話有OT＄哩回事囉。 ...
fibbi 發表於 2010-1-5 00:47

原來如此~ 咁同香港都係差唔多之麻~

作者: 快樂牛郎 時間: 2010-1-4 18:22

原來如此~ 咁同香港都係差唔多之麻~
mcjohnjohn 發表於 2010/1/4 18:12

ya, HK is not so bad

作者: tofu 時間: 2010-1-4 18:29

"""You said, in general, HK, Tokyo, London etc .. are EXPENSIVE to buy a home ...
But you can't prove it?"""

according to sugar suites which located on 2643 east hastings, a 645 sq ft(not including the public area wor) condo starts from $259000 CAD. which included granite countertops, stainless steel appliances, including a gas range, Kohler fixtures and soaker tubs in the bath, electric fireplaces, laminate hardwood and ceramic tile floors + a large lcd tv. this is 15-20 mins bus to downtown vancouver.
could you find some $1.8m brand new apartment which is 15-20mins bus to downtown HK and not less than 645sq ft(the actual apartment area, not include any public are ar).

作者: tofu 時間: 2010-1-4 18:41

本帖最後由 tofu 於 2010-1-4 20:01 編輯

咁講，俾rent又係俾＄，俾mortgage都係俾＄，俾咗mortgage，供滿咗間屋就係你嘅（呢啲嘢個個人都知），咁喺financial management point of view，有property 就係有asset，經濟上可以多咗option去再做其他嘢。俾rent就係liability，無乜效益囉。

for the identical property, usually the rent you paid is less than the mortgage+property tax + maintenance.
cash or stock can be asset as well. so instead of put your saving toward downpayment, you can invest your saving + adding the difference between (mortgage + ...) & rent. so you are accumulate your net asset as well. also the first few years mortgage payments are mostly toward the interest. plus you get the flexibility to move due to job relocation or.... of course you may loss money in stock market, just like you may get a leaking apartment as well

作者: Ultraman 時間: 2010-1-4 18:43

I think culture and environment is different. House price in DT Van is comparatively expensive, but prices in Mongkok, Wanchai, and Causewaybay are less expensive than some "less-urban" areas.

作者: tofu 時間: 2010-1-4 18:47

北美有奉旨免費OT嗎？
yes, they don't ask you to work ot, but you need to finish your work on time. i worked for a big corp before, but none of us get a penny ot. of course not 朝八晚十, but one hour+/day is normal. usually the hourly paid staffs will get ot, but not the monthly paid one la. the most give you an extra day off/ yr la

作者: myversa 時間: 2010-1-4 19:55

Yeah!!

Versa, where is your middle finger PICTURE??? lol
Catpiano 發表於 2010-1-4 18:00

I do not ruin a good discussion topic just because some self-centered dude.

Not worth my effort la.

Unless he keeps on targeting me again...

作者: Catpiano 時間: 2010-1-4 20:53

I do not ruin a good discussion topic just because some self-centered dude.

Not worth my effort la.

Unless he keeps on targeting me again...
myversa 發表於 2010-1-4 20:55

I hope admin won't ban him this time .. since he will make up ANOTHER name later anyway .. it is better to stay with this HST .. lol

作者: playingtoy 時間: 2010-1-4 22:28

哇。好耐都冇見過。呢D咁壯觀既場面。聽講。而家city of vancouver唔俾人訓街。 " No Camping"。全部趕晒去 shelter。
Purpleheart 發表於 2010-1-4 01:27

the last time when a young girl like you approached me. she was looking for weed and sex. and i did not have neither. but hey. thank you for your support. i am actually not that good. there are some real street experts who are way more experienced than i do. i am just a rookie compare to them.

the new bylaw is not bothering me. and its true. it is illegal to occupy city property with your personal items and call it your home. the police always has the authority to tell you to move*. so i guess it is highly not recommended. especially if you are a young female with no peer support. the only time ive seen people like your age in your gender were either hooker drug addicts or mentally ill on disability. in other words. you look too pure to me i rather not to touch.

* unless you go with the following options

a. you stay there on behalf of the police to look out for the lost souls.
b. you go hide. in some forests. where nobody will ever find you. only the grizzly bears. and you know how to deal with them.
c. stay in abandoned houses. and be waked up one morning by a bulldozer when you are sleeping naked and your house is falling apart.
d. stay out in the open like most of the downtown street person. and deal with all the bad stuff on a day to day basis.

and you are right. purpleheart. living outside was once a dream for me. what could be better when you can actually own the whole world and all the land. for free. but in reality. it's a little more complicated. 各位。打攪晒。你地繼續。

作者: Catpiano 時間: 2010-1-4 22:29

Thank you PLAYTOY!

作者: sheep 時間: 2010-1-4 22:35

the last time when a young girl like you approached me. she was looking for weed and sex. and i did not have neither. but hey. thank you for your support. i am actually not that good. there are some ...
playingtoy 發表於 2010-1-4 23:28

Welcome back!
Don't hesitate to come again.
Share your alternate idea

作者: tofu 時間: 2010-1-5 20:56

crime and drugs?

prove it? prove it?

hk apartment is cheaper than vancouvers?

prove it? prove it?

you always ask us to proof whatever we said, but how about yourself?

作者: Catpiano 時間: 2010-1-5 21:08

Waste gas la..

Yes ..  HK men are TALLER then Canadian men ..

Yes, PSP and Honger penis are longer then AFRICAN tim ..

LOL ...  he goes EXTREM high price house here vs EXTREM low price house in HK ..

Some $30million house in Calgary tim .. that is more expensive then most HK homes ... but also 100 times bigger then most homes there ..

He just like to start stupid argue .. I can say I am taller then YIU MING tim ...  do I need to PROVE IT ?? lol

作者: tofu 時間: 2010-1-5 21:15

"年薪廿萬，100萬樓只需要5年人工便可以買斷一間姑婆屋。(唔洗住唐樓洋樓，新界近港鐵站大型屋苑都係賣緊咁既價錢，例如嘉湖,金獅都係賣緊110萬)
如果公一份婆一份，只需2年半，
分20年供，買樓有何難呢?"

whoever said that, must not get a mortgage before.  at least she thinks the bank won't charge her interest.  if you 分20年供, you interest cost is almost same as your principle.  also, unless you are buying the new one, otherwise it is not easy to get 20yrs mortgage in hk.  plus you still need to pay for eat, traffic, student loan and your parents.

嘉湖, i believe she is talking about the one in yuen long, if you are not working in 尖沙咀, it will take you hours for traffic.  嘉湖 is at least 10yrs old la.

i think one of the major difference between people in canada in hk is, most parents in hk will need their children support them, but not here.  in canada, cpp + oas + supplement will good enough for  their regular spending.  and low traffic and medical costs.
but in hk, parents invest most of their saving on their children but they don't really have retirement fund.

作者: Catpiano 時間: 2010-1-5 21:25

Yeah .. agree tofu .. everything you said .. making sense..

I was thinking to move back to HK in 2000 and 2006 too .. but not in near future anymore.

^_^

作者: mcjohnjohn 時間: 2010-1-5 21:49

whoever said that, must not get a mortgage before.  at least she thinks the bank won't charge her interest.  if you 分20年供, you interest cost is almost same as your principle.  also, unless you are buying the new one, otherwise it is not easy to get 20yrs mortgage in hk.  plus you still need to pay for eat, traffic, student loan and your parents.

嘉湖, i believe she is talking about the one in yuen long, if you are not working in 尖沙咀, it will take you hours for traffic.  嘉湖 is at least 10yrs old la.

i think one of the major difference between people in canada in hk is, most parents in hk will need their children support them, but not here.  in canada, cpp + oas + supplement will good enough for  their regular spending.  and low traffic and medical costs.
but in hk, parents invest most of their saving on their children but they don't really have retirement fund.
tofu 發表於 2010-1-6 13:15

分20年供, 而家d 息好低, interest cost 應該大約係principle 既一半, 當然, 遲d 加息就另一回事. 至於20年mortgage, 唔難apply 到的, 我屋企人剛買左層20yrs+ 既樓, 都按到20yrs and 95%.
天水圍輔早返工有"村巴", 應該都會有去港島區, 一粒鐘左右啦! 不過交通費就一定比較貴. 至於retirement fund, 香港真係冇呢d 野. 而家呢一代既後生仔, 都會儲d 錢比自己退休用, 不過夠唔夠就真係到時先知喇.

作者: myversa 時間: 2010-1-5 21:58

Waste gas la..

Yes ..  HK men are TALLER then Canadian men ..

Yes, PSP and Honger penis are longer then AFRICAN tim ..

LOL ...  he goes EXTREM high price house here vs EXTREM low price house ...
Catpiano 發表於 2010-1-5 22:08

You said the key point; he likes to use extreme cases and old stats to prove to you Hong Kong is perfect place to live while Canada is at bottom.

作者: Catpiano 時間: 2010-1-5 22:06

Very far .. my friend used to live in 天水圍 .. ( cheap ar ma ..  ~ $1M  very nice and new )

But he worked in Aberdeen ... so .. 1.5 hr bus or drive everyday ...

I went 天水圍 few times to visit him .. not bad wor ..  u get everything there .. and can go anyway ..  plus everything ( C D, some electronic ) are cheaper! (MK price)

So, living in HK .. "FUNG KIM YAU YAN" ga jai ...  you can live in 天水圍 ..  or  Ma Wan or Lantau  for cheap .. if like HK island, and dont mind older building, can live in Tai Koo or kornhill ... for middle level .. can live in Happy Valley, Ho Man Tin ... upper class, Kowloon Tong .. Tai Hang ...

High end, can live in Repulse bay, Tai Tam, Peak, Jardin Lookout etc ...

作者: mcjohnjohn 時間: 2010-1-5 22:14

CP, 好一句豐儉由人~ 小弟完全贊同!
又要平, 又要靚, 又要正, 呢個世界邊有咁便宜既事woh.
有錢既, 選擇當然多d; 冇錢既, 自然冇咁多選擇. 如果唔係咁, d 人仲乜咁勤力去搵錢woh.

作者: starbug 時間: 2010-1-5 22:30

2643 East Hastings? Why don't you say Chinatown on Main Street and Hastings? You love crime and drugs?
BC_HST 發表於 2010-1-5 05:38

以前有個叫做托屁嘅日日响Hastings 賣淫, LYK就收七拆, 洋人同黑柴就免費, 後來唔知因乜事失咗踪 (好似話精神分裂痴Q咗), 所以我哋對Hastings 同佢個後庭有感情囉...,

作者: mcjohnjohn 時間: 2010-1-5 22:43

你又知佢收7折既? 莫非你幫襯過?....

作者: Catpiano 時間: 2010-1-5 23:04

洋人同黑柴就免費???

LYK就收七拆??

What if a LYK 黑柴? Toopppy pays??

作者: mcjohnjohn 時間: 2010-1-5 23:25

洋人同黑柴就免費???

LYK就收七拆??

What if a LYK 黑柴? Toopppy pays??
Catpiano 發表於 2010-1-6 15:04

starbug, 呢度得你幫襯過架乍, 你有冇見過price list? 下次影低佢post 上黎比大家參考下啦!

作者: tofu 時間: 2010-1-5 23:31

mcjohnjohn
can you tell me  which bank, which branch & which officer ar.  my friend want to get 黃埔, but she got rejected by four banks already.  she is only asking for 90%.  all officers told her that is no way she can get 90% for a 20+yrs condo.  hope your info. can help her la.
天水圍輔早返工有"村巴", 應該都會有去港島區, 一粒鐘左右啦!, you are talking about the special bus which run only couple hrs a day.  so other than that good luck.  and usually the traffic jam between "r tau" and police station, if you are using the "tunnel".

豐儉由人 - yes, just like my friend is still living in 天水圍, the public housing, even she can move out.  she rather saves some money for her children ar.

作者: tofu 時間: 2010-1-5 23:32

LYK就收七拆? group rate?

作者: mcjohnjohn 時間: 2010-1-5 23:43

mcjohnjohn
can you tell me  which bank, which branch & which officer ar.  my friend want to get 黃埔, but she got rejected by four banks already.  she is only asking for 90%.  all officers told her that is no way she can get 90% for a 20+yrs condo.  hope your info. can help her la.
天水圍輔早返工有"村巴", 應該都會有去港島區, 一粒鐘左右啦!, you are talking about the special bus which run only couple hrs a day.  so other than that good luck.  and usually the traffic jam between "r tau" and police station, if you are using the "tunnel".

豐儉由人 - yes, just like my friend is still living in 天水圍, the public housing, even she can move out.  she rather saves some money for her children ar.
tofu 發表於 2010-1-6 15:31

我細佬半年前左右買左綠楊, 真係95%and over 20 yrs! 我嘗試幫你問下. (希望我記得問)
不過, 佢個case special d, 佢唔係一般打工仔, 係專業人士, 自僱果隻, 自己有公司的, 唔知有冇關係.

至於村巴... 弊... 我真係諗返工果程車架乍. 因為呢程車最要準時. 至於塞唔塞車就真係唔清楚, 我好少去天水圍的. 住得o係天水圍, 就預左出市區一定冇咁方便, 但入面d 樓真係幾抵買的, 如果o係西鐵沿線返工就真係諗得過!

作者: mcjohnjohn 時間: 2010-1-5 23:44

LYK就收七拆? group rate?
tofu 發表於 2010-1-6 15:32

你唔係想同大家講你都有興趣丫麻...

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