快樂牛郎

我覺得，在這邊有車有樓不難；要手頭上有多餘＄就很難。

but if you have no car and no house, then you would have tons of cash leftover

快樂牛郎

Not necessary ga...If I don't buy a house that means I need to pay rent la. Rent is not cheap either.

Rent is definitely cheap compared to housing cost.
Nobody would buy if they don't expect a steep appreciation.