tofu

"""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).

tofu

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

tofu

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

tofu

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?

tofu

"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.

tofu

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

LYK就收七拆?  group rate?

tofu

poor admin, need some rest.
but hope admin can reopen "Aoyama cafe", in case someone really looks for a job.