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. |
發表於 2010-1-4 01:00
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