大C姐

我記得早陣子開個題mention過我識得朋友喺香港月入5萬﹐仲有秘撈﹐都有人係完全唔信。所以我好深深明白呢個世界每次警訊案件重演都會有人話"有無咁誇呀?"﹐D咩宣明會籌款又有人會問"有無咁慘呀?"......

原來好多人思想係"我無見過﹐你一定講大話﹗"

大C姐

因為大家都覺得大C姐既高貴形象, 係要天匯級既樓盤成襯托得起...
唔講笑喇, 其實買兩層2, 3百萬港紙既 ...
mcjohnjohn 發表於 2010-7-14 21:30

    我養得起自己﹐但係我同時都係一個死窮鬼。我賣身都買唔到天匯啦。

其實天匯有無人買都成問題......

大C姐

咁我唔否認, 我人生經歷真係好少... 可能同我細細個都而家都順風順水有關係. ...
mcjohnjohn 發表於 2010-7-14 21:34

    唔關你順唔順啵﹐你有親織有朋友﹐返學有同學﹐你唔好奇﹐唔想知人哋嘅故事咩?

大C姐

就當佢係呃自己... 你同佢好熟咩? 你仲乜野要教精佢? 唔通你同我一樣都當LYK既member 係自己既好朋友? ...
mcjohnjohn 發表於 2010-7-14 21:41

我好耐好耐之前都講過﹐你覺得大C姐唔順超就當我係一個死八婆﹐點解要同我顛要同我理論? 你咁激動咁上心去反駁我﹐又咪係變左一個八公/八婆﹗

大C姐

100k down for 350k apartments in downtown 500-650 sqft. 1 bedroom 1 bathroom not bad for first time  ...
Davidcopperfeel 發表於 2010-7-15 02:54

    有D門外看﹐從未諗過買樓﹐仲係同緊屋企人住﹐玩緊玩具食緊奶﹐自己可能又真係無能力﹐就覺得好無可能架啦﹗

大C姐

Your liquid asset should at least have two times this amount.
Investors, I believe they won't  ...
sheep 發表於 2010-7-15 07:03

好多Canadian都係得物業﹐RRSP同insurance。

RRSP都算係investment﹐都算係diversify。

Liquid asset呢家嘢﹐若然你有兩層樓﹐line of credit有可難? 有咩風吹草動要用錢都應該唔成問題。再唔係最多賣樓姐。

大C姐

暫時投有樓嘅人佔大多數﹐即係其實都好多人afford得起。

所以話﹐一邊有人話樓市太熱﹐另一邊一樣有人繼續買樓o者.....

大C姐

回復 142# Catpiano


    我有樓都無vote啦﹐可能其他人有樓都唔vote﹐所以打和呢。

當然係唔scientific啦﹐但係比想像中多人有樓囉。我先頭估大部份人都係同家人住。


Anyway﹐去講一個point係唔需要加句"read news la!"。你讀得晒所有報紙雜誌咩? 個debt ratio點計先? 你又知一定準? 個語氣唔洗去到咁definite﹐我要巢的話﹐一樣有opposite view嘅報導揾到。

大C姐

C fu, I mean I read that from news yesterday ..   not something I made up from mid air ar ..

I am  ...
Catpiano 發表於 2010-7-16 08:03

    I don't doubt you did your homework and I trust that your information is from a reliable source, but you can simply state your opinions/ findings without the attitude.

Not everyone reads every article, and let's say I didn't notice that particular piece, that doesn't necessarily mean I don't read the newspaper, okay?


I appreciate your research. The reason why BC has lower debt ratio can be partially explanined by policies/ regulations. In many ways, the policies in BC are stricter for lending/borrowing money for mortgages. I know someone who used to work in mortgages, they say the paper work for BC deals are always more than the ones in Calgary/ Edmonton. Perhaps someone can verify that?

大C姐

回復  大C姐


    唔駛客氣。我都好鐘意At 17把聲。

講番買樓，如果係做IT嘅，new grad都可以搵到＄40K ...
fibbi 發表於 2010-7-16 15:08

Buying a $400K house with a $40K salary is a bit ambitious......


On your defense, I know many chinese kids live with their families and they pay ABSOLUTELY NOTHING - ie, all of their salaries go to entertainment. They would try to add an "eduational value" spin on things so their parents will pay for their phones/ computers, etc.

Having said that, there are plenty of properties in Burnaby/ South Vancouver/ Surrey for under $300K (some are older, or not the best location, but if you're making $40K you have to compromise). 20% downpayment is mostly acceptable in Vancouver, that's about $60K downpayment and $1000+/ month. For the downpayment, if you save $800 a month, it takes around 6 years or so, depending how financial savvy you are, you may take less time from riskier investments. Most likely you can get a loan from your parents for at least portion of it, which will not be too bad.

Anyway, my point is, if your goal is to buy your own place and you're not being picky, even with a modest salary you are able to afford to buy under 30.