大C姐

I think it is irresponsilbe to think this should be a 30-40 committment.  Mortgage yourself to 65 ...
Look4chrisng 發表於 2010-9-28 16:06

   that's why some people buy when they're young, instead of rent. at least you can save some money in most cases or secure a place to live when you're old!

大C姐

Vacouver is grossly expensive and unaffordable.  That's why it is not a good time to buy!  How are ...
MSN04 發表於 2010-9-28 16:14

    i look at stats and stuff, but i take them with a grain of salt, and i dont' think prices will always go up, i only believe i can comfortably afford the place(s) i bought....

i know the market prices and i know how much other people make in Vancouver, i don't think it's unaffordable. i dont' know if it's a good time for YOU to buy, that's your own decision....

大C姐

You are wrong then.  You don't need 50% downpayment. Hint: CHMC.
MSN04 發表於 2010-9-28 16:16

    you can't get a mortgage for $700K on a 60K annual income, CHMC isn't going to insure stupidity... even if you can.... i certainly don't think you SHOULD.

大C姐

Should we add car payment, property tax, medical there?
and $200 food... can't eat out wor... Can  ...
MSN04 發表於 2010-9-28 16:19

    so even if you don't buy, and you rent, you may pay a couple hundred less a month, how 好洗 is that? i dont think 300 bucks more a month will suddenly turn a tight budget to an extravagant budget.....

大C姐

I thought you just said you read stat and reports.  I guess you are just blowing again.....
MSN04 發表於 2010-9-28 16:28

    i thought the reports mentioned 70k-80k median household income... and they said house prices of 700K-800K, not mortgage of 700K....

perhaps we were reading different reports lor, excuse me....

大C姐

Mental crack down again?  It was you who suggest that 60k is comfortable to buy 500sf in downtown. ...
MSN04 發表於 2010-9-28 16:31

    i dont think renting and having an extra 300 bucks will make a world of difference if you're not comfortable to start with... that's my point!

大C姐

回復  fibbi

car (gas and insurance) 300 wor... insurance 150 a month?  gas 150?  no car payment lo ...
MSN04 發表於 2010-9-28 16:36

    live with mommy and daddy!

大C姐

唉﹐其實都係果句﹐有幾大個頭就帶幾大頂帽。

D樓有幾貴其實上MLS一目了然﹐豐儉尤人。確實平均可能係貴﹐但係一般人係咪買樓無望﹐我覺得絕對無呢件事囉﹗你自己一個人儲到幾萬蚊首期﹐都可以上到車啦。Surrey, Poco, Pitt Meadows都仲有好多平嘅condo/townhouse。若然過幾年升左可以換大D/搬近D﹐唔升可以唔賣﹐一日唔賣自住都唔算蝕。但係如果嫌三嫌四的話﹐係你唔想買﹐而唔係買唔起﹗

萬事起頭難﹐除非好有錢唔係點解一買要買$700﹐000嘅樓? 好多人成日呻買唔起樓﹐其實要求太高﹗大學畢業一出黎唔會即刻做到manager囉。

大C姐

淨係你住嗰度升？
咩叫水漲船高
貴賣貴買
冇乜著數
sheep 發表於 2010-9-28 22:09

    買唔同租﹐你供左一段時間已經有個本﹐加埋層樓又升的話要買再貴D都可以有多D首期。

大C姐

fibbi, you don't understand what statistics mean. Statistics mean what the MAJORITY of people do.  ...
BiscottiGelato 發表於 2010-9-28 18:33

    呢D"數據"有時真係害死人... Vancouver好難做stat係因為好難去區別呢個area﹐唔同香港地方細而且個城市"居民"好clearly defined。

Vancouver (metro/ lower mainland)同Vancouver市已經兩回事。淨係講Vancouver市的話﹐好多人打工只係做customer service/ sales/ hospitality唔係好高收入嘅工作因為係旅遊區等等﹐呢D人嘅收入可能入左去Vancouver市個income statistic﹐但係呢D人大部份都唔係住Vancouver﹐可能係住Burnaby/ Coquitlam都唔定﹐所以D statistic係以居住地點計定係工作地點已經好confusing。

另外﹐如果D收入平均數係出自CRA就一定唔會百份百準。呢個世界有瞞稅﹐海外資產係咪個個人都計足我諗唔洗我多講。好多人(可能你身邊都有人)申報"收入"近乎$0﹐但係照有屋有車﹐香港人家庭為例不足為奇。

所以呢D報告點解我話唔可以100%盡信係我真係唔知個來源係點計。淨係用個結果黎無限量放大﹐講到實牙實齒話statistic可以解釋到majority of Canadian嘅生活模式﹐我會有所保留。