reyes

回復  reyes

2房2廁四層拍文, 5年新三樓以下約60萬, 頂樓63.5啦. 全新14層highrise的低層2-4樓, 2房2廁要 ...
satil 發表於 2012-11-14 23:49

    全新highrise我都睇過1房都要6x萬

大C姐

No, near 0% means our economy is pretty messed up. 10% is to curb uber inflation/excessive specula ...
BiscottiGelato 發表於 2012-11-15 14:28

    你唔係炒樓的話如果加息供得吃力最多拖長嚟還２０年改做３０年，你咪等息低先縮返短囉。呢個世界人人都要住，咁多人買樓都唔可以驚得咁多！

你唔趁後生買，你老咗真係連mortgage都冇資格，就真係好濕滞。

randommike

回復 292# B2L2


    the middle tower above the New West skytrain station

randommike

回復 298# 大C姐


    Yeah, that's why I chose New West and with skytrain, I can get to downtown in 30min.

I have heard stories too but it's not too bad. I used to live in Surrey (my parents still do) and it's fine.

BiscottiGelato

你唔係炒樓的話如果加息供得吃力最多拖長嚟還２０年改做３０年，你咪等息低先縮返短囉。呢個世界人 ...
大C姐 發表於 2012-11-15 14:59

Umm... I am not worried about not being able to afford a mortgage now or in the future. I am more worried about being tied down when I'm young, esp a 6 figure amount of inliquid cashflow.

Regardless. Yes, as long as one can sustain all the variables and have a long term outlook., owning can be a better option.

But otherwise, one should carefully evaluate, instead of dismiss, all the possible scenarios before choosing to mortgage. Especially those whom requires 2 income streams to afford a mortgage or expect to be able to sell their property in order to release equity as needed.

大C姐

Umm... I am not worried about not being able to afford a mortgage now or in the future. I am more  ...
BiscottiGelato 發表於 2012-11-15 19:41

    我唔覺得tied down喎，我可能唔係供好貴嘅mortgage啦，我鍾意可以買多間都得，所以手頭都算有鬆動。我又唔覺得就算去第二度要賣，可以當vacation home可以俾屋企人住，再唔係可以租出去，都好值租。

我唔鍾意租係因爲租樓好麻煩，如果唔係自己地方，都唔知買唔買自己鍾意嘅家俬好，如果一兩年搬又驚用唔著，又唔想裝修，驚裝完個業主又要賣。好難有個私人空間嘅感覺，要睇人頭做人。

reyes

回復 316# 大C姐


    我租樓唔會買太多傢俬, 因為唔知道自己會係到住幾耐. 我以前有個朋友租只係買左張床+飯檯+電腦檯

大C姐

回復  大C姐


    我租樓唔會買太多傢俬, 因為唔知道自己會係到住幾耐. 我以前有個朋友租只係買左張床+飯 ...
reyes 發表於 2012-11-15 21:35

    就係啦，我以前租過地方住，連凳都唔多張，點招呼朋友上屋企坐？唔好話食飯檯，連茶几都費事買，驚第日唔啱襯。搞到自己生活好似好拮据，用埋啲cheap嘢，二手貨，成屋毫無美感，住得好唔開心囉。

B2L2

回復  B2L2


    the middle tower above the New West skytrain station
randommike 發表於 2012-11-15 18:21

My friend is the manager of the dollar store across the street from your place.  Go shop there more often.  

BiscottiGelato

就係啦，我以前租過地方住，連凳都唔多張，點招呼朋友上屋企坐？唔好話食飯檯，連茶几都費事買，驚 ...
大C姐 發表於 2012-11-15 21:40

Yeah, agreed. Rent is a pain cuz u can't buy as nice stuff for your place. That I view as the biggest downside to rental.

That said, I do need to know my savings' in a liquid place that I can access on demand over the next several years. I don't have a half a million or something lying around so I can keep a couple houses without feeling the pinch. A mortgage will mean that a significant amount of my current savings along with future income will go to into the house. If a downturn of 30%+/at least 100k down, does happen over the next several years, then the equity in the house will be completely wiped out. If this happens right at the moment I need the capital (relocation and buy a place elsewhere, tuition for further education, etc), then I will be really really screwed.

I will buy a place once I decide to marry and settle down~ My current stage in life doesn't justify house ownership, and current valuation doesn't justify real estate investment. I'll pass this time. Good luck to everyone else tho~

I will still buy some cheapo sofa and dining table and all that. Anything that won't have concern of decor matching I probably will not cheap out tho.