MSN04

Also, provided that the rent is enough to cover everything monthly (utilities, mortgage, management, property tax, maintenence...)

Losing money monthly and become a 負資產 would be very devastating...

fibbi

I do believe rent helps mortgage but what about utility monthly fee property tax etc...I don't believe it is able to cover all or maybe just barely cover all.

Catpiano

I do believe rent helps mortgage but what about utility monthly fee property tax etc...I don't belie ...
fibbi 發表於 2010-7-14 17:31

    And biggest concern is unexpected maintain/fixing cost ..

fibbi

回復 53# Catpiano


    very true.

大C姐

Agree thats what i do now 租兩層樓 out and they 幫我供
Davidcopperfeel 發表於 2010-7-14 15:47

    我同你同"正常"投資者都會咁諗啦。好似MSN04講﹐你估樓市升緊架?

當然如好多人所講﹐好多蛋散搏樓價升﹐所以租金cover唔到mortgage+management fee都無所謂。但係如果你買樓收租個intend係個租金唔夠break-even的話﹐即係你每個月要俾多幾舊水cash落去invest﹐到最後要升幾多先歸本? 呢個同買大細無咩分別。

所以正常個rental yield係應該break-even(at least你買個陣個intention會想break-even﹐當然之後發生咩事無人predict到)﹐otherwise你係借錢炒樓係投機唔係投資。

sheep

回復 55# 大C姐


    收完料 你又兜
開過啲你識架 post 啦 拜託

大C姐

買樓收租最重要係個租客幫你供呢個投資﹐二三十年後退休賣左佢﹐又有筆退休金。自己就有好多朋友都係買層舊 ...
billleevanchi 發表於 2010-7-14 15:35

你講果D手上有幾棟樓就更加要小心﹐若然你朋友收租唔夠break-even﹐你邊得嚟咁多cash? 好多人98年賴大嘢都係10個㷛7個蓋 - 唔夠冚。

大C姐

this is assuming prices will be higher after adjusted for inflation and you will live long enough  ...
快樂牛郎 發表於 2010-7-14 16:24

    你講得呢句好悲觀啦﹐咁你唔好買基金唔好買保險﹐今天有酒今朝醉洗晒D錢算啦。


...oh wait﹐你80歲死唔去點算?

大C姐

回復  大C姐


    收完料 你又兜
開過啲你識架 post 啦 拜託
sheep 發表於 2010-7-14 17:55

我唔夠膽講我係expert﹐咩都識。但係我敢講我有呢方面基本知識﹐至少我有租過樓有出租過樓﹐有買過屋有賣過屋(hk & vancouver)﹐你唔同意都好都唔可以抹殺我有嘅經驗。

sheep

我唔覺你係有經驗同人分享囉