fatpat

引用:

原帖由 goldwater 於 2013-12-1 12:46 發表
加息係未來趨勢，但幾時加，加幾多？大家估唔到，最基本2014年係冇條件加，現時低利率就係實實在在的事，
以下用97年中原領先指數100點去比較現時樓價120點的上車盤供款差額；




97年 樓價：  400萬元                            ...

Ha ha, my view

Even though initial interest rate is high, but then you will switch to a cheaper plan a few year later.

I have my first mortgage charging me P-2.775% at first,
and then switch to H+0.65% a few years later (~1% currently).

So the real math is much more complicated

fatpat

引用:

原帖由 goldwater 於 2013-12-1 22:05 發表
以現時普遍租金回報3%計算，上述摟價480萬600呎建築面積的租金約12,000元，扣除差餉地租及管理費開資約2,500元，再扣除每月供款的利息3,227元，即租樓比供樓的開支每月多出6,273元，一年就流失儲備75,276元，而現時因政府政策打 ...

Renting out is another story

Assume 2 years lease contract,
1) you have to paid the agent commissions every 2 years to rent your apartment out
2) you have to make up your apartment every 2 years
3) all that bills / repair costs etc

Most of the time the return is smaller than you think.

P.S.  Still if you have spare money and can get the apartment at a decent price,
        I agree that it is still a sound investment, and worth to have in your portfolio.

fatpat

My hope is that I can earn something from Options,
then use the proceed to invest into the property market
for a more balance portfolio.

My math for property

50% initial deposit, and use the rental income to finance the mortgage.

So with luck I can have a property at half its initial price
as long as the rental can paid for all the sundry costs and mortgage.

Better yet, collecting more to provide a positive income flow.

fatpat

引用:

原帖由 Speedfox 於 2013-12-2 23:22 發表
可不要奢想2014樓價可掉一半，甚至二成也難成事。政府的目標是趺二成，要跌穿二成的下限，非有發展商帶頭推低售價不能為。現時，在辣招的護航下，發展商只要把印花稅津貼置於售價內，再稍微開低於市價，便能散貨套現。那麼，大量供貨 ...

So we have 2-3 years to profit from the Options market to prepare for the property market.

Good luck all