|
|
一定要住市區嗎？
陳偉強
大學講師
2013年8月10日 (東方)
一個月入六萬元的中產家庭，若按一般人設想的生活模式，在香港過活也挺辛苦。一般人認為，這類中產合理的生活方式是該在市區置業，生下兩個小孩後，一家四口在市區買一套新建樓房，這類房子的實用率低得可憐，四口子買個建築面積一千呎的單位非但不為過，甚至可能是基本要求。市區新樓萬二元一呎是起碼水平，一千呎面積盛惠一千二百萬元，付了三成首期後，供款三十年，每月還得供三萬多元。
每月剩下二萬多元的生活費，一家四口要過符合中產水平的生活，其實千難萬難。即使不相信養大一個孩子要四百萬元，但中產家庭要投入四百萬養大兩個孩子，恐怕還是需要吧。養兒二十年，平均每月便需近一萬七千元，試問一家人的生活費還所剩幾何？還未計及所繳的入息稅，怪不得中產家庭慨嘆，他們的生活有時還不如住在廉租屋的市民。
其實，一切的痛苦之源都是來自堅持要居於市區的觀念，一千二百萬元樓宇的三成首期就是三百六十萬元，這筆 錢已足夠在新界西北區十多年樓齡的大型屋苑購入一個八百多呎的單位，這類房子以實用面積計算，可能已跟一千呎的新樓無異。
居於新界區，校網可能略遜，交通也沒市區便利，但由此可以省卻了一輩子的供樓負擔，難道真的不值得考慮嗎？
|
|
|
| |
|
|
| |
|
|
|
|
|
1. 數據分析員 2013-08-10 09:39:40
|
|
|
2. 路人丁 2013-08-10 10:00:03
|
對不起，新界區的新樓也不見得平，例如沙田區和屯门區的新盤，尤其是过千呎的大單位，也要过萬仟一呎，何來平宜呢？根本是整体楼價都不平宜,無論市区或新界。
|
|
3. Hongkong People 2013-08-10 10:38:25
|
To No. 2,
Why they need to live in the newly built building?? I live in N.T. with fresher air, spacious living space and good value private condo. I am not forced to live there, I can afford to live in mid-level 1000 sq. ft apartment. But I choose to live in my existing place cos' I find it more sensible in spending my money.
Everything is a matter of choice. It is hateful to see people blaming the government or the society for causing their miseries. The truth is all the miseries are from their own choice.
|
|
4. 樓價一年後跌五成點算？ 2013-08-10 11:03:36
|
傻仔 唔好而家買呀 樓市跌幾成 機會大過 升一成 莫高追接貨
|
|
5. 真系傻仔 2013-08-10 11:27:00
|
這種真系傻仔,一未等跌五成, 6成,7成,8成,9成好嗎? 你個傻仔夠膽買嗎? 你 Lee 類人一世都買吳到樓,太貪心.
|
|
6. TO 4/F 2013-08-10 13:24:27
|
樓價若果真的跌五成, 直覺思維去諗, 應該係有大不利經濟情況發生, 例如瘟疫, 中日擦鎗走火, 北韓出見大規模戰事等等, 引致通缩重臨, 到時揾份工, 揾两餐都難, 有錢都留番市況更差時開飯, 平平都唔敢買, 03年時, 九龍塘住宅大約三千蚊呎左右, 如果現在賣咁嘅價錢, 我諗好多人即刻仆倒買, 點解當時無乜人敢買呢?
|
|
7. 一定要住市區就算係劏房 2013-08-10 13:48:22
|
如果: 家中有两人以上要去市區返工. 家中有小朋友要去市區名校讀書. 近鐵路新界樓比市區樓平不了多少, 較平的轉車次數太多. 交通費太昂貴. 往返時間太長. 買樓除了自住還考慮投資因素.
陳偉強大學講師請考慮埋上述因素再寫一篇文章, 謝謝.
|
|
8. 窮人才住市區 2013-08-10 14:41:02
|
紐西蘭北島的奧克蘭是該國最大的城市，市內只有約6-7平方公里的CBD，除商業大廈之外亦有一些公寓大廈，居住的多數是外國學生、新移民、低收入階層和極小數富裕者﹝住高級公寓大廈﹞，大多數人都喜歡住在郊區或周邊城鎮。
|
|
9. Hongkong People 2013-08-10 15:14:56
|
To No. 7,
Normally when property price in low side, blue chip estates in the city will beat the estates in N.T.. when property price in high side, that of N.T. has a high chance of beating that in the city. Go and check Centaline Property Index.
It is not necessarily that the investment potential of N.T. property is lower than that in the city.
|
|
10. middle middle class 2013-08-10 17:36:36
|
"買樓除了自住還考慮投資因素", this is exactly the reason why most people prefer to live in downtown / big estates / new flats. CY and his team, please understand the real reason behind.
|
|
11. To 8 2013-08-10 18:00:17
|
|
|
12. 小巫師太 2013-08-10 23:45:54
|
千尺市區新宅點會輪到你六萬元月入住！你自量，試問有多少人高入息過你，又有多少千尺樓比你揀，想新想市區，太天真！
|
|
13. 奴工子隸 2013-08-10 23:49:37
|
|
|
14. yy 2013-08-11 07:28:33
|
憑統計得出的結果，過往十年跑贏的是舊唐樓，升得比藍籌屋苑高，通常是被人忽略的項目才有大回報，太古美孚被收購的機會很微，揸貨成本高，錯價機會低，租金回報亦遜於舊樓，要見人所不見才有機會突圍而出。
|
|
15. Hongkong People 2013-08-11 09:20:36
|
To yy:
Good point. From 2011 till now, N.T. also outperforms those high end and blue chip properties.
So, people blindly choosing heart of downtown just reflect them having little knowledge on the property market.
|
|
16. to 11,太古樓特別貴 2013-08-11 14:23:22
|
|
|
17. 西營盤都O甘貴 2013-08-11 14:24:51
|
|
|
18. 點解太古樓O甘貴 2013-08-11 14:44:04
|
你去完太古廣場再去其他發展商的商場,就知點解太古樓O甘貴
|
|
19. 樓中人 2013-08-12 09:03:25
|
非常同意yy,我有個朋友專買市區舊唐樓,單幢樓,他十年間已變成千萬富翁
|
|
20. 小小巫 2013-08-12 10:53:44
|
十年前，一個女同學買一個新單位，而家升值三千萬，唔洗裝修，唔洗劏,本少利大，唔洗炒作多多,有眼光，三兩個，佢而家過億萬.
|
|
21. 屯門$13000一呎 2013-08-12 14:07:32
|
|
|
22. to 20/F 2013-08-14 21:57:26
|
|
|
23. anggie T. 2013-08-14 23:20:22
|
Well said No.12) If you have a family income of 60K & you wanna check in a 3-6 yrs old islandside 1000sq ft apartment that would not be possible unless you have strong savings/financial background from parents. TaikooShing is good only when you buy it at 2005-2009/10, now it's at its record high & don't forget it's been over 30 yrs old. Just the maintainance & renovation will cost you alot. Buying apartments you'll have to check your purpose(self-use more imp. or investment more important) & then affordability. Everyone wants to buy in Kowloon Tong/Mid-levels or prime locations, but if you have accumulated nothing/not much(means less than 2.5-3MILLIONS) in the last 15-20 yrs of worklife. Back to the basics & look for something/area you can really afford, apart from buying a self-use unit, I guess you still have to retire/provide education to your kids, right???
|
|
24. agree with 23/F 2013-08-15 10:03:00
|
|
|
25. 藍灣半島高層10年升值1.6倍 2013-08-15 13:21:15
|
|
|
| |
|
|
App下載
