大C姐

Landlords can't just kick tenants out whenever they wish. To sell the house is one of a "illegal" r ...
FiChai 發表於 2010-9-5 14:07

    租得出去都係想賺錢啦﹐個市好放樓好正常﹐我都租過地方住﹐人哋要賣樓真係無得出聲﹐呢個係事實。就算唔租俾外人﹐都可能收樓俾個仔住/ 父母住﹐呢D都係防不勝防。

當然﹐如果樓市差﹐確實可以搬﹐租平D﹐呢個case我唔會拗。同埋我都覺得如果工作唔穩定﹐會成日走/工幹嘅人﹐租係確實方便D﹐呢個都係理所當然。

各有所需啦﹐如果你唔鍾意買樓﹐我唔會encourage任何人買。因為買好租好﹐都有風險﹐唔可以一面倒話一樣好晒。我覺得你唔買/同屋企人住﹐實有你原因﹐我唔係你﹐我唔會知。我個situation可能大把錢﹐我蝕得起﹐得唔得? 我唔見李生/ 何博士租屋住囉﹐如果你覺得買樓咁笨﹐at least我同全世界所有有錢佬一齊笨。我租過又買過﹐我諗我算有少少條件討論呢個話題。比起有D旁邊出聲嘅朋友連邊個俾agency fee都未知又就去插嘴﹐仲有膽笑人果D無知者﹐我起碼可以講係經驗之談。唔同意無所謂﹐你可以選摘聽一D無經驗嘅人同意你﹐或者你只係想有人支持你想法。


-- 有多餘錢買樓的大C姐

大C姐

However, the recent trend (esp. downtown area) is suggesting that giving up the currently unit and ...
MSN04 發表於 2010-9-5 08:34

如果錢好緊的話﹐我唔會建意買樓。點都係一個投資﹐係風險要蝕得起。

我都講過﹐如果想買又afford唔到﹐可以買平D。凱漩門買唔起可以住屯門﹐何文田買唔起可以住沙田﹐半山買唔到可以諗諗馬鞍山。我覺得要預鬆動D﹐自己住唔係炒的話﹐其實cashflow好易計。

總之要好了解自己financial situation先去買樓﹐買嘅時候個budget要渣緊唔好越睇越貴就ok。

大C姐

你咁樣會招人妒忌的...
不過, 我都諗唔到有錢去買樓有乜野問題.
我有個朋友, 唔知係唔係細個成日玩大富 ...
mcjohnjohn 發表於 2010-9-6 01:01

唔會有人妒忌既....或者人哋身家過千萬不過覺得買樓死蠢﹐所以死都唔買姐﹗我唔覺得我值得人妒忌﹐聽好多人口氣句句鏗鏘落地有聲﹐我開始覺得呻笨添﹐原來租樓咁free又有保障﹗我覺得所有業主戇居囉﹐我就嚟放架啦﹐識得有蠢人買樓話過我知﹗

-- 水魚C

大C姐

I agree 如果錢好緊的話﹐我唔會建意買樓。However, the reason is not because of the "risk" of this ki ...
FiChai 發表於 2010-9-6 09:56

    我無呢D statistic﹐我唔敢講一定賺。但係你講都岩一半﹐無錢係可以租平D﹐但係人點窮都要住(assuming唔可以同屋企人住)﹐平極有限。

反而我會覺得要有儲錢習慣﹐有樓的話平日apply定line of credit﹐不時之需突然手緊都有少少後備。另外買樓有好處係進可攻退可守﹐若然想囉D錢去做小生意﹐將棟樓加按去套現都仲得。

大C姐

True, but you did not take into account inflation. You really have to at least beat GIC to claim a ...
BiscottiGelato 發表於 2010-9-8 09:30

    I think that's a very valid article. When i looked at FiChai's link, from 1994 high point the real estate market went down until it came back up in 2004. The prices of real estate were about the same, but in reality, it's a loss due to time value of money!

So are properties in Vancovuer over-priced now? Perhaps, or maybe it's just in line with inflation (increase just as much as other consumer goods) as others pointed out. Will there be a "correction" in the future? Perhaps, but no one knows for sure. And even if there IS an inflation, what does that even mean? Does it mean it's stupid to buy before the correction and everyone should just wait for that correction? And what % of decrease in prices is considered appropriate? If it goes down by 10%, does it mean it's a good time to buy then? What if it goes down by 9% and never moved, so one should never buy?

My point is, if you look at it as an investment, then yes, you should probably try to make some forecasts and predictions, but that's not the top priority for me, or many home buyers. And even if it IS an investment with embedded risks, one should seek out a strategy that suits his/her financial situation. Remember, just like stock market, there are riskier products (margins, options) for institutional traders and there are also blue chips for normal individuals. AT ANY GIVEN POINT, there are people trading on the stock market, you can't really say "there will be an adjustment in the market later, and buying ANY investment now is a bad idea".

After all, I don't look at buying a house as an investment. If I purely want to make money out of it, I would spend my downpayment elsewhere - that's needless to say. BUT you can't just look at what MIGHT happen in the futre (no one knows what's going to happen) and put everything in life on hold. If you find something you love, buy now, it's not a stock, it won't be on the market forever! Sitting there trying to guess which way the market is going is not something I recommend. I'd rather live in my own space comfortably and spend my time working diligently and make my money elsewhere.

-- single lady 大C姐

大C姐

Buying a house to live is just like buying any other neccesities. The smart ones will try to buy i ...
BiscottiGelato 發表於 2010-9-8 13:32

    I agree finance is not my STRONGEST point - i never claim to be a finance guru. I only draw upon my personal experience and share my perspectives on things. There is no right or wrong answer, whether you agree with me or not, I make a decent living for myself and I can at least afford properties and other neccessities on my own, more than some people here can say.

I believe even when the prices are high, there are good value properties out there. If you are like me, who enjoys owning my house and can afford that kind of lifestyle, I don't see why not? Not everyone in Canada put down 5% downpayment and have 6% equity, I am not an "average Canadian" perhaps.


-- self-sufficient 大C姐

大C姐

True, the OV does not represent the whole housing market, but it shows that there is actually an upp ...
MSN04 發表於 2010-9-8 15:31

    There are many reasons geh... for one, many people doubt the olympic village is well built, since it was "put together" very quickly.

Not too long ago, there were people lining up to buy other condos in Vancouver downtown - ie, the Mark and Woodward, they're both MORE expensive than the Olympic Village (in terms of $/sf). What does that mean?

大C姐

Instead of tyring to show off how much u can afford, or what kind of good life you are having.  Ma ...
MSN04 發表於 2010-9-8 16:14

Thanks for your sugguestions, but some also believe "ignorance is a bliss".

I am not trying to show off how much I can afford, i am just stating the facts. I am happy with my life, I worked hard and earned the right to celebrate my success.


-- Blissful and content 大C姐

大C姐

There is a fine line between celebrating your own success and bragging...
If u want to celebrate y ...
MSN04 發表於 2010-9-8 16:45

    LV又入埋我數? 我幾時...唉﹐算啦。蹦口人忌蹦口碗﹐我講D咩你無嘅都會覺得我晒命架啦。勞力是無止境... 你都係俾D心機賺錢啦。

-- 80後小富婆

大C姐

下? 蹦口人忌蹦口碗? 你又知你講既野我冇?
MSN04 發表於 2010-9-8 19:17

    你話你係poor people live on minimum wage呀嘛先生/小姐。我話我有錢買樓係晒命﹐我唔認有樓又俾人話我虛偽姐﹗