八九十年代，普通打工仔的人工增長極快。當時每年加10%人工簡直羞於口齒，加20%或以上者比比皆是，而且工作比較穩定，最多東家唔打打西家。當時的置業者願意承擔較高風險，願意拿出60%以上的收入來供樓，他們相信若干年以後隨著收入上升，供款所佔的比例會急劇下降，情況一如現時的大陸。

踏入21世紀，普通打工仔的收入長期停頓，其大多數不敢期望日後收入會大幅上漲，還會擔心裁員、失業，試問他們又怎敢高額借貸，大膽買樓呢？

03年底至今的樓價上漲不外三大因素：1)美元長期貶值，2）外來投資，主要來自內地有錢人，3）政府收緊土地供應。至今第三大因素已經轉向，1）、2）兩大因素的未來尚難以預測。無論如何，這幾年是資金市，與八九十年代普羅大眾收入大增時的剛性需求不可相提並論。

因此，上一代年輕人積極買樓，現在的年輕人要求增加公屋、復建居屋均是環境變遷之使然。可變的是環境，不變的是人性，人性中有因應環境而建立自己價值觀的因子。

Hi Sir,

Agree with your comment that the young people these days are toooo disappointing to us, they play very hard but seldom think about working hard to save & invest that kind of old wisdom.

There will be some challenges in the properties market, esp. adjustment in areas that are over-valued(new luxurious apartments for example, you just don't know how come they come to the price today)  And the richest group can afford some corrections easy......For majority of user-friendly apartments, still judging factors are low interest rate, supply & demand factors.  My humble apartments in Ma Wan has gone up from 2009 to now almost 38% to 52% but still transactions slow down but price's not really dropping b'coz it's end-user's paradise.(where can u still find new apartment under 6Kper sq ft with excellent club houses, swimming pools & 80% utility rate?)  If anyone's going to sell, go find somewhere to rent/buy in downtown, in either case they're going to suffer. 

So my opinion is: if you're real long-term investor & end-user, it's O.K. to hold it.  If you aim at short-term speculation, sorry hold on to the ride!

Hi Sir,

Agree with your comment that the young people these days are toooo disappointing to us, they play very hard but seldom think about working hard to save & invest that kind of old wisdom.

There will be some challenges in the properties market, esp. adjustment in areas that are over-valued(new luxurious apartments for example, you just don't know how come they come to the price today)  And the richest group can afford some corrections easy......For majority of user-friendly apartments, still judging factors are low interest rate, supply & demand factors.  My humble apartments in Ma Wan has gone up from 2009 to now almost 38% to 52% but still transactions slow down but price's not really dropping b'coz it's end-user's paradise.(where can u still find new apartment under 6Kper sq ft with excellent club houses, swimming pools & 80% utility rate?)  If anyone's going to sell, go find somewhere to rent/buy in downtown, in either case they're going to suffer. 

So my opinion is: if you're real long-term investor & end-user, it's O.K. to hold it.  If you aim at short-term speculation, sorry hold on to the ride!

4樓：銀行一般都有魔鬼條約，理論上隨時都可以改利息，而且隨時可以call loan。但是正常不會這樣做，因為會影響聲譽。而且要承受政治壓力。

所以一般準時還錢，就無問題啦，不用太擔心。理論上03年那些負資產，銀行是可以call loan的。

回4樓:

既然您與銀行簽了合約訂明利率, 銀行當然不能隨便更改條款啦! 不過您有權兩年罰息期過後轉按. 轉去另一間利息平一點的銀行. 不過我會提您這樣做併沒有什麼好處. 因為您要再鎖兩年罰息期之餘, 還要付律師費去辦理文件做轉按.

The bank will normally offer you H+0.6% or no greater than P-2.75%.  You need a cap for Hibor mortgage plan because Hibor rate can fluctuate drastically.  Be careful!

I have been repaying my apartment since 1994. I am an end-user, not speculator. I have been thro all the adverse real estate situations, especially in 2003 SARS period, when my apartment worth less than half price of my purchase price! I've been working hard for my family & my apartment, after almost 18 years, I paid up and it becomes my own asset - a place where is my family's own shelter.......

However, this "stpd government", those "stpd politicians" and those "stpd citizens" are yelling and hurting the value of my own asset! This is my wealth, my lifetime investment and why people have to crush my wealth??? Where is the truth and fairness???

年輕人唔駛急於買樓,最緊要做好份工,有升職有加薪,儲定多啲首期,等樓價跌10-20%至入市都未遲,作者作為地產人士都唱淡樓價,我地唔駛擔心冇平樓買.

不過咁,年青人仲要多啲出來游行示威,抗議高樓價,等政府繼續出招,我地未買樓者將來就可以更平買樓啦!

上善若水兄: 你的意見甚為合理,且是有根據的,只是在關於年輕人上車難一事上,我們大家都給予同情,雖說80和90年代年輕人薪水加幅比現在快和多,上車置業信心比較強,但是他們都是白手興家,故要儲蓄首期不是很容易,他們是經過艱苦的過程才達成願望的.

但是現在年輕人跟以前有些不一樣,就是他們大多數有父母給他們首期買樓,加上利息長期偏低,上車置業和供樓其實是不難的,如果不是年青人死都不肯屈就而搬進新界區的話,那麼選擇買新界上車盤其實是非常輕鬆自在的,新界樓價跟深圳樓價現在已很接近了!

Hi Sir,

I am rather disappointed (or even riduculous) to see that you use the mortgage payment as a comparison of household income as the proxy for measuring the easiness of buying a property. From my study, in the 80's or 90's, the down payment could be as less as 0%, transaction costs (stamp duty) much lower, salary increase over 10% per year. Nowadays, even if you are looking for a 3-million flat, you need 900k as down payment, please let me know how you could save up that money without AT LEAST 15 years of time (please don't tell me you could have return over 10% per year as there are risks in investing). 

現在的年青人很不要臉,是奮青還是糞青,不是自家說的

Agree with Kei008's thread! Real estate/properties are a commodity, people just wanted to buy-low-sell-high! Price determined by demand and supply, while demand is in some ways derived from being confident to the market!!!!

There are plenty of options for youngster who need shelter!!! Real estate is a money game! SORRY!!!!!!!!!!!

嘩!! 原來溫州炒家用的是貪污錢, 天X撻訂了.

唔好買樓,無謂一世做樓奴!

2003年抑或2011年佢地都唔會買樓，因為香港天橋多！

最近TVB套電視團圓，最後妹妹系點識穿奸人的詭計呢？她這樣說，他哥哥叫她要勤奮，要讀書。但是奸人只叫他去玩，花錢。

同樣一個道理，飯民為了選票，只會叫政府開倉派米，只會要建多點公屋，完全不會說叫香港人勤勞一點。邊個系神，邊個系鬼，應該好清楚啦。

民建聯最多成功爭取一些濕碎的成果，飯民最喜歡恥笑他們。

但是飯民為了選票，就來成功爭取了菲傭變成港人。

邊個系人，邊個系鬼。

閣下一係食懵咗，一係老契是賓賓！

要革命就要有牺牲,當全民普選還政於民嘅時候,經濟差啲只係一陣間,相信有人離開就會有人進入,貧富懸殊要改變,香港應該重新洗牌至合理.

要達至公平公義嘅社會,就要將建制派議員踢走,向功能組別說不!還我全民普選!

從支持基層的那位poor guy，可以理解到點解飯民渣滓會支持賓賓有居留權，好明顯的，就是為了選票，為了自己的利益，犧牲全香港人的利益。

賓賓這個民族，非常的懶，跟飯民一樣，都是喜歡不勞而獲，喜歡享受，但是卻不想付出，可以想像的是如果他們有拘留權，到時香港的治安會怎樣的。這些人肯定是吃綜援，吃完之後，沒有錢，就去打劫。這就是賓賓國度，他們肯定也會帶來香港。

go to hell， 飯民渣滓。

從"向泛民說不"者嘅言論,就知道其係一個冇文化嘅人,口口聲聲話人地係POOR GUY,其實就係話緊自己.

香港係言論自由嘅社會,全民普選係社會必經之路,還政於民亦係天經地義嘅事,唔到你呢班建制派反對就得,成日係度胡亂發表意見,都只係孤芳自賞而已!

犯眾憎政黨替菲傭爭居港權，港人終於忍無可忍前往圍剿：

http://www.youtube.com/watch?v=oXD9FNh6I1M&feature=player_embedded

網民譴責：政棍亂港 刁民横行,幾時再有這反泛民行動通知一下,我都想去

我一向都用廢青來形容80後,我的賣點是比他們勤力,老闆都唔知幾BUY,SOR~我等緊比你打,不過我有心臟病,掂一掂我都會暈低,等緊你地陏手,放心我唔會還手

普選等2017年吧

教精你AIA條X仔，香港800萬人有幾百萬人無投票資格、有投票資格嘅又有成200萬人無登記做選民、做左選民嘅又會有各種理由係選舉日唔投票；只要我哋爭取到全港人口計果拾個%基層公屋鐵票，加埋唔知我哋泛民做緊物嘅X仔中產選民，我哋坐定粒6架！

AIA你死左條心啦，幾時都係窮人多過有錢人，一人一票我哋win硬，泛民你哋班議員唔好忘恩負義，係我哋基層谷你班友上位架，我住左爛蓉蓉嘅舊樓成拾年，輪都輪到我GOD，唔該天比高一個預留，記得装修好先叫我去睇樓吖，為左唔好增加你哋壓力，龍X天池獨立屋示範單位装修得啦！

同飯民講風度，簡直就是對牛彈琴。這班人的自私，為了自身利益，乜都做得出，仲講乜風度。他們遊行，破壞交通程序，還要說自己是對的，同這些人邊可以講風度。

對這些人講風度，真是是秀才遇到兵，有裡說不清。

"支持支持基層"我今日佳人有約,暫時放過你先,你都唔好做宅男了,出去走走,可能會找到個女仔唔厭你窮

接近群眾者才會得到政權,普選將來臨,唔到你班保皇黨自以為是,務實做事,關心基層市民至有可能得番些少選票.

共產黨已收回香港,佢地當年嬴取天下就係靠近群眾,香港當權者和保皇黨必須認清形勢,唔好成日以民為敵!

唔好成日笑基層年青人冇拖拍,現今社會要拍拖容易過借火啦,返大陸大把年青靚女等我地,別以為有拖拍好威,不知所謂!

基層市民唔係痕拍拖,係唔忿氣唔公平嘅社會,官商勾結咁嚴重,地產霸權咁猖狂,我地要反抗到底!

除咗未買樓,本人亦係努力工作之人,薪水並不算太差,閣下唔好以為自己好高尚,相信到你咁嘅年紀,本人可能都係有樓有車,就算冇樓都可以租來住,生活質素唔會太影響.

請唔好成日睇唔起人,天外有天,人外有人,有樓唔係最威風!

你说我自大又好，什么都好，我只是不想在弱者里做强那个，我喜欢在强者里做最弱那个。

我相信在這裡反對飯民的都是屬於右派，本身都是不支持民建聯的，但是不能接受泛民的極左思想，民建聯和飯民，一個溫和左派，一個極左，兩害取其輕。最後不能不將飯民踢下台。

至於陳淑莊這類港女，系香港大把剩女，都系嫁不出去，甘就偉大，民建聯都有幾個剩女，他們一樣偉大，一樣令人敬佩！--- 向剩女致敬，她們都是有才幹的女人。哈哈哈。

“各位保皇黨或有樓者必須明白,唔好與基層市民為敵,否則普選時,你地將付出沉重代價!” 好一句文革口號，幫你加多一句，到時打倒你們這些投機倒把的壞分子，哈哈哈。

104樓傻得來都幾可愛。如果你的logic成立，保皇黨好幾個剩女一樣情操高尚,為社會為大眾付出青春和時間,大家都同樣要領情,一個社會的進步,人民是要達至公平公正,香港實在好需要呢種無私奉獻嘅議員!

真搞笑。

唔知道點講好,那些自命清高嘅保皇派,不知人間疾苦,扮站係道德高地,有樓就沾沾自喜,令人討厭!

剛剛電視台節目有魔術師正在諷刺香港樓價貴,呢個已是人所共知嘅社會問題,你班友仲係度狡辯.

如果下個月開始老闆用定量之黃金出糧，人工勢可更緊貼樓價升幅，負擔比率穩定了，大家肯定可以放心入市供樓！到時應是「兩金」(萬幾HKD)「呎土」了 - 國際單位，老外都覺得方便！

We are the middle class who had been paying tax for 20 years, the properties owned have spend 15 years of heavy saving, with efforts of our whole family - my wife, my sisters, and my mother  & myself who had been working so hard to joinly save the money and pay back all the mortgages, today we have pay day. pls protect our interests by expressing views to Chief Executive and let him know our voices. Don't just listen to those politicans & those foolish 80's who did not even know the meaning of hard work and foot stick to the ground just because they block the traffic, doing something violent, and use extreme and high profile way of just expressing their free wills. 

Say No to those politicans, they encourage free lunch, lack of common sense, economy knowledge, those people will lead HK people to a dead end. Be careful ! some pretty words, or slogans could have dangerous traps. This cause the whole community to pay the cost.

policyaddressbudget@fstb.gov.hk

謝謝您抽出寶貴時間與我們分享您對二零一一至一二年度施政報告及二零一二至一三年度財政預算案的意見。您的參與令我們更了解社會人士的訴求。我們會仔細考慮您的意見。
行政長官辦公室
財政司司長辦公室
Thank you for sharing with us your views on the 2011/12 Policy Address and the 2012/13 Budget.  Your participation helps us understand the needs of the community better.  We will consider your views carefully.
Office of the Chief Executive
Office of the Financial Secreta

大學生申請公屋係好事,未雨綢繆避開昂貴嘅私人樓市場,將來一畢業就可快些搬入公屋居住,留番多啲精力與時間做一些有益及有建設性嘅事情,無謂成日害怕要倫為樓奴而充滿憤怒情緒!

坦白講,點解要為咗層樓,省吃儉用和失去旅遊等嘅樂趣,簡直係愚蠢到極,人生唔好成日講樓,大家唔買樓,地產商就做唔到霸權啦!

香港嘅公屋係留俾合資格嘅人士去申請,無論你嘅身份係大學生或80歲老人家,就好像香港眾多符合資格嘅長者咁,不管佢地身家幾厚都可以申請生果金一樣,社會對呢種行為並冇異議.

因為咁嘅合法行為而俾人罵為無恥,是有人習慣扮高尚教訓人,公然與大學生和基層市民作對,存心分化和加深社會各階層矛盾,唔怪得公義嘅泛民議員愈來愈受歡迎啦!

廢材無大志，完全不想經過努力也達到，而是想不勞而獲，這就是社會主義的黑暗，這就是社會主義導致貧窮的原因。

一個大學生，投資了差不多200萬，出來之後，原來公屋，居屋可以滿足他們，既然是這樣，又何必投資幾百萬，點解唔一生出來比政府養。一生做廢材。

飯民班渣滓，垃圾議員。唔死都無用。

It is a matter of motivation and conscience.

To be eligible for public housing, your household income must be no greater than certain amount.  If you are a single person applicant, there are some requirements.  Public housing is low-rent housing built with government money. For those low salary income class, they need it because their salary income will remain nearly unchanged for life-long job.

Public housing is not a stepping stone for the following selfish goals.

1. Quick apply for HOS

2. Saving money to buy a private property flat

3. A resort house

4. A study room

5. A tutor-time class

Fresh graduate students, education is the key to solve poverty.

基層市民成日俾人欺負,就以居住環境為例,成日迫在蝸居裡,無論讀書或生活都倍感艱苦,久而久之,便失去意志力和戰鬥力,宣家佢地連住公屋都覺得很滿足.

現在有部份有樓網民更諷刺基層市民申請公屋嘅行為,同時亦周圍無情恥笑佢地,相反就講到自己幾咁努力上進,毫無同情之心,唔怪得成日為基層爭取福利嘅泛民議員咁令人欣賞!

申請公屋在年青大學生裡面很普遍,大家都知道香港樓價貴絕全球,沒理由一定要我們年青人成世做樓奴,很多年輕人已選擇將來不買私人樓宇,他們為的是要改變香港的地產霸權!

有樓者整天用辱罵語氣發表言論是沒有風度的行為,身為既得利益者難免給人自私自利感覺,這樣的話只會激發起年輕人更多反抗情緒,更加支持泛民派,今年是選舉年,投票來臨時泛民黨更為有利!

All fresh Graduate should develop their life long career because they have a better position in their early stage.  A job is a regular activity performed in exchange for payment. Yet, a career is a person's course or progress through life.

In next ten years, what are you?

Opportunity chooses the prepared!

我想現在的大學生申請公屋,或許是對樓價太高和地產霸權的不滿,有可能將來他們成長了會改變此行為,但是作為有樓階級和工商界人士,也應該多關心和體諒他們,不應該對他們總是怒罵.

不然的話,讓其他人有機可乘,介入並拉攏他們走向更極端,對香港的未來很不利!

各位人仕，如果你有仔女讀緊書，係末入大學嗰陣已經有第時住公屋，食阿公咁嘅思想，你作為父母會點想，好開心？話拒叻？末入學嘅準大學生，到你哋大學畢業，再做幾年嘢，樓市可能已經天堂地獄走一轉，讀得大學已經係社會最優秀嘅一部份人，係好多香港人好辛苦夾份供你哋讀書，等你哋第時回報翻呢個社會，但你哋嘅表現實在令人太失望！！！！