筆者嘅見解幾有道理, 購置居屋係無升值能力嘅,還是買私樓較為合算.

政府用公帑興建居屋,不但係浪費納稅人嘅金錢, 更令公屋延遲興建,拖慢輪候者嘅上樓時間, 所以反對復建居屋,讚成自食其力,我地剛上車一族唔靠政府資助!

  亞強不自強, 小明最聰明.原來買私樓比居屋仲多好處, 居屋係唔升值嘅,難怪新一期嘅夾屋只賣5成,當局再復建居屋係唔恰當嘅做法.

我地上車一族反對再興建居屋,甘樣做對我地剛置業買樓呢班人唔公平.

睇樓同睇男朋友一樣，可租可買，租可簽一年生約一年死約，或兩年死約，約滿(即甩拖)可租另一件，如果買就要去田土廳/註冊處簽買身契 。

揀老公與揀樓也一樣，可先租後買，買咗都可以樓換樓，如果買咗件「亞強」咁冇升值潛力的居屋，咁就好似我咁「抱恨終身」。

TO: 强嫂

你現時樓換樓都唔遲喎! 一於換咗亞強這件居屋!

香港人有一個不太精明的習慣, 就是喜歡小屋換大屋. 我認為, 如果沒有迫切的改善居住條件的需要, 不宜過早地小屋換大屋。如果有能力的話，應該積極考慮買入另一單位作投資用途。

物業有消費和投資雙重性質, 自住物業就算升至天價也好，終歸是自用性質的，只是紙上富貴。但投資物業就不同了，一來物業升值可賣出，獲取可觀的利潤；二來如價錢不合適或不想賣出，仍可收取租金，為自己提供穏定的現金流。

這一點很重要，如果僅靠薪金去供樓，壓力會較大，必然會降低生活素質，而用租金去供樓，實際上是付了首期後，別人幫你供樓。這將會加快你的資產增值速度！

從以上小明和亞強的例子來說, 亞強收入不低, 如果積極考慮投資一個收租物業, 以戰養戰, 增加現金流, 改善自己的財政狀況, 將來未必跑輸小明。

多謝明嫂的好意!

哎... 青春一去不返，我的花容本錢已大不如前，首期唔够，你估你話換就換喇。

雲在青天水在瓶講得有道理, 亞強買錯咗居屋,唔買都買咗,宜家應該同女朋友商量吓, 宏景花園都係唔錯嘅地方,小兩口結婚都夠住.無須作太多比較.

亞強入息唔錯,可考慮另買一個細樓或舊樓投資收租,中下價樓嘅樓價較為理性及便宜,成本手續費等嘅開支少啲,但係收租回報不俗,值得唸唸.

如買舊樓一個唔覺意給地產商睇中收購,發咗達添,亞強加油,努力做嘢,前途未必輸給小明!

樓價必升無疑

政府今日拍賣何文田佛光街與忠孝街交界的地皮，競投氣氛激烈，3號牌發展商承價至108.5億，瞬即再由19號牌寶崙有限公司承至109億成交，比開價68億元高出６０％，每呎樓面價12,540元。

公司註冊處資料顯示，寶崙有限公司由新地持有。

兩個因素令以後樓價無法下跌:

1/ 聯繫匯率不變  ─  任誰主政，決不敢動它分毫！

2/ 政府絕不賤賣土地。

高價賣地唔係新鴻基地產著數,係政府多咗收入,政府要高地價政策保收入,如果唔係就要加稅,令我地市民百止加斤.

新鴻基起豪宅賣給大陸中資人士及其他外資,我地香港人唔會買呢類樓,我地有大把樓選擇,香港大多數嘅樓未回到97年價錢.醒目嘅香港人識得選哪一種樓嘅!!

小明其實無須向父母借錢,可向按揭保險公司借夠9成樓價,一樣可以輕鬆上車.買私樓係著數啲.

本人八卦走去問地產化理,麗港城和宏景花園嘅樓價走勢, 係呢幾年來的確同作者所講嘅差唔多!!

亞強確實輸了幾條街。 (當然,若樓市升)

so亞強冇得心有不甘，祇怪自已眼光or命運！

我也是冇樓人仕...... :(

One more thing:

亞強或輸在冇向父母借$$$ or 亞強父母冇能力借$$比亞強

MR HO: 你好, 本人亦是剛剛上車不久, 其實要下定決心, 宜家供樓利息很低, 通漲來臨可能樓價會再升,買樓是積極做法,本人唔係鼓吹人地一定要買樓,只是經驗之談.買咗樓心會定啲.

你睇今天賣地成績就知樓價係易升難跌, MR HO, 把握機會上車啦,你會踏實啲嘅, 讓你我一起共勉!!

大楼先生, 不要说的政府这么伟大, 说到底高级公务员的高地价政策, 是为了他们退休后的长奉和现在的高工资, 完全没有考虑香港的将来.

最好的对比是星加坡, 楼市也是闯新高, 人家一推就是几十幅地, 把抄家吓倒, 这种政府才值得一提!

世事何層是絕對,樓市有升有跌,未到最後也未知成敗,小強雖買居屋,但沒有借父母錢,自力更生,己值得尊重,父毋養育多年,還要借取辛勞的積蓄.(你有的是青春和機會,父毋有的只是餘生)

最好的对比是星加坡, 楼市也是闯新高, 人家一推就是几十幅地, 把抄家吓倒, 这种政府才值得一提!

樓價唔易昇，最慘係人工更唔容易昇，這就是新加坡！

"政府賺一筆即係全港市民有番一份"?????

官商勾結，離職到地產商事後報酬，分條毛俾你！

最近，前大摩經濟師謝國忠便寫了一篇名為《中國的資產泡沫依賴症》的文章，指出強大的利益集團已經讓中國的宏觀政策舉步維艱：地方政府把高地價看做 命根 子，國有企業希望利率不要升，中國的宏觀政策已被矮化成了心理治療，僅靠一些口頭上的表態和技術上的微調去嚇唬投機者。

Yes, we have to work hard and do not rely too much on our government, unless you are ready to pay high tax.

On the other hand, I really don't believe there is a big recession in front of us.  If it is, trust me, don't keep any cash, but run away.  Because if there is a big recession in the world, China will have social unrest, and you cannot live safely.  If you have cash, you will be killed.

掃把頭先生言論有偏差唉, 我唔係話政府或地產商偉大, 只係覺得高價賣地庫房多收入,對市民有利, 地產發展商起豪宅高價賣給中資大陸客,對我地無壞,呢種新樓豪宅唔係我地要買嘅.我地有大把低消費嘅選擇.

仲有,高消費品如: 珠寶,鑽石,鐘錶,黃金,名牌貨等都係賣給大陸自由行人士,我地斬佢地一頸血.有香港助經濟發展.

政府多收入,可起多啲公屋居屋及增加福利給低下階層,我地仲免加稅,好處唔少.

我去過不少先進國家,我認為香港是全球最自由最公平嘅地方,你睇呢班政府高官都要到處討好市民就知啦,如果係星加波,就算係網上發表言論駡政府都會俾人拉嘅,我以身為香港人為榮!!!

紐西蘭風光如畫、空氣清新，房價相對比香港便宜得多，三百萬港元一座獨立屋已經可以比美香港的千萬豪宅，政府沒有高地價政策，卻有高稅率(普通入息都要交30%稅，購物消費要俾多12.5% GST)，差不多要俾四成半收入俾政府！我情願低稅高地價好過。

"Yes, we have to work hard and do not rely too much on our government, unless you are ready to pay high tax." The above comments did not make sense.

What I think the following is the truth instead :

1) Those borned after 80's did not really rely on our government but they just fight themselves for good government management, freedom to speak, low flat prices,.. etc.  (I borned after 70's)

2) Do you means that HK government need us to pay low taxes. I can say that you are totally WRONG. HK Government is very clever to ease the burden by higher land prices and I don't agree HK tax is low.

When you buy houses, need to pay Stamp duty!  When you even rent houses, also stamp duty !

When you are getting older in HK, no any medical benefits, (just the so called fruits fee)

In foreign countries, you pay taxes but enjoying medical benefits and housing benefits.

Remember when you are retired, just have the useless MPF and you need to think investment methods to keep your living standard and NOBODY (even you) can ensure that your MPF is sufficient or useful when you are retired.  

I think you should borned after 60's or even 50's, seems to have generation gap. 

上車一族!你好!!

首先多謝你的鼓勵，我也在物色物業中，但祇可入市after 2 yrs at least.因這2yrs有很多不能cut的支出！of course such支出是享樂的東西！well....希望能買一個合心水and price單位la!!

HK Property bubbles will collapse before year 2012 ! 

Asia bubbles will collapse before year 2013 !

True.  I am from the 60s.  I appreciate the idea of good government management, freedom of speech and low flat prices.  There is no generation gap here, because I am open for any other comments / new idea.  Yet, we need to live in reality which means there are lots of restriction and we have to compromise, whether you like it or not.  One day, we all will get old and we will be more sophisticated.

Put it like this.  Ask government to help those who cannot afford to buy the first flat;  at the sametime, ask government to help those existing owners to buy the first luxury flat.  What do you think?  It is fair, isn't it?

We from the 1960s do support the idea of good government management, freedom of speech and low flat prices.  It is not the matter of age, but attitude.

True.  I am from the 60s.  I appreciate the idea of good government management, freedom of speech and low flat prices.  There is no generation gap here, because I am open for any other comments / new idea.  Yet, we need to live in reality which means there are lots of restriction and we have to compromise, whether you like it or not.  One day, we all will get old and we will be more sophisticated.  You seems to me that you are NOT open to accept other comments, a stubborn matters.

Put it like this.  Ask government to help those who cannot afford to buy the first flat;  at the sametime, ask government to help those existing owners to buy the first luxury flat.  What do you think?  It is fair, isn't it?  This world cannot have anythings absoultely fair for everyone, even law only protects the majority of us.

We from the 1960s do support the idea of good government management, freedom of speech and low flat prices.  It is not the matter of age, but attitude.  You attitude is also failed because you are only 60's and I know that some friends for 60's can have more opportunities than those after 70's, 80's and 90's.

You seems to me that either you are working for the government or enjoying many government benefits or those with lucky that the government can help you.

Don't pretend.... HK government has poor management, many residents in HK agree this.

Just like many PIGS infu money was losted around 2billion ! You say that HK govt. is good ?

Otherwise, you are crazy, naive or stupid !