少壯要努力，老大不傷悲。萬般皆下品，唯有買樓高！

同意筆者所言，本人年近花甲，行將退休，目前座擁六個物業，五間收租，兩層不用供，還有一筆不菲的退休金，除了生活有保障外，還可以環遊世界，真是有樓萬事足。

I love this article but Please stop it. I am a stock broker and I truly understand Real Estate Sale agent is very hard survior. If you post statement said buy a flat and you can almost retire, that's wrong. In H.K. we have over half people live in a poor and small environment. This kind article will make them feel they just a second class people and even they work very hard.

香港有百萬個業主,佢地嘅身家財產大部份都在樓,故此樓價上升對大家有利,對香港經濟有利,社會和諧大小業主都開心,有何不好?

筆者講出小業主心聲!

我地呢班未買樓嘅人唔知點算,宜家樓價咁升法,真係上車有困難,就算儲夠錢做首期,都唔知宜家應否買樓?

大樓就風騷啦,有高人指點兩年前入市買樓,以前想樓價跌,現在變為想樓價升.但係我地未買樓者梗係希望政府穩定樓價,俾我地有機會買到平樓.

居屋我就唔買了,將來賣出後賺錢,要補回地價俾政府,利潤得個吉,冇什麼好處!

阿蔡生,

雖然我都覺得有樓係緊要, 但都未到 "萬般皆下品，唯有買樓高" 咁嚴重呀...

以前係"萬般皆下品賣,唯有讀書高",宜家俾蔡先生講成"唯有買樓高",不過係香港地碓實係嘅.

今次賣地又創新高,樓價要下調都幾難,宜家未買樓者點辦?係鼓起勇氣去買,定係等待吓?有冇人俾我明燈指引?

有能力置業的, 如作自住之用, 應該買二手樓, 間隔實用, 不買二手居屋，不要買新樓,  不要買大型屋苑.  大型屋苑深受炒家歡迎. 

計好數做70%按揭. 

現在此刻是炒家樂園，初次置業的小市民不宜入市，因為好時機已過。

當然樓價在 2~3 年內還會上漲到不能相信的地步，相對的風險不斷增加，

如果真的非常想置業，可選擇偏遠低水地區。

鬼唔知阿媽係女人

廿年前供層樓佔港人入息中位數幾多，依家供層樓又佔幾多

計數啦，你老板！

Good Good Good.

I sold my taxi before and use all the money to buy 4 different apartments in N.T. (Mortgage with Banks)

Now all my apartments have increased in values almost 20% and I planned to sell 2 of them. Another 2 I have rented out for long term investment purpose.

Good Good Good.

I think the environment now in HK is really rare to see again in your entire rest of life.

1) Low interest 2) hot money from RPC 3) high "jobless" ratio in USA.................

如果係現今低息年代,樓價還有2-3年升,而且會升到唔信,即係宜家都要買樓了.

但係我都係驚摸頂入市,將來變樓蟹點算,遲幾年先買好過,不要成世做樓奴!

Mi,你真係本事,擁有6個物業,其中2個已供滿,雖然你年近花甲,仍是魅力非凡.

我"心涼"已畢業3年,雖說人工唔錯,但都買唔到樓,好慚愧,想請教如何可買6間樓?

呢 2、3 年內根本就無可預期的因素令樓價大跌，

但升既理由就大把。

所以現在買樓都得，但你要成為炒家一份子，要識得看形勢在甚麼時候放售，

也要有心理準備承擔風險。

宜家樓市升勢凌厲,我四周圍去搵樓,但係都追唔到樓價升,首次置業咁困難,將來點擁有幾間樓啊.

買唔到樓睡不著,半夜乍醒感到有啲驚慌,遲了2個月,樓價竟然貴了一成幾,真係唔抵,雖然宜家都有能力,但都係等多2-3年再考慮算了!

 Good Article and a true picture of HK.

But why the housing property still go up even it has been raised to such high level ?

1. Those who insist not selling their flats in 97, now regained their buying power;

2. Many people already paid up the debts/mortgages during the past 14 years, though the income of HK people did not rise up too much compared with 97, many mainland people have increased income by several times or even hundred times over this 14 years. And they are the new buying power of HK property ;

3. Low interest rate in U.S will still go on.  Why ? pls look at their unempolyment rate, you will know it takes years for U.S economy to recover, How come ? China steal their jobs !! China won't allow their currency rise up too much. Thus, HK interest rates will still remain very low to zero in next several years.

Also, low inflation in U.S => no need to raise up interest rates ! They can print more money they wanted, because China will buy their debts.

4. Government is the root cause... They on one hand say trying to lower the housing price, but on other hand, in land selling, they won't sell the land if the value is too low. They prefer to take it back. Why ? HK government is the greatest benefit owner for HIGH LAND VALUE.

They won't be stupid enough to allow the price falling too much, hurting their own interest. They sometimes need to make some show so as to relieve HK people complaints for high property price.

5. Many riches in China prefer to buy property in HK, because they are safe, not easy to be interfered by local China authority ;

6. There is a clear trend the future population structure of HK will be changed, and more china people will reside in HK, increasing the demand of housing ;

7. The RMB rates had go up at least 23% when compared with 97, this implies Mainland people get 85% discount when buying properties in HK !!! while in China, the housing price is rising up like a rocket ;

8. When you look at the supply of land in HK, in nature, 70% of HK land are hills and maintains, near NT north, and Kowloon East, Middle in HK Island. Though the area of HK is not really small, but the amount of usable land is actually low , the HK government policy plus the nature of HK land creates this low supply of land ;  

9. In near future, no new town or big area development plan, the most likely is the old airport site(still remains a flat land) ;  

10. Too many big Property Developers who can pay billion of dollars to buy a small land and has great confidence in property market plus the effect of government policy.

Objectively, there are too many  points to support the HK property price. Unless there is a great policy change or sudden change in global economic envirnonment, HK property value is really difficult to fall.

事實上香港有好多專業人士買樓,佢地擁有知識和學識,人工收入高好多,買樓輕鬆夠首期,同埋銀行上會容易,所以佢地都持有幾層樓.

邊個話努力讀書擁有學識冇用?有高收入買樓自然好容易,我覺得做專業人士好過做炒家好多,炒家收入唔穩定,買樓銀行上會難!

同意大樓所講~有學識+收入穩定的確較易置業!!

Mi: 多謝你嘅指導,成功嘅因素就係要"運氣加堅持",係金融海嘯時,你都驚慌過,但係臨危不亂,堅守本份得到成功,宜家碓係晚景焦憂,我心涼要多啲跟你學習.

但係宜家樓價升咗好多,就算嘉湖山莊都要@2600至@3000左右,不過距離97價仲有水位,你話是否仍要堅持買入呢?

作者見解都幾有道德,雖然係香港地仇富者眾多,如果發表看好同唱好樓市言論,常會俾人攻擊,但係仍然無懼無怕,敢作敢為!

作者一直悍衛我地業主權益,講出中產階層心聲,鼓勵年輕人勤奮上進,儲錢置業,而且文筆暢順,見解獨特,係值得大家學習!

To Mi: 香港地懂得分散投資物業而取得成果,碓係值得我地後輩借鏡,呢啲正路嘅投資置業故事,請要講出來多啲同我地分享,宜家我新界居民都覺得樓市有希望.

請大家不要成日好似路過者咁樣,呢啲無文化嘅網民只係識得是用xxx去攻擊他人,做出一啲低劣行為.!相反俾心機努力儲錢罝業至係啱!!

從宜家市況來睇,新界樓都有可能翻身,我們呢班97年買樓嘅新界居民,一定要堅守到底,樓價只差三成幾便可返家鄉.

人間仍然有希望,守咗13年,雖然供樓已將身家窄乾,但係只要再堅持多2-3年,就一定可追回97價,就算我地人老珠黃都要見到呢一刻嘅來臨!!

To Mi,

你嘅買樓投資經歷給了我很大啓發。我也有一層樓在珠海，2002年買入，現已升值了4倍，我想在未來一兩年內把它出售，請問售後的資金如何滙返香港呢？

這是一個非常悲哀的年代,當新界樓價仍然還是97年的7成時,政府部門和各界人士已開始要制定政策出招打壓樓價了.

那些97年高價買樓的苦主們,苦等了十三年,社會是否也該給他們一個翻身的機會?大陸樓價相比97年已升了三幾倍,為什麼香港新界樓價還這麼低殘?

當局應該扶助中小型樓市,不要讓其樓價與豪宅價相差過大,相反新樓與豪宅價格超高,已達到世界最高水平,這才需要壓制,為何當局總是本未倒置?

to Papa：

上環很多找換店可以幫人電匯，要收手續費，但是我還是信不過。
我以螞蟻搬家的手法，每次到深圳拿十萬元人民幣過關(記著不要走皇崗或落馬洲，那邊有X光機，走羅湖過最安全。)回港後到中環禧利街一帶的找換店(出入價相差不大)兌換成港幣即可。順帶一提，深圳賣樓後的手續太繁太浪費時間了。

我地新界居民長期受到政府欺壓,連樓價都無力回到10幾年前,政府還要打壓中小型樓,使我們這些97年買樓的業主沒有翻身機會!

真羨慕Mi懂得低位投資買樓,不知何時新界才有唐朝盛世,不可長期讓市區新樓豪宅獨大,這樣會更加分化香港社會,我們實在俞來俞憤怒!!

To Mi,

謝謝你的回覆。我也知道偷偷把錢帶回港是方法之一，但很驚被內地海關發現及沒收。我略有聽聞只要有單據証明港人在內地買賣物業，則款項可名正言順滙返香港銀行。

但卻有很多疑問：

1.單據上購入物業的價值與賣出的價值有很大差別，是否可全數滙返香港？

2. 向哪個部門出示單據？手續又如何？

其實在內地買樓和賣樓是出奇地容易，之前我有另一個物業竟可以在一星期內售出，買家仲以現金六十八萬即時交易，爽快得嚇人！之後我便隨即買了現時這物業。我見到物業升值不少，人民幣也升值了不少，有見及你賣了內地樓房換馬返港買樓這一着，故也起了部署賣珠海樓的念頭。當然我會等待港珠澳大橋的利好消息刺激下才出貨。

唯出貨後如何把資金滙返香港一事則令本人感到有點難度，有朋友提議可用地下錢莊，但我覺得風險也很高。

希望有經驗的過來人給我一點意見吧！謝謝！

To Mi,

謝謝你的回覆。我也知道偷偷把錢帶回港是方法之一，但很驚被內地海關發現及沒收。我略有聽聞只要有單據証明港人在內地買賣物業，則款項可名正言順滙返香港銀行。

但卻有很多疑問：

1.單據上購入物業的價值與賣出的價值有很大差別，是否可全數滙返香港？

2. 向哪個部門出示單據？手續又如何？

其實在內地買樓和賣樓是出奇地容易，之前我有另一個物業竟可以在一星期內售出，買家仲以現金六十八萬即時交易，爽快得嚇人！之後我便隨即買了現時這物業。我見到物業升值不少，人民幣也升值了不少，有見及你賣了內地樓房換馬返港買樓這一着，故也起了部署賣珠海樓的念頭。當然我會等待港珠澳大橋的利好消息刺激下才出貨。

唯出貨後如何把資金滙返香港一事則令本人感到有點難度，有朋友提議可用地下錢莊，但我覺得風險也很高。

希望有經驗的過來人給我一點意見吧！謝謝！

一舖輸三代‧兩樓蝕過世

薛家燕為《超級遊戲獎門人大爆發》錄影，重提十多年前，以百多萬購入兩個縮水舖位一事，家燕姐表示早前有人向該縮水商場的一班業主提出收購，故她決定每個舖位以十三萬八千元放售，亦已於最近兩個月簽約成交。

香港哋要懂得投資物業,舖位銀碼大價值高,如可擁有當然富貴.但係如要求唔高,可以有兩層樓都夠食過世啦.

薛家燕嘅錯誤投資只係個別例子,請唔好誤導讀者!