Totally agree. Someone said HK property price is crazy. Yes, it is for HK people only. For the rich in Mainland, like Chairmen of Tencent buy billions of house in HK, many new bosses in Mainland earn a lot of money in stock market buy many apartments. They take boxes of RMB, never borrow money from the bank.

Compared with China property which raise up several times in Shenzhen, Shanghai & Beijing, the level of property increase in HK is relatively little. How many China people earn from their property in China, and buy cheap apartments in HK ? Believed not many HK people understand this point. That's why they are saying it is bubbles. Acutally it is a JOKE.

可是大陸人買樓時，知否他們內地的一個房間已抵香港中小型住宅的兩個廳？

香港「市區」新樓尺價已過萬，相當於人仔未升值前的7000蚊。然而這此剛剛過萬一尺的住宅，對住慣內地大房間的同胞來說，仍是很細小。

對於六位數字尺價的天價豪宅，內地已可以買超過一座別墅。

要反省的是誰？

香港居民陸續向九龍及新界偏遠地區遷移。樓市正處於互相交替之際，港人是否應該努力振作起來、自我深刻反省？不然這場不經意的香港人口大移動，下一站，會不會從新界移到深圳？

現在是我們港人不振作/不反醒嗎? 我們的聯繫匯率制度受海嘯的挑戰, 美國政府不斷印錢, 港元不斷貶值, 人民幣升值, 現在非我們可控制, 不如話下中國/香港政府唔做野好過啦!!!!!

我哋覺得宜家樓價超貴,到97價已是顛價,仲俾大陸客來香港買貴哂啲樓,簡直係破壞我哋樓市秩序,仲有投資移民計劃等等,咁樣炒高香港樓價,我哋未上車者真悲哀?

政府唔理我哋年青人上車之苦,只顧有錢人及有樓人嘅利益,官商勾結地產商暴利,宜家仲要迫我哋向北移,唔通要搬去大陸啊,呢個簡直係無能和無良嘅政府!

不是風涼也不是心涼,本人早就知會有呢一日,好彩有高人一早指點,下了決心買咗樓,係兩層樓真開心,樓價升咗財富多咗.如果唔係今日同好多未上車買樓者一樣,都會好憤怒,無他嘅,不進則退,大家都害怕俞搬俞近深圳啦!

講真,香港有百萬業主,樓價升大家財富多咗,有樓者自然皆大歡喜,高樓價變成促成經濟繁榮,消費力高,港人信心俞強及社會地位更高,好處其實多過壞處!

     30 yrs ago , we bring up television, VCR,Cassette, Hi Fi and even cowboy jean to Mainland China, today, they come to H.K. to buy our property. An idiom said " 30 yrs rive east, 30 yrs rive west."

      I am a typical H.K. resident but I just keep my mouth shoot. When our dragon flying in the sky, we still said export and real estate is H.K. main economic character. We fall behind 30 yrs.

agreed with small potato .... strongly disagree againist 未上車... what is '大陸人' and what is '港人'?

such 'narrow' thinking just prohibits us from improving our competitiveness.... honestly speaking, we are losing our competitiveness now and this is no doubt that why we , so called '港人' , just keep on complaining our government (although i still agree that our government can do a little bit more..) instead of thinking how to help ourselves...

唔該啲年輕人睜大隻眼睇吓個世界發生緊乜嘢事啦

大家都係中國人,點解要分大陸人同香港人?

如果唔係阿爺射住,而家香港經濟都唔知點呀,香港政府又唔做嘢,淨係識得去北京攞著數.今時今日啲年輕人仲有咁狹窄嘅思想,唔怪得我哋香港人俾人睇唔起啦

中港迟早都會融合,唔融合香港只有死路一條.

Some people  even up to today never realize that HK can never survive isolated and integration into China will be inevitable, as we are the same Chinese in the first place, even technological advanced Japan unable to survive isolated let alone much smaller HK. If everyone in HK remain frog in the well then we may one day see HK's tourist destination replaced by Hainan, Sanya and uni graduates exodus to China for job opportunities as there will be little to offer for them other than chiefly service industry for now.

my china experience tells me that 港人  is not really a good label anymore, in many mainlanders's eye. don't think hk is still on the heading list...in fact mainlander's living standard, in many big cities, is much better than hk. hk is obviously falling behind for the past 13 years, and honestly, i think this is the trend, cannot be twisted, especially knowing the way and attitude of life of our younger generation.....

我見到好多香港人而家喺大陸仲當自己係人上人,睇唔起"大陸人",其實我地優勝嘅地方只係我地香港人以前見嘅嘢比較國際化,而且有唔靠政府嘅拼搏精神.

而家人地學晒我地啲嘢啦,根本就唔需要靠我地,而我地亦唔可以再憑呢樣嘢黎"吔文吔武"啦,而唔靠人地嘅拼搏精神,已經由香港政府帶頭(成日去問阿爺攞著數)傳染左俾好多香港市民啦,咁樣落去,真係好担心香港嘅前途.

政府其實應該推行教育,等啲年青人多啲認識祖國歷史,進行多啲愛國教育,最重要係認識而家祖國嘅發展,唔係班年青人仲矇閉閉以為大陸仲係改革開放前嘅大陸

其實唔止內地人黎香港買物業嗰喎.其實外國資金買物業嘅都有好多,不過無報導同埋你哋唔係做地產唔知啫.

要怪不如怪美國佬係咁印美金,所以先導致樓價升得咁快.無辦法,因為香港物業交易方便,而且稅率低,資金出入又唔受限制,所以咁多熱錢黎買香港物業.就算唔搞投資移民,一樣咁多人黎買

喺而家嘅環境, 因為低息,所以如果樓低被人為推低,業主都唔係儍嘅,計過回報率,如果價錢唔吸引,不如收租好過啦,又點會平放出黎丫.到時候週街都無盤,咪又係要追價先買得到,咁樓價咪又升返.

成日鬧政府不如慳返啖氣暖吓肚,所以都係做好准備,等佢樓價跌返睇位入市好過,發白日夢等政府推低樓價真係未瞓醒

回應 #18 香港人在北京

很多人認為利息低企令到樓價飛升。

天下間低息的地方豈只香港？日本也零息廿年了，日本人儲蓄率亦很高，但樓價返家鄉未？

低息從來只是一個市場炒作藉口。實際情況是炒供求、炒心理、炒實力。

九七後土地供應出現斷層，供求失衡。市區重建制度令到樓價不斷向上。M形社會令新樓豪宅化。

無法買新樓的被迫追二手樓。某高官說得好，當泡沫形成時，市場有自身的動力推上去。這是炒心理。

而炒實力，就是內地同胞無懼內地空置情況，持貨不放。他們用同樣態度進攻港樓。

可是處於牛市時，大家都會忘卻歷史教訓。

外資推升某地樓市，又豈只香港？

九十年代的加大拿大、澳洲因香港移民潮，當地樓價也瘋狂。期後有目共睹。

我想告訴大家的是，既然物業是投資工具，它也是會受地心吸力影響的。

大樓 will go back to China to live because he will lose all his asset within 1 to 2 years.

Hold too many properties in HK may not be winner.  Don't forget the mistakes made by many people in 1997.

樓價會升亦一定會跌,不過大家都唔知係幾時. 而家架車行得咁快,最後一定車毁人亡,不過大家都唔知係幾時,所以一定要挑個好時機跳車,跳得好就係winner,跳唔切就㩜住架車一齊死,有實力可以捱嘅,就要花個十年八載等下一次升浪.

跳唔切車唔單止輸錢,仲輸埋時間同青春,到時好多嘢想做,但係因為被層樓綁死左,所以將會浪費好多黃金機會,而鬆綁後可能年紀都大啦,未必再有呢啲黃金機會出現,所以一定要小心上車

國內同胞黎香港住其實唔係真係好多,
你要知道, 係深圳買層100萬人仔既樓, 只係租到1.5K
係香港200萬樓可以租到7.5K
無錯, 佢地係好有錢, 如果有得俾你簡, 你會唔會黎香港買樓, 我就會啦

政府終於听到我哋嘅聲音,出重招壓制樓市,睇怕呢次樓價會跌了,都話世事冇絕對,升時唔好得意忘形啦,我哋未上車者一定要堅持唔買樓,相信再等一年樓價會跌三成!

心涼, 睇你講既野, 就知道你既性格! 我夠僵講, 就算明年樓價真係回三成, 未上車既你, 仍然上唔到!!

業主們, 我地係時候上街遊行啦...點解上唔到車既人可以遊行逼政府打擊樓市, 業主就唔可以遊行要政府保樓市呢!!

新界細價樓業主真係無辜, 升時又唔係升得多, 打時又俾人一齊打!!

其實無論做緊咩野/係邊度都好, 最緊要明白我地生活個世界既游戲規則, 要醒目d去玩尼個游戲, 唔想玩既就唔好嘈咁多, 政府又唔係無公屋/居屋, 唔一定要買私樓架!! 自己唔識個游戲規則, 只係識得係度嘈, 又有咩用呢!!

到心涼你上左車啦, 我估你又會係度嘈, 嘈點解買唔到更好既樓, 嘈點解政府要打擊樓市.........唉.........現今人既文化!!

大家要心平氣和分析吓至得嘅,樓價升到宜家確係高得離譜,我就唔信嘉湖山莊,浪翠園等等呢類樓仲有翻身機會,呢啲樓肯定係永不超生.

我仲想講,我哋有一班年輕人一定唔會買樓,就算樓價跌3成,我哋都未必會買,我哋就係唔想做樓奴,況且跌完可以再跌,前輩經驗之談,從97至03年樓價跌咗6成幾,即係歷史可以重演,各位應該小心謹慎,忠言一定逆耳,請唔好得意忘形!

HK government today released more rules and regulations for mortgage and especially for the one hand house !

HK flat prices will start to drop within 3 months to 6 months.

大樓 will go back to China to live because he will lose all his asset within 1 to 2 years.

樓價會平走, 甚至跌5-10%
又如何 ?
而家冇得做9成半按揭, + 供款比例限制為~薪金3-4成
(因為要做2%, 即200基點既壓力測試)
姐係變相你上車係再難左,
冇錯樓價會跌, 但係相對上門檻提升,
你買唔買到牙心涼哥(係咪姐係小吉呢..哈哈)

政府此舉我係十分支持, 要維持一個健康既樓市
係需要有呢d措施, 今次做得唔錯
過1-2個月後, 我相信樓盤會繼續升,
經過調整之後, 將會同9招12式既時候一樣
有1-2個月適應期
之後, 儲落黎既購買力, 又會爆番出黎,
如果係買, 就快d買了

樓價會平走, 甚至跌5-10%
又如何 ?
而家冇得做9成半按揭, + 供款比例限制為~薪金3-4成
(因為要做2%, 即200基點既壓力測試)
姐係變相你上車係再難左,
冇錯樓價會跌, 但係相對上門檻提升,
你買唔買到牙心涼哥(係咪姐係小吉呢..哈哈)

政府此舉我係十分支持, 要維持一個健康既樓市
係需要有呢d措施, 今次做得唔錯
過1-2個月後, 我相信樓盤會繼續升,
經過調整之後, 將會同9招12式既時候一樣
有1-2個月適應期
之後, 儲落黎既購買力, 又會爆番出黎,
如果係買, 就快d買了

Poor English!  It should be "first hand flats" but not "one hand house". 

As your English is so poor, I am afraid your predictions about the property price will also be inaccurate.

I am a senior banker and lived in Shanghai few years ago, and know a lot of wealthy Chinese, their income triple in the last few years due to share and property price. While they realise the current housing price is way above normal people can buy in China and due to China regulation they buying properties in us, austrailia and some in hk. Having said that they have no idea above the risks, as they never fail in the last 5 years in China. the hot money will come in and out very fast, the in coming fund will NOT sustain IF the future market is not clear, why invest in HK if they cannot see the market will go up very fast.

For HK, as a normal hk people not investor, beware the 7 years or 10 years cycle, CHINA government will release new measure later this year to cool down property price, hk will follow also. As too many poor people in China, what CHINA afraid is that the 95% prc chinese who are poor will be unhappy if the housing price gone up, there is no use for 5% prc rich chinese to get richer.    This the first wave, if the interest rate trend going up, people will think the long term upward trend will end, the investor will leave the property market , the the housing price will go down gradually in 6 months.  So BEWARE of buying property at the peak level, for people who own the property , dont be too greedy, take profit asap.

说得对。很好的分析.

香港俞來俞像北京,大陸屬於社會主義社會,推行計劃經濟,經常突然推出新政策,以打壓急升樓市,此是無可厚非,因為要穩定政治局勢,國家咁大,人口眾多知識較低,自然難以管治,所以要強政勵治係好正常的.

但係香港是自由經濟市埸,宜家政府連續咁多政策干預樓市,企圖令樓價下調以平息所謂民怨.但大家可有想過,如果有一天,加息來臨,資金撤退及經濟不振,樓市一潭死水樓價大幅暴跌,負資產和銀主盤再次大量湧現,到時就係香港百萬業主大難臨頭之時!

"Poor English!  It should be "first hand flats" but not "one hand house". ]

"As your English is so poor, I am afraid your predictions about the property price will also be inaccurate"   THE ABOVE COMMENTS DID NOT MAKE SENSE AND MAKE POLLUTIONS HERE!

If you are ENGLISH teacher, you can say your English is better than the average.  Otherwise, just say bullshit ?  What is your education level? You know my education level. I have confidence that I have good education than you!  Also, only if you is good in English, you can predict the property market ?

What is your logic ? You are just stupid and say somethings have no meanings at all ?Did you have pass in Mathematics ? Of you just pass in English if you THINK that you are good in English!

I know Statistics more than 16 years and you also know Statistics or not ?  

If you still THINK that your English is good, go to do the Editor in newspaper only. No more bullshit here to discuss !

"Poor English!  It should be "first hand flats" but not "one hand house". ]

"As your English is so poor, I am afraid your predictions about the property price will also be inaccurate"   THE ABOVE COMMENTS DID NOT MAKE SENSE AND MAKE POLLUTIONS HERE!

If you are ENGLISH teacher, you can say your English is better than the average.  Otherwise, just say bullshit ?  What is your education level? You know my education level. I have confidence that I have good education than you!  Also, only if you is good in English, you can predict the property market ?

What is your logic ? You are just stupid and say somethings have no meanings at all ?Did you have pass in Mathematics ? Of you just pass in English if you THINK that you are good in English!

I know Statistics more than 16 years and you also know Statistics or not ?  

If you still THINK that your English is good, go to do the Editor in newspaper only. No more bullshit here to discuss !

The correct grammer should be this "

As your English is so poor, I am afraid THAT your predictions ....

Your English is also so poor, so just BULLSHIT here !

Will the so called good English guys is actually "大樓"

If so, you can go to UK to teach English  or go back to China because your so called good English can teach Chinese people ?

政府宜家開始做番啲合理嘅嘢,我小吉終於等到呢一天,我哋一班朋友都唔會買樓,一定要等到樓價跌最少三成至買.

香港宜家進步咁多,樣樣都唔錯,就係樓價貴呢樣唔好,應該俾年輕人畢業後,出來做嘢一年內便買得起樓,呢個樓價至係合理嘅價,

因此如果人工唔可以加,咁樓價應跌回04-05年時嘅價格才是合理價,加息周期就快來臨,樓價跌3-5成指日可待,有樓者快啲賣,不然變為負資產冇人可憐你,我哋年青人上車置業嘅良機就快到了!

I never said I am "So called good English guys".  I just said that your English is really poor.

Anyway, if you don't have good skills and analysis, do not tell people that property price will rise or collapse.  You are not expert and even expert cannot tell, right?  Glad that you said I am giving BULLSHIT here, as you finally understand that giving comments sometimes are meaningless unless you have the supporting.

No need to be rude, come on.  It is a peaceful forum here.

小吉

你唔好咁天真啦, 3-5成, 果時你敢唔敢買 ?
跌3-5成果時你又想佢跌7-8成, 最好到最後就唔洗錢送俾你好唔好 ?
想做1年野就買到樓?
係咪果1年人工又可以俾你大洗, 1個月儲300蚊咁樣, 1年有3600蚊可以買樓 ?
咁樣叫做合理?
當樓價大跌3-5成, 好多公司會面對財政困難, 銀行會收緊借貸, 公司要節流
就會出現炒人, 減人工, 銀行會出現減低按揭成數, 加高利息比率
樓價係跌都好, 你份人工負擔得起?你儲夠首期?可以承擔到風險?
唔好意思, 我唔信^_^
所以, 樓價跌會益年青人 ? I DUN THINK SO

都話啲人係自私嘅,雖說買咗樓就唔想樓價跌係好平常,但都唔能夠在宜家咁高水平仲死撐,連政府都已出招壓抑樓市,大家仲講咁多廢話,實在太不近人情了,香港人自己分化,就係貧富懸殊嘅最大原因.

請唔好激嬲我哋呢班未買樓嘅年青人,如果唔係會有好多人上街游行示威!

Your altitude have a BIG problem. Always think that your English is good and others are poor !

If you do NOT know Mathematics, Statistics or even the property market, how can you say others do the bad analysis ! I have many supportings and it is not easily to tell the general level of laymen.

Do you know extrapolation ? Do you know Data Mining ? Do you know Econometric model ? Do you know Economics ? Do you know Statistical modelling ?  and many others techniques.

You are also quite impolite to say others education level unless you actually know them what the education level they attended ! RIGHT !

小吉 :

仍然顯示出你很天真。

1) 我未買樓, 樓價跌唔跌對我黎講根本唔重要, 最重要係香港經濟要健康

2) 而家好高水平 ? 你知唔知咩叫通脹, 好多消費品, 日用品都加價, 點解樓價唔可以加, 以前d人搵緊幾百蚊, 1千蚊個月既時候, 係太子買層樓一樣要幾十萬, 而家d人搵緊萬幾蚊, 幾萬蚊既時候, 太子區通常係6-8百萬, 真係貴左?以前你老豆牙媽果d年代, 買層樓, 咪一樣咁難

3) 政府今次既組合拳, 好明顯既目的不在打壓樓市, 而係在於穩定樓市, 令市場更健康。

4) 香港分化既發生就係因為你呢類人, 憎人富貴厭人貧

5) 我都係未買樓既年輕人, 我唔會因為呢d咁小既事, 浪費我一日既時間去遊行, 亦都唔會為左呢d事而憤怒, 因為我唔係憤青=]

6) 會令到我憤怒既, 反而係你, 香港呢d垃圾教育制度, 教出你呢d咁既大學生, 短視, 固執, 迂腐, 唔會接受人地既意見, 淨係識係度死雞撐飯蓋, 如果你有道理既你就用理據, 唔好係度無病呻吟, 意欲分化香港社會。

Fine.  It is fair enough that you blamed me as impolite, which I am really sorry for my odd usages.  However, I still don't think anyone can tell "property price will drop in 2012, or will drop in 3 to 6 months", which is quite mis-leading if you do not have a solid and thorough analysis, right?  I am not going against you particularly, but to all who said "property price will drop" or "property price will rise".

Enlighten me if you have political / economic / statistical / psychological illustration to support your idea, because I couldn't find any explaination from your 1st comment.  Here is what I read from you "HK government today released more rules and regulations for mortgage and especially for the one hand house !  HK flat prices will start to drop within 3 months to 6 months. 大樓 will go back to China to live because he will lose all his asset within 1 to 2 years."

Again, sorry for my impolite use of language here.  By the way, I am not 大樓, just in case you question about my identity.

To:88年出生的我: 好明顆,你係度扮細個及扮未買樓,你嘅語調充滿挑釁,我肯定你手上唔止有一層樓.

你根本就唔明白未上車年青人嘅心聲,你所講嘅理據係謊謬的,宜家社會咁進步,點可能學以前嘅人等咁耐至上車買樓,唔通屋企要睇番黑白電視?

面對樓價上升嘅壓力,仲要對住啲唔講理嘅人,唔怪得宜家年青人忍耐唔到!

小吉哥

1) 我洗唔洗扮細咁無聊呢 ? 唔係個個年輕人都好似你d所謂大學生咁樣思想幼稚低b

2) 你肯定 ? 唔好意思, 係錯既, 我手頭上一層樓都冇, 自己住緊天平村, 知唔知係乜, 係上水公屋

3) 我講野係咪挑釁呢 ? 我覺得係, 我係擺明挑釁你, 因為你講野冇point, 唔經大腦, 自私, 斷章取義, 冇品, 武斷, 自我中心, 仲要自以為是, 0k?

4) 我好明白未上車既心情, 因為我係年青人( 身為一個大學生, 連基本討論技術都唔識, 錯誤既假設會令自己既論點全錯, 番你既大學讀多幾年屎片先啦=] )

5) 你覺得我講既野係荒謬的話, 請提出論點及理據逐一反駁, 如無, 請不要冒充成為年青人既代表

6) 社會係要進步冇錯, 但有句說話叫做以史為鑑, 歷史係不斷循環, 錢仍然係要一步一步儲番黎, 而唔係只係怨政府唔俾你, 你呢d就係垃圾既想法, 有咩唔得就問老豆牙媽拎, 咁有乜用?靠自己先係最折衷既方法。當然, 現今社會有更多搵錢方法, 例如股票, 你可以利用呢d方法, 而唔係一味係度嘈, 嘈得黎又冇point, 用番我地既語言就係話你曬膠氣

7) 樓價上升, 表面上好似供樓難, 但係諗深一層就知道, 而家比以前供樓已經易好多, 現時, 用HIBOR同業拆息都只係1%息, 以前供樓要1x%架你知唔知, 睇你都唔知架啦, 你都唔會接受人地意見。仲有, 而家我地既牙爸牙媽好多都有舊錢係度可以借錢俾你做首期, 咁佢地呢 ?果時打完仗冇耐, 佢地d牙爸牙媽有q錢? 好多都係自己死慳死抵搵番黎架咋, 而家環境咁好, 你仲係度怨? 識唔識知足牙 ?

8) 我唔覺得年青人要忍呢樣野, 因為我地係應該要知足, 要努力, 唔可以俾人話我地淨係識靠牙爸牙媽, 我好多朋友都唔會因為呢d野而盲目憤怒, 但係你就好難講啦, 因為你只係一個單純天真, 唔肯接受人地意見既憤青。

9) 我身份證係Z字頭, 我牙妹都係得中3姐。你覺得我似買左樓既人可能係因為我已經係心態上面準備好接受社會挑戰, 而你? 只係一個受保護既小學雞咋=]

To:88年出生的我&小吉: 你哋大家唔好爭拗不休,香港係民主自由嘅地方,大家嘅睇法唔同係好正常嘅,雙方都有發表意見嘅權利!

坦白講,未上車者希望樓價跌係合理嘅,宜家樓價升了咁多,已引起政府及社會關注,現已出招打壓,我哋未買樓者當然開心,如果樓價跌三成我認為係恰當嘅.

難得的是,"88年出生的我"仍未買樓,未知是否有工作?仍然深明大義,認為年輕人要腳踏實地,努力奮鬥,儲蓄首期買樓,思想好正確,亦是宜家政府管治下的良好青年,如果個個係咁社會就和諧啦!

小弟有工作, 努力儲緊錢買樓

其實而家係低息, 就算樓價跌, 都唔係咁易上到車, 一係佢減按揭成數, 一係加息,
如果真係大跌市30%, 我都相信好多人份工都會受到影響, 到時錢都借唔到,
我情願佢維持現狀, 唔好升唔好跌唔好郁, 等我慢慢儲去買樓仲好

88年出生的我.  Well done!

Finally I can see someone from the next generation who gonna work hard and not everyday complaint.  Good job.  God will help those who help themselves.

各位朋友,大樓係度,剛剛從外地旅遊充電回港,一返到機場,就感受到-香港係全世界最好嘅地方!

最近政府出招壓樓市,有樓者自然擔心樓價會否大跌,大樓立刻再請教高人指點,高人話,不用太恐慌,短期內可能會靜一下,樓價輕微回一些,但係長遠唔怕,因為大陸經濟情況並不差.

佢仲話,宜家嘅買樓豪客都係以國內同胞為主,香港嘅樓價升跌主要係似乎他們的購買力而定,他們強大嘅購買力,可令我哋香港小業主得益,同時推動咗香港嘅經濟繁榮.

香港有百萬業主,多數家庭都係有私人物業,就算冇樓都有居屋或公屋,冇物業者只係小部份,所以樓價升係大多數人嘅意願.作為聰明嘅香港人,必須運用樓宇帶來嘅商機!

出到黎做野, 每間公司既老闆第一樣野就係教人要聽教聽話

人地係專業的, 無錯我地都會有自己意見, 但係人地做得咁樣一定有原因

我地應該吸收意見, 學習人地既方法, 熟集左了解左先再表達自己既一套

好多買左樓既業主, 都有仔仔女女, 冇人想下一代死的

自己可以試下跟人地既步伐思考一次,

當你諗完就會覺得, 其他人已經幫你安排左一條比以前舒服的路線了

所以我覺得, 身為一個年青人, 要多d了解, 小d批評, 多d接受, 小d反抗

對自己對社會都係一個好事

可惜, 小吉哥你連什麼叫公平, 公正, 公義都唔識, 學咩人爭取, 怎麼抗爭 ?

你仍然都冇正面回應我既問題, s0 sad.

逃避, 係小學雞既特質=]

同啲小云小吉講咁多都真係法國大餐-多舊魚,有時間不如諗吓點樣揾多啲錢好過啦.喺度同佢講咁多真係浪費時間

88年出生的我-你同呢啲人爭拗即係浪費緊你嘅人生,等於慢性自殺,咪同佢嘈啦,睇到都心煩

如果好多年青人好似佢咁諗

香港就死得架啦/_\

"香港就死得架啦" this is a sad statement.

what kind of elements could make hk become unique?  It is "vision".

however, hard to find hk people has "vision" nowadays.  we do not understand foreigners' mindset, we cannot catch up the sense from china elites ... so where can we allocate ourselves to become unique? what is our core competence?  we are losing our identities, cannot break thru the "m" shape society.

80s, 90s have their own style, same as japan, hk is following the same footpath of japan ... “m” shape society; however, we have the backup from china.  we should treasure what we have and develop our core competence, become unique, become irreplaceable ... if not 香港就死得架啦 ... become a true statement.

真係冇理由,地產商長實今天高價投得地皮,擺明托市,賣地成績咁好,即係當政府招數冇到,太離譜了.

政府係十月施政報告肯定再出招打壓樓市,小吉真唔明香港樓價點解要咁貴,咁多大陸來港買樓,搞到啲樓貴哂,真係要禁制佢地至得.

近期有行政會議員提出,要禁止境外人士來香港買樓,小吉舉手讚成,希望快啲作實,睇你樓價仲唔跌三成,到時就係我哋未上車者機會來臨!

社會主義嘅中國都沒有禁制香港人到深圳買樓,難道資本主義嘅香港要限制外地人來港買樓,咁做有違自由經濟原則,實會貽笑大方,令人笑話,仲會嚴重影響香港經濟,萬萬不可.

樓價回一些係可以接受,但唔能夠俾樓市倒下,咁樣會拖累香港經濟,使失業率大幅上升,大家搵唔到食,届時樓價點平都係冇錢買啦!

晒氣啦...同小吉講咁多, 塞$$$落佢袋都唔要!!

心中充滿左怨恨, 眼紅有樓人士, 2009年咁平你又唔入市, 咁平都無$$買既就要檢討下自己既實力, 提高收入/儲蓄先係最重要, 等待下次機會!

我都係80後, 83年出生, 2009年五月胆粗粗用自己同女朋友儲既20萬, 用90%mortgage買左層200萬細價樓, 我地兩個當時月入5萬, 借問聲, 小吉你戈時係邊?! 你收入幾多?! 俾20萬你, 你又夠唔夠僵入市, 當時好多朋友都唔睇好, 話我地不自量力, 好快俾人裁員, 負資產....等等.

今年3月, 我地兩個轉工, 人工63k, 5月第一個單位轉按70%再出租, 租金$8000, 仲變現小小$$$, 加埋自己saving同父母借多10萬, 5月尾買多個300萬單位自住, 依家有成交做緊335萬左右, 不過諗住明年結婚自住, 唔會賣!!

尼個例子話俾你聽, 嘈係無用, 入市時機 + 眼光/膽量 + 自身實力 (收入/儲蓄能力) 係最重要!!

買地平左又話官商勾結

買貴左又話托市

睇黎香港有啲事民真係有妄想症,而且症狀相當嚴重

"5月第一個單位轉按70%再出租, 租金$8000, 仲變現小小$$$, 加埋自己saving同父母借多10萬, 5月尾買多個300萬單位自住, 依家有成交做緊335萬左右, 不過諗住明年結婚自住, 唔會賣!!"

U paid extra 20% mortgage (HK$400K) for the first flat and then bought a new flat of HK$3M.  That means you have another few hundred thousand savings to buy a new flat? What is your story about? Not making sense! I dont mean what 小吉 wrote is right. Everyone has its own story, financial background. I agree that the property price should be cooled down to more than 10%. HK society is not fair in the sense that Gini coefficient ranked highest in HK.

我諗佢係因為樓價升左轉按做七成按掲,然後因為套左現,再加上加左人工又多一年儲錢,再問阿媽借多10萬,因為上一層已經轉做七成按揭,呢層樓就因為自住,可以借九成,加埋洗費,30零萬搞掂啦,咁咪買到囉.

正路丫,好合邏緝呀

哈哈...請留意, 2009年5月做90%mortgage買既樓, 係2010年5月係升左30%, 做70%轉按後, 係一毫子都唔使拎出黎, 因為一年內退保, 保費仲可以refund 40%, 再加埋供左1年既本金, 仲有$$落袋!!!

第二層樓, 坦白講, 我地都係做90% mortgage, 都係好驚既情況下(9招12式正式生效) 接左個炒家既止蝕貨, 低市價5%!! 我承認我都有80後既行為 (鐘意新樓/會所)為左明年結婚住新樓, 係供得起(月入63k + 2k net rental income) 既情況下, 就買啦......

新樓同會所保值丫馬, 好似買樓買海景高層都係穩陣d一樣
所以俾我簡我都係會買大型屋苑 + 15年內樓 + 有會所 +高層 +海景/開揚

83年的朋友, 你好叻, 我會以你做目標的=]

小吉哥
身為一個年青人, 要吸收人地既意見, 而唔係一味死衝就得架
知錯能改, 善莫大焉。

83年&88年出生的朋友: 本人都係勤奮工作嘅人,宜家都有啲積蓄,坦白講如買新界區屋苑樓唔係問題,屋企都會幫助俾首期,供樓可以好輕鬆.

只係遲咗朋友幾個月入市,樓價就貴咗2成,心有不甘人之常情,而且樓價升幅過大,引起年輕人反感,政府應該打壓樓市,俾年輕人可以上車至明智.

樓價升到現時水平,是否應該觀望一吓,等回落才入市?各方意見不一,令人好困惑!

入唔入市呢個問題, 非常深奧 =]
要睇番上一次高峰為何會插水
97年, 亞洲金融風暴係因為對沖基金見到亞洲區國家外匯儲備少, 有利可圖,
所以係呢度玩, 而香港因為聯繫匯率既關係, 唔可以貶值, 所以只可以加息
加息 + 8萬5 + 銀行缺水收緊借貸, HIBOR去到300厘, 咁搞法, 個市唔插水先奇

而家, 我覺得按揭都會愈黎愈難, 政府要唔打爆個市, 只好收緊槓杆, 減少成交, 減少炒賣, 因為政府都明白到, 打爆左個市, 對香港百害而無一利。因為經濟係一個大循環, 樓市唔掂, 銀行唔掂 ; 銀行唔掂, 企業唔掂 ; 企業唔掂, 股票唔掂 ; 股票同樓都唔掂, 香港就大檸樂了。

入唔入市呢個問題, 要你諗啦, 美國果邊下一年加息機會率仍然都係好低, 理論上, 如果冇其他外來因素, 樓市應該會KEEP住升, 但升既速度會減慢。而家只係希望, 政府會幫手穩住經濟同樓市, 同埋大陸政府唔好俾D野落黎玩, KEEP住落去既話, 都仲叫做健康既, 如果自住用的話, 我會入市。

以上意見只為個人意見, 如有差錯, 歡迎指教

個市實會冧嗰喎,不過無人知係幾時.如果個個都知道幾時,啲大鱷點揾食呀?

入唔入市最緊要睇吓自己能力啦,計過條數,每個月要供幾多,計埋加息因素都仲供得起嘅,而且做好心理準備可以長期抗戰嘅,咁就隨時都係入市嘅時候

成日睇返之前個市,邊做到嘢架,最緊要睇吓後市係升定跌啫~心態上過到自己嗰關,而唔係朋友幾個月前入市執到就覺得自己買貴貨,有咁嘅心態,永遠都買唔到嘢.市場上永遠都有人賺錢架啦,唔通要個個蝕到趴街先入市???????呢啲高難度動作真係超人先做到嗰喎

小吉,不如你轉換吓你嘅心態.

你如果攞嘉湖97年四千幾蚊一呎同而家比較,而家半價都唔洗,你咁諗會唔會舒服啲呀?

小吉：
    你可以選擇這樣做：買層嘉湖山莊細單位，目前售價約160萬左右，首期三成(48萬)+佣金(1萬6千)+律師費(8千)減去銀行回贈(貸款1%約1萬1千)，大約拿49萬3千元，就可上車。
   以拆息+0.7按揭計劃，目前約1厘，30年分期月供3600元，將該單位租出，月租約6000元，扣除差餉、管理費、地租約800元，實收5200元，每月減去供樓還剩1600元，一年就差不多2萬元，一年供樓還了本金3萬2千元，樓價橫行，一年無形中儲了5萬2千元(自己一個仙都唔使出)，若樓價上升就更加不得了，兩年後扣除欠銀行款項，分分鐘已是百萬富翁，到時再決定下一步怎樣走。

  加息？分分鐘是兩三年後的事。

to mi

組合拳規定, 非自住形式住宅只可作6成按揭

to mi

組合拳規定, 非自住形式住宅只可作6成按揭

其實依家入市真係見人見智!

我覺得無逼切須要既就唔好依家買啦 ... 炒就另計, 入既位相對靚(平過市價) + 轉身夠快就得啦...

除非你要結婚...等其他須要...就另計, 供得掂先上馬...

咁升落去, 唔使兩年後樓市可以爆煲, 最好政府干預下, 回番5% - 10%, 先再升!

而尼兩年就好好咁計劃下, 睇多d樓, 儲多d首期啦, 提升自己既收入 (供款能力尤其重要, 因為樓市係一個充滿槓桿既遊戲)!!

買啲多成交嘅屋苑/地區都好緊要,唔係到時有價無市, 轉身唔夠快就揩嘢啦

有會所各樣係好,但係如果個屋苑太細無乜成交就好大檸樂(我係過來人揩過嘢).好似沙田第一城都無會所啦,不過一樣升值,而且只要價錢吸引,要走可以即時甩身,唔洗等.

TO:88年出生的我

好似1200萬樓上唔係自住先係做6成,1200萬樓下好似無收緊嘛.

to:88年出生的我

佢有張良計，我有過牆梯。反正落定到交吉都起碼45天，況且第一次置業自住，銀行得鬼閒查你咩。如果查得嚴，咪自住一個月再出租，金管局都吹你唔脹啦，反正銀行錢都已經借出。正如申請居屋，符合資格入住後，你月入五萬，房署都吹你唔脹。

岩既, 而家好多人都係咁, 仲特登唔打厘印
但當然, 正確既方法係6成按揭 =]

多謝各方意見,小吉會認真考慮一下怎麼做!

第一次買樓做九成按揭,三十年還款,做高嗰GEARING, 層樓攞去放租,收返黎啲租夠供樓同埋管理費啦.淨返啲錢用黎炒股票,咁就最FIT啦

記得九七年前後都係好多濕鳩人出黎話好難上車,跟住個市就冧啦.

一方面經濟唔得,另一方面,俾老董隊冧個市

如果再多啲呢啲聲音,都係時候沽貨啦,因為佢地通常都係市場明燈, 入市即接火棒

曾生唔似董生, 唔會咁快有大動作, 而且人人經過97年後, 都會有警覺, 所以今次升市仲有得玩多陣, 最快既供應都講緊3年之後, 只要短期息率唔上得快, 業主持貨能力超強, 所以唔會咁快跌, 仲未到頂!!

而且有d地方既收租回報仲有4% - 5%, 完全唔覺得有bubble 出現, 加上政府新出既招數, 又唔可以完全無影響, 會令樓市升得慢d, 超高價賣地只係減少政府新招既心理影響, 實際既收緊按揭既措施依然會有成效, 令到個市升慢左, 買家質素提高左, 個市更穩定!!

上周五，政府煞有介事，由財爺突宣佈 3招 14式打壓樓巿，由於事出突然，故一些高水的炒家盤，即時要減價；當淡友認為殺戮時刻將至之際，豈料本周二拍賣的兩幅地皮，俱以超高價成交，地產商以行動 向政府表態，其打壓樓巿措施無效，亦證明主導樓巿方向的力量，是來自發展商手上財力及霸權。
發展商如此公開跟政府對着幹，主因是看死這個政府有心無力壓低樓價。事實上，長實剛奪得的兩幅巿區地王，日後重建成住宅出售時，相信買家中最少有半數以上是國內豪客，有這些大款無限量支持，政府甚麼措施都變得軟弱無力。

內地移民客成禍根

我們深圳人很不滿樓價給香港人炒得這麼貴,我是一個國內大學生,畢業出來工作已經十年,每月薪金從$1,200元加到現在的$3,300元,但是樓價從當時的每平方米約$4,000元,升到現在約$16,000元,升幅高達到4倍.

我們辛勤工作也是為了買一層樓自住,但儲蓄了十年都不夠首期,同時就算有足夠首期也供不起樓,非常不甘心,歸根到底,就是香港人炒貴了我們的房子.

這幫自私的香港人,不但炒高了我們的樓,還每天大量人口進入我們的地方消費,弄得我們的東西都貴了,我們也要向政府要求禁止他們來深圳買樓和消費.