Industrial building have the following main disadvantages :

1) Majority of area have no windows, that means rely on ventilation, people like to feel the natural sunlight rather than switching on the light all the time;

2) No kitchens, even have, it's only available for electrical cooking (similar to some of modified commerical building in China)

3) Industrial building normally sitting in the industrial zone, so they would just face to face to the opposite industrial building most of the time, you don't have good natural views even you can live close to the window;

4) Since the previous planning is in industrial zone, they are not much playgrounds/ parks or other supporting facilities around, just want to have jogging and breathing in fresh air looks like a difficult job ;

5) There are not much shops or supermarkets around in industrial area even in dense urban area;

博士言之有理。

我也認為最初兩三年只有幾十棟工廈改建為住宅，但切莫小看這幾十棟住宅，一旦有人長期居住，就需要消費、聚腳、娛樂等。配套設施將陸續形成，即是其他尚未改為住宅的工廈也會旺起來，尤其是地鋪、地廠。設施一多，將吸引更多人入住，則工廈改住宅的需求就會大增，形成良性循環。

還有，首批遷入工廈居住的應大多為年輕人，有無廚房問題不大，現時年輕人中，“無飯家庭”甚多。年輕人一般願意消費，而且願意嘗試新事物，說不定若干年後，工廈區會形成若干創意產業園區。

政府要防範的，或許只是在樓市蕭條期要暫時收緊工廈改建的手續，以免過度衝擊樓市。當樓市興旺時，再放寬手續。如是，則工廈真有可能徹底活化。

金管局:收緊持多於一個物業的按揭貸款

金管局總裁陳德霖剛公布，本港的新按揭措施，對申請人持有多於一個物業的貸款申請，將予以收緊。

唔知大家有無留意而家晚上有好多咩咩物業貸款公司, 佢地的生意好到不得了, 所以愈攪愈大. The problem is where are the borrower from? 佢地的客其實就係o的銀行借唔足既客. 雖然佢地叫物業貸款, 但實質佢地根本唔會正式做份second mortgage, 因為第一按的銀行根本唔比. 而究竟咁多間物業貸款公司係市場上既outstanding loan size 有幾大, 根本無人知. 而佢地資金其實就係問銀行借credit line, 再轉手比客, 食個credit spread. 所以現在銀行好似好安全, 但實情是, 有事時, 銀行將收緊物業貸款公司既credit line, 物業貸款公司就call loan, 要記住,  物業貸款公司實質係財仔, 佢地唔會好似銀行咁仁慈. 呢個先係最令人worry 既hidden risk.

佢一方面壓抑購買力, 一方面加供應. 只要佢成功壓抑購買力一年, 到時購買力同new supply 一併出現, 樓價可望持平. 而呢一年樓市將會呆滯, 雖有時會有零星創新高價, but cannot be a trend.