為甚麼要在1997年買樓？

近日的香港特首选举丑闻不断，西九门，大宅门，地穴门，大都涉及延后利益问题，对提高公民意识得益不少。

回看台湾及东南亚的选举，流水筳派现金的现象也颇多，这些在香港都属于贿选，是明目张胆的贿选，幸好香港有ＩＣＡＣ。

由以上两种现象令我联想到各位参选的选举承诺中的涉疑贿选问题，如某人政纲中说日后向某族群派三千大圆，或为某类人建多些房了好让他们每人一间。这些明码实价的选举承诺跟投票后在票站外派钱，跟所谓的延利益和利益输送又有什么分别？？请有识之士指教一下。

盲或无脑

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另类基层霸权

近日的香港特首选举丑闻不断，西九门，大宅门，地穴门，大都涉及延后利益问题，对提高公民意识得益不少。

回看台湾及东南亚的选举，流水筳派现金的现象也颇多，这些在香港都属于贿选，是明目张胆的贿选，幸好香港有ＩＣＡＣ。

由以上两种现象令我联想到各位参选的选举承诺中的涉疑贿选问题，如某人政纲中说日后向某族群派三千大圆，或为某类人建多些房子好让他们每人一间。这些明码实价的选举承诺跟投票后在票站外派钱，跟所谓的延后利益和利益输送又有什么分别？？请有识之士指教一下。

點解要係熱火朝天嘅 97 年買樓？我絕對有發言權！ 
因我唔單止係 97 年買，仲要係 6 月底落細定，7 月頭俾大定！！ 
 
我本來有間兩房細樓，大約 400 呎左右，但結左婚後唔係幾夠住，我與太太在 96 年頭已四出睇樓，想 G O D！！ 
心怡單位要近我外母，但嗰度嘅樓價就每個月都升十萬八萬俾我睇，勁過呢排多多聲！！ 
我住開嗰層當然都有升，不過銀碼細啲，每月只係升幾萬啫，但已經足夠俾人Call 爆機，叫你放盤！！ 
我咪同地產開個天價出來，話有人俾倒先再揾我，費事成日俾人煩住，點知只係靜左個零月，真係有人俾到價呀！！
我同老婆商量，話呢個係接火棒嘅遊戲，樓市根本係升到 Over 晒，有傻佬接貨，咪俾拒囉，大不了搬去同外母住！
 
嗰陣係 97 年頭，我同經記開出兩成大訂，半年先交吉，成交期未完唔能夠再翻睇，點知新買家二話不說立即答應！
原來接手嗰位仁兄係一個炒家，過多一個禮拜見倒附近地產貼我個盤出來，加弍萬！！！ 
 
突然揸多成百萬現金先知死，個市原來繼續升俾我睇，重唔拿拿聲走去揾樓？但每次去睇樓，地產連一個鎖匙盤都無！
 
就算有人住緊嘅單位，每次都有其他客齊齊參與，都唔知係唔係「妹」黎嘅！！ 
到真係去到 King 價嗰陣，唔單止無價講，十之八九仲反埋價潻，經過幾次之後，我都學精左 ，唔講價！！ 
你話幾多就幾多，並立即開票！但原來咁係唔得架，嗰陣啲業主好醒，聯名持有嘅物業，一定有一個人唔係度！ 
通常個零鐘頭就會收倒經紀電話，唔係另一方唔肯賣樓、就係再高啲賣左俾第二個，再唔係就係要你再加啲！！ 
到左 97 年中，有個經記話有個實到唔實嘅盤，只係比市價高少少，經記仲例牌「實盤難求，有買襯手，蘇州過後」
 
咁我就成為嗰幢樓嘅其中一個業主，直到前年先翻家鄉！ 

Why we bought a flat in 1997??  Time to get married and you got a bit of money for downpayment....not so lucky as Mr. Wong, we sold the property in 2005 with a loss of around 40%. 

That was the effect of 85,000 advocated by CY.  During 1997 to 2003, once the property market had a sign of recovery or rebound, our "smart" govn't would come out to push the demand with the subsidized houses and govn't flats, until the property market dropped 80% to a rock bottom and lost all momentum to rebound. 

Frankly speaking, I am really scare to death with CY, the advocater of 85,000.  How come he still doesn't have any regret on his policy and keeps saying that if continue with 85,000, we won't have today's problem of high property prices.  Yes, we won't have high property prices if the policy continue.   But we will have high charcoal prices and funeral business will be a big business.

He is just an idiot playing a "smart" role.....hope that people will have a clear mind....

我第一個物業都97年4月買入，653呎，但沙土之後走，C到眼都突，從頭來過，跟住投資觀塘工廈至今有五倍升幅，所以物業長有數。

Depending on affordability & individual purposes , buying real estates do need to consider the current market environment.

On / before 1997, we had 85000 units for a planned economy in HK & Asian currencies crisis. We did not have investors from mainland, the value of RMB was still lower than that of HKD.

Now, the exchange rate is higher at 1RMB = 1.234HKD,  and  there are many money printing machines in the world since global financial tsunami in 2008. Also, the housing policy goes back to the supply & demand market. Unfortunately, the government officials recently set up a new tool called SSD and raised the downpayments to a higher level for new applicants for mortgages. 

These charts are not new things.

quote these again before people forget.

係米應該搵 +蔥 黎解讀一下哩兩幅圖呢

This time is different ! We do need to wait for weeks up to 25 March 2012.

When CY wins the election under the Beijing Consensus, every new homebuyers should be severe cautious. As he insisted that he was not involved in 85000 units during Mr Tung's Administration. That means CY has not done anything to the HK Economy (i.e. No contributions / Talker).

Anyway, got to be cautious as election is coming soon ... 

To 36中下產:

Good questions!  People without any properties but blaming the govn't and developers for high property price should ask themselves those questions.

Lots of people say that today's property prices are very high.  But only in nominal term, but when we count in mortgage rate, today's property prices are still much cheaper than that in 1997.  Take a property valued at 5 mil, with 30% downpayment, loan on 70%, monthly repayment today is only $13500(2.35% 30 years)  whereas the monthly repayment in 1997 is $36,000(12% 30 years).  Let's ignore the increment in people's income, simply look at the repayment amount, you will know that property prices can still go up further.

Think about that!

...買一間細嘅400-500呎自住，因為利息跟租金抵很多，假設300萬，按7成，利息每月只有3800，跟8000租金，每月儲4200，兩年慳100000㗎，不過你要有900000首期...

又係D唔肯住新界, 自尋煩惱之人, 慢慢儲90萬啦!

點解要係熱火朝天嘅 97 年買樓？我仲有嘅補充！
想當年深井樓賣一皮、嘉湖要 5 千，但半山樓只係叫緊 8 千，所以我咪鬼使神差咁落左「叠」！
依家回翻帶看當年，深井浪翠及嘉湖最少有大半價格係泡沫，就算政府乜都唔做都爆硬！
97 年高峰仲敢入市嘅業主，十之八九曾幾何時都執過錢，要嘔少少出來應該無大問題！
但幾年時間樓價跌一半，對整體香港經濟絕對係傷筋動骨、入心入肺！
嗰陣失業率飇升，就算保著份工都會面對 CUT人工、扣花紅、減福利及無償開 OT嘅情況！
收入少左唔代表可以做少啲嘢，反而加辛唔加薪就大把，如果唔係 98 - 03 年供樓利息係咁減，死得仲多人！
 
其實 98 年開始股票狂跌、樓價失控，政府應該檢討呢個 8 萬 5 政策，而且當有新嘅房屋方向，就唔好收收埋埋！
好等 8 萬 5 自然死亡，整死多啲人先收科！！
 
CY 話拒咁多年有乜嘢做錯？請問 8 萬 5 死咁多人夠未？你唔好話呢單嘢係老董嘅「功勞」！你只係「觀眾」！！

如果疫症今年再來就真係

吾知大家係咪夠膽入市囉?!

注意個人衛生吧!!

王先生說得很對! CY這人用十六個字去形容:

剛愎自用, 不聽人言; 功歸於己, 諉過於人.

今天不相信的人, 很快便知真假了.

Mr Tung and his partner CY as properties/housing adviser may not realize that many small companies / factories bosses were using extra mortgages with many financial institutions for their houses mortgages (i.e. double digit of interest rates) and facing the inadequate /big drops in sales orders for running their small businesses during the Asian Currencies Crisis in 1997/98.

For the planned economy, the 85000 units were regarded as indirect killing of many lives /families at that time. So far, the concerned person(s) insisted that they were/ he was not involved...

They/ He never accept their/his negligence,  careless mistakes or any liability. 

At the end, 85000 units vapourized ! Many lives were vapourized too !