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借錢買樓FAQ九誤答八 Home Blogger

http://www.homebloggerhk.com/?p=5071

讀者basten問既問題好多人都識答,但亦都有唔少上車既人好疑惑,不妨在比解答等網上多一項資訊。你知諗樣英文唔好,所以「西問中答」!

Questions:

Thanks for your reply again.  We have identified some targets which are slightly more expensive than your suggestion, as there are limited supplies in the market.  We are still negotiating with the sellers.  When we finally make it, what is your view about these:

1. Should we borrow the loan as long as 30 years?

現時香港既阿媽輩一定叫你唔好爭人錢,要比息又爭人野,與中國傳統觀念違背。其實買樓係少好有幫你運用借貸而倍大投資份額既,更可提供每月現金收入(租金),觀乎香港三十年來屢見成功投資個案。諗樣敢講買樓致富既人真係比買股買匯既人多,得罪股壇前輩有所見諒。

 

論點你唔使睇書,你睇下香港d老人家成日講:「我而家老黎衰衰地都仲有層樓」!再問埋層樓問使佢通常會答:「我舊時捱生捱死供返黎!」,所以樓有先借入錢再強迫你儲蓄既習慣,實在係正!

 

當然你會話九七年買入坐足十幾年貨! 係架所以諗樣冇叫人幾時都買樓。旺市時留返一注,淡市時盡力出擊。另外股票都有得借孖展,唔一定樓先有。可以股票孖展跌5%要call margin,期指亦都有「期」所以要迫你計數。樓好少比人call loan,有通常都係生意人。

 

答返三十年,借用網上言論一句:「如果做按揭認為越短越好既人,相信佢未讀完小學!」諗樣認為咁又太誇張,不過如果你年未過45,都係蜢做25年或以上。同埋有類人真係適合按揭越短越好既,就係石澳道班街坊囉。佢地興一炮過費事煩ma…

 
2. We will do 90% mortgage and I heard banks can put the mortgage insurance together with the loan, should we borrow this? Or should we pay it one-off?

 

係,如你做七成按揭樓上要比按保費,詳情請copy前一句放入google search。有收費表可睇的。如果做九成分三十年借四百萬,你要加借成十幾萬保費。

至於如果你有錢做七成,究竟比唔比保費上九成好,就視乎買完樓係仲淨幾多cash。

 

3. HIBOR+1.7% and cap at P-2.85% (Big P) or P-3.1%, which one is better?

HIBOR其實分一星期,兩星期,一個月HIBOR,每秒可變。所以你要睇下咩HIBOR。現時如果你個PLAN係兩年罰息期或以下,而加埋利息又唔超過2.15%更有封頂既,都仲係HIBOR好些少。

 

封頂既係如HIBOR抽升,個按揭息都仲係以P-2.XX%同你計。冇封頂既PLAN好危險,因九七年/零八年試過一晚HIBOR勁抽升既。

 

至於咩係大P細P,一般HSBC, 恆生, 中銀都用細(即5%),其餘係大P。現時為2012年12月。


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