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[你中左幾個?]10個令人墜入財務漩渦的行為#964

你好,本人因種種原因,弄致周身咭數,希望你能指點迷津!

背景:
-與家人同住屯門碼頭700呎居二,我名,已供完,未補地價
-當時07年買入約7x萬(居二價),現自由價約400萬
-單身,月入15000,咭數約27萬,扣除家用咭數,剩”0″
-已查信貸評級……花哂,超低,尾三,根本不能再借錢

急問:
1)怎樣可以好好利用這居二來幫我清清咭數,做到你們所說的有樓有救?因我已問過財務公司,以我信貸評級,息口超高!
2)因家人都很喜歡這居屋,也不想老人家重新適應新環境,所以不想賣掉!突然忽想,如果我假設賣給我哥,要呀嫂做擔保人,通過壓力測試,最多可借6乘=240萬,供30年,2.15喱,月供約8800,但一半約120萬要償還補地價,再扣除1萬經相熟律師樓包辦買賣,買家印花稅9萬等等,約剩240-120-10=110萬,有了這畢錢雖然可讓我立刻還清咭數,但實則是用哥嫂名去代我借錢,其實真的不到最後也不想行這步!
3)信貸評級怎樣可以快速改善?

請問你認為這樣行對嗎?有否更好做法?如果真的行了這步,還咭數後剩下的錢可怎樣好好加以利用?想買樓收租又唔夠錢比一半首期!

冇路可走,謝謝!

 

Купить марихуана Корсаков ANSWER:

筆者有朋友要幫阿哥還債、家人患病、都無好似本案讀者咁「因種種原因,弄致周身咭數」。讀者而家仲可諗下既出路係未爆既信用卡可否整些「易得錢」去拖一拖。由於本身每月無銀淨、欠下卡數既利息又貴,再min pay 咁還落去都冇乜意思。信貸評級係無得改善、而所作所為更留底7年,同你係差館個file一樣、大家宜小心學習處理。

 

如同家人商討後發覺「親人融資」不行、見讀者份糧都仲佢唔係咩專業人仕,咁不如申請破案重新黎過。其實只要你唔係公務員唔係財金界、破產之後5年又係一條好漢。破左產,唔係成世人都無信用卡同買樓,不過5年內確實係要醒定做人。醫生律師呢d辛苦工亦可免除。何況自己闖出既禍應自己承受、唔好累街坊,讀者到呢刻仲有少許良知(或因害怕而有所感)唔想賣走家人居屋、值得稱許。

 

留意唔好搵咩財務中介同自己想辦法,一般都係吸血鬼。蠢人同懶人做出黎既只有人蠢做法。你可能認為筆者文章是極度歧視加上重階級觀念,但無奈香港就是這樣一個地方。筆者唔係耶穌,唔係人人都救到。亦無能力將月入一萬既人搬上半山住大屋。在首本書<樓換樓>已提出大家先要認識自己是庸才再努力,本blog只授效率高的方法作輔助、更會收費、不歡迎free lunch guy。點解介紹左比人既方法要免費比你入黎買貴哂個價呢?

 

信貸評級反映一人之借貸力,筆者在其他網文已指出一人可做按揭借到幾錢係可計出的! 例如計出你同未婚妻共可借5百萬後、那就不用浪費時間同經紀睇九龍三房。又或經紀說新盤發展商可做二按、但你的文件及借貸質素是否合符借出標準呢? 若不符息口由2%之下會調升至5%以上的,筆者在「應否買新樓收租#799」http://homebloggerhk.com/28835/  指出standby second mortgage loan要比手續費加貴息。

 

年青人除了要努力工作增大自己月入外、其實要避免一些會減低自己借貸力的行為。你見blog有一半人仕都係因為買樓已改變了人生。淨係靠自己每月三萬「老底」,搵30年過洗先儲到過一千萬,計出份糧幫到你改善今日伙食、但不能改變你幾年後的格局。鑑於提振借貸力有一套方法,及最好預6個月時間準備、建議要避免以下令人墜入財務漩渦的行為:

 

1. 聽人講儲錢好、而安排一份超過20年的儲蓄保險

2. 不問原由做左人地擔保人

3. 參加集資項目投資工商廈

4. 無端白事申請信用卡,唔用都會有影響既

5. 一儲到錢就攞哂去買野、例如車。令自己變成有儲蓄習慣但無資產在手既人

6. 一年超兩次的遲還卡數

7. 用私人貸款去買海外物業(因: 反向運用了房地產優勢)

8. 公司名義與陌生人一齊買樓,貪可以少本金買物業、最後發現係天仙局

9. 經常出入買賣基金

10. 沉迷窩輪牛熊證

相信1-2個在香港人而言少不免,有冇人「得分」5個或以上仍未心感後悔的!?

 








 


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