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Homebloggerhk 按揭 買樓 理財 基金 股票


中產先生「淨身」方案(答)

http://messageamongstthepetals.com/manhood/395.html >>按此看問題

答:

我相信中產兄唔會介意我用中年黎形容佢,至於是否中產諗樣已去信財政司司長辦公室,睇下佢能否合符中產之定義。姑且先叫讀者為一個中年中產。唔好以為咁叫係冇意思,你到中年理財方法與年少不同,中產可以錢搵錢但窮人無左六千蚊連開飯都成問題。Well,中產兄個案與我之觀感,是家庭儲蓄水平頗低,家庭月入人中近十萬而現金水平只得相等於五個月人工。當然家家有本難唸的經,亦有可能中產兄沒有披露他在股票方面之投資。現在用所知資料,將此個案為大家分析一下。 

 

中產兄令我諗起友人提及佢奶奶鬧佢老爺之一段說話,話佢到退休之年就對左兩件事: 1.娶左佢2.買左間樓。Well,我相信中產兄不得不承認佢之前如不作「樓奴」,今日「邊度都唔使去」。點解? 好明顯如果唔係間樓升左兼可加按到3.20mil,佢退休年齡(或達成財務自由)可能要再遲十年。當然香港是危機處處的,錢易黎但亦越唔見使! 買樓收租固然好,因為租金會隨通賬升跌,而自動對沖通賬風險。如果中產兄支出不大,勉強可行反地心吸力策略,即每兩年買個小單位用平均價而入市。現因支出比重大,唯有行番普羅大眾之法,即靠自己time the market。 

 

Time the market冇可能100%成功,如你是樓市長線投資者,趁後生借落筆美金,時間可以沖刷走你欠下之債務。現因要time the market,如中產兄現在買入單位放租,不是良策。應先盡力加按,及將單位趁機轉至單人名下(如果是聯名),可以老婆有樓係手及老公存放套到的現金,現存債券基金或人幣存款以待良機。將原有單位轉至單人名係要配合政府新辣招,個人名義購第二套房是要交雙倍從價印花稅的,不如先將中產先生「淨身」,下次買樓可有兩好處,一可以九成上會,二可以避免雙倍從價印花稅。當然新買樓做九成上會唔可以租出,唯有到時決定會否將原有物業出租,自己搬入新樓。 

 

中產先生建議選擇方案二,至於現時按出之3.2mil現金,每月提供約HKD10000元之月入,應可做到。惟需線下詳談,在此不在產品介紹。另外可能有人問中產先生明明有錢,點解下一次買樓都要做九成上會咁「孤寒」呢? 諗樣之建議是後生可以先借錢,攤分廿年慢慢還。到年六十歲退休時,其實萬餘元之供款根本買不到什麼,租金更會升至幾萬元一個月添。到時租間劏房可能要以萬元計,你將日本yen紙個錢碼套番係現時香港就估到遠期後之情況啦!


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