The origins are that our banks HK$ savings/fixed deposit interest rates are "so so little" for past 10 years, so that many "full cash" or "almost full cash" investors (both local and overseas) are willing to buy and hold real estates for "long term investment".
Besides, HK has little alternatives for investors ... Gov't bonds, i-bonds are also of little yields in recent years.
HK Stock Market is full of uncertainty, e.g. Before Aug 2016, 005.HK was only around HK$50 ... only when it announcing the shares buy-back scheme stimulated its share price thereafter! ... even its P/E was over 100 in 2016 and even its dividends pay-out unchanged! (I always say that 016.HK should consider such a shares buy-back scheme. It is under-valued c.f. 1113.HK or 012.HK)
(P.S. Luckily I have my own fully paid apartment.)
我始終那句，買吾到樓不用跳樓，但買錯貴樓則有可能。
回覆刪除無人會理會，大家繼續押重注，勢必令樓市推上極點。
刪除我這些審慎派，被人稱做未能跟得上資產潮流。
我未買過樓，難以評價，亦唔明當年負資產年代啲人點解要跳樓。今日買樓嘅人都係話就算跌都唔會被call loan, 而今日香港嘅失業率仲係3巴仙左右，或者失業率攀升才是樓市剎星！
回覆刪除1997年香港一片繁榮，樓價每星期都有很大變化，炒樓變成最賺錢的行業，任何忠告都變成阻人發達。
刪除後來樓市爆煲，香港百業簫條，失業率大升。樓價大跌一半，高峰期入市的全變負資產，一生積蓄無晒，還欠銀行一大筆債，不少人想吾開就輕生了。
一般銀行對樓按都甚少call loan,若供吾起也有可能讓你債務重組，只還利息先。但當年息口比現今高幾倍，收租也COVER吾到條數，又無工做，怎有錢還？
刪除銀行亦只好將抵押的物業以銀主盤賤價出售。
就係太多人賺到心雄, 無錢都要借錢買, 一買就幾層, 之後股市跌而樓價都跟住跌, 好多公司破產炒人, 所以D人無入息供唔到樓, 又賣唔出, 因為賣咗都填唔到借銀行的錢 !
刪除當年最出名的是B嫂炒樓搞到阿B破產; 白姐姐訓街因為無錢交炒樓稅 !
刪除還有童神輝炒樓炒到要燒炭, 但死唔去 !
刪除To:二當家
刪除借貸威力強大，但環境逆轉時，你要懂得控制得宜，否則佢會牽住你走，將會很大壓力，壓力大到可以失去生命。
謝謝各位，要樓市跌，看來要等息口回升(但香港仲未跟美國加息),加上市道差時/失業率升，啲人供唔起時個市至識回。
刪除這是最完美的情況。
刪除但世界上有句說話就是-世事難料。
投資最重要是假設任何最壞的情況發生，自己亦游刃有餘。
Student says:
回覆刪除The origins are that our banks HK$ savings/fixed deposit interest rates are "so so little" for past 10 years, so that many "full cash" or "almost full cash" investors (both local and overseas) are willing to buy and hold real estates for "long term investment".
Besides, HK has little alternatives for investors ... Gov't bonds, i-bonds are also of little yields in recent years.
HK Stock Market is full of uncertainty, e.g. Before Aug 2016, 005.HK was only around HK$50 ... only when it announcing the shares buy-back scheme stimulated its share price thereafter! ... even its P/E was over 100 in 2016 and even its dividends pay-out unchanged! (I always say that 016.HK should consider such a shares buy-back scheme. It is under-valued c.f. 1113.HK or 012.HK)
(P.S. Luckily I have my own fully paid apartment.)
息口確是一強大力量推使人買樓。
刪除政府不夠鐵腕，不敢出勁辣招
回覆刪除政府其實唔係無做嘢，但息口低這環境是無得強變，你要聯匯，你注定將會面對所帶來的副作用，我深信故事未完。
刪除我想法有些不同
刪除老實說, 樓價大跌對政府或者業主都冇著數
特別現今二按極多, 發展商直情借埋錢比買家買樓, 但大部份市民都揹緊樓按貸款果陣 政府一出狠招樓市一大跌, 就會有好多人唔掂
其實哩方面中國大陸做得比香港政府聰明, 不少內房都玩唔同既手段去推高樓價, 令內地樓市大得不能倒, 但中國政府係趁情況未失控就接連出招打擊內房, 預計將來限制樓價升幅既政策只會有增無減
最理想情況, 樓價平穩, 貴唔貴係相對, 依家最大問題係 樓價既升幅遠高於市民人工既升幅, 難聽D講, 儲10年錢諗住買樓, 10年後個樓價又要你儲多10年先夠, 無限LOOP, 這才是最大問題
早前恒大想入主萬科件事, 個人認為許家印投資萬科並唔係單單好似佢口頭所謂純粹投資 佢大概是想自己能夠控制恒大及萬科兩間合共銷售額分分鐘突破萬億既房地產巨企 去壟斷內地房地產市場, 到時恒大集團先至係真正大得不能倒, 到時恒大一有咩事, 內地樓市必爆, 經濟必然受到重創
刪除當然，任何政府不想樓價大跌，即時想，對政府及企業肯定是負面。
刪除另一方面，因政府不想樓價大跌，而設法不想它狂颷。
投資內房，我亦如過往喜歡財務較穩健。
刪除其實想樓市跌唔難,增值稅都得,你升值政府抽重稅
回覆刪除只不過董伯伯在前,政府驚樓市大跌,唔敢出重招,變左又驚佢升又驚佢跌
這確是好方法，但不知有何副作用。
刪除