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Subject: 供車還是供樓﹖


Author:
David
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Date Posted: 09:18:25 08/14/02 Wed

供車還是供樓﹖
(2002/08/14 明報)
最近有朋友問經濟不景,失業率不斷上升下究竟應否買樓,說實在的,今時今日置業,絕大部分是買樓自住,除了要評估經濟和樓市前景,更重要是了解本身的需要。

說回這個朋友,最擔心是買樓後有朝一日失業,如此供樓便會變得吃力。不過,這位「仁兄」現時雖是無殼蝸牛,仍未結婚卻已有「二奶」(養了一部車),未計車價折舊,單計停車場費用、油費、保險和牌費等,每月平均已要支出約9000大元。其實,以現時樓價和利息,每月9000元已足夠在市區供一個細單位﹔當然,一旦遇上失業,賣車自然比賣樓容易,可以隨時「甩身」。

然而,買一部車,車價十年後差不多一定折舊至「零」,樓宇就算十年、廿年後,只要保養得好,始終有自住價值,絕無「供死會」之事。買樓與否﹖還是自已決定吧。

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Re: 供車還是供樓﹖WW21:55:16 08/14/02 Wed


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