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七百萬元以下的樓

七百萬元以下的樓

財政司剛出爐的財政預算案,普遍為人接受,負面聲音較往年少。在壓抑樓價方面未見招數,反而隔天金管局推出壓抑樓價的新措施惹來一陣熱論。

為防止細價樓市價格飈升,七百萬元以下樓價的銀行按揭由七成降至六成,即業主要支付四成首期。對一些首次置業但銀源不太充裕的人而言,是極之震撼。等於蓄了多年錢,剛剛足夠比首期連雜項費用,有望上車之際,卻走出一個大頭佛,令多年計劃落空成泡沫。

以現畤樓價而言,一成樓價也要幾十萬,短時期內要騰多幾十萬,何其容易!就算樓價因新措施而微調向下或停滯不升,也幫不上很大忙。再者,新措施又是否能夠抗衡樓價上升趨勢,而抗衡力量又能否持續,大家仍在期待結果。

有兩種推論,一是估計大部分買細價樓的人,在通漲年年,百物騰貴下,入息扣除雜項使費等,儲蓄所餘無幾,在收緊按揭下,那有閒錢支付幾十萬的差額。少人入市,細價樓會滯銷,所以樓價因此會下跌。

但另一方面,香港的樓價一早已走入瘋狂世界,不受限制,只會升不會跌,或說是只微跌但升幅卻高,所以耬市價格並不會如想像中狂跌,抄家仍對高樓價有憧憬。過去樓市大跌是因為遇上震盪的大事故,包括金融風暴、沙士爆發等。若然不利消息只是零星遍落,不足以影響市場價格回落。

買樓究竟是為求一個安樂窩、是想藉住私樓提高身價、還是想跟人比較樓宇地段?買樓要量力而為,要平衡自己的經濟能力,每個月也要留儲備作不時之需,一旦家人生病或有身故,也有儲備金應付。

一些人本來已經可以購買經濟能力範圍下的樓宇,但卻嫌這嫌那,希望追求稍高水平但又要價錢到位的物業,追追逐逐下,價格不等人,遂錯失機會。兩點說法,一是先上車,以樓換樓就能換到好樓;另外見解是買樓不是買一棵菜,用一身的積蓄買窩居,必要選擇合心意的才買。

任何事情皆以自己能力為主,看不懂局勢時,與其猶豫不決,以小步作起步點不失是穩健的方法。

1-3-2015

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