I think
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作者:大象 (等级:13 - 举世无双,发帖:9150) 发表:2005-12-12 14:12:03  楼主  关注此帖评分:
请问这里有人买房的了吗?发觉这里好像没有关于买房的帖子,而这个也许是很多留在这里工作的人都会经历的,前辈们的经验对我们来说一定会很有帮助的。 抛砖引玉,先问几个问题: 1。对于对未来是否会留在新加坡还不是很清楚的人来说,买房还是租房比较划? 2。hdb还是condo比较保值?还像有些condo的价格已经和hdb不是差别太大了,而显然condo的条件会好很多。 3。买了房如果将来要走,但是贷款还没有还清的话,该如何做? 先谢谢前辈的回答!
I think
1. Rent a house is a better option for me, why you want to take the risk (both interest risk and property market risk) if you are not sure you'll stay in S'pore for long? To buy a house, you also need to factor in the renovation and maintenance cost.

2. A lot of condo is not easily accessable, also you need to pay a higher management fee. If you only want to 保值, fixed deposit also achieves the same result.

3. You can sell it to pay back your mortgage or you can rent it out to collect rental and continue to pay back your mortgage.
大方无隅,大器晚成,大音希声,大象无形,道隐无名
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作者:大象 (等级:13 - 举世无双,发帖:9150) 发表:2005-12-14 16:03:10  2楼
I thinkI think the risk factors, namely, interest risk and property price risk, the first one can be hedged or diminished anyway, since the interest rate goes up, it's always a good deal to get a relatively lower rate mortage, in the case interest rate falls, it generally indicate a good state of the economy, so the price for rental will be higher, the money collected on monthly rental fee will compensate the loss of a higher mortage payment. The only investment desicion should hence base on your expectation of the future real estate market and your financial plans, if as many analysts predict, there would be a rise in the real estate market, it might be a soundy choice to buy some properties, as long as you can afford. Carefully choose the location and the environment.
Well... For the interest rate part
If the interest is rising, the bank will adjust your repayment upward as well, for example, DBS has already bumped up their mortgage rate for the third time this year, an average customer with 500K borrowing needs to pay additional 130$ per month. So house owners are definitely subject to interest rate hiking risk, because your interest rate is not fixed after the first 2 years.

And low interest rate -> good economy shape... err, I don't quite understand this point... Interest rate is high now, and economy is in recovery....

However, I do not dispute that generally people believe the trend of property price is going up in the next few years, but it is still speculating... Investors should balance all aspects and take into account their risk profile as well...
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作者:大象 (等级:13 - 举世无双,发帖:9150) 发表:2005-12-16 16:18:48  3楼
关于买房 (抛耐火砖一块)鄙人认为,考虑买房问题的重中之重是人身安全问题。 举个例子,如果突然被车撞死了,那么买了房子,也没的住了。。。 其次是金钱问题, 如果没有钱,怎么买房? 第三是家具问题, 买了房,没有床,咋住? 我的发言完毕,抛砖引玉。
hahaha, long time no see
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