Monthly income of 150,000 also has the first issue! Specialist doctor rents 80% of the car at the end of 10 years

Real estate market

Written by: Xu Shihao

2020-04-01 07:30

I've often heard people say, "I can afford a building, but I just saved the first installment." The problem of expensive property prices and high initial prices in Hong Kong has always plagued many shellless snails. As a specialist, Liu Sheng has a monthly income of about 150,000 yuan. However, he chose to rent a building for 15,000 yuan a month and waited for 10 years before he first bought a home. He spent more than 9.5 million yuan to purchase the "The Carmel" stratified unit in Tuen Mun. For more than 20,000 yuan.

Someone else may think that Dr. Liu's monthly income is about 150,000 yuan, and paying 40% of the first phase of home purchase is "idle business." But the truth is, in order to avoid “saving a bag” and investing all bricks, he chose to borrow a full 80% from the developer to get on the car.

Last year, the government relaxed the mortgage insurance plan. Many analysts believe that the measures are specifically targeted at people with higher incomes. The purpose is to help users get on the car with a lower first installment and solve the problem of "affordable but no first installment."

Earlier, the new property "The Carmel" in Tuen Mun, owned by Wing Tai Real Estate (0369), was gradually recruited. The reporter and Brother Ming, a senior building inspector, went to a stratified household for building inspection. During the period, they chatted with the owner Liu Sheng. He, because of his work relationship, moved to Tuen Mun alone about 10 years ago. He spent more than 15,000 yuan renting a sea view unit in an estate in the area. Ten thousand yuan, the first purchase of a middle-level H room.

"The Carmel" has a quiet environment, but owes shops, malls, etc. near the place to buy daily necessities. (Photo by Yu Junliang)

Before the mortgage insurance plan was relaxed, a unit of 9 million yuan, excluding other miscellaneous expenses, the buyer must pay at least 3.6 million yuan for the first installment. As a specialist, he currently earns about 150,000 yuan a month. The first phase of saving money should be "easy and easy", but why choose to use the 80% mortgage provided by the developer to enter the market?

Liu Sheng said that he has been intending to enter the market for the past ten years, but in the past, as long as the property price exceeded 6 million, the buyer had to pay 40% of the first installment, which is also a burden for him. There are a lot of systems. A developer's helper in the new building will help with the mortgage. If (at that time) it seemed that Yijiabang was relaxed to 80%, it would be much better. "

The first price list of "The Carmel", some units per square foot price as low as more than 9,000 yuan. (Photo by Yu Junliang)

`` I want to clear a bag ''

Even if he can afford the first installment, he still has to face the problem of fewer choices. "9 million yuan can only be bought for a 300-square-foot unit in Wan Chai." The Carmel developer launched the first price list, some of which are low. More than 9,000 yuan, the price is "back to 2015". Seeing the impact of the Sino-U.S. Trade war early last year, property prices fell slightly, coupled with the quiet environment of the project, which was in line with his ideal home, so he decided to enter the market.

At present, he contributes more than 20,000 yuan a month. He is looking for a bank to take out a mortgage, and frankly that when he buys a unit, he is indeed able to pay 40% of the first installment. "There must be a way, but I do n’t want to clear it up and save. I bought a parking lot if I did, so in the end I borrowed (from the developer) 80%. "

About half a year after buying a property, a series of social events in Hong Kong due to anti-revision laws also made him discouraged about Hong Kong's prospects. "I don't expect to buy a condominium first. Immigrants have had it, but they bought it at home." Building, there is less trouble. "Although Hong Kong's road ahead has added haze, the good news is that the units purchased are of good quality. The reporter once visited Ming House, a senior building inspector, for building inspection in one of the bungalows. At that time, he had received praise from Ming House. This time, he hit the strata households again and scored over 90 points.

Expensive property prices and high first-phase issues also plague professionals like Liu Sheng. (Photo by Yu Junliang)

"Coming and going" treatment continues to receive praise

Mingge pointed out that in the house project, the developer has spent a lot of time on the treatment of "coming and going water". On different platforms and terraces, two drainage channels have been used. Like stratified households, developers have waterproof rubber edges from the top to the bottom of the shower screen door to avoid water seepage from the hinges of the door. Ming Ge pointed out that this design is rare. The original strip design has improved the waterproof performance. It can be called "no leak".

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The shortcomings are that the bathroom shower door in some bathrooms is not close to the door, or the plastic edge is damaged, and there is a small amount of sand and stone to be removed from the bathroom's bathroom.

The unit is the same as the bungalow. No hollow bricks were found. Only a few sweeps around the platform were missing, so Mingge gave a high score of 93 points. The developer responded at the time that it had immediately followed up the training stations, and most of the training and inspections could be completed within the month (February). As for individual items, because it takes time to order materials or arrange equipment, the process will be completed as soon as possible and a final acceptance with the owner will be arranged.

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The Carmel