Newly-married couples "separated" lived together for more than one and a half years, and rebuked more than 5.5 million people to get on the bus and retreat: Good regret!

Real estate market

Author: Zhai Ziqian

2020-06-04 08:15

According to government statistics, Hong Kong people have been getting married lately in recent years. Perhaps many people think that housing is the primary consideration for marriage, but there are couples who wish to "pull the skylight" earlier and prefer to choose to live separately after marriage until they can afford to buy an easy nest.

The owners of this story, Zeng Sheng and Zeng Tai, still lived separately after getting married a year ago. Until November last year, they bought homes through the "Lin Zheng Plan" and squandered 5.68 million yuan to buy a one-bedroom household in Shau Kei Wan One Eighty! The unit was closed recently, and Zeng Sheng was too full of joy to prepare to move into his new residence, but at the moment he groaned "good regret" ⋯⋯

The "post-90s" Zeng Sheng Zeng did not live together for one year after getting married. It was not until November last year that he bought One Eighty's new home for two. (Photo by Yu Junliang)

Mrs. Zeng was "post-90s". After graduation, he worked for more than 3 years. He had "buried the sunroof" a year ago, and he got married earlier than the average person! However, the two in-laws maintained a "separation" after marriage, neither renting nor buying a house, because "don't want to help someone to provide the house", so after "Lin Cheng Plan" (relaxation of mortgage percentage) came out, they borrowed 90% Get in the car and bought One Eighty's one-bedroom unit for 5.68 million in November last year, with a practical area of ​​only 253 feet and a price of 22,474 yuan per foot.

One Eighty is located at 180 Shaukeiwan Road, close to the MTR station. There are only 57 units in the whole building. (Photo by Yu Junliang)

20,000 Mosquito Feet on Hong Kong Island Building

One Eighty is located at 180 Shaukeiwan Road, adjacent to the MTR station. It is developed by the veteran developer Lin's family. It provides 57 units in a single building and 3 units in one ladder. The smallest starts from 164 feet. The project is not a popular new disk. The Zeng and his wife bought it. Mr. Zeng bluntly said that he and his wife had just been in the Loulou for more than two months, and then they bought the upper address. "Second-hand and HOS flats have been seen, and it is expected to pass the new buildings in Maanshan and Baishijiao, but they are always far from studying and reworking!"

In November last year, Zeng Sheng learned that One Eighty was on sale. Seeing that the price per square foot was more than 20,000 yuan, he bought the Hong Kong Island Building, so he flew into the air. "When I saw the first batch of units launched in the real estate, they were all low-level units from the 6th to the 10th floor. The prices were more attractive. Even if there were no demonstration units, they would try to enter the lottery." Unexpectedly, No. 4 and No. 5 were drawn. I just picked a unit that I could afford and bought the unit "coarsely".

The reporter asked curiously, did you know how the market reacted before buying the property? Mr. Zeng said, "I don't know how to fight hard," Looking through the information, One Eighty oversubscribed 4.6 times in the first batch, and Zeng Sheng and his family have already entered 4 tickets. It is not surprising to see that their family has a certain amount of "water" in the ticket.

Units bought by Zeng Sheng and Zeng Tai were only 253 square feet, at a price of 5.68 million yuan, and they had 90% of the mortgages, which were repaid in 30 years, with a monthly payment of 20,600 yuan. (Photo by Yu Junliang)

Fear of becoming a group of negative assets

As a "Hong Konger", being able to get a career before the age of 30, although there are many sacrifices. The unit bought by Zeng Sheng and Zeng Tai was 5.68 million yuan, the first installment of about 600,000 yuan. Although there was a part of the parental assistance, but with the insurance fee, it still needs to provide about 5.2 million yuan, which is repaid in 30 years, and the monthly payment is 20,600. Yuan, already accounts for about half of the income of the two. Mr. Zeng revealed that half of the income was used for mortgage payments, and the remaining half, of which three-fifths were used for daily expenses, utilities, and other miscellaneous expenses, or only two-fifths could be reserved for savings. "I don't want to go to the store, but I have to live in a place where I am satisfied."

The Zeng couple can be regarded as exhausted "Lin Zheng Plan", just pass the stress test and get on the car. This year, property prices have been corrected. According to the latest property price index of the Department of Difference and Estimates, it was reported at 376 in April, a decrease of about 2.4% compared with November last year. In this regard, Zeng Sheng also said that he was "somewhat surprised" and was afraid of becoming a negative asset.

In addition, although the unit is only 253 feet, it can be said to be "at a glance". After being accepted by senior building inspector Lai Daming (Ming Ge), the total score of 100 points is deducted from 36 points. The waterproofing process is particularly uneven. However, Mr. Zeng sighed "good regret", in addition to the market has better choices, as well as management fees.

8 The mosquito management fee has no facilities

It is reported that One Eighty's management fee per foot is up to more than 8 yuan, for example, the management fee of the 253-foot unit of Zengsheng has reached 2,044 yuan per month! "I don't know (per foot) 8 mosquito management fees, the agency words are usually 4, 5 mosquitoes, our budget is 1,000 mosquitoes, and finally there are more Double!" Zeng Shengzeng described it as being "collapsible" "The club house in the housing estate owes facilities. "If I know that the management fee is expensive, I might not buy it!" He bluntly stated that this was the last factor that made them regret. The management fee is always a long-term expense, and he is more worried about the future management company. Increase the management fee.

The "super high price" management fee for a single building is not new. In the past, it was hailed by the outside world as a "dragon bed tray" and a single building in Tuen Mun. At that time, the management fee of more than 5 mosquitoes was already upsetting the market! However, Jingjun Club’s facilities are not bad, with KTV room, fitness room, yoga room, banquet hall, barbecue platform, etc. However, One Eighty's clubhouse floor is only 1,217 feet. According to the owner and the developer's website, there are only a few sofas and treadmills on the clubhouse floor. It can be seen that the management fee of more than 8 yuan per foot is quite "expensive"!

It is rare to have your own home, but seeing the property market pullback, plus the management fee "unexpected", Mr. Zeng only "boarded" and thought of "get off", "After the SSD (extra stamp duty) is lifted after 3 years, if the income is stable Or you might choose to change the building!"

Click the picture below to watch the inner cage of the unit:

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