Buying a house in Hong Kong has become the new normal. However, there are always exceptions. Jiaxin, a nurse in a public hospital, grew up living in a 300-square-foot public housing unit with his family. There were six times when he was most crowded. Individuals live together.
During her growth period, Jiaxin’s living environment lacked private space, so after graduation, she used seven years to "save money" to deposit a 1 million down installment, and in 2019, she spent nearly 4 million to buy an area in Yuen Long. The open-plan unit of about 238 square feet finally has its own small world.
I hope to "swap the flats" step by step
During the conversation with Jiaxin, I discovered that she is a young man with goals and aspirations for the future.
"Let’s just go into details (current units), but this will be my first step." She revealed that her "10-year plan" is to gradually "swap flats for flats", hoping to change from the current open-plan flats in Yuen Long. Change to a one-bedroom unit in the city in the future.
"The purchase and mortgage payments are all paid out by myself."
"This time, the money for buying a house is all on my own hands and feet, and it took seven years to save it back." This time, he entered the market with nearly 4 million yuan, and the monthly mortgage payment exceeded 12,000 yuan.
Jiaxin pointed out, "I paid for the purchase and mortgage payment by myself, no one helped me! Even if I belong to a real estate company and my friends didn't help me!" She was proud of her success in buying a property without relying on her "father". .
She said that in order to buy a house, her life became frugal, and she tried her best to "do what you should do." "I don't even buy too much cosmetics, and luxury goods are even more uncomfortable." She smiled and pointed out that she had tried to travel in the past. Choose an early flight and train at the airport the night before to save hotel expenses for one night.
"Every girl will have a good handbag, but I want to buy a house, don't buy a bag."
"Save the first capital" and then deploy investment
"I remember that when I graduated, I had an account of two thousand mosquitoes. So I think I'm pretty good, and I've been in the wild for a few years, and I've saved up to 1 million yuan for the first-phase purchase." She revealed that she got on the bus. The road is first to "save the first capital", and then think about how to use the principal for investment. At the beginning of her involvement in society, she knew nothing about investment, so she started with low-risk products first, and then ventured into other investments.
Female nurse Jiaxin pointed out that she often had disputes with her family members who lived with her because of work and rest time issues.
(Photo by Ou Jiale)
Refusing to rent a building to get on the bus and endure disputes with his family
In insisting on buying a property, Jiaxin has its own "difficulties."
She explained that she lived in a 300-square-foot public housing unit with her family since she was a child. During the most crowded period, there were six people living together. When she grew up, her job was to implement a shift system. He went home to rest in the morning, which was completely opposite to his family's work and rest time, which prevented him from taking a good rest.
On the contrary, sometimes it is necessary to "return to early watch". She wakes up at 5 o'clock in the morning to freshen up and disturbs her family. She frankly admits that she often has frictions and disputes with her family.
Facing the "difficulty of living together," many people would consider moving out first and renting a flat, but Jiaxin chose to endure for a few years, "I rent a flat is like helping others to mortgage the flat, so I don't want it." Such as many. The mentality of the people on the car is the same, saving rental expenses is to speed up saving money and achieve the goal of getting on the car.
Inadvertently scolded more than 10 million female lawyers to purchase Jordan House, she used up her savings for ten years, and she “has to save from the head” by stocks and savings to make up the first installment, but in case of an epidemic, the fitness trainer: don’t want to rely on the housing company to inspect the building ｜Ma Tau Kok Pingshang One Room gets 86 points for paving bricks
