馬時亨分享「套樓換定存」!靠1招無風無浪賺5厘息?

文: 梁穎心
2023.10.04

中投公司國際諮詢委員會委員兼富衛集團主席馬時亨在接受本地媒體專訪時表示,作為投資者並不看好樓市,現階段不會投資物業買樓收租。他亦分享「套樓換定存」看法,套現做定存收息及租樓住。

馬時亨指,定期存款「無風無浪」息率仍高達5厘,除非買樓收租回報率有8厘。如果樓盤位置吸引兼有5厘回報,他或許會考慮。馬時亨補充,現時收租有3厘回報已很難得,較現時普遍4至5厘的銀行定存低,形容「買樓投資既話,唔好搞阿叔!」

馬時亨分享朋友「套樓換定存」的看法,指將價值5000萬元的樓賣出套現,並放在銀行收息,每年約有250萬元利息收入,即使一半錢用來租樓,餘下一半仍有過百萬現金。

按照馬時亨的理論計算,每年收息250萬元,一半金額(約125萬元)租樓,平均每月租金大約10萬元。現時港島區以市值租金7萬至逾10萬元,大約可以租用貝沙灣分層單位、大坑名門、跑馬地禮頓山大單位。

來源:HKET、HKET圖片庫

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