【我要做業主】28歲港男看準時機入市上車 全靠三大招數 一年內一層樓變三層

文: Ling Kwok
2020.08.03

TVB節目《我要做業主》除了找來明星分享自己的置業心得外,還有真實個案業主分享自己趁機入市的心得,其中一位28歲的年輕人短短一年內,由一層樓變三層樓,他所用的招數,連專家都讚好。

TVB節目《我要做業主》中其中一個真實個案,就是28歲的阿Ken,本來與家人同住港島一個單位。而結婚之後就與太太租樓住,不過發現租樓實在太貴,所以就與家人開始商量上車大計。

而阿Ken於2018年尾,以手上幾十萬的首期,再用父親的名字購入土瓜灣新樓。後來去年特首林鄭月娥宣布放寬按保800萬樓可借九成的措施,阿Ken就認為措施推行之後樓價就會上升,於是再次萌生置業的念頭。剛巧看到位於大圍的金獅花園有個筍盤,一個266呎的兩房單位,他說:「平時成交都要430-450萬,但竟然淨係要390萬。」阿Ken心急到即刻準備支票叫中介送到身在內地的業主手上,「因為業主喺內地可能仲未收到林鄭Plan嘅消息,就快刀斬亂麻。」

除了有足夠資金及決斷力,他最後一招還是要靠「父幹」,本來在港島的單位快要供完,於是他將單位加按套現再買多一層,他說:「咁低息嘅環境唔借出嚟去靈活運用個資金就好嘥。」而他亦有詳細向家人解釋整個計劃的風險,更承諾其供款都由他負責,更買了人壽保險,將受益人的名字寫上父母姓名,給予父母一個保障。其後專家亦大讚阿Ken有膽識,懂得投機。 

圖:《我要做業主》

 

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