TVB節目《我要做業主》最新一集訪問了34歲的男士Andy,他出身自公屋基層,不過他一直有置業的目標,於是早幾年說服父母主動放棄公屋戶籍,用50萬元首期買入320萬的舊樓單位,踏出第一步。
Andy的實現置業夢源於受一位同事而受啟發,他任職餐飲業,當時遇到一位散工同事,對方表現很好,但一直不願由散工轉正職,原因是他不想因入息限制,為保公司申請的最高入息資格,放棄了長工的收入,為了輪候公屋。不過一做散工便做了五、六年,仍未輪到一間公屋。這位同事令Andy覺得如果這段時間願意努力工作的話,到40歲所得的一定不是只得公屋。
於是Andy主動放棄公屋戶籍,用了50萬首期買了當時價值320萬的市區單棟舊樓單位。後來Andy幾年後將物業轉手賣出時,已經賺取到約200萬利潤,於是再套現換樓,以近600萬買入近400呎的市區的三房半新樓,付妥首期之後,剩餘的錢再作投資之用。而他置業之後,剛巧家人抽中居屋,正當父母猶豫之際,Andy說服他們放棄公屋,他說:「我有物業啫,但我細佬未有,於是把心一橫,加上幸運地又抽到居屋。」後來Andy更決定由他支付首期,以父親名義買入居屋。其餘的數萬元,就由Andy在大灣區購入50多萬的內地物業收租,租金約2000元,回報率達5厘。Andy一家由公屋戶變為三個私人物業的業主。
因為Andy與父母講好不用兩老負責任何供款,所以他們才願意放棄公屋,Andy又表示抽居屋有小技巧,他不鼓勵用聯名去抽籤,否則會浪費一個人名,日後要購置物業時,可能要再多付稅項。同時他又認為用綠表申請又比較容易,而且享有更多按揭優惠,有機會高達九成半。
圖:《我要做業主》截圖
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【🎁免費送】HIZERO 輕量級F300潔地機!
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