【我要做業主】19年港姐蔡嘉欣嘆藝人收入不穩買樓難過壓測 網民直言:你啲手袋夠俾首期

文: Ling Kwok
2020.09.15

TVB節目《我要做業主》除了請來成功上車人士分享置業心得外,亦有邀請有意上車的藝人大講儲錢心路歷程。最新一集請來了兩位港姐蔡嘉欣及張秀文,兩人均大嘆上車真是難,因為藝人收入確實不穩定。

19年的港姐蔡嘉欣雖然本來已是一名KOL,現時與家姐租屋住,但她仍有一個置業夢。可是她就覺得上車好困難,就算現時按揭放寬了,800萬以下物業可做9成,她卻不想為上樓而負債,仍默默地儲錢。因為她覺得按揭放寬幫助不大:「自己攞一成出嚟,九成按揭我會覺得好大壓力,真係要買我寧願做嘢努力啲,做多幾年儲多啲個首期,啲人覺得藝人好容易買樓,其實表面風光,收入好唔穩定,好難通過銀行壓力測試。我都唔想儲到一生,之後人生背負住9成債務,會好攰。」

不過有網民就認為,蔡嘉欣嘆自己難買到樓,可能是她愛買名牌所致,因她早前拍了一段vlog,見她家中衣櫃滿是名牌手袋,直言兩大櫃名牌袋加起來都能夠付首期。不過她亦補充指,大部分手袋都是屬於家姐的。

另一位港姐張秀文同樣講到自己一直未有機會上車,她入行多年來租過唐樓、村屋及私人屋苑等,直到三年前萌生置業計劃,但覺得未必負擔到上車盤,因她覺得自己儲錢好慢:「搵嘅錢到使嘅錢會差唔多,真係好難儲,就算一年儲到十萬、廿萬,擺吓擺吓都係得十零廿萬。」她同樣覺得藝人收入過唔到個壓力測試,想過有兩個選擇:「一係結婚同另一半合力,一係買細啲嘅單位租畀人,收返嚟嘅租金覆蓋到我供樓嘅錢,成日聽人講細樓換大樓就容易好多。」

圖:IG@蔡嘉欣、張秀文
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