居屋開售網民疑團:其實買白居二好定私樓好?

文: U Magazine
2022.03.07

居屋2022開始接受申請,買樓上車始終是人生大事,不少有意申請人士,考慮到自己的財政能力之後,就開始出現很多實際的疑問:其實如果兩者樓價相若的話,究竟買白居二的單位好?還是私樓好呢?大家的想法又如何呢?

有網民在連登討論區提出:「而家啲居屋價錢就嚟追上私樓,如中白居二又值唔值得買?」,引嚟網民熱烈討論。

有網民認為白居二「唔抵」。「唔值,要畀4成首期。」、「果啲天價喎! 剩係平過私樓少少,又未補地價,又係唔抵。」有網民就覺得其實白居二能選擇的屋苑區域,都未必會是好選擇:「4-5 百萬,又要19年以下樓,有得揀嘅意思係咪即係揀元朗定係梅窩?!」,有人回應:「唔嫌細,仲有長沙灣,新浦崗揀!」,有網民就比較私樓同居屋的售後裝修問題:「居屋質素你預全屋要打晒裝修啦!」

不少白居二的售價已經跟私樓相若,有網民認為唔抵買。

有網民認為比起私樓,購入居屋後要花更大筆裝修費。

白居二樓升值潛力高
不過亦有網民覺得白居二都有優點,值得考慮:「如果買19年以下嘅居屋,可做9成,免壓測。相比私樓要壓測,又點睇?」、「白居二全港居屋任揀,睇啱先買,自由好多。」,有網民就將眼光放遠,想到不少白居二屋苑升值潛力高,今日貴賣,日後有機會可以貴賣。「自住就白居二,半新果啲房屋署擔保免壓測,係就係貴啲,你住幾年賣返出去,都係貴買貴賣。」、「屏欣苑過咗三年就貴一倍真的係!」、「貴買貴賣,你將來換樓賣返比白居二,免壓測果啲樓總有價值係度,尤其是市區嗰啲,但係舊果啲就唔建議買。」

天水圍居屋屏欣苑入伙僅三年多,去年底錄得一宗破頂白居二成交個案,一個570呎單位,一手售價約310萬,現以638萬(未補地價)轉手。

有網民以白居二屋苑地理位置選擇多且免壓力測試,以及日後轉手潛力考慮,認為都值得買。

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