港樓投資價值大降

香港樓市擁有不死的特性,但是筆者開始認為投資價值大降,未來五年面對太多不利因素,利率方面,由於銀行結餘資金充足,暫時不會加息,而且HIBOR按揭有鎖息,只要通過壓力測試,正常辛苦點,也會供得起,只不過是新買家要承受更高息率,需求會減弱,但只要自住便沒有大問題。

移民潮谷高二手供應

另一個需求下降,來自移民增加,已經有三十幾萬人口在BNO Visa出現之後流出香港,點都唔可以話低,參考1997前的移民潮,每年都有一定數量的人搬走,早期可能快,中段放慢,直至1997年又再次加快,今次BNO移民沒有一個限期,但是大部份人心中可能在五年內起行,這段時間的二手樓供應相信會增加。

每年都有一定數量的人搬走

最後一個因素,是新特首上任,增加樓市供應,題目講了很多年,每個特首參選者都講,亦到最後大家生活如常,但是今屆政府棄用AO,改為紀律部隊,相信主要是服從,假如以結果為本,令樓市供應增加,雖然主要為公營房屋,但亦會減低私樓的需求,綜合上面三個因素,香港樓市要複製過去20年的升幅,非常唔容易,筆者建議自用之外,投資注碼應該降低。

題目講了很多年

令樓市供應增加,雖然主要為公營房屋,但亦會減低私樓的需求,綜合上面三個因素,香港樓市要複製過去20年的升幅,非常唔容易,筆者建議自用之外,投資注碼應該降低。

Insta Fashion

由於內地通關無期,香港逼於外資壓力,宣佈解封海外飛來香港航班,同時對市面進行解封,香港雖然沒有真正封城,但是長期限制各類經濟及休閑活動,已經超過一個季度,對心理的影響極大,難怪越來越多人會移民。

Discover

Sponsor

spot_imgspot_img

Latest

How former TV producer developed a social media empire

His wherein male land form. Own whose they're gathered is let male kind from. A you'll life waters evening fly female won't all move...

Photographer snaps gorgeous photos in nature

His wherein male land form. Own whose they're gathered is let male kind from. A you'll life waters evening fly female won't all move...

How to successfully execute influencer strategies

His wherein male land form. Own whose they're gathered is let male kind from. A you'll life waters evening fly female won't all move...

Two girls turned Instagram into a full time job

His wherein male land form. Own whose they're gathered is let male kind from. A you'll life waters evening fly female won't all move...

Classic bathroom with wood furniture and window side bath tub

His wherein male land form. Own whose they're gathered is let male kind from. A you'll life waters evening fly female won't all move...