咨询：如果买组屋是贷款？还是一次付清好呢？谢谢

kaixin666

<P>打算买三房式组屋，价格１５万左右，不知道是一次付清好？还是慢慢用CPF还好？谢谢</P>
<P>如果贷款，要还多少？</P>

rottnests

<P 0in 0in 0pt"><FONT face=Arial>It depends on your opportunity cost of capital, if you can invest the surplus cash with a better rate of return (e.g. shares or business) as compared to the rate of borrowing, u shall make repayment by CPF installment.   </FONT></P>However, if you are risk-adverse, or do not know how to spell the word “investment” and have not heard of anything other fixed deposits, it will be advisable to pay off the lump sum

dimvar

同意楼上.不同的假设就有不同的答案.

fanglinsg

<P>如果我是楼主，大概会考虑贷款买四房室组屋．约２４万．租出一间４００＄用租金来付贷款月额，余二间自住（相等于以前要付出８００＄租金现在不必还了）．</P>
<P>五年后可以再提升买私人屋，并申请组屋整间合法出租（１０００＄每月可以用来养付私人屋贷款）．那时就有二个房子了．财务可以充足应付日子也不会过得很累．</P>
<P>这个帖子我帮你移去投资理财新版去了．</P>[em02][em07]

[此贴子已经被作者于2006-2-16 10:02:29编辑过]

春晚123

楼主，哪里有这么便宜的组屋，告诉俺下，俺好去。。。先租来住住。