买房是个人理财的最佳产品

bluesky77

<div class="msgheader">QUOTE:</div><div class="msgborder"><b>以下是引用<i>dasasa</i>在2008-3-26 10:49:00的发言：</b><br/>buy house with ur money without borrowing from bank is investing with good returns , but buy with borrowing loan from bank is not so wise cos the interest u paid for 20 or 30 years can actually buy a same house then. it is "fang nu"....</div><p>I dont agree with your statement, buy house with take loan from bank, that means using Other People's money (OPM), it's good to invest with OPM. </p><p>for example, i buy a house with 5%&nbsp;yearly bank loan, however my house&nbsp;value appreciate plus&nbsp;rental income, it gives me&nbsp;10% return&nbsp;yearly. that means i&nbsp;am earing 5% profit every year without using a&nbsp;single cent of my own money. &nbsp;</p>

hwwca

<p>How many people can actually make money with future investment?</p><p>To buy a house with bank loan is a kind of future investment with 5~10 times of leverage.</p><p>To make money is impossible because the house is gernally depreciating with time.</p><p>You only buy something with the best price that you cannot buy on your own.</p><p>Buying a house to live in&nbsp;cannot make money . However, the entry timing and location are very important to save money.</p><p>That's all!</p>

[此贴子已经被作者于2008-3-27 15:47:32编辑过]

FairyHubby

有一点我知道，新加坡HDB以租养房绝对可以，所以也绝对核算。所以说政府才限制HDB的购买啊。投资新加坡的HDB绝对是优质投资。[em04]