think before act

dasasa

<p>&nbsp;save some money first, buying a house with bank loan , the interest u paid actually can afford another house , the longer term (20 , 30 years ), the more u have to pay , not worth it. </p><p>the&nbsp; bank interest rate seems attrative like 3.75%or 4%p.a.</p><p>however the way they calculate the principal and interest u have to pay is another story.</p><p>eg.asking price 550k,you pay 50k and 500k loan from bank , 20or 30 years loan </p><p>Int : 3.75%*500000*20 years or 3.75%*500000*30years </p><p>&nbsp;&nbsp;&nbsp;&nbsp; <font style="BACKGROUND-COLOR: #d52b6f;">=375000&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;=562500&nbsp;&nbsp; <font color="#f7f709"><strong>Interest only</strong> </font></font></p><p>above is only the interest paid over 20 or 30 years </p><p>plus the principal 500k the monthly installment will be </p><p>(375000+500000)/20/12=3645</p><p>(562500+500000)/30/12=2951</p><p>The longer term loan the "less" installment u pany , but actually u pay more in overall.</p><p>That is how the bank make money from us ........</p><p>Buy a property without borrowing from bank is investing , but buy with bank loan is ......."Fang Nu "</p>

双倍牛奶

<font lang="ZH-CN" face="MS Song"><p align="left">说法很对，三年前就听过了。</p><p>但是人的想法不同。</p><p>Life is short.</p><p>How to enjoy current life also important.</p><p>Nobody wanna wait money, but just the time could never stop and wait for us.</p></font>

fanglinsg

<p>呵呵！如果要加上通胀因素的话，楼主的说法就完全似是而非了。现在通胀5.5%是23年来最高了。还会再高的。如果平均只算在4%就好，也只有买了房子会帮你保值你所付出的供楼钱和免付租金。只要你的存钱利息少过贷款利息加通胀，就等于越存钱越亏钱啦。。。。等你帮别人付了三十年屋租养别人的房子后才存够自己的五十万买房时，这房子该涨到100万以上啦。。。。只要是自住有需要，几时量力而为买屋都可以的。。。。</p><p>二十年前，乌节路的独立式洋房还可以25万新币买得到。现在要至少250万了吧？！如果当初花2.5万首付其余贷款供楼，现在你算算划不划算？！二十年前的组屋才几千块钱啊。。。。。现在买50万的屋子，三十年后肯定至少是100万以上啦。。。。</p><p>在新加坡，有本事生财的人都是靠钱生钱为主的。小百姓要想以小钱博大钱，莫过于拿银行的钱来为自己的不动产增值赚钱了。如果有谁能够撑住气握住房产三十年的，一定回报率极高的。只怕许多人还没有握到二十年就已经翻倍脱售房产了。。。。。</p><p>我觉得要看清大势：屋价和股市一样，都是波浪式前进加螺旋式上升的。。。。。</p>[em01][em02][em09][em10]

bluesky77

<p>LZ怎么到处发这个帖。</p><p><a href="http://bbs.sgchinese.com/dispbbs.asp?boardID=194&amp;ID=1199675&amp;page=1">http://bbs.sgchinese.com/dispbbs.asp?boardID=194&amp;ID=1199675&amp;page=1</a></p>[em05]

dasasa

<p>当然买房投资还是股票或别的，都是看财力和能力， 和长短期打算。</p><p>我有一位前辈, he invested in China property market, bought 3 or 4 units in&nbsp;china without borrowing loan from bank and rent out all&nbsp;for higher returns , i asked him why not invest in Singapore, he said Sing 's Propety market is buble and it only can last for max 30 years (cos sing only last prosperous for abt 30 years) and all lease&nbsp;in Sing is not free hold 99, 999 some like "free hold"but govrt will purchase it &nbsp;back&nbsp; if they&nbsp;need it &nbsp;or &nbsp;they have a major project on ur land ...</p><p>He said if&nbsp;buying &nbsp;a reale falt for investment purpose,&nbsp;that is profitable since by the time u sall the house , the lease may only be&nbsp;abt 30 years left, it is not valuable&nbsp;and hard to sell as well.</p><p>anyway&nbsp;its up to people's perference.....&nbsp;</p>