【房屋】说一下enbloc的公寓。

cj654123

报纸上天天说的未来三年有3万套新公寓（多数是enbloc的）建好。
<br/><br/>但大家有没有想到同一时间里可能有1万多套公寓已经被拆掉了（143个enbloc项目）。
<br/><br/>enbloc的意义就在于把100人住的地方住200人。
<br/><br/>所以实际上新公寓没有增加那么多，一万多套就是到顶了。
<br/><br/>那么发展商为什么这么愿意enbloc呐，原因很简单，政府划出来的新的地块太贵太偏，又都是99年的，发展商都是向钱看的，冒险的事实不会干的。
<br/><br/>这几年的enbloc后，新的999年和永久地段的地段将空前缺少，房价走低我看是不太可能的了。<br/><br/><br/><br/>

martin1983

deng zhe bei pai zhuan

四月末

<p>我想借着楼主的这个话题发表一下自己的看法。</p>
<p>投资公寓的时候很多人会倾向永久地契，其实按照新加坡的国情和建筑用地面积来讲，我认为非永久地契的楼盘更有价值：</p>
<p>&nbsp;</p>
<p>以下的假设是按照通常人们的居住习惯，和假设的稳定银行汇率而计算的：</p>
<p>&nbsp;</p>
<p>&nbsp;</p>
<p>
<table style="WIDTH: 370pt; BORDER-COLLAPSE: collapse" cellspacing="0" cellpadding="0" width="493" border="0" x:str>
<colgroup>
<col style="WIDTH: 225pt; mso-width-source: userset; mso-width-alt: 10971" width="300">
<col style="WIDTH: 80pt; mso-width-source: userset; mso-width-alt: 3913" width="107">
<col style="WIDTH: 65pt; mso-width-source: userset; mso-width-alt: 3145" width="86">
<tbody>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl28" style="WIDTH: 225pt; HEIGHT: 12.75pt" width="300" height="17">&nbsp;</td>
<td class="xl40" style="BORDER-LEFT: medium="medium"  none; WIDTH: 80pt" width="107">Leasehold</td>
<td class="xl41" style="BORDER-LEFT: medium="medium"  none; WIDTH: 65pt" width="86">Freehold</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Price(Same location)</td>
<td class="xl23" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="800000">$800,000 </td>
<td class="xl30" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="1000000">$1,000,000 </td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Initial Cash Payment</td>
<td class="xl23" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="80000">$80,000 </td>
<td class="xl30" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="100000">$100,000 </td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17" x:str="Extra Saving="Saving"  ">Extra Saving </td>
<td class="xl23" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="20000">$20,000 </td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Loan Amt</td>
<td class="xl23" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="720000">$720,000 </td>
<td class="xl30" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="900000">$900,000 </td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Loan Period</td>
<td class="xl22" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">30 yrs</td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">30 yrs</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Monthly Instalment</td>
<td class="xl24" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="3035.55">$3,035.55 </td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">$4.216.04</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Extra Saving every month</td>
<td class="xl24" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="1180.49">$1,180.49 </td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Total Savings in 7 years ($20000+$99161.16)</td>
<td class="xl25" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="119161.16">$119,161.16 </td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">&nbsp;</td>
<td class="xl22" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl32" style="BORDER-RIGHT: black="black"  1pt="1pt"  solid; HEIGHT: 12.75pt" colspan="3" height="17">If you sell after 7 years</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Interest paid</td>
<td class="xl24" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="139657.60000000001">$139,657.60 </td>
<td class="xl34" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="193968.39">$193,968.39 </td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Savings in interest paid</td>
<td class="xl24" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="54310.79">$54,310.79 </td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Principle sum to repay</td>
<td class="xl25" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="604671.48">$604,671.48 </td>
<td class="xl35" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="839821.5">$839,821.50 </td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">&nbsp;</td>
<td class="xl22" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td>
<td class="xl31" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl32" style="BORDER-RIGHT: black="black"  1pt="1pt"  solid; HEIGHT: 12.75pt" colspan="3" height="17">If you leased out your unit for the last 7 years</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Est. return on investment</td>
<td class="xl27" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="00.05">5%</td>
<td class="xl36" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="00.03">3%</td></tr>
<tr style="HEIGHT: 12.75pt" height="17">
<td class="xl29" style="BORDER-TOP: medium="medium"  none; HEIGHT: 12.75pt" height="17">Total Return on investment</td>
<td class="xl27" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="00.35">35%</td>
<td class="xl36" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="00.21">21%</td></tr>
<tr style="HEIGHT: 13.5pt" height="18">
<td class="xl37" style="BORDER-TOP: medium="medium"  none; HEIGHT: 13.5pt" height="18">Total Gains on return</td>
<td class="xl38" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none" x:num="00.14">14%</td>
<td class="xl39" style="BORDER-TOP: medium="medium"  none; BORDER-LEFT: medium="medium"  none">&nbsp;</td></tr></tbody></table></p>

cj654123

99年和永久地契的区别就是：<br/><br/>30年后（房价没涨跌）<br/>99年的从80万掉到50万。<br/>永久的从100万掉到95万。<br/><br/>要是房市下跌的话，永久的抗跌性强。<br/><br/><br/>