- Joined
- Feb 20, 2010
- Messages
- 2,818
- Points
- 48
https://hk.news.yahoo.com/樓奴-物理治療師要靠父母上車-嘆供樓不快樂-買完後就食屎-000000081.html
【樓奴】物理治療師要靠父母上車 嘆供樓不快樂：買完後就食屎！
香港01
800 人追蹤
香港01
2018年11月6日 下午3:30
1 / 1
【樓奴】物理治療師要靠父母上車 嘆供樓不快樂：買完後就食屎！
香港擁有一大片石屎森林，但港人要在廣袤之間尋方寸立身之所，難度堪比登天。房屋置業階梯已朽，幾百萬人在「樓海」中艱苦尋覓安身之所，劏房戶等公屋、租戶等買樓、業主等供完樓，「樓奴」都在等一個改變命運的機會。
靠父母幹上車，是否真的等於「人生勝利組」？ 物理治療師RT未夠30歲已成為業主，擁有價值千萬的單位，但他卻無半點喜悅。他表示，供樓、家用已佔去每月收入約九成，甚至令他要「犧牲」興趣。供樓負擔重，自己亦不是「金龜」，「我係買完樓之後就食屎！」
在荃灣海濱聳立着一排又一排的新樓，其中一個向海單位正是RT的新居。28歲已經成為業主，RT是社會大眾口中的「人生勝利組」。這個三房海景單位由他一人獨住，樓價約960萬元，晉身有樓一族對RT而言，喜悅不多：
RT：退休前只剩下3年時間儲錢
去年RT靠父母的退休金，成功買下一個荃灣西新盤「上車」，首期約500萬元。RT說，當初父母本著「買磚頭最穩陣」的道理，令他「半逼半自願」地踏上業主路。成為業主後，不少人前來恭賀，但他卻說：「壓力來源，係你知道自己將來要供款30年，我唔知自己會唔會有咩冬瓜豆腐……我要保持現時（財政）狀態到57歲，我先會甩難，但我到時候只係啱啱供完樓，退休前只剩下3年時間儲錢，到時都唔知儲到啲咩。」
RT說，自己月入大約4萬元，但供樓連家用，未計三餐交通，已佔收入約九成，每月只剩下3,000多元可用。他笑言，幸好自己生活從不奢華，影響才不算大。不過，他收樓時首次見到「實物」，不諱言單位比想像中細，「真係又貴又細。」
生活與結他只能二擇一
不少香港人窮一生只為一層樓，但RT卻志不在此：
RT一直醉心音樂及運動，閒時會與朋友「夾Band」，對樂器有一定要求，有隊友更曾買入一支逾萬元結他，並為它戲謔改名為「首期」。見到心儀樂器，RT的確會心動，但做了業主後只能「忍手」，因為他選擇了「真首期」，將興趣的花費都改放在磚頭。
買樓似街市 慢一秒冇得揀
樓市瘋狂，相信香港人不會反對。RT回想買樓當日情景，仍心有餘悸，「原本想買兩房單位，但揀樓嗰陣話售罄。」
他形容當時感覺「震撼」，人人爭先恐後。「好似去咗街市咁，遲一秒決定就隨時冇得揀。」他最後考慮工資增長及負擔能力，決定轉為買入三房單位，較預算的800萬多出近200萬。
一個人供樓：「我都知好離地。」
對置業不以為然的他，最後卻要參與其中。他慨嘆在香港若不及早置業，只能眼看樓價一直升，「遲早都要住，我呢一刻唔諗，過多五年一樣要諗，除非我唔結婚唔生仔，如果我呢一刻唔打算，咁到時點算？」
在現時的樓市，年輕人可以買樓、自己一個人供樓，RT都說覺得聽起來「離地」。他又說，自己任職物理治療師月入約4萬元，若沒有父母幫忙，肯定難以負擔樓價，「我呢一類人，已經叫做專業人士……香港入息中位數係1.8萬元，我係佢哋兩倍有多，但我自己一個都儲唔到首期，咁其他人點算？」
點擊瀏覽《香港01》更多內容和圖集
[Building slaves] physiotherapists should rely on their parents to get on the bus. Sighing for the building is not happy: buy it after eating!
[Hong Kong 01]
Hong Kong 01
800 people tracking
Hong Kong 01
November 6, 2018, 3:30 PM
[Building slaves] physiotherapists should rely on their parents to get on the bus. Sighing for the building is not happy: buy it after eating!
1 / 1
[Building slaves] physiotherapists should rely on their parents to get on the bus. Sighing for the building is not happy: buy it after eating!
Hong Kong has a large sarcophagus forest, but it is more difficult for Hong Kong people to find a place to stand in the distance between the vast and the vast. The home ownership ladder has been ruined. Millions of people have been searching for shelter in the "Land of the Sea". Public housing, tenants and other public housing, tenants, etc. have bought the building and the owners have completed the building. "Building slaves" are waiting to change their destiny. Opportunity.
Is it really equal to the "victory victory group" by relying on parents to get on the bus? The physiotherapist RT is not enough for the age of 30 to become the owner, and has a unit worth tens of millions, but he is not a little bit pleased. He said that mortgages and households have taken up about 90% of their monthly income, and even made him "sacrifice" interest. The burden on the building is heavy. I am not a "gold turtle". "I will eat after I buy the building!"
In the waterfront of the Tsuen Wan, there are rows of new buildings, one of which is the new home of RT. At the age of 28, he has become a landlord, and RT is the "victory group of life" in the public. This three-bedroom sea view unit is occupied by him alone. The price of the building is about 9.6 million yuan.
RT: Only 3 years before I retire to save money
Last year, RT relied on the parents' pension to successfully buy a "new car" in Tsuen Wan West. The first phase was about $5 million. RT said that the parents had the principle of "buying the bricks the most stable", which made him "successfully and semi-voluntarily" to step onto the owner's road. After becoming a landlord, many people came to congratulate, but he said: "The source of stress is that you know that you will have to contribute for 30 years. I know that I will have a winter melon tofu... I want to maintain the current (financial) status. At the age of 57, I will be martyrdom first, but when I arrived, I only had to pay for the building. Before I retire, I only had three years to save money.
RT said that he had a monthly income of about 40,000 yuan, but the building was connected to the household. He did not count the three meals, which accounted for about 90% of the income. Only 3,000 yuan was available per month. He smiled, but fortunately his life is never luxurious, the impact is not big. However, when he closed the building, he saw "the real thing" for the first time. It is not a rumor that the unit is more detailed than the imagination. "The truth is expensive and fine."
Life and guitar can only choose one
Many Hong Kong people are only one floor for a poor life, but RT is not here:
RT has always been fascinated by music and sports. When you are free, you will "clip" with your friends. There are certain requirements for musical instruments. Some teammates have bought more than one million yuan and changed their name to "first phase". When I saw the favorite instrument, RT did have a heartbeat, but after I became a landlord, I could only "bear", because he chose "the first phase" and changed the cost of interest to the bricks.
Buying a building like a market, slowing down for one second
The property market is crazy, I believe Hong Kong people will not oppose it. Looking back at the scene of buying a building on RT, RT still has a lingering fear. "I originally wanted to buy a two-bedroom unit, but I was sold out after picking up the building."
He described it as "shocking" at the time, and everyone was scrambling. "It’s like going to the market. I decided to pick it up at any time after a second decision." He finally considered the salary increase and affordability, and decided to switch to buying a three-bedroom unit, nearly 2 million more than the budget of 8 million.
One person for the building: "I know how to leave the ground."
He is not convinced of his home ownership, but he has to participate in it. He lamented that if you don't buy an early home in Hong Kong, you can only watch the property prices rise. "I will live sooner or later. I will be jealous for a moment, and I will be ashamed for more than five years, unless I am married and have a baby, if I am planning for a moment." , when is it time to count?"
In the current property market, young people can buy flats and provide their own flats. RT says it sounds like "off the ground." He also said that his physiotherapist has a monthly income of about 40,000 yuan. Without the help of his parents, it is certainly difficult to afford the property price. "I am a type of person, already called a professional... The median income of Hong Kong is 18,000 yuan. I have more than twice as many channels, but I have saved one of them in the first period, and others have counted it?"
Click to browse more of Hong Kong 01 and Atlas
【樓奴】物理治療師要靠父母上車 嘆供樓不快樂：買完後就食屎！
香港01
800 人追蹤
香港01
2018年11月6日 下午3:30
1 / 1
【樓奴】物理治療師要靠父母上車 嘆供樓不快樂：買完後就食屎！
香港擁有一大片石屎森林，但港人要在廣袤之間尋方寸立身之所，難度堪比登天。房屋置業階梯已朽，幾百萬人在「樓海」中艱苦尋覓安身之所，劏房戶等公屋、租戶等買樓、業主等供完樓，「樓奴」都在等一個改變命運的機會。
靠父母幹上車，是否真的等於「人生勝利組」？ 物理治療師RT未夠30歲已成為業主，擁有價值千萬的單位，但他卻無半點喜悅。他表示，供樓、家用已佔去每月收入約九成，甚至令他要「犧牲」興趣。供樓負擔重，自己亦不是「金龜」，「我係買完樓之後就食屎！」
在荃灣海濱聳立着一排又一排的新樓，其中一個向海單位正是RT的新居。28歲已經成為業主，RT是社會大眾口中的「人生勝利組」。這個三房海景單位由他一人獨住，樓價約960萬元，晉身有樓一族對RT而言，喜悅不多：
RT：退休前只剩下3年時間儲錢
去年RT靠父母的退休金，成功買下一個荃灣西新盤「上車」，首期約500萬元。RT說，當初父母本著「買磚頭最穩陣」的道理，令他「半逼半自願」地踏上業主路。成為業主後，不少人前來恭賀，但他卻說：「壓力來源，係你知道自己將來要供款30年，我唔知自己會唔會有咩冬瓜豆腐……我要保持現時（財政）狀態到57歲，我先會甩難，但我到時候只係啱啱供完樓，退休前只剩下3年時間儲錢，到時都唔知儲到啲咩。」
RT說，自己月入大約4萬元，但供樓連家用，未計三餐交通，已佔收入約九成，每月只剩下3,000多元可用。他笑言，幸好自己生活從不奢華，影響才不算大。不過，他收樓時首次見到「實物」，不諱言單位比想像中細，「真係又貴又細。」
生活與結他只能二擇一
不少香港人窮一生只為一層樓，但RT卻志不在此：
RT一直醉心音樂及運動，閒時會與朋友「夾Band」，對樂器有一定要求，有隊友更曾買入一支逾萬元結他，並為它戲謔改名為「首期」。見到心儀樂器，RT的確會心動，但做了業主後只能「忍手」，因為他選擇了「真首期」，將興趣的花費都改放在磚頭。
買樓似街市 慢一秒冇得揀
樓市瘋狂，相信香港人不會反對。RT回想買樓當日情景，仍心有餘悸，「原本想買兩房單位，但揀樓嗰陣話售罄。」
他形容當時感覺「震撼」，人人爭先恐後。「好似去咗街市咁，遲一秒決定就隨時冇得揀。」他最後考慮工資增長及負擔能力，決定轉為買入三房單位，較預算的800萬多出近200萬。
一個人供樓：「我都知好離地。」
對置業不以為然的他，最後卻要參與其中。他慨嘆在香港若不及早置業，只能眼看樓價一直升，「遲早都要住，我呢一刻唔諗，過多五年一樣要諗，除非我唔結婚唔生仔，如果我呢一刻唔打算，咁到時點算？」
在現時的樓市，年輕人可以買樓、自己一個人供樓，RT都說覺得聽起來「離地」。他又說，自己任職物理治療師月入約4萬元，若沒有父母幫忙，肯定難以負擔樓價，「我呢一類人，已經叫做專業人士……香港入息中位數係1.8萬元，我係佢哋兩倍有多，但我自己一個都儲唔到首期，咁其他人點算？」
點擊瀏覽《香港01》更多內容和圖集
[Building slaves] physiotherapists should rely on their parents to get on the bus. Sighing for the building is not happy: buy it after eating!
[Hong Kong 01]
Hong Kong 01
800 people tracking
Hong Kong 01
November 6, 2018, 3:30 PM
[Building slaves] physiotherapists should rely on their parents to get on the bus. Sighing for the building is not happy: buy it after eating!
1 / 1
[Building slaves] physiotherapists should rely on their parents to get on the bus. Sighing for the building is not happy: buy it after eating!
Hong Kong has a large sarcophagus forest, but it is more difficult for Hong Kong people to find a place to stand in the distance between the vast and the vast. The home ownership ladder has been ruined. Millions of people have been searching for shelter in the "Land of the Sea". Public housing, tenants and other public housing, tenants, etc. have bought the building and the owners have completed the building. "Building slaves" are waiting to change their destiny. Opportunity.
Is it really equal to the "victory victory group" by relying on parents to get on the bus? The physiotherapist RT is not enough for the age of 30 to become the owner, and has a unit worth tens of millions, but he is not a little bit pleased. He said that mortgages and households have taken up about 90% of their monthly income, and even made him "sacrifice" interest. The burden on the building is heavy. I am not a "gold turtle". "I will eat after I buy the building!"
In the waterfront of the Tsuen Wan, there are rows of new buildings, one of which is the new home of RT. At the age of 28, he has become a landlord, and RT is the "victory group of life" in the public. This three-bedroom sea view unit is occupied by him alone. The price of the building is about 9.6 million yuan.
RT: Only 3 years before I retire to save money
Last year, RT relied on the parents' pension to successfully buy a "new car" in Tsuen Wan West. The first phase was about $5 million. RT said that the parents had the principle of "buying the bricks the most stable", which made him "successfully and semi-voluntarily" to step onto the owner's road. After becoming a landlord, many people came to congratulate, but he said: "The source of stress is that you know that you will have to contribute for 30 years. I know that I will have a winter melon tofu... I want to maintain the current (financial) status. At the age of 57, I will be martyrdom first, but when I arrived, I only had to pay for the building. Before I retire, I only had three years to save money.
RT said that he had a monthly income of about 40,000 yuan, but the building was connected to the household. He did not count the three meals, which accounted for about 90% of the income. Only 3,000 yuan was available per month. He smiled, but fortunately his life is never luxurious, the impact is not big. However, when he closed the building, he saw "the real thing" for the first time. It is not a rumor that the unit is more detailed than the imagination. "The truth is expensive and fine."
Life and guitar can only choose one
Many Hong Kong people are only one floor for a poor life, but RT is not here:
RT has always been fascinated by music and sports. When you are free, you will "clip" with your friends. There are certain requirements for musical instruments. Some teammates have bought more than one million yuan and changed their name to "first phase". When I saw the favorite instrument, RT did have a heartbeat, but after I became a landlord, I could only "bear", because he chose "the first phase" and changed the cost of interest to the bricks.
Buying a building like a market, slowing down for one second
The property market is crazy, I believe Hong Kong people will not oppose it. Looking back at the scene of buying a building on RT, RT still has a lingering fear. "I originally wanted to buy a two-bedroom unit, but I was sold out after picking up the building."
He described it as "shocking" at the time, and everyone was scrambling. "It’s like going to the market. I decided to pick it up at any time after a second decision." He finally considered the salary increase and affordability, and decided to switch to buying a three-bedroom unit, nearly 2 million more than the budget of 8 million.
One person for the building: "I know how to leave the ground."
He is not convinced of his home ownership, but he has to participate in it. He lamented that if you don't buy an early home in Hong Kong, you can only watch the property prices rise. "I will live sooner or later. I will be jealous for a moment, and I will be ashamed for more than five years, unless I am married and have a baby, if I am planning for a moment." , when is it time to count?"
In the current property market, young people can buy flats and provide their own flats. RT says it sounds like "off the ground." He also said that his physiotherapist has a monthly income of about 40,000 yuan. Without the help of his parents, it is certainly difficult to afford the property price. "I am a type of person, already called a professional... The median income of Hong Kong is 18,000 yuan. I have more than twice as many channels, but I have saved one of them in the first period, and others have counted it?"
Click to browse more of Hong Kong 01 and Atlas
