About Buying A House in Hong Kong… | (搬屋vlog)香港租樓會後悔一生？沒父幹的年青人買樓只有一個方法 !
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- Опубликовано: 21 авг 2024
- “Don’t be addicted to money. Work to learn, don’t work for money. Work for knowledge.” - Robert Kiyosaki
GG made a very detailed video about our move: • 10th time moving 🏠in H...
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不是自私不公開自己的投資Portfolio, 怕觀眾跟著買輸錢 ....但你們想看嗎?
I have always been very skeptical about sharing my investment portfolio, I am scared that some people will follow and might get burnt!
想。强烈申明只供参考作用够瓜 🤣
真心考想睇。。
pls do thattt!!!
超想睇
willing to see, I guess you are better than anyone else in HK boz of your honest
Hong Kong needs more RUclipsr who spread positivity along with knowledge like you.
Absolutely. I already saw HK people hating on his GF's channel for daring to be happy when they themselves are unhappy. They have been feeding themselves so much negative energy that it is the only thing that they feel is appropriate anymore. HK's culture needs to change to be more positive (people are proud of HK for being a "complaining" society), or HK will be left behind.
喜歡托哥此類跟人生大事有關的影片
@Hagenes Kohler 你有病呀
支持你，拍返最初吸引大家睇你嘅初心，近年見你太多因為收廣告費而拍嘅video,睇返你當初驚喜南非之旅探女友，而且見返舊同學全部都係有愛有意思！而家間屋仲好過以前都唔錯呀！Congratulations.
GG’s mandarin is so cuteeee 🤣😂sending her love from Syd 🇦🇺
thanks, hope we can visit one day!!
@@torrespit666 comeeeeee 雪梨fans meeting😆😆😆
I'm from Sydney too! 😎
@@samxyh95 haloooo 🤓
托哥的煲冬瓜是什麼級
雖然無得旅行 但托哥d片依然高水準+有新意+有意思～ 好勁呀！like爆
Love this type of videos by Torres. As a Senior in college, I really need to think about living before I jump into the society after my grad next May lol. Anyway, thank you Torres
樓升值的原因是鈔票會越來越多。這在你的租金上也有反映。買樓的好處：可以借80%錢，你只需付20%就可以有100%投資的效果，輸了就cut lost，你如何輸？股票的話，銀行不會和你一起瘋，你一輸就是100% exposure，而且你要20年都不輸（巴菲特：投資的重點是不要輸錢，因為賺5%再輸5%你是輸的，1*1.05*0.95=0.9975）
通常股票浮動盈虧很大，例如1*1.2*0.8=0.96，升跌20%一次，你已經損失4%，實際的波動比這恐佈
楼价升高需要两个因素，印钞，货币超发是一个，还有一个就是人口净流入，以前香港都是人来钱来
teng yu 當然有很多，香港的土地非常少，建造工人成本也非常貴（現在沙石混凝土也非常貴
@@kingyuenmok5474 土地有很多，问题在土地制度，很多制度交织在一起，产生了现在的困局
GG普通话很好了！拖哥是时候教他粤语咯
love that GG handled everything with Mandarin😂
香港買樓講升值係唔抵，不過至少保值。有樓的情況下，再租樓係一個唔錯嘅選擇😄
租金回報平均最高２%, 你用房地產投資比較投資回報既角度好好, 所有投資其實都是上車, 不過自住真係為左安居樂業, 為的好多係為了下一代, 期待你分享多D 投資理念, n of course ur portfolio ~and ur new flat's room tour HAHA
As always, work harder when you are young and energetic. Enjoy the harvest when growing older.
看托哥去买菜路上！woc他怎么可以逆行！！
一秒过后意识到香港是靠左行驶😂
@@Frank-qe1lh nice to meet u, my name is Concealment, from China
If Torres posts 1 video everyday or every other day, you will be able to buy a House with your RUclips earnings 👏😁👍
3:35 Torres is 25?!! so young lol 雖然之前影片裡就有透露年齡，但再一次看到還是會嚇一跳。
i think the price of property will fall soon - some of the flats that were meant to be leased out aren't getting the customers they need to pay off the mortgages and expats are expected to leave HK in droves with hK's current situation. Other flats will be sold off by mainlanders to fill the debt they created with their PRC businesses for the past 10 years.
Your new home is very near from my HK home! Hopefully I could run into you and GG when I'm back to HK! (If you two are still living there by the time I come back) Tell GG that she's stunning and I can't wait to tell her in person! :)
買樓守恆法則
有樓有樓
無樓無樓
有樓可以變無樓
無樓好難變有樓
by Nikola Tesla
聽君一席話如聽一席話
子華講架
Torries，好鍾意你既片，最初到宜家，發現你好多時睇落都幾疲倦，希望你工作出片同時都可以健健康康，搵劉醫師調理下😂.
This one is so hong kong. 10M and 30 years is a scary commitment for me now. I sold my house for 10M last year and now rents a 180sqm flat. The 10M now goes to the bank and the interests pays the rent. All my income is now all of a sudden disposal income. I plan to invest on something later next year when the economy gets better. If I fail, I will go to a tier 3 city and buy a 500K house there and retire.
BTW, it's crazy, it's mid-level wanchai, insane achievement for Torres as a Hong Kong RUclipsr
Common rents more or less the same as Kowloon la! More expensive to own a car than the flat itself..
@@TubeRobRoy Yeah but according to the video, Torres bought the place. Owning a flat in HK is no small feat.
@@canto_v12 Ohh I missed out on that part
@@canto_v12 I thought he said he will need to save up so he can buy a place in the future?
@@canto_v12 You didn't even watch the video. He never said he bought the place. He's complaining about having to rent and move every year because he doesn't have enough money saved up yet.
Looking forward to watching your video of designing your own place in the future 😆
我很同意買樓是用一大筆錢換安穩的心態，自住真的不會賣
Your videos are meaningful and always bring laughing to us.
I think both of you need some sleep,you guys look so tired. keep up the good work💪💪💪
做融資押層樓先可以變多層樓
但香港樓市無可能再好似過去十幾年咁爆升 所以投資都係玩其他assets 或外國樓
Torres 你就是我最喜欢的youtuber了 没有之一
年輕嘅時候真係要學懂投資，年過三十先開始會輸唔起😅 如果可以分享下會追呀
加油！ love you videos 🤩
勵志故事 - 加油，你得既！
两位是從小时候的可爱转变成帅气👍👍👍
Really want to see Torres’s book recommendation
do you think a lot of you guys would want to know??
so am I!
@@torrespit666 he asked the question that I want to ask actually😂😂
@@torrespit666 i will buy it immediately!😹
@@torrespit666 +1
托哥嘅片真係好meaningful 🥰👍
Torres can you do video on the what do the people living in your area do for a living
HI, Torres. What are the real estate taxes and capital gain taxes are like in HK when you buy/sell a property? Maybe you can make a video about them?
Love this video!
两个人 按揭 最大限度借一笔钱。。。在按揭买楼。。 现今 一个月租金2万计算。。。。一年24万。。。。你供10年 不想在继续供。。将屋卖左拒 你如果租屋十年计 要给租金240万。。。。。。买房。十年前与十年后价格说不定升值了百分之30-40.也许。。。 你2000万的房子。升值了百分之30 赚600万。。加上 省下来的租金 240万 合计 840万。。。840万扣错十年贷款的利息 通胀等等 你还能赚200-300万左右。。租金你省下来给了自己。。而不是给别人。。。你应该按揭买楼。。。不应该就行租
或者可能赚得仲多。。。十年后卖左间屋 可能赚400-500万都有可能。。。因为你租金赚了240万。 如果你们两个人。一起月收入稳定在 10W+ 应该买。。。趁疫情。楼价下跌。。。疫情一过自由行通关。。房价就会上升
還錢30年，還到第10到30年時，鈔票已經不值錢了，近乎等於不用還錢
Torres actually looks like you got 大智慧. Would love to hear your opinions sometimes haha
祝 早日上車！成功做業主！
買樓不外乎低息槓桿投資。如果托哥呢幾年投資跑贏樓市，證明托哥有料到
做youtuber 只是副業
love your video bro from Thailand
Your videos are high classed such an inspiration thx
Nowadays, the price of housing in Hong Kong is always increasing and expensive, as well as some shortages, so it is hard to find or buy a house or flat.
house price tends to increase and 2x every 10 years. it is natural. Will always be the same
托哥你比一般人成功了，加油
以前看港片觉得香港房子是天价，现在年纪大了，觉得还好。
Nice ride, I mean your neighbor. BTW, Model 3 does offer "summon" option.
靓仔，租屋虽然不用管很多与政府打交道的麻烦事，但会有可能不停搬家的烦恼。而且总没有家的感觉，还是买个固定的家吧，你一定可以做到的👍👍
1:41後面的計程車就直接被迫開上人行道😂
@@Frank-qe1lh My name is…… My name is……My name is
Great video again 📹
躺平一时爽，一直躺平一直爽
torres點會冇首期哈哈
Really sharp views on buying a house. Is there no other way to sign a long duration rental contract like 3,5 years?
GG’s mandarin is so good and it is much better than mine hahah!!
I guess your tesla shares cover 80 % in yr portfolio
珍貴的友誼
if u get into harvard u may not even have to pay at all because of its generous financial aid.
Can you make a video talking about your investment portfolio pls ?? I am very curious about what are you investing
GG普通話好好聽❤⋯⋯BTW, 又到301？😆😆
welcome to the neighbourhood !
that is Jardine's Lookout, I live somewhere close too :)
No stress, no worries
seriously i was wondering how do the bank approve your mortgage as I reckon they would need pretty much documentations to proof that your income will be stable at least in coming years?
Oh my god,你同我喺同一條街😝
Welcome to THT! We park on the same floor 👍🏻😎
兩個都靚仔咗咁多？
4:20 Why not sell the property and buy another property to rent even if you are in your 40s and 50s, i think just depends on your assets by that age..
Don't forget to count the rents in when comparing investment options xD I wonder if rents are considered does the stock market still outperforms the housing one
Yeah rent vs interest on mortgage each month
I stumbled across Torres' video, it was so good, I've subscribed. Wishing you and G.G all the best. It is suggested that you may consider leaving HK (HK real estate is not worth investing in the future, just personal opinion).
So buy your own house 🔥
重點：女同學係邊？就係上次果位呢？
10幾年後髮型互相調轉
1:49 You are living the same place with me lol. wooo!!! So I saw you a few time. (If there is some grammar wrong pls tell me thx!)
Thanks for you insight! Just wondering. How is the interest rate for a mortgage in Hong Kong? Let's say i want to buy a 50.000.000 HKD house/appartment, 20% of that would be 10 million HKD as an initial investment. 40 million to pay off over 30 years, so 40.000.000/360 months=111.111 HKD per month roughly (excluding interest rate, even worse, compounded costs). Would this payoff amount even be possible for a mid class Hong Kong Citizen? Keep up the good content! :)
You need to put down 50% or more on a HK$50 million property. And no middle class Hong Konger is buying a HK$50 million property. That's something reserved for the rich. Most middle class earners buy properties valued between HK$5-15 million.
好似岩岩先睇完home tour 又要搬走
🥲🥲🥲
Don't forget the maintenance costs of keeping a flat....
Please share your investment tips that beat the property market :) Thanks in advance ;)
Nice ! New home
但是要有工作，銀行才借給你。所以很多youtuber是full pay房子的（但是有多少成功案例？）
其实我有个问题一直都好想问下大家，勤力返工真係就可以致富？
不然怎么办呢？ 哎
人无横财不富，马无夜草不肥。。工资温饱，
This is quite misleading…. Why an apartment you live in can’t be an investment? During the cycle of property price appreciation, you can always refinance to get cash to pay another property’s down payment. The second one can get rental income to cover the mortgage…. So, all start with the first one. Having said that, it’s just one scenario of many possibilities of RE investment…. lol
香港人说的“买楼”，在内地人听起来感觉好牛B，是买楼不是买房诶。
因为香港统统都是摩天楼，所以他们都说买楼的
白建時道個頭都唔係個個都租得起㗎😁
Maybe Torres could teach us how to make stock market payback better than housing
牛啊语言天赋
Tor Gor 要瞓多啲喇.. your eye bag........ growing..
Torres Can you share your investment thoughts? (stock/bitcoin, etc.)?
HODL!!!!!
托哥可以講下最近點睇美股走勢？
托哥講中文好生鬼👍🏼
第一時間諗起風水師傅
Torres ...would like to know what camera you are using now? Or any recommendation for new video creator with not much budget
wow im first!
The numbers next to date on the left side are the key to your own house. work hard, Torres :P ADD OIL
先睇完風水冇耐，又要搬...
No, in Australia, you have tollgate. At least in Perth. Haha.
I do not understand how you can sneak in your school period. Our school has guard at the entrance and we need to sign in last visited as past students. Door is locked when no school
Mate! Australian would call them apartments, not houses.
Even primary school classmate has also succeeded in finance
Don't buy if you can't, it would be such a burden in Hong Kong no cap. Now I just wish I survive such a turbulent time here.
Do you have to pay rent each month?
搬屋確實好攰
上車哥上邊到 做盛行