美孚車位

coupeelvin

各位大佬，
美孚8期車位，40萬左右，買唔買得過?

Jason16VT

I will rather rent a parking spot. At $2K rental per month, it will takes 16.5 yr to use up the $400K. Do not think you will live there for over 10 yr.

古惑強

Let take the simplistic view of renting out the parking space, after paying out the management fee / land tax / Govt tax / vacancy gap, you only get 10 months rental per year.                                               

With monthly rental at $1000        p.m.   annual yield is 2.50%
With monthly rental at $1500        p.m.   annual yield is 3.75%
With monthly rental at $2000        p.m.   annual yield is 5.00%

If you can get rental charges at $1500, in today's low interest rate environment, it is an ok investment.  If you can get $2000 p.m., then it is a very reasonable investment.  If you can only get $1000 p.m., I won't bother.

coupeelvin

Now I pay $2200 / month for parking, so my thought is to turn my expenditure into investment.

古惑強

At $2.2K p.m., that would give you a min. yield of 5.5% p.a., if it is self-used then return rate is slightly better as there is no vacancy rate to discount.

Flip the coin and say if you seek a bank loan from a bank to get financing, basically you will need 50% down payment, and as long as you can get an overall borrowing rate below 5.5% for the remaining amount, you wil be enhancing the overall return on your investment.

Put it very simply, you would be taking up interest rate risk + market price risk vs future inflation risk.

jockey

其實自用既話又負擔到就緊係買好過租.... 你係唔係個個月都要比 2K人洗, 不如比自己荷包, 大前提係要拎舊 Cash 黎比首期.... 到你唔楂車或搬時咪賣Q左去

其實條數好易計:

當係租十年
租 = 2200 X 12 X 10 = 264000 , 十年後你再租唔租都係唔見左 264000

買 = 首期 200000 供十年, 2%p.a (大約) 每月還 1840 + 管理費 , 十年後個位係你 ... 每個月比管理費 or 賣Q左去, 賣Q左你衰極都賣到廿皮掛

greenbug

其實自用既話又負擔到就緊係買好過租.... 你係唔係個個月都要比 2K人洗, 不如比自己荷包, 大前提係 ...
jockey 發表於 2010-10-5 16:20

車位好似冇咩Bank受10年供.....

jockey

20 年就唔得, 十至十五年多數 OK

coupeelvin

多謝大家意見， 會積極考慮。

古惑強

車位好似冇咩Bank受10年供.....
greenbug 發表於 2010-10-5 17:02

10yrs should be okay, for
the interest rate you should budget a bit higher, as banks normally  charge a higher interest rate for car park, since it is regarded as investment..