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. |
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