親愛的曾特首﹕
當有中環工作的女醫生向你提及，與律師男友在一起也未能在港島置業時，你可能未曾想過，她的故事會引起我們第四代香港人的強烈共鳴。
曾特首，你可知道第四代香港人買樓置業的艱難？不少屋宇這半年的樓價已經升了三分之一！就算是租金也升了兩三成。特首你教我們要「睇食飯」量力而為，但我想告訴你，今日的年輕人根本無樓可置，無飯可食！買樓要首期﹕今天很多年輕人仍然為償還大學學費以及持續進修的開支，為各大高等教育機構打工；就算讓你儲到首期，但很快你會發覺，你所預備的首期永遠追不上樓價的升幅。能夠做九成五按揭的，往往是動輒二三百萬的物業，並非月入五萬的兩口子家庭所能負擔，就算選購看似較便宜的舊樓，也找不到銀行提供足夠的按揭。當你用一年時間儲多十萬元之際，該單位的樓價又豈止升多三十萬。
我不明白，當你拿九七年的樓價力證現在樓市不存在泡沫時，究竟你是說風涼話，抑或正在逃避問題﹕九七年的樓價根本就是瘋狂，拿最瘋狂的時間去證明樓市正常，那和借希特勒屠殺百萬猶太人去證明拉登普渡眾生無異——都是瘋言瘋語！
曾特首，如果你還是一位有遠景的政治家，請解決第四代港人的住屋問題﹕當第四代中產也感受到置業困難時，你可以想像我們同年紀的同學朋友，包括當年響應你上司董伯伯選修泡沫學科而走上冤枉路的同學，會是如何的徬徨無助。我認識一對拍拖十年的朋友，今天均為人師表，但他們只能負擔得起遠離學校超過一小時車程邊陲地區的物業，所以要把結婚大計無限期押後；有結婚多年，熱愛家庭的年輕夫婦，因為供樓已經透不過氣，而無法響應特首你的生兒大計！
說實句，我無疑嚮往新界的綠野，但新界的樓價，又何嘗不是貼近市區？當東涌線的地鐵可以等上十分鐘才有一輛列車，但某富商樓盤卻可以坐擁自己的專線地鐵站，這是什麼樣的交通配套？東鐵的班次比十年前沒有寸進，但新界北區的人口已經倍增，你的施政報告可曾回應過此問題？難道你想鼓勵年輕一族晉身有車階級，以應付如此硬膠的交通配套？
曾特首，當你建議醫生律師情侶搬入新界作新婚居所，你可知道，很多年輕人正在擔心，你是否打算把他們趕往深圳河以北！不過，就算是深圳河以北也有什麼問題？這幾年來，香港所興建的新樓，還打算給香港的新一代居住嗎？我不想住什麼宮殿或皇庭，但發展商卻硬要我權充君臨天下富甲一方的氣勢。我一個月的薪金恐怕也買不起其中一個單位的馬桶！重建區的發展項目根本無助改善原區居民的生活質素，因為呎價往往與豪宅地段無異﹕貧民區醫院門外有一座以紐約自居的重建項目，頂樓呎價竟然達一萬元一呎，但兩步之隔就是劉德華吳彥祖拍《門徒》這犯毒臥底故事的場景，難怪仍有三十五元一呎的板間房出租！這些新樓，把新一代香港人趕盡殺絕。當香港的土地不再屬於香港的新一代，你教我們怎會對這城市有歸屬感？
請特首告訴我，今天香港，至少是獅子山以南，是否已經成為內地投資者的殖民地？對我們不符合資格申請公屋，也沒有機會買居屋或夾屋的一代，在獅子山以南建立安樂窩難道已是遙不可及的夢想？連在中環工作的醫生和律師，特首都建議他們搬入新界，那麼，對其他缺乏經濟實力的年輕朋友，特首是否打算建議我們搬往深圳河以北，退出廣東省而住在廣西呢？成長於舊區的第四代香港人，長大後竟然買不起那些重建區，特首還打算唱什麼「本土社區文化」的曲調？特首早前回應綠色和平步行上班一天，你可會願意搬入新界，每天嘗試乘港鐵回中環上班一個月，去感受普通市民面對交通問題之苦？今天港鐵還能承載上數百萬人每天因上班上學所帶來的人流遷移嗎？
我記得回歸後的財政預算案，以「利民紓困自強不息」作為主題。金融風暴下，你亦曾推出計劃減輕置業人士的負擔，亦寄語港人面對困難仍須自強。致電給你的醫生和律師，當日也曾響應你的呼籲，努力讀書學習，「運用本身的才智能力，自強不息」，所以才有今天的專業成就。他們可能在香港島成長，在香港島肆業，結果換來的，竟然就是撤出香港島搬入新界的呼籲。我明白男兒志在四方，以四海為根，以全球為家，你甚或會嫌我們欠缺像你在外國讀醫兒子一樣的國際視野，但在土生土長的地方建立一個安樂窩，在繁重工作過後能夠休養生息，在風雨飄搖的日子有瓦遮頭，究竟有什麼錯？這個個平凡且卑微的願望，難道與獅子山下的第四代香港人無緣？連有經濟能力的第四代專業中產，也淪得如此下場，我們一眾年輕人，還可以對明天有什麼期盼？對未來有什麼憧憬？請你亮起慳電膽，用你的筆回答我們！
肥醫生@西九龍貧民區上
原文刊載於二零零九年十月十八日《明報星期日生活》001版
http://news.mingpao.com/20091018/vza1h.htm
135個回應
十月 18, 2009 at 11:46 pm
自天水圍都可以有港鐵出tst後,天水圍都勁升!
而家樓價最平的地方可能係沙頭角!
大家不如沙頭角見!
十月 18, 2009 at 11:50 pm
所以而家d年輕人唔讀書去吸毒係好醒! (但唔值得鼓勵)
因為佢地比我地更早知道知識係改變唔到命運!
十月 18, 2009 at 11:51 pm
本人算是第三代港人 (70年代出生)及專業人士, 經歷過1997, 2001, 2003 及 2008. 現在到新界置業居住.
市區樓真的買不起!
十月 19, 2009 at 12:17 am
有樓的人想它升,無樓的人想它跌
從來都是對立的關係
經歷過九十年代末經濟低谷的香港人
看見有人要求政府平抑樓價,都會想起當年淪為負資產的滋味,對這種訴求反感,可算是人之常情吧….
十月 23, 2009 at 3:02 pm
你咁講時係將問題簡化左，事實係: 跌市無助解決問題，只係將問題從無樓者拋到有樓者手上，可能仲衰
而且，而家想買樓既後生根本唔想去入呢個場，入場費佢地俾唔起亦唔需要豪：會所等豪宅配備不需要，想要單位唔駛好大、交通方便、升值與否未必重要(不降就算)．．．既安樂窩而已
但除左呢個豪宅充斥既場仲有冇第二個場呢? 如果有大家唔駛咁愁…
十月 19, 2009 at 12:40 am
醫生律師是香港的精英
解決問題的方法也要求諸於政府
香港的前途會怎樣?
特首的責任是要協助港人成為業主?
解決居住問題唯一的方法是置業?
提出問題的人可有提出任何可行的建議
或解決辦法?
十月 19, 2009 at 10:30 pm
原來，政府官員拿十多萬至百多萬人工，竟然不會主動研究政策及社會問題，反而要別人提意見才肯做，這樣的廢柴，是不是應該及早下台？
五毛黨人當中，你都算是仆街的一群。
十月 20, 2009 at 11:38 pm
醫生的專業知識和工作是醫人,
至於政府的責任就是解決社會問題制定政策,
若果有一日, 你病了去看醫生,
吃藥後發現沒有好轉, 然後回來投訴該醫生..
該醫生會不會反過來要你”提出問題的人可有提出任何可行的建議, 或解決辦法?”
十月 20, 2009 at 11:53 pm
魚仔你這個比喻不太恰當.
醫生是專業,普通人是沒有知識去理解及加意見.
政府特首/高官負責制定政策及執行,但不同在於當中需要經過咨詢市民. 難道你沒有見過曾俊華在電視廣告聽取市民意見嗎?
十月 19, 2009 at 1:26 am
我呢啲離兩萬月薪好遠既非專業人士大學畢業生實在唔會明白，我想個市跌，但都只係放眼喺你地唔想搬入去既新界西北。能夠有非港島不住呢個怨念實在令人羡慕
十月 19, 2009 at 2:28 am
由第一日開始, 我就感覺不到曾特首是政治家. 極其量只是一個技術官僚. 我懷疑他是否知到做政治家是麼一回事.
十月 19, 2009 at 4:26 am
荀子： 自知者不怨人，知命者不怨天，怨人者窮，怨天者無志（有自知之明的人不會埋怨別人，了解命運的人不會怪罪老天，埋怨別人的就窮乏，怪罪老天的沒有見識）出自《荀子.榮辱》荀子啟迪我們：當我們的境況遭受不順時或事情受挫折時，不要去埋怨別人，將錯歸咎於別人，也不要怪罪老天，怪罪別人的就窮乏，埋怨老天的是沒有見識的人，而應該多從自己身上找原因，自身才是失敗的主因，就像我們把人看錯了，反說人欺騙了我們！
十月 19, 2009 at 10:27 pm
多得你這些奴才護短，政府才能夠漠視民意。
十月 19, 2009 at 9:26 am
特狗不仁，以貧民為芻狗
十月 19, 2009 at 10:56 am
老實說…有一件事要多謝董伯伯…就是8萬5令我係東九龍某前徒置區買左層六百尺居屋….(雖然亦對我既行業打擊很大…)
而家傍邊那20年樓齡既私樓已達7千蚊一尺…一家幾口換樓”升呢”無期…但總算有瓦遮頭…
但點解樓價回到97…但我地人工就”有排都未見家鄉”?
十月 19, 2009 at 11:20 am
“往往是動輒二三百萬的物業，並非月入五萬的兩口子家庭所能負擔，”
醫生連上網查證按揭負擔都懶做，就亂講一通。以自己多年前首次買樓為例，月入不足三萬，以保守的15年按揭，已能負擔$2.5m的新居，每月還可奉上數千給老家。當時按揭息率還是8%，以今天不足3%的息率，七成按揭，月入五萬的家庭，可以供得起五百萬樓。
醫生連基本科學求證精神都欠奉，真枉費納稅人多年努力。最可悲的，是不少納稅人只是月入一兩萬，自己無緣獲資助讀大學，卻要胼手抵足，養家供樓交稅，到頭來只培養一班只會怨天尤人的大學生。
十月 19, 2009 at 11:49 am
亂講一通？碌大對眼睇清楚啦唔該 – 負擔有好多個 components；你可以話個 statement over-generalized，但 outright reject 就唔該節省啦。
供唔難，難度在首期。250 粒樓價，按到九成都要 25 萬首期，外加十皮八皮裝修同釐印律師費，總計三四十粒。要儲到呢個數，易又得難又得 – 視乎支出模式、投機倒把有無斬獲，唔係老奉話有就有。讀 medic 還二三十粒政府 loan、左進修右進修、家用負擔又可多可少，拎唔出有咩咁奇？
又：納稅人唔係大晒 – 大把人唔納直接都納間接，而且無大學讀只係玩完九年免費教育嘅、用過政府醫療服務嘅，一樣係使咗唔知幾多十萬公帑，自稱納稅人嘅用返幾多唔通又下下同你計住，餘額正數先有資格講嘢投票 (九倉老細 n 年前講過)？只會埋怨人哋怨天尤人、拎「胼手抵足，養家供樓交稅」撻人，呢塊道德高地果然夠硬淨，佩服。
十月 19, 2009 at 3:26 pm
邊條法例規定醫生要係做野幾年內買西九／港島半山／新樓？宜家冇首期咪蓄到有先買，或買層平細單位上車先，等升值後再換大Ｄ既屋。
＂醫生畢業後幾年買唔起西九／港島半山／新樓＂同真正基層買唔起私人樓完全兩會事噃！唔好亂咁推砌誤導人噃！
十月 20, 2009 at 9:25 am
慳d啦,做醫生係今日低息都買唔起$2.5Mil,同你名一樣:Loser!!!!
十月 22, 2009 at 6:51 pm
Support your points, Perennial_Loser!!!
十月 23, 2009 at 1:48 am
想嘗試一下集合意見/分享個人愚見(有錯請隨便指教/糾正):
1.樓價現水平是否過高 – 高/唔高其實見仁見智,主要是靠市場供求決定(即過高理應沒有人買,有人買即有人可以接受到),不過樓價是建基於高地價上
2. 高地價是否合理 – 很難說, 主因是政府土地供應少而有限, 另外政府不似正常國家,收入來源有限, 雖然沒有軍事費用,但公務員/醫療等支出高,高地價正好可以幫補低稅率的影響. 除非政府有大量盈餘, 或有新的收入來源/長線增加收入,或可作長線大幅減支出, 否則看似機會不大
3. 樓價升高原因 – 通脹,炒樓,樓宇(因地供應減少/發展商降低發展數量)供應減少+發展商共同提高樓價(即近來只賣利潤邊際較高既新”豪宅”,價錢比二手高一截).
4. 炒樓 – 自由市場下不太可能避免. 但可用一些增加炒樓成本的措施以減低過熱情況
5. 樓宇供應減少下,發展商為保利潤,只賣高利潤邊際的新”豪宅”,咁啱香港+國內富起來,大把有錢人,新”豪宅”長賣長有. 即個個只賣魚翅都夠客夠賺下仲邊有人賣漢堡飽/開大排檔. 直至吸納晒呢班有錢人D錢為止 (都有排).
6. 土地供應增加可能實質對樓價升溫有所冷卻,但要減樓價/要發展商賣中檔樓可能性則存疑,因這影響廣泛深遠(發展商長遠利益,銀行,建築,廣大業主-投資回報,甚至可能負資產).
7. 工資追唔上通脹/樓價升幅,越多人買唔起樓要租樓,買得起都會俾得越辛苦,打工仔既財富越來越多落於發展商(買樓)或物業投資者(租樓),這些既得利益者變成社會既上層而打工仔慢慢向下移. 所以連醫生買唔起心中的樓, 雖然價錢受通脹/炒作(二手)/發展商提價(一手)上升不少,卻有一大班有錢人仍然買得起.
8. 現象/問題主因: 資本社會 – 在制度”容許”下(或負面說法是制度漏動),當權者與既得利益者”配合”,形成富者能維護/擴大本身利益而越富,貧者被動下而越貧.
9. 解決辦法(即減樓價) – 要打破既得利益者的利益:
- 令發展商大大增加樓宇供應數量,使”豪宅”需求漸漸被消化/因大量供應下價格下降,而要發展中價樓
- 實施物業資產增值稅/增加物業(非自住)印花稅減低炒樓利潤及炒樓活動
10. 減樓價可行性(不包括因經濟/樓市週期): 似不太大 – 既得利益者(至少在他們權力及地位上)暫時仍超過未有樓的買家(不包括已受政府保障的基層)
十月 28, 2009 at 11:22 am
One major expense (before you can save up enough money for the deposit): RENT!
If one does not need to pay for the rent, then one can save up the deposit much more easily Lor!!!
(I’m saying, one saves at least HKD60 000 per year if (s)he does not need to pay for the rent!!!
Negative cycle of the crazily high prices of flats!!!
十月 21, 2009 at 1:06 am
波蘿游先生, 唔好開口埋口就 抵毁人, 鬼唔知阿媽係女人. 你個條數, 上網求其搵個website 都睇到, 唔駛你講, 個問題係 有首期先得架, 邊個俾者..七成?,, 要儲1m — ? 先至係問題嘛 (仲有唔計呢個貪心既政府見你有錢買樓仲要收你既 厘印(3m 既樓, 又收幾萬蚊, 4m 收十萬 — 黐線架)). 邊個唔知而家供樓既錢同租樓差唔多者, 但之後呢? 而家 hibor < 1% 既時候梗係咁講啦, 有冇預計p+ 既年代點呢 …
但你有冇諗過 就係呢一班家庭收入五萬既中產, 政府同你講要你自食其力, 但樣樣野又唔幫 , 交稅又交到足, – 政府要你既錢, 奸商又要你d 錢, 你以為中產搵埋搵埋, 但其實quality of life 冇乜大分別..
"是不少納稅人只是月入一兩萬" – 請問入月一萬, 年薪十二萬, – 10800 免稅額 剩返既x3% , 即係要交幾多呢 ….. 你知唔知年薪過350000 之後, 係差唔多20%, 你之後賺五蚊, 有一蚊係俾班飯桶, please俾少少 科學求證好唔好?，
”自己無緣獲資助讀大學，卻要胼手抵足" 養家供樓交稅，到頭來只培養一班只會怨天尤人的大學生。－ 你知唔知，個個女醫生 ＆ 律師 每人一年交80000-100000稅, 如果呢筆錢唔係俾班飯桶, 係用黎儲首期, 咁梗係唔出聲啦, 之但係有剩既錢就用黎交稅, 幾時儲成百粒 ….?
十月 19, 2009 at 11:24 am
你撻竹子荀子出來,究竟想話邊個?七百尺價錢買四百尺樓面,份糧每個月比人劫去一半,香港人有咩要檢討??道歉之餘,我駛唔 X 駛搞活動多謝地主們?
十月 19, 2009 at 12:48 pm
睇黎曾特首想羅銀搬去藍郡…….羅銀投資 你的理想投資合作伙伴
羅銀投資2010年口號
羅銀投資 – 與你聯繫 一直在線!
十月 19, 2009 at 1:57 pm
Morgan Big Chau 係唔會同特首 hard plastic!
MGBC 100% Investment!
十月 21, 2009 at 1:34 pm
羅銀投資發聲明強烈遣責有關人士令到投資大行MGBC慶到辣雞!
請PLASTIC GUY唔好再咁HARD PLASTIC!
羅銀投資 – 東尼保腎集團股份有限公司成員之一
與你聯繫 一直在線
CONNECTION!RELATION!RESOLUTION!
十月 19, 2009 at 7:17 pm
如果特首冇責任的話，叫佢落台吧。養他來幹甚﹖
十月 28, 2009 at 12:11 pm
No one knows!!!
The problem is that there is no system to fire him, and there is no way he will resign!!!
*SIGH*
十月 19, 2009 at 10:27 pm
Dr Fat
Sorry, my computer does not have Chinese software installed and I have to comment in English.
You have pointed out a very real issue (and quite sad situation) that many ordinary citizens in HK are facing. I very much admire your courage and openness in expressing your opinions.
I have also learned about the medical community from your writings. Before reading your article, I did not know that doctors have to pay for their malpractice or professional liability insurance and/or professional exams, postgraduate diplomas, etc. I was naive in thinking that these costs or fees would have been (at least partially) subsidised.
Thanks again for sharing your thoughts and feelings.
Very kind regards
Shirley
十月 19, 2009 at 11:05 pm
樓市泡沬, 特首視而不見; 貧民叫苦, 高官聽而不聞. 公屋停售, 居屋停建, 勾地罕見, 樓宇供應大減, 人為地製造了樓價大幅暴升的潛在空間. 一眾地產商悶聲發大財, 樓價上升之勢, 看來方興未艾. 解鈴還須繫鈴人, 唯一可以改變此趨勢的本地因素就是特區政府; 八萬五矯枉過正, 三萬五如何? 非不能也, 不為也, 皆因官商勾結或特首所謂的官商合作.
BTW, 民間早有傳承智慧: 當某富豪有大型樓盤發售之時, 樓價就會上升起來. 卅年來, 此一民間智慧充分得到驗證.
十月 20, 2009 at 12:13 am
很難說.有人指出樓價升其實因為美/港元相對貶值,資金流入所致.
你又可否保證特首3萬5唔會引致負資產??
要喺比較上少數的冇樓人士同多數的業主,銀行,地產建築行業利益間,以及政府不應干預市場運作的前提下你教特首點樣取得平衡??
十月 21, 2009 at 1:27 am
” 邊條法例規定醫生要係做野幾年內買西九／港島半山／新樓？宜家冇首期咪蓄到有先買” – 冇人講過要買半山, 但只係好現實係港島區買一個地方, 我諗至少2m 啦(我未買過). 三成, 都60萬啦, 快則3-4 啦, 仲要未計月薪五萬, 有差唔多15% – 萬幾蚊黎交稅喎, 你睇 醫生 呢個title , social class 好似高d 者, 實際唔係你諗咁好境, 可能仲俾唔上d 靚模 咁好境 ..
你話政府不干頂, 但佢有bias, 事實上都係咁, 董伯伯話我地知, 樓市冧, 香港死梗, 之後既曾先生既時間, 佢地為左個市唔冧, 積極地容讓班奸商賺好多錢… 又環保露台 , 擺明係益佢地 (ｄ露台既呎價政府冇收佢錢, 但d 奸商就收到足), 話唔俾起樓既地方, 佢地又俾佢起”低密度” ……….. 越睇越眼火爆, 咁都得既 …… 個政府知道冇佢地符, 又唔可以整冧樓市, 只係不停出口術
十月 21, 2009 at 1:39 am
跛腳鴨政府嗎,冇辦法. 你見佢同姻親單野都知內部運作既作風啦.人有人嘈,佢有佢做..算吧啦.
講開又講,儲錢買樓唔一定要3或5年. 總之儲夠先買,或租住先.
呢個社會永遠係做生意自僱(成功嗰d) – 保險/地產代理,廠家,生意人,藝人,炒家等比打工收入好(i-banker除外).所以有咁多人買得起新樓.
十月 20, 2009 at 2:10 am
Would like to share this post that I wrote:-
http://asiasentinel.com/index.php?option=com_content&task=view&id=2104&Itemid=158
Alice
十月 20, 2009 at 10:19 am
http://krispycrap.blogspot.com/2009/10/blog-post_18.html
SUNDAY, OCTOBER 18, 2009
無恥醫生
特首講樓市, 本來政治場上兵戎相見, 被批評唔理窮人, 係好正常, 點知今年有一班特區寄生蟲、 本身已經恃住政府特權壟斷發財既醫生, 喺電台、報紙、blog大喊冇錢買樓.
有個醫生寫左一堆字, 怨曾蔭權唔施捨幾個錢畀佢買樓.
唔係咁蠢雅? 唔識將貨就價? 特首好心提佢地可以住遠少少, 竟然話太遠唔就腳,一定要九龍港島先肯住(其實都夠買有突), 間樓住新界襯唔起高高在上既醫生身份. 真係恐怖.
香港醫生一早已經唔高尚, 特別係公家醫生, 下下想加人工既時候, 就擺病人上枱.
本來手術刀在前, 有機會睇醫生既香港人都唔會亂鬧醫生, 以免有醫生唔小心醫死人, 而嗰嗰人又咁啱係你
點知, 醫生連醫院以外既一般人生活都唔放過, 要再据香港人一頸血.
醫生喺香港最壟斷既行業, 唔喺香港兩間大學出黎, 呢世都唔使旨意合法執業, 就算你係哈佛醫學教授, 都好難pass個試, 目的係同你講: 過主啦, 呢度我地頭! 學中醫, 要面對西醫瘋狂抹黑, 又話唔科學又盛, 總之只準睇西醫, 但唔準問咁多. 原則上, 醫生組織同黑社會無疑, 分別係一個政府授權, 一個要劈友劈個場返黎.
喺冇乜競爭既情況下, 醫生收入超穩定, 中意就打政府工, 唔中意就自己執業. 咁啱, 供樓最需要穩定收入, 醫生就最適合供樓供舖. 好多醫生都係自置舖.
點知, 家下醫生不思進取, 更不知廉恥, 嫌豪宅貴, 竟然要求政府推冧摟市.
有收入供得起, 負資產都冇事, 最慘一般商界打工仔, 市一差就有機會被炒, 工又冇, 樓又負資產, 最後只會益左班收入超穩定既人, 就係醫生, 就算佢地高追都冇問題, 因為供得起, 市冧仲可以執平貨, 入多間.
香港市民究竟前世係咪欠左班醫生? 醫病冇得揀, 迫住捱貴夾唔抵既本地醫生; 有D醫生冇得外國供應, 佢退休就成個部門摺埋. 家下醫生連樓市都要打主意. 當香港的土地不再屬於香港的新一代，只屬於醫生此等特權階級, 你教我們怎會對這城市有歸屬感？
肥醫生, 請你回答我, 如果如你所願, 樓市冧左, 有個病人, 去你度睇病, 話變左負資產後, 積勞成疾, 你會點同佢解釋?
敬候您的回覆,
Kreme
十月 20, 2009 at 3:46 pm
well, some I agree: 醫生喺香港最壟斷既行業, 唔喺香港兩間大學出黎, 呢世都唔使旨意合法執業, 就算你係哈佛醫學教授, 都好難pass個試, 目的係同你講: 過主啦, 呢度我地頭!
Some I don’t- 學中醫, 要面對西醫瘋狂抹黑, 又話唔科學又盛, 總之只準睇西醫, 但唔準問咁多. I read most criticism target against Western medicine but the standard against TCM or chiroprac or healthfood are just like advertisment, anything everything is allowed.
Agree- 原則上, 醫生組織同黑社會無疑, 分別係一個政府授權, 一個要劈友劈個場返黎. The same apply to all professionals. including the government.
not agree– 喺冇乜競爭既情況下, 醫生收入超穩定, 中意就打政府工, 唔中意就自己執業. 咁啱, 供樓最需要穩定收入, 醫生就最適合供樓供舖. 好多醫生都係自置舖.– that is not true.
Apart wish you all a healthy finacial life, I also wish you met a good doctor when you are ill.
agree– 肥醫生, 請你回答我, 如果如你所願, 樓市冧左, 有個病人, 去你度睇病, 話變左負資產後, 積勞成疾, 你會點同佢解釋?– haha, 負資產 hurts for decades, easily destry marriage, liveihood, you bet I know, Because I am the patient.
But 肥醫生’s ,original article does not mean doctor as 特權階級; need to be clear about dr fat’s message before jumping in.
十月 20, 2009 at 10:42 pm
Kreme,
人身攻擊.
十月 20, 2009 at 10:56 pm
冇辦法…佢同個律師咁高調講d咁跨張既野當然會令人反感. 正如佢借最低工資人工低話自己賺10萬都唔夠駛, 更何況d”平民”, 要政府加人工…你會覺得佢真係幫低層出聲,定係借低層既支持向政府施壓為自己謀利益?你又會點睇?
十月 20, 2009 at 11:06 pm
Dennis,
原來你支持和維護人身攻擊.
十月 20, 2009 at 11:10 pm
應該是明白及理解,而非你所講的支持及維護.
十月 20, 2009 at 11:26 pm
Dennis,
你似乎好享受人身攻擊.
十月 21, 2009 at 12:01 am
你似乎好享受屈人人身攻擊. 請你如沒有對樓市/題目的意見勿作這些對本人無point既留言.
十月 21, 2009 at 10:14 am
Dennis,
請你如沒有對樓市/題目的意見有好的見地勿作這些對肥醫生和人類無point既留言.
十月 20, 2009 at 12:29 pm
肥醫生
你見到你呢類嘩眾取寵文章的反效果嗎 ?
好好地, 評論一下新世代買樓問題就可以
何必加句”醫生買唔起樓”呢類嘩眾題目 ?
當阿婆為兩餐憂心時, 竟見到連續兩位醫生為買樓煩惱
當中產辛辛苦苦供一層二三百萬的樓時, 竟發現醫生為買不起更貴的樓而苦惱
下次發表偉論前
可否想一想後果才做 ?
十月 20, 2009 at 12:39 pm
其實睇呢位新仔醫生叫自己”肥醫生@西九龍貧民區”都估到幾有階級觀念….”平民區”不成???
十月 20, 2009 at 12:48 pm
Quote: Suen Parkman’s blog : http://phatdat.blogspot.com/2009/10/blog-post_20.html#comments
From Kreme…
嫌遠
嫌細
嫌唔就腳
嫌間格唔好
嫌風水唔好
嫌鄰居影衰自己
嫌果區唔夠高尚
當以上條件都解決哂
就會嫌貴
當八萬五、IT爆波、金融風暴/海嘯/地震
五折
又會唔夠膽入市
結論係呢種人一世都唔會買樓
POSTED BY PAKMAN AT 12:35 AM
1 COMMENTS:
Anonymous said…
買唔起就租，心安理得，租唔起中環半山咪住遠 d 囉……
人一死，咩野都帶唔走，點解係都要買層樓搞到週身債成世為佢打工?
買樓係高槓杆高風險既投資呀!! 到加息你供唔掂樓價又跌，破產都有你份呀!! 你讀 U 無讀 econ 既咩? 慨嘆而家 d 腦殘醫生，連買唔起樓都夠膽打上電台鬧，係唔係讀書讀壞左個腦?
TUE OCT 20, 09:56:00 AM HKT
十月 20, 2009 at 1:52 pm
Sigh… why do you think it is the responsibility of the government to make sure you or anyone could participate as an investor in the property market? If such a policy exists, what value does it create to the society as a whole?
All governments in the world have to deal with housing problem among their citizens, but as someone has suggested you can always rent a place to live. It is not like you are running out of options when it comes to finding a place to live. Why do you think you should be a home owner?
Many would agree that you have no right to ask Donald Tsang for money to buy an apartment in your desired location just because you are a doctor. It will be different if you are his secret child, i.e. bastard, then I guess it becomes a family issue here and we all can leave you alone. But in case you are not, perhaps you really need to see a doctor.
十月 20, 2009 at 2:16 pm
依家呢醫生不知所謂…
手術做錯,就話係個病人唔好彩….
十月 20, 2009 at 6:12 pm
n,
肥醫生的”請特首回答我.”這主題
與你”依家呢醫生不知所謂…手術做錯,就話係個病人唔好彩….”
有何關係?有何共通?
請不要離题.
十月 20, 2009 at 6:42 pm
兩者共通點是:不知所謂.
十月 20, 2009 at 11:41 pm
哦哦…
Dennis跟一眾狗官都有共通點…
瘋言瘋語
十月 20, 2009 at 11:57 pm
魚仔請你小心你的說話, 你已作了誹謗的行為.
十月 21, 2009 at 9:53 am
Dennis,
魚仔不是誹謗,是人身攻擊.
十月 21, 2009 at 10:23 am
Ssales FYI – 冇讀LAW可請教律師:
任何人透過書寫、口述或行為舉動去發布一些誹謗性言論或事情，而該項事情針對另一個人或一間機構，該發布人便可能要就誹謗負上法律責任。
誹謗一般是指透過書面文字或說話去損害另一個人的聲譽，而發布那些字句會：
- 貶低受害者在一般社會人士中的地位；
- 令他們避開受害者；
- 令公眾憎恨、蔑視或嘲笑受害者；或
- 貶低受害者在其專業上或行業上之地位。
十月 21, 2009 at 10:36 am
Dennis,
一般誹謗的律師費和其他開支是很大,
謝超人就是一個例子.
我認為你應該用此費用來供樓.
不好一時之氣.
十月 21, 2009 at 10:56 am
旨在提醒你及各朋友而已. 實際可以告得都要被告有錢賠先啦,所以通常只會告公司/有錢人.
十月 21, 2009 at 11:07 am
Dennis,
我早知你在嚇人.而且我不是有錢人.
十月 21, 2009 at 12:13 pm
Dennis,
我不是有錢人,而且你的所謂法律知識=解手後洗手.
十月 21, 2009 at 4:44 pm
我的所謂法律知識(常識)明顯比你好.不過好過你連呢D所謂”解手後洗手”既野都唔識呢! 講咁耐一個POINT/意見都冇,只是懂單打人,原來4th generation係咁….
十月 21, 2009 at 4:51 pm
Dennis,
抱歉!我不是4th generation,你錯了!!!!
你開始沈不住氣!!!!
十月 21, 2009 at 5:05 pm
唔係4th generation 噢咁仲弊 (OMG)….
如果為小事沈不住氣的話人生又怎麼過?
十月 21, 2009 at 5:07 pm
Dennis,
我係你個generation!!!!
十月 24, 2009 at 11:35 pm
除左話病人唔好彩,某醫院某科D人渣仲會話係病人期望過高.
但可笑既係呢個病人好細個已經知呢間係乜醫院,所以打從去求醫o哥刻已不敢對o哥間醫院存有任何幻想!
但無奈走唔出醫管局既住址限制先焗住去o哥間醫院求醫啫!
不過當病人同 “醫生” 講佢唔敢對佢地再有期望時,佢又會話大家之間冇dr-patient rapport!
所以醫生真係同黑社會有d似-佢地惡晒!
十月 20, 2009 at 2:37 pm
事實上, 唐英年真係叫我哋搬番大陸住。
十月 20, 2009 at 4:18 pm
This is a test of human response.
The French Revolution. Paris 1770-1800….In the name of republic or choose your label… The common people is the hope, the root of problem, the reason why , the ultimate democracy…..
Basically a good heart is not enough, there are a lot of tactic in democracy and skill in education…….
don’t cry for …. who will ? afterall.
十月 20, 2009 at 5:20 pm
finally, no one would like to address the core problem.
only personal attack seen….
Disappointed
Human being is selfish
that’s why the Paris Commune fail…..
十月 20, 2009 at 6:39 pm
It is just a process of debate but not personal attack. You guys think it is a core social issue, whereas others believe it is more a personal finanical issue mingled with some arguably economical / social inequality which may not be resolvable.
High housing cost is not something new in 2009. People at 30,40,50 have also been facing this. They may not be able to make big money, or worse still, have lost their jobs. So are they begging for help from our govt in order to buy their dream houses? They rent or live with parents instead as alternatives other than owning an apartment.
Why our 4th generation are so unreaonable and demanding this and that? If I want to buy a LV bag should I check with my bank balance and see if I have enough money? If not, should I buy a bossini bag instead or wait until I got enough saving, or even see if there is any old one from my brother? Remember, buying a house is not a must, though highly preferred.
十月 20, 2009 at 8:15 pm
樓價上升, 可以列舉出很多原因, 但主因就是供應減少, 供應減少的重要原因是政府的政策, 追溯下去就是官商勾結. 美/港元貶值, 資金流入, 是外因, 一如去年爆發的金融海嘯, 令樓市一度被形容為將進入冰河時期. 外因不受本港控制, 但內因則不然.
至於保證3萬5不會引致負資產, 這個問題是杞憂了. 當年, 董建華在不適當的時候推出瘋狂的八萬五, 才會釀成數以十萬計的負資產的惡果. 目下情勢, 3萬5可補供應不足, 而又不至過量, 負資產的恐慌完全沒有事實根據.
“你教特首點樣取得平衡?” 他如果肯受教, 我會教他不要向地產商的利益傾斜, 這樣對本港經濟的長遠發展沒有好處, 對大部份的業主及非業主, 對各行各業, 對社會民生, 全部弊多利少. 不要跟我說”政府不應干預市場運作”, 觀乎事實, 政府對地產市場的”干預”是極其厲害的.
十月 21, 2009 at 1:39 am
The Hong Kong government and the property cartel literally monopolize the land supply. Those who say government is non-interventionist are telling the biggest lie on earth.
For reference, please read “Land and the Ruling Class in Hong Kong”.
十月 21, 2009 at 12:31 am
To 呢度發表不知所謂言論所謂路人：
小弟副業寫評論，主業從商，但有一點很重要，這個世界唔係乜都講錢，而做人亦要有同情心以及同理心。華商還有一個傳統，叫發財立品，發了財更要推動社會公義的發展，否則社會會墮落。
但現時這裡不少銅臭味到爆的言論，還要攻擊對社會有心的肥醫生，原來呢班友見到全香港都係丸仔醫生至過癮架。
十月 21, 2009 at 6:36 am
Hmm… have you ever questioned this so-called tradition that you seems to believe in regardless? I don’t think social responsibility should always come after wealth accumulation, at least that is not how we should educate our next generation.
I agree that not everything is about money. That’s why when a doctor is questioning why the government is not actively assisting them to become home owner with any form of financial relief or intervention to the property market, it strikes all of us to think. Why do some of us believe that home ownership is a given right at some point of your life if you are a hard worker or being a particular profession?
Personally I don’t see any connection between home ownership and who you are or what you do. And if anyone really wants to own any property for whatever reason, that is merely a personal investment issue instead of a social one. Many claim that the government plays a role in the supply of land and hence being influential in the property market. While those are all true, again there is no responsibility towards any individual who rather not to rent but to invest in the place they choose to live in.
To conclude, maybe we are harsh here but that does not mean we are unconcerned with the raised question or just focus to attack someone for the sake of it. Instead, there are many unanswered questions here now. As a column writer that you claim, care to help out a bit here?
十月 21, 2009 at 9:48 am
原來對於銅臭味人士，住屋只係投資，唔係基本權利。
喺南洋香港人so called競爭對手新加坡，點解政府搞咁大規模組屋計劃，好多地段限制非新加坡永久居民，甚至非新加坡公民買樓？因為買樓唔只係投資，人生第一間樓某程度上係權利。李光耀知道南洋華人都係熱衷買樓炒樓（我阿爺咪喺新加坡炒過樓），無殼蝸牛係製造社會動盪的主要因素，簡直係種族主義溫床，所以至咁做。
我嘅祖宗諗法同今天好多膠人諗法一樣，結果就係一手造就印尼排華、大馬沙文主義，你地班友可以繼續攻擊肥醫生落去，但千祈咪低估我地呢代甚至下一代、兩代果啲報復狂魔會對社會造成嘅傷害，我拜拜好容易，個爛攤子你地自已膠爆佢。
十月 21, 2009 at 12:47 pm
So that’s it, all you can come up with to support your argument is this… and you call yourself a columnist?
Living is a basic human right, no doubt on that. But that does not equate to home ownership. How did you jump to your conclusion with that point about Singapore?
Another thing for you to consider – if a government is supporting their citizens to invest in properties, who ultimately gets the most direct benefit out of this policy? The banks, as long as most people need to apply a mortgage for their homes.
十月 21, 2009 at 3:34 pm
Why upset, many people blamed the government to seduce them into market just 15 years ago.
no matter what argument you/we all have, there is no need to yell and personal attack.
It is the real thing that counts: make sure you do not jump into a firepan and mortgage your wife, you next 20 years of time and salary into an expensive dream.
It is a social issue, it is a personal goal issue.
I can tell most of you have not have a property (so call).
My very expensive experience hurts my children as well.
If the female doctor and her clever lawer husband bought a 20 million flat and the market went down 30 % say back to 14 million, I bet they will end up divorce. ( this happend exactly to my practice area. I saw many couples divorce, argued and some simply disappear, leaving the other half to repay the now much depreciated flat.)
( my choice of not choosing bankrupt means the next 10 years one works for pure job satisfication. Minimal material reward. )
The most important thing is still your own health and your relationship with your family.
I lived in squatter area in Wong Tai Sin, 7 people in 200 sq ft. ran up and down the Chuk Yuen road , kids just urinated on the street, played around the reservoir, no problem, good neighbours, very happy time. Now I lived in a very expensive estate, I do not know any of my neighbours, my kids played with the computers and I do not own my unit….
十月 21, 2009 at 5:09 pm
Thanks for your sharing of this important and thought-provoking message.
十月 21, 2009 at 5:16 pm
Don’t be too upset on your property loss. I also had one of my 2 properties being negative equity. Now after 12 years, both are paid-up although 1 is still only 80% of my purchase price today…
十月 22, 2009 at 11:22 am
Lee hing, I have passed the upset stage, out of my property adventure, I learn the cost of some simple decision can be huge.
I just don’t want this to repeat in the younger people (here or there).
The message is simply one has to be responsible for one’s decison ( which could be stupid and dangerous.) Plus after the many years of hardwork, it is those non material reward that counts.
Stay healthy, both physical and mental, accept that one’s adventure can up and down , learn from it; that does not cost much.
If one has the extra ”power” one can do some advocation , speak for others ( like dr fat.) do some analysis (both sides) , brigthen others (me) up eg Martinoi, Johnson, Hok Bun. …
It is interesting to see how different generation see things, yet down to the core, is still repeating the main theme, (or mistakes, or values.)
Anyone has a clear mind to re cap all these passionate comments…..(feel the anger, the probe, the reasonble and unreasonable …. )
Well done dr fat, draw so much out.
十月 21, 2009 at 5:11 pm
有種過來我博客打，咁簡單，我對五毛黨立場係咁簡單。
十月 24, 2009 at 11:42 pm
sorry各位,我上個同呢回應都係離題.
上個回應係想回應網友n.
但因為我唔係好熟識dr fat個blog,所以我上個回應好似好自成一閣.
唔好意思,出左2個離題回應.
十月 25, 2009 at 4:32 pm
小弟只係普通打工仔一名,月入萬多, 一個人供緊一個新界400呎單位, 兩年前買入90萬元, 首期比左35%,現在月供3千幾, 仍要比家用父母, 平日都要節省開支,先再可以儲到錢。聽到你班專業人士,個個話樓價貴買唔起樓, 你地講既係咩樓先? 唔該講野中肯一點, 講你地負擔得起的樓盤,大把選擇, 如果要住西九龍d豪宅, 真係要照下鏡問下自己, 果d樓係你地買既咩? 呢d豪宅主要係內地有錢人買, 當然香港亦都好多有錢人買得起, 就什麼補習天王已係可以, 你地自己冇辦法搵到錢買豪宅, 又唔肯降低要求, 就望政府推冧個市, 呢d係咩心態呢?
我再想講現在青少年買唔起樓問題, 唔該你睇下時下年青人係點樣超前消息, 個個手挽數千過萬既名牌袋, 全身名牌衣著, 每星期吃喝玩樂, 如果佢地只係普通打工仔一名, 咁樣使錢法, 就算幾十萬一間凱旋門,佢地都唔會買得起。
十月 27, 2009 at 12:24 am
又係五毛黨，人家說的是連九龍的普通樓也買不起，關豪宅甚麼事。
真是混帳。
十月 27, 2009 at 9:58 am
唔該你用下腦啦, 人家指買唔起既唔係豪宅係乜呀?九龍樓200萬你比我做你生意,幫你去搵丫, 要幾多都有, 你要新樓,又要會所,要求多多, 但又要付出少少,有可能咩呢個世界?
十月 28, 2009 at 11:13 am
I just want to know, HOW did you pay for the deposit of the flat……
Really, just curious.
Please tell me, ‘how did you pay for the deposit?’ That was a HUGE sum of money (HKD900 000 x 0.35 + misc. expenses including commissions, lawyer’s fees=>HKD300 000)!!!
If you earn HKD19 000 per month, that is more than 16 months’ salary!!! (AND, AFTER the necessary expenditure (e.g.: food, transport, rent, etc.), I doubt how many decades it takes to save up that amount!)
十一月 18, 2009 at 11:49 am
A few questions:
Please forgive me if you mind (but I hope you don’t), Alex!
From your message, I reckon you have got much less financial burden than I have……
Anyway, my family strongly relies on my income, so even if I earn quite a decent income (of course nothing comparable to Doctor Fat, haha.
), I still feel quite a lot of pressure. *SIGH*
Well, back to my question. As you said, you paid approx. HKD300 000 as deposit of your flat. I have no idea how many decandes you have saved up the money to make this amount or how your stock investments helped, but I really wonder HOW you could save up that much. Can you please tell us HOW you could reach that exceptional achievement?!?!?!
I am really interested in it.
For me, 400ft is not enough (I am not living all alone), and as I need to pay my family and repay the debt arisen by my tertiary studies, as well as insurances, transport expenses, cost on food (well I can cook at home for dinners and breakfasts, which is cheaper and healthier, but for lunches, I HAVE TO eat out as there is no microwave ovens in office), course fees, NECESSARY social costs (well, tonnes of wedding reception invitation received these few months!!! Gosh! Of course, they are my good friends, I have to attend anyway.)…… And except for rents, electricity, town gas and water are also necessary expenses when you need to support your own living.
Well, frankly, there is not much left afterwards. I sincerely want to know, are there any tricks to save up money? Or say, how much do I need to squeeze from my tight budget each month for how many years to get enough money for the deposit of any suitable flat? AND, what if when I am *finally* able to save up that amount, the prices of flats have risen a lot again??? HOW did you plan it before???
十月 27, 2009 at 5:13 pm
五毛黨又在狗吠了，你看清楚肥醫生的原文，他一直在說普通樓貴到第四代香港人買不起，並沒有說豪宅。
唔該下次要為主子吠的時候，看清楚原文。
十月 27, 2009 at 11:40 pm
人地講個位醫生亂噏自己買唔起樓($6-10萬月薪你去證明一下佢一生人點樣買唔到香港九龍新界離島是但一間樓先好”吠”, 除非你係咒佢得番幾年命啦),唔係講第四代過班,唔好懶醒唔切先得.
話人什麼五毛黨咪以為好威, 不過點都好過個班五無黨 – 無知, 無能, 無錢, 無工, 無前途.
十月 28, 2009 at 5:57 pm
又一個唔敢出真名的沒膽匪類。你自己估量一下像肥醫生這樣的低層醫生有沒有可能每月賺十萬！
十月 28, 2009 at 8:56 pm
噢,你話我及呢道大部份人唔緊要,你連你主人肥醫生都鬧埋就真係唔啱啦. 仲有,邊個話你知一定要用真名呢? 用筆名的作家又是否正是你所講的”沒膽匪類”? 你又憑什麼話人呢? 一d意見都冇發表過又是否”沒膽匪類”定”沒腦犬類”?本人起碼都指出醫生話自己買唔起樓(沒有時間/地區/樓盤限制下)是荒謬.
文中冇講肥醫生是什麼層次,不過有醫生係10萬一個月就得啦,你唔知就唔好企圖汪汪兼乘機踩肥醫生一腳話佢低….啦
十月 28, 2009 at 10:15 pm
部分用筆名的作家起碼是公眾人物，比你這種五毛黨死左狗更有承擔，如果你自認為自己的言論無問題，為甚麼沒膽用真名？因為你驚自己的言論被人駁倒，方便自己逃之夭夭，所以才不用真名。
其實你有沒有認真看過肥醫生的日誌，了解他的生活狀況，不然怎麼會寫出這樣無腦的東西？
十月 28, 2009 at 10:51 pm
低質素既只會出垃圾:
1. 用唔用真名同意見的質素完全冇關.
2. 用唔用真名係個人意願,唔係法例網例肥醫生要求.
3. 無人(包括你)亦唔可以證明俾人睇係用緊真名, 咁你係道吠咩呢?
4. 肥醫生佢姓肥叫醫生呀?BLOG主都唔用真名你係道扮咩野係道叫囂?
5. 你有興趣了解佢係你既事,篇文冇交代係事實. 留言係針對篇文唔係佢其他野. 我寫6-10萬係個RANGE,而且無論6萬定10萬結論都係一樣. 你無野講就唔好寫埋D無POINT既廢話.
6. 講咁耐始終對題目一D意見都冇,唔敢講定唔識講呢?
十月 28, 2009 at 11:26 pm
7. “部分用筆名的作家起碼是公眾人物”,咁唔係公眾人物又用筆名既作家咪符合你所謂”沒膽匪類”?! 簡直語無倫次!
8. 我只怕的是係駁唔倒,但你就係咁係道獻醜…
9. 從幾個留言中可以見到某人既五無 – 無邏輯, 無見地, 無SENSE, 無事生事,及無聊.
好心努力工作儲錢買樓好過噏三噏四啦.
十月 31, 2009 at 5:11 am
Re: Pans
4. EVERYBODY here who is not an illiterate should know Doctor Fat’s real name!!! (At least his English name + surname is knowwn to all of the real readers here.)
十月 31, 2009 at 8:55 am
Everybody should know Doctor Fat’s real name?
1.What evidence you have on hand to support your statement?
2.Have you done a survey to prove this?
3.What are real readers? Is there any false reader in logic?
4.His/her name is not mentioned in the passage. Please do not make inappropriate and unreasonable assumption that readers can dig out the name.
5.Doctor Fat is not a public celebrity, please do not overestimate him/her based on your own imagination.
6.We are talking about the nickname used here. Even you know his/her name, so what? That is another story – he / she is still using nickname in the blog.
7.Have you ever seen that ALL people are using real names in the public forum? How can you be so sure that those are really real names per their ID card? Have you checked Doctor Fat’s ID card to verify?
How come people are so illogical and made so many ungrounded attacks which really reveals one’s ability to think and analyse things.
十一月 1, 2009 at 7:53 pm
‘創世紀’ 的許文彪說得好!
http://www.youtube.com/watch?v=9hkbmVdhphw
香港人只想有一間屋仔, 安安樂樂過日子.
十一月 2, 2009 at 11:09 pm
那個正在自瀆的Pans，難道你真的以為大部分第四代香港人有能力一個月賺十萬？而且對樓要求多多？如果是這樣，建議你去看一看精神科醫生了。
十一月 6, 2009 at 2:29 pm
有人對肥醫生之文章作以下回應，奇文可共賞，我姑且轉載至引諸君一笑
”這個肥醫生肯定是亂 up!
買層300萬嘅樓,月入五萬每個月供萬二都供唔起? 佢平時一定好大洗! 咪話300萬嘅樓, 600萬銀行都借俾你,因為你都供得起!
300萬嘅樓港島區大把,都可以買到樓齡廿年內嘅屋苑,除非你一定要住半山山頂,咁我就冇辦法!
做醫生一定要住港島? 乜新界冇診所醫院咩? 咪話我聽响新界做嘢嘅醫生响港島住返工方便啲! 新界都唔知幾多有錢人住! 點解一定要住港島咁偏見?
邊個話深水埗係貧民區? 三四十年前深水埗係中產區,我都係深水埗長大嘅! 後來果區啲樓舊咗,有本事嘅人又搵到錢搬咗去新區,淨返啲窮人响度住. 依家舊區重建,有本事嘅人買一萬蚊呎樓搬返入去又唔得咩? 乜幾時香港要劃咗啲區要一定俾貧民住?”
”咁呢位所謂”醫生”兩公婆畢業多年仲係加埋搵五萬蚊個月(即係每人兩三萬), 我真係好想知佢响邊間醫院做咁折墮!
邊個先進社會唔洗攞入息三份一供樓? 你搵到例子再話我聽!
乜佢唸住做醫生做多五七年都仲係搵兩公婆加埋搵五萬?? 佢第日搵二三十萬一個月都唔好買豪宅呀笨!
藍田土瓜灣大把二三百萬嘅大屋苑或十零年樓,你唔住要住到天水圍, 我都冇法!”
”我好想問下呢個肥醫生, 响邊個國家買樓唔洗俾首期? 邊個先進國家讀醫科唔洗俾學費? 考專業試唔洗俾錢?
香港借錢買樓可分三十年供, 利息做緊 P-2.9, 就算 P-2.5 都只係兩釐半咋! 三百萬在港島九龍區買 $4500 呎的樓多的是, 可以買六百幾呎兩房單位! 你一定要 300萬買豪宅我就冇辦法!”
以上係一位自稱炒樓十數年的仁兄所寫，佢一直認為所有人希望重建居屋或者買樓置產都係想”投資保值”，安居棲身反而係其次，而從上文可以睇到，佢翻來覆去論點都係得一個：有樓你自己嫌三嫌四唔住之嘛！但正如許文彪講，好多人想要的只不過一楝好普通的樓，但點解要用幾十年時間去供？因為Ｄ有錢佬玩野囉！越有錢越有得玩囉！
十一月 6, 2009 at 9:07 pm
不如大家再仔細分析一下呢.
樓價會上升亦會下跌,其實係高位時刻睇當然係高.撞正而家要買樓當然吃力.但是係03年及08年尾,又是否算低?事實上根本沒有一個大家都認同的答案,始終俾錢既唔會嫌平,唔同收入既人亦會有唔同準則.
回想我細個時,買樓都係講緊幾十萬,但係當時人工就大約都有幾千蚊,供樓比較上仍相對輕鬆.不過,一樣有人買唔起,所以有板間房,廉租屋,公屋等選擇. 加上當時股市暢旺,有人寧可租樓用錢買股回報比買樓高幾倍.可以見買樓其實一直都唔係”住屋”既唯一/最好選擇. 租樓亦唔代表冇屋住/被剥削.
樓唔同一般商品,係可以係二手市場自由買賣,所以係一種類似股債黃金石油既投資工具,唔同的就係樓對人既衣食住行之一,有著最切身既關係. 不過,既然樓係有投資既性質,就會有被炒高壓低既風險,而買樓亦絕唔係純綷住屋既決定 – 唔計短炒,至少係一種長線投資,因正常供樓係10-30年而絕唔係幾年內既事.
但升跌既速度絕對同炒賣及經濟週期有關. 無可否認炒賣令樓價急升,造成唔同既社會現象/問題. 但炒賣只可以降溫但絕沒有可能禁止,而且市場有機制自動調節,政府出手只可在非常時期 – 要留意, 負資產既影響遠遠超過高樓價問題, 而在兩者中取平衡係要有能既政府先有膽有能力先做到.
相反,既然買樓係一種長線投資,買家一定會望回報. 如果樓價唔係點升,自然買樓既吸引力大減.假設樓價永遠唔變,再假設你有100萬,你會用嚟買樓定租樓然後買股買基金做生意?就算係第一至第N代既香港人多數都未必會買樓. 冇人買樓而人人都去租樓,少數業主自然在供求失衡下會狂加租,到時$10萬一個月租金唔係人人俾得起,到時可能又會引致另一個社會”議題” – 無良業主狂加租,政府要出手打壓…
更極端情況,係當樓唔可以轉讓,咁就唔會再有炒家.
而且大家要緊記,社會有錢人遠遠比我們想像的多,比以前年代的多,所以樓價高下仍有人買正是此原因. 除炒股炒樓發達既人及阿爸剩落個d,舊時邊有Ken sir等咁多年薪過千萬既教師? 以前又唔興俾幾萬蚊做facial減肥,幾百蚊飲成本幾十蚊既酒,d錢咪去晒d醒目既”生意人”囉. 正當豬牛肉原料等不斷上升之時, 大家有冇反問咁人工呢? 點解唔會相對增加? 各位有沒有諗過僱主間接”剥削”了打工仔呢? 總總因素下, 我們買不起唔會自動代表樓價過高, 而是貧富更加懸殊了.
第四代人買樓既困難,任何一代都要面對. 從來都不是輕易儲幾年錢就搞掂,只不過越後代越吃力. 是否不公平? 很難說, 因社會根本是不公平. 回想起第一代香港人,他們是否人人有書讀?是否人人屋企有冷氣?是否有PS, MP3…., 就算同一代,你的朋友可能有父母供出國留學送樓,樓價高低完全對佢冇影響.
好了,大家不認同上面既意見唔緊要, 目的只想在你們圈子裡帶出另一角度既諗法及考慮. 總括來說,本人亦絕對贊成樓價升過急是不健康,政府理應加重炒樓成本以揭止過份炒作,從中可增收入;另外要積極趕走濫用社會資源既公屋富戶(而唔係加租)及將公屋出租牟利及空置浪費的人. 重建居屋就難講 -有利亦有弊,因 涉及唔同人既利益. 但要政府出手推冧樓價就絕對不應不能亦不會.
在樓價高的日子,加上加息將至,而政府又”無能”又無為下, 大家不妨積極一點,看成為”樓價跌的來臨”,繼續努力賺錢,等待有能力而樓價又係你想既時候買樓吧.
十一月 8, 2009 at 12:29 pm
Huh?! ‘負資產既影響遠遠超過高樓價問題’???
That is just YOUR VERY OWN opinion!!!
Actually, given that the unemployment rate does not rise, 負資產 is not really a problem AT ALL! Those 負資產 would become the owners’ property and wealth later anyway (unless the flat depreciated until it becomes totally FREE). The hardship will soon be over, unlike if the price of a flat continuously rise, MORE AND MORE PEOPLE will suffer the hardship, not for a while, but for like twenty, thirty years!!!
AND, do you remember the REAL REASON of 負資產? That is exactly the 高樓價問題! The 樓價 being too high is the ROOT of all such problems!!!
Thank you!
十一月 8, 2009 at 4:26 pm
負資產問題係樓價大幅下跌, 而唔係樓價幾多. 50萬樓跌30萬都可以叫負資產.
你知唔知什麼叫”call loan”?
你知唔知什麼叫”銀主盤”?
如果銀行唔call loan又唔係失業就問題不大.
但如果call loan業主唔係有錢還差價,層樓/之前既供款會冇咗….咁就慘.
物業貶值,公司損益表會反映為損失.
據C生話,6成人係業主,1成人係非業主,你估邊個影響大D?
另外,香港GDP 由97 至08 升了50%, 但樓價只是同97差不多, 你憑什麼說樓價過高? 只是貧富更兩極化, 多了有錢人買豪宅, 及多了窮人買唔起樓, 要租樓. 你供唔起但大把人唔駛供都叫過高?
點解D人冇錢係都唔租樓/買自己有能力供既樓呢? 請講一個合理的原因吧.
十一月 6, 2009 at 11:05 pm
看見上面的留言，不禁呆了一呆，大家都只題討論罷，是否持反對意見的就是五毛黨？那跟中共有甚麼分別：凡向外國訪問的就是反中亂港的外國勢力？
說回些relevant的
首先，若說醫生連一層樓也買不起，實令人難以置信，我不懂複雜的計算，甚麼首期，稅項等等，現實情況告訴我，我的親人，一位普通的打工一族，新婚約半年後成功置業了。我並非質疑電台女醫生／肥醫生／其他人的論點，然而，我看討論的焦點並非放在醫生這些專業人士上。難聽點說，那些專業人士已受了政府的津貼夠久了(小弟現在亦是受這些津貼)，再要求政府幫助，真的合理嗎？真正要罵政府的，是她忽略了社會上最需要幫助的一群！那些低收入，低學歷，低技術但卻長期被忽視的人！那些人才是真正的連一片瓦都沒有……
十一月 7, 2009 at 9:44 am
推介一篇值得多看的文章
“蔡子強論置業在港島的迷思”
http://property.mpfinance.com/cfm/pb3.cfm?File=20091106/pba01/1.txt
重點:
- 對為何不少市民認為一定要在港島區置業，表示不能苟同，更指這更反映一種思維方式的問題。
- 因為很多第四代人，由細到大目睹過不少第二代人，透過在港島買樓，因而賺得人生「第一桶金」，晉身中上階層，亦因而成了自己的模範。
- 不同意把搬入新界住說成一個很委屈、很無奈的選擇。
- 如今年輕一代，受到董建華、羅范椒芬等那個年代，大專教育私營化的錯誤政策所累，導致負債纍纍，再加上經濟結構轉型，社會階層向上流動機會大大放緩，導致他們經濟狀況與上一代的大學畢業生，根本無法相比。
- 大前研一的結論，是建議大家租房子或在市郊購屋，總之拋開傳統世俗買屋的框框和迷思，為自已設計一種全新的住家和生活風格，把資源釋放出來，讓自己生活得更充實、更精彩。
- 很多年輕人接收了「第四代人」、「下流社會」、「M型社會」等概念，但卻沒有認真消化當中的反思，仍舊以「第二代人」的行事邏輯、遊戲規則，以至成功指標等，來審視和衡量自己的生活，結果只會弄到自己活得不開心，滿肚牢騷，甚至挑起一場世代戰爭。
十一月 8, 2009 at 1:05 pm
蔡子強的文章很消極啊。我不知道那女醫生為什麼想買港島區的樓，但總不能胡亂地假定她以為自己”晉身中上階層，亦因而成了自己的模範”吧? 問題當然複雜，但我認為，其中一個根本的問題是: 一個人（家庭） 要用數年的積蓄，才可以付上首期，然後要花一輩子的工作，才可以全數付清本金加利息，然後擁有一個安居的地方，到低合不合理?
十一月 8, 2009 at 4:01 pm
>大前研一的結論，是建議大家租房子或在市郊購屋，總之拋開傳統世俗買屋的框框和迷思，為自已設計一種全新的住家和生活風格，把資源釋放出來，讓自己生活得更充實、更精彩。
>香港好多人(唔係淨係大陸人)買樓唔駛做按揭.
>有錢買大D近市區, 冇就量力而為.
>一般人都要供15-20年樓, 唔係而家先係咁.
>唔合理係什麼定義? 你賺2萬買800樓一定供得辛苦. 你買100萬樓就唔使供成世呢.
十一月 7, 2009 at 12:13 pm
社會問題往往複雜而不是單一原因. 所有遲一代既人,在社會經濟沒大進步下,因工作及晉升機會愈少,一定會比上代平均貧窮 (即上一代醫生住半山完全唔代表下一代醫生一樣可以, 或上一代專業人士係下一代嚟講可以變成平民一個而唔再有什麼特別地位). 90年代有人已”被迫”或”自願”下到祖國工作,甚至落地生根,佢地總算找尋到賺錢機會. 可是,現世代有人認為住新界,甚至深圳是所謂”委屈”以及”有冇搞錯”.遲d當失業率再升,香港全冇工作機會時, 第n代人又會跳出來投訴政府好膠,唔提供足夠就業機會,人地叫佢去大陸發展就等如叫佢去死一樣, 但佢地可能唔會想下而家幾多鬼佬CEO正趕學習普通話爭取機會…
大家以為教育普及,人人皆大學生,對自己既”應有”生活有”理想”要求, 但在工作機會飽和下,一部份人其實只能賺取舊時中五畢業既人工, 但心智仍然有著執著但不合理既要求. 以前中五畢業既父母有幾可聽到要同阿爺講要獨立搬出嚟住?以前一家十口大家生活都算和諧,結婚同父母住可照顧仔女,同阿爺阿嫲住既開心日子現在已不復再; 對於第四代人話大個搬出嚟住係天經地義就不明所以,有能力就話有選擇,冇能力就要自量. 樓價係較高但自己既能力及收入又點?
一代比一代反叛自我正是問題所在, 希望大家想一下是上一代人”沉默”及”戇居”定係新一代人思想上有偏差呢?
十一月 8, 2009 at 11:32 pm
樓價由03-09平均每年升20%,同股市既30%比較下從投資角度看似ok. 但而家係香港打工既晉升機會大不如前,如果市民冇升職的話,人工是好難追到樓價升幅. 也正是現在剛出來工作的第四代想買樓既人的問題. 有人怪樓價被大陸人弄高了, 但香港經濟實在很需要祖國的支持.很無奈,資金去了地產商而暫時並沒有惠及中下層. 政府又要高地價支付人工基建醫療教育等支出. 要改變除非加稅. 無可否認, 樓價升了, 基層既保障(公屋)底線應相應提高, 否則他們便是被遺棄了. 但非基層的人(如醫生律師等), 買/租樓應看自己能力,努力儲錢(儲首期一般人肯定唔係幾年內既事),及留意樓市週期(跌先買), 如只怨樓價升了很多, 怪40年前10萬也可以買香港樓的話, 那怕永遠也買不到樓.
十一月 8, 2009 at 12:13 pm
Crazy!!!
You have totally distorted what Dr. Fat said and what we have been experiencing!
Tell you what, I am living in Fanling now, and it takes nearly FOUR HOURS just travelling to and from work EVERYDAY. And the transport expenses EVERY SINGLE WORKING DAY is at least about HKD40.
I work in Wan Chai now, and I have no choice (except to quit my job!). I live in Fanling and the rent is still not low for me, ~HKD5000 per month, but this amount is just a bit more than enough to rent a tiny studio in Wan Chai.
Is this what you are referring to as ‘反叛’ or ‘叫佢去大陸發展就等如叫佢去死一樣’, Sir?!
You know what is the problem with going to work in China? The salary!!!
RMB3000 per month is already not bad for a U grad. in most cities in China, but it is not even enough for the payment for Grant Loan, even if the family does not need 1 cent from the already-twenty-sth-u-graduated-adult-working child!!!
Long ago, HK professionals (or just u grads)could get a much better package (expat. package) if willing to work in China, but now this is no longer the case!
Yes, you are correct on one point, that is, IF a person works in China, due to the lack of quality manpower there, they can climb high much more easily, so in ten years they may get their deserved income. But how about NOW? If they can’t even feed themselves, HOW can they go to work in China?
十一月 10, 2009 at 10:45 pm
Frostig, you tell the cruel truth.
十一月 17, 2009 at 6:06 pm
Thanks, just I don’t know why so many people refuse to see the reality……
Maybe just too cruel for them to see.
For me, I understand very well that my salary is already higher than at least half of the population here in HK (it is not to say that my income is high, BUT the income of most HK people are just unreasonably low!); but still, the rent is a heavy burden to me, and most HK people can’t move out from their family (even until quite a mature age…) due to the high rents. And the dilamma is, if you need to move out, then it is much more difficult for you to save up enough money for the deposit of any flat (please note, just ANY)……
P.S. The gap between the poor and the rich in HK is just SO huge!!!
That is why the extremely rediculously expensive flats could be sold……
十一月 11, 2009 at 12:02 am
- HK$5,000 rent is not considered high when compared to rental for a room which is around HK$2,000 dated back to 10 years ago.
- $40 per day of transportation is just HK$1,200 per month, and only around $600 higher than those living in HK/Kowloon. A bunch of flower or a good dinner buffet with gf already costs more than this.
- Not sure if you are married. Renting a flat before marriage is definitely unnecessary. Saving $5000 per month already helps a lot, in particular in settling those loans.
- Travelling from Fanling to Wanchai takes around 1.5 hours, 2 hours may probably be overstated. Transport from Mid-level to Causeway bay can take more than 45 min but the rent is talking about HK$50-100K.
- Provided that there is tax equalisation by employer, working in China allows people to save a lot more money, and prospect is much better than in HK for sure.
十一月 11, 2009 at 1:25 am
To give you an example, a friend of mine lived with parents and saved money very hard for 10 years since the first job – no LV/luxurious brand things, no i-phone or latest-version mobile phone, no pub / clubbing, no car, no rental, spending only a few thousands each month. Ultimately got accumulated to $1.5M for the first flat and budget for marriage. $1.5M /10 years is just around $150k each year, or $12k per month. Given the fact that there were promotions / increments, and investment gains, such target is not unattainable within the reasonable period of 10 years.
Please note that rental of $5,000 * 12 * 10 years = $600,000 already! Don’t blame others if you choose to waste money like this, which is typical for most 4th generation people.
But honestly chance is less and less for next generation and no one can / should help you except yourself. It is good to voice out, but please do not just dream that you can change the world without doing anything constructive. Think if you are really 100% correct in any sense, and better adjust yourself to adapt to where you are.
十一月 11, 2009 at 10:18 pm
This is an exceptional case. I wonder if more than a few percentage of the youth population can do as good as and better than this 人辦.
十一月 11, 2009 at 10:26 pm
This is an exceptional case. I wonder if more than a few percentage of the youth population can do as good as or better than this 人辦.
十一月 17, 2009 at 6:11 pm
HKD120 000 per month?!?!?!
HOW to save up such a huge amount???
Can you realise the fact that for many people, their salaries are even less than this amount, or just around this amount? Even if you earn HKD20 000 per month, the MPF, transport, food and such neccessary expenses including tax, insurance, etc., it is rather impossible to save up that much as you said!
十一月 17, 2009 at 11:03 pm
12K = 120,000
你駛唔駛驗吓眼先? 定你唔識英文”K”代表什麼?
儲12K一個月,當然要20K或以上人工. 你賺唔到唔代表有問題. 有問題係自己能力/際遇而已. 亦冇人會在意/理你儲唔儲到, 包括我地既政府.
十一月 18, 2009 at 10:44 am
Sorry, typo! Thanks for this clarification for me.
By the way, you should check your eyes, true.
It was talking about A COUPLE saving up HKD 12 000 per month, not ONE PERSON in the above ‘legend’ told by Mr. KL.
AND, I have been stressing for the case of a NORMAL HK resident, as the median monthly income of a FAMILY in HK is just HKD20 000+. That means MOST HK people would find it very, very difficult to save up that much per month (given that the parents do not subsidise that much to them).
Of course, if you want to say that ‘SOME doctors earn HKD100 000 per month’ blahblahblah, of course they should be able to save up HKD10 000 per month theoretically; but we have ALWAYS been talking about the usual cases in HK, not about the highest quartile in this sick society.
For me, although I don’t want to disclose so much personal information, I can tell you that my income allows me to pay for the rent and to pay my family without problem. So, thanks for your concern and please really don’t worry about me.
Thanks so much!
十一月 17, 2009 at 7:01 pm
P.S. (MORE IMPORTANT in fact)
If you are already earning your own bread then you are no longer entitled to live with your parents FREE! Or say, if you really do so, the amount saved from the rent is not what you saved, but what YOUR PARENTS SUBSIDISED you!!!
If you have already grown up and are earning your own living, it is ashamed for you to STILL rely on your pareants (financially), as this is just taking advantage from your parents, which is really cheap. At least you should share a reasonable proportion of the rent, then it is
And just say, if you live in a public housing estate, an addition of your salary would probably increase the rent of your flat A LOT, so you either move out (or DECLARE moving out, but then you LIED and kind of violated the law) of the flat, which makes it necessary for you to rent a flat (or share a flat with some friends, I don’t care!); OR you pay for a part of the rent (the difference between the new or the old rent or a certain proportion of the rent)……
THEN, still, there is a part of your income going to the category of ‘RENT’.
Otherwise, you are just a parasite in your family by escaping from your responsibility of paying for the rent!!!
AND, not to say there are many families who can (are able and willing to) support their children (financially) to such an extent until forever!!!
十一月 17, 2009 at 11:12 pm
如你阿爸出租房/牀位賺錢既話你係啱既!
如你冇俾家用你係啱既!
唔係既話,你咪錯囉 (公屋戶除外 – 除非咁”幸運”)!
十一月 18, 2009 at 10:15 am
Reply to 費解
十一月 17, 2009 at 11:12 pm
Thanks to agreeing to my arguments!
Yes, can’t you see that the guy above mentioned a case of ‘a couple saving up HKD12 000 on average per month’? I reckon this is only possible for lucky people with comparatively high income AND with definitely no need to 俾家用.
And for your information, I myself had to move out as we used to be living in a public housing estate, and my name needed to be taken away to prevent paying for the much higehr rent, so I had not many choices but to move out.
If you think it is ‘幸運’, ha, thanks, but I frankly don’t think so.
十一月 12, 2009 at 12:21 am
These passages reveals the nature of our 4th generation – no vision, no ambition, heavy reliance on others and keep complaining this and that with no constructive solutions.
HK$1.5M is just nothing. I know a doctor who got $5M cash after 5 years, resulted mainly from saving and somesignificant gains from stock market.
If you guys rent apartments for so-called “control-free” life from parents, buy a lot of expensive trendy things to show off, go to pubs / karaoke more frequent than anywhere else, while making such little money and without stable jobs, that is totally a loser way of living which explains why you can never succeed in saving any money for downpayment.
Plus the fact that if you guys bear so many family burden, govt loans, study loans etc.., please don’t be so greedy and dream for a decent flat without settling all these. Our “super” govt is not obliged to help you sort out all this, nor guarantee you a flat.
You have your brain and hands to sort out all personal issues if you do not consider yourself at the bottom level of society.
十一月 17, 2009 at 6:16 pm
Ha, talking about ‘exceptional cases’……
I also know a doctor who worked SEVEN DAYS a week, about TEN HOURS per day for at least FIVE YEARS (except sick leaves or really huge things) to earn enough money for a more ‘decant’ life.
But I frankly wonder, is it the kind of LIFE you (or people like you) would dream for?
I don’t want such a ‘rich’ life, sorry!
AND, it is not about ‘having an independent life’, BUT even if you live with your parents, you should contribute to its rent as well. If your parents exempt you from this neccessary expenses, this just means that your parents are very nice to you, AND you are somehow a parasite in this family!
十一月 17, 2009 at 10:33 pm
第四代人果然思維另類.
同屋企人住就一定叫做”寄生蟲”?
你沒有俾家用嗎? 你屋企出租牀位嗎?
俾家用同屋企人住父母都唔知幾開心,佢有什麼蝕底呢?除非佢地係租房/牀位賺錢啦. 公屋問題就當然另計.
你呢班不自量力既人以為搬出去住就叫好醒好威好有道理? 最後儲唔到錢咪自己自受囉”大花筒”,哈哈!
十一月 17, 2009 at 7:50 pm
P.S. ONE thing is right: heavy RELIANCE on others
YES, they RELY on their parents so much that they stil live with them after starting to work!!!
But it is what some people (just above) suggested!!!
Or in other cases, we are just incapable of moving out due to the low income!!!
十一月 17, 2009 at 10:56 pm
不善理財也值得一讚既話,此乃一人辦也!
除非搬出嚟住可以逃避俾家用的話, 哈咁仲衰, 錢一樣要駛但就正一不孝啦!
十一月 18, 2009 at 11:01 am
Such 人辦s have VERY contradictory points, haha.
First of all, they think that even after leaving school (starting to work full-time), they do not need (and even ‘SHOULD NOT’, I can’t understand why…) move out from the family, SO they can save up more money to pay for the deposit for buying a flat TO MOVE OUT.
First, if you are resposible enough to pay for the reasonable proportion of the rent of your family, even if you don’t move out, it does not save a lot.
Second, if you insist the children of a family should NOT MOVE OUT from the family, WHY bother buying a flat? Unless you are buying a flat to rent it out as your investment then……
THEN, if it’s the case, it is not what we are talking about here.
We have been talking about the BASIC NEED of accommodation, not about BUYING A FLAT AS INVESTMENT!!!
In fact, many of us have stated the important point, that is, it is unnecessary to buy a flat, but even to RENT a place to live in, it is VERY expensive, even too expensive for most of HK people. From statistics, half of HK families earn less than HKD20 000+ per month, and the normal rent of a little flat is already HKD5 000+, which accounts for a rather large proportion of their total income already!
By the way, even if you say one can continue to behave like a student, to live with his family without moving out; but it is rather impossible for most flats in HK to accommodate so many more people after the child gets married and having his own children……
Then, HOW can they NOT move out, still???
When somebody replies, he just ignores the reality.
What a shame!
十一月 18, 2009 at 11:04 am
Typo (AGAIN!!!), sorry!
First of all, they think that even after leaving school (starting to work full-time), they do not need ^to (and even ‘SHOULD NOT’, I can’t understand why…) move out from the family, SO they can save up more money to pay for the deposit for buying a flat TO MOVE OUT.
十一月 12, 2009 at 1:31 am
供樓負擔比率仍健康
http://property.mpfinance.com/cfm/pa3.cfm?File=20091111/pab01/p31850.txt
政府公布截至今年第二季，按年的平均按揭還款與入息比例為34%，與去年相若，較97年比例則達87%。據美聯物業資料研究部顯示，最新10月份供樓負擔比率為32.4%，僅較去年底微增5.4個百分點，保持約3成的健康水平，自05年至今一直徘徊於26%至35%左右的水平反覆橫行，並遠低於97年最高位93%。
另一方面，除了以供樓負擔比率來衡量現時的負擔水平外，當中計算因涉及利率變化，故此撇除利息因素的「住宅價薪率」作分析，亦能反映現時的樓價較97年為低。以10月尾樓價平均每呎約4,313元，假設買家購買一個面積500呎的單位，資金需要約216萬元，再以入息中位數24,000元計算，年薪即288,000元，而該單位格價相等於家庭年薪收入約7.5倍。
反觀，97年第二季高峰期樓價曾高達平均每呎6,208元，同一個面積的單位，當時資金需要約310萬元，惟當年第二季居於私人物業的家庭入息中位數較目前為低，約20,600元，而全年收入即247,200元，故該買家需要支付12.6年的家庭年薪才可購買物業，反映目前家庭收入用作買樓支出較97年為低。
十一月 12, 2009 at 2:48 pm
樓價升得過急對整體社會發展有負面影響,財富全都去了發展商,政府,及炒家的口袋裡.
買樓越加困難,加上貧富更加懸殊,更多人跌落基層需要政府出手幫助.
至於於最富及最貧中間的市民,明白業主與非業主當中的矛盾,各有各立場及難處,重點是要明白樓市規律,市民自己及政府的角色,及社會上存著不同人既訴求. 對於解決不了的問題, 最後要明白從來環境係唔會遷就人.
十一月 17, 2009 at 6:22 pm
要明白從來環境係唔會遷就人?!
Are you a human???
WHAT are you talking about?
So, just because somebody who had power changed the 環境, so we should 遷就 them by not trying to fight for justice?!
十一月 17, 2009 at 10:45 pm
從來只有人去適應環境,但唔代表唔可以投訴.
但如果”現實無法改變”,人就要改變自己.
淨係係度亂噏投訴有咩用呀! 仲有,你有咩事實証明你噏既係”JUSTICE”呢?只可能是你自己誤解既個人偏見而已.
你咁既思維…事事憤世嫉族, 自以為是, 想升職都幾難啦!
十一月 18, 2009 at 10:31 am
What 費解 said is really 費解 to any logical people, which means the name was really a vivid discription of his illogical mind.
I have already stated why it is unfair to say the biased judgement above, and he didn’t seem to be able to understand.
It is really unjust when the people of older generations were (have been, or even are still) everywhere controling and shaping the environment (for your information, in case you can’t understand this word, this means 環境 in Chinese) so that the environment 遷就 themselves and stops the late-comers (the younger generations) from getting reasonably proportionated benefits from it.
In such a case, can anybody with conscience call the society one with ‘justice’?!
Crazy!
P.S. My subordinates always find me a reasonable boss and they love me, for your information. And I doubt with such an illogical mind, you would ever be able to reach a position with ANY single subordinate AT ALL…… And probably that’s why you feel so desperate, I understand it. Don’t worry, maybe one day you can tell an office assistant to work for your supervisor so you’ll feel the ‘power’ even outside this virtual world.
Gear up and don’t give up, dude!
十一月 14, 2009 at 2:22 am
胡鴻烈說，做學問，要博，才有能力看正、反兩面，活出自己。
那烽煙醫生，閱讀不夠博，視野也就窄，董建華年代，八萬五政策，以為人人有樓，結果個個捱苦。
年輕人不看西史，眼睛只有利益，得不到也應該。
「讀醫，出發點不是醫人，是睇中（看中）那份收入，受挫折，應該的。」
十一月 17, 2009 at 6:18 pm
Superficial!!!
十一月 17, 2009 at 10:49 pm
胡鴻烈博士，大紫荊勳賢，GBS，OBE，PhD，JP（Dr Hu, Henry H.L.，1920年－），生於浙江紹興。擁有香港執業大律師資格，並且執業有50多年。曾任立法局議員、全國政協委員。香港第一家私立大學——香港樹仁大學的校監及創辦人。其妻子是樹仁大學校長鍾期榮女士。
人地係社會有名之大律師, 佢都叫膚淺既話, 唔知”冇論據亂話人”又係咩呢? 垃圾也吧.
十一月 18, 2009 at 10:21 am
I was not referring to ‘胡鴻烈說，做學問，要博，才有能力看正、反兩面，活出自己。’ For your information! I was referring to ‘董建華年代，八萬五政策，以為人人有樓，結果個個捱苦。’
What was the fundemental reason of all these problems? Not 八萬五!!! The root of all thye suffering of all of us were the unreasonably HIGH cost of living (both rent and price of flats)!!!