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[转贴] 涂素燕：剩房．慎防
22%大馬人面對攤還房貸問題，這樣的調查結果不令人意外。
這幾年我國城市及一些小鎮的房價，早就漲到不合理。
儘管比起香港、新加坡、台北，我國房價還是小巫見大巫。
問題是，我國大部分人民月收入低于3000令吉，百姓收入和住房價格不成對比。
兩年前國際貨幣基金就警告，我國房價出現高估情況。
如果不是羊群效應，只靠供需法則，我國很多地區的房價，不可能炒得這么高。
群眾心理很奇怪，房價低迷時，大家買房子的意願通常很低，房價越高，越多人想買房子。
前幾年我國房價狂漲，眼看張三李四靠炒房賺大錢，很多人懊悔為何不早買房？
當越來越多人這么想時，“羊群”開始蠢蠢欲動，紛紛跟著進場。
許多人明明不符合貸款資格，卻通過借錢、跟老父老母親戚“籌資”、鑽各種漏洞，都要“投資”房產。
置產自居的百姓被房產漲勢嚇唬，擔心房價只漲不降，明明手頭不寬裕，也硬著頭皮先買再說。
靠炒房賺大錢的“投資者”或“專家”，往往不會告訴我們，他們早在房價沒到頂的時候，已經脫手脫身。
炒房要有常識
近年政府推出許多措施“打房”，經濟不景氣，銀行更慎重審批房貸，我國房地產市場已經放緩。
那些在高房價時期買房的人，如果買來自己住，應該做好準備無論如何都得繳付房貸吧！
至于那些人炒我炒，就算沒能力也要買幾間房子的“投資者”，這時候只能自求多福。
我國住宅產業出租回酬率大部分低過5%，有地產業可能只有3%，不可能靠收租供房。
當初來不及脫手賺價差，要等房價創另一新高，不知要等到何年，只能乖乖“供養”銀行。
炒房買房要保持理性，就算沒有投資的專業知識，也要有一點常識。
http://www.chinapress.com.my/?p=631155
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1 person likes this. Showing 6 of 6 comments
I saw many people every month pay installment for shop lot, apartment lot(3-5k) but there is empty, no body stay...wakakakaka this group of people very good....used their hard earn money support the entire economy of Malaysia( give developer untung, give bank untung , give gov collect cukai)....
Thank you very muchi....
2016-04-04 08:54
If they do not want to buy the house or shop...then hoseh
Construction stop, worker go back, 99 supermaket decrease 50% customer,simen batu tak ada orang beli, property agent kena pecat, banker kena pecat, gov bor duit kutip, rumput naik, ular banyak...wakakkakaka
2016-04-04 08:57
Hong Kong sudah mati, Malaysia belum lagi, but now will drop. mau goreng property need hold until 5 year
2016-04-04 14:23
it did drop a bit but still much higher than 2009-2012 level - most are still on net gain.
2016-04-04 14:32
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问题是很多人相信屋价只涨不掉的神话。
2016-04-04 08:50