先买自住房还是投资房？

KejinLi

亲爱的各位大侠，请问我和我老婆都刚刚工作，但想早点进入房市，不知道是先考虑自住房还是投资呢？有人推荐我们先投资，你们觉等呢？

天涯浪客

先买自住的!除非你不怕和老婆吵架!

philongyao

from tax point of view. buy PPR first.  later u can use the equity to fund ur investment property and all the interest are deductable.

if you do the otherway. the initial deposite you put towards ur investment property cant be tax deductable if later you use it to buy your PPR.

However. some expert claim that renting while investing can generate more profit than buying PPR 1st.  but i think buy PPR is more important for us as chinese.

Laura12345

没有楼上那么专业。如果按投资房买，房租可以算到收入中，这样能贷到更多的钱，就能买更贵的房子。

KejinLi

可是投资房就要买楼花吗？中介说得贼牛，说投资方才是王道～～可是楼花的风险怎么规避啊？一个朋友说他的房子3年还没建好呢

kr2000

投资还是自住你要自己算算
你们工资多少，需要负扣税？
现在租的房子好不好，多少钱租？
买多少钱房子，贷多少款？

如果你只是想买房子，又没钱付首期，那只能买楼花了

有首期不要买楼花，别听中介说

click

你们才工作，能有多少负扣税呢？
买房子增值，HOUSE才是王道。

philongyao

原帖由 click 于 2011-1-12 12:39 发表
你们才工作，能有多少负扣税呢？
买房子增值，HOUSE才是王道。

reality is not many young couple can afford house in good area with good captial gain potential.  so more realistic solution is to buy low strata unit/townhouse (if you can afford) in good area.  pay the mortagage down as quick as you can. then use the equity to invest.

personally dont think its good time to invest in property market atm.

wmai10000

买个投资房前几年往里面砸钱，然后你们自己在外面租房子帮别人养房~~我怎么算都不划算啊~~难道我算数太差？1