25/6/2018-7

Nanometer upstairs car easy to change

A 147-square-foot Nanometer unit in Fengde Village, Diamond Hill, has just changed hands in the free market with 2.78 million yuan (filled land price), with a saleable area of ​​18,912 yuan. It is the most expensive unit in the public housing market in Hong Kong. A profit of 900,000 yuan will be left.

Three years of earning 900,000, it is indeed attractive to many wage earners. However, when the owners thought that they could change their housing estates for large houses, the funds they got out of cash or their personal income simply did not allow them to “get on the train again,” and then fell into a difficult situation in the upstream and a difficult situation in changing buildings.

Cash in 1.1 million to enter the market choose not much

Taking the above-mentioned Fengde Village Unit as an example, the landlord bought the land for 1.8 million yuan three years ago. The company built a 90% mortgage into the market that year and deducted contributions and interest-bearing expenditures. However, property prices have skyrocketed in the past three years. The upper deck of the urban area below 4 million yuan has basically disappeared. Even if the first-hand developers can provide high-quality mortgages, the one-bedroom units will cost more than 5 million yuan and the first phase will be 1.1 million yuan. Not much choice.

On the private property front, a large number of housing estates offering nano-sized households have the largest number of open units in Laoshan, Tai Po, which basically accounted for more than half of the transactions per month for the housing estates, and the owner’s profit margins were in multiples. For example, in the first phase of the seven-storey D room with an area of ​​196 square feet, the original owner purchased the unit for 1.59 million yuan in 2015, with a mortgage rate of 2.15% and a contribution period of 30 years. The monthly supply and demand will be 5,397 yuan, and the monthly income will be 14,207 yuan. Has passed the pressure test.

According to statistics, the unit was sold out in May for 3.8 million yuan. The profit on the book was 2.21 million yuan, which was more than doubled. After deducting interest, together with the contribution of approximately RMB 111,000 and the first period, it is expected to cash out a total of 2.48 million yuan. Holding 2.48 million yuan, what units can be purchased in the area? The current target is Tai Po Centre, an estate with an area of ​​315 square feet and two rooms. The admission fee is about $5.5 million. Assuming that 60% of the mortgages will be built, 40% of the first phase will involve 2.2 million yuan, that is, the funds will be cashed out. .

The entry threshold of nanometer households is low, and they become public car owners. However, if buyers enter the market, they only look at the current market conditions and ignore the future deployment of flats. Even if the rate of unit appreciation is calculated in multiples, property prices have always been very different from those of small- and medium-sized two-room households, and they eventually fall into another dilemma. .