2009年10月21日星期三

貴貴都買?

近期樓市有兩個觀點很令人在意:

1. 豪宅與中小型住宅屬兩個市場,內地人購買豪宅,就如收藏品一樣,是買心頭好,因此他們不會轉戰至中小型市場。

2. 香港最終會變成「倫敦化」,市中心的核心住宅會變為國際資金流入的市場,中半山、西九最終會成為內地及國際級富豪的聚腳地,港人只有逐步遷移至邊陲地段。

政府現在提出不介入樓市的理據,是目前樓價離九七年仍然有一段距離,一些偏遠樓盤如深井目前只是賣三、四千元一方呎,與九七時泡沬年代的近萬元一方呎有好大差距,而一些發展商亦企圖混淆視線,企圖解說目前供款佔收入比率只有百分之三十五,遠比九七年時八成多比率低得多,因此樓市何來泡沬?

用九七來比喻肯定是不當,同一樓盤,樓齡過了十二年,樓價如何與十年前比較? 而一些屢創新高價的新盤,十年前亦不存在,政府如何監察?

至於供款比率的理據表面好像有一定道理,但前提是中小型樓價要假設保持不變。

不過這個情況肯定是不會發生,特別是那些地產商將中小型住宅包裝成豪宅開售,樓價既脫離了現實,而新盤鄰近的業主亦很容易心紅,結果是樓價愈追愈高。

最可恨的地產商,口中一邊說沒有泡沬,但同一時間就以"泡沬價"出售單位,目標就是要吸引內地富豪,賺取更高毛利。

面對目前情況,政府實在不宜再嘆慢板,有三方面工作必需盡快進行。

首先可以肯定的是,在環球特別是內地資金泛濫下,豪宅仍然會掃高,而港人愈買愈遠亦會是事實。

因此,政府需要大幅提高豪宅的印花稅,例如二千萬元以上的物業,印花稅應大幅提高,壓抑泡沬的效果,肯定要比降低按揭成數高,亦有利增加庫房收入。

與此同時,政府有責任協助首次置業人士,例如提供極低息貸款,至於重新推出居屋就無謂啦,由市場自行決定到底要選擇什麼單位吧!

最後當然是優化土地供應,例如我們再三提出的改善勾地表制度,而定期賣地也是可行的,主要當然不是增加供應(因由拍賣至落成通常需要四年時間),反而重要的是有一個機制可以告訴市場,未來的供應會有什麼變化,有了這個預期,無論用家及發展商都可以作出部署。

至於一些技術修訂也可以減少吹噓弄假,例如在賣地/ 批地條款中,加入要求發展商要公布平均開售價,避免了一些所謂「交叉補貼」的成交個案,令傳媒只追捧一些所謂天價成交、而陷入發展商的吹噓陷阱之中。

3 則留言:

匿名 說...

Property developers are squeezing every blood out from your body. Worst of all,the Government provides all the equipments and spaces to help them to dry you up. The affordability could be changed easily if the interest rates are going up nor the bench marks with the property prices in 1997 are not realistic too. Mr. Tsang asked the doctors/lawyers to live far off places if they cannot afford apartments in the city. It is not a responsible statement. Does it mean the policy of Government is to cast away the professionals from the City. Does it means the doctors have to travel far to the hospital to tender their patients and the lawyers have to travel a long distance before they can meet their big international clients in Central. How funny to say this??

For the light blubs incident, why not to have the arranagement indirectly going through the two giant Power Companies. Let the Power Companies sending out the exchange coupons of the light bulbs to the users. The coupons should bear clearly the brands of light brands to avoid any allegations of certain brands are chosen. End of the day, the Government will reimburse back the coupons that have been used. Also, in this arrangement, there is an added benefit, discounts can easily been obtained by bulk negotiations with the suppliers. Being they are transparent and easily managed, it can void any allegations of any transfer of interest between the public and the private- not to mention Mr. Tsang 's awkard situation at the moment.

匿名 說...

Property developers are squeezing every blood out from your body. Worst of all,the Government provides all the equipments and spaces to help them to dry you up. The affordability could be changed easily if the interest rates are going up nor the bench marks with the property prices in 1997 are not realistic too. Mr. Tsang asked the doctors/lawyers to live far off places if they cannot afford apartments in the city. It is not a responsible statement. Does it mean the policy of Government is to cast away the professionals from the City. Does it means the doctors have to travel far to the hospital to tender their patients and the lawyers have to travel a long distance before they can meet their big international clients in Central. How funny to say this??

For the light blubs incident, why not to have the arranagement indirectly going through the two giant Power Companies. Let the Power Companies sending out the exchange coupons of the light bulbs to the users. The coupons should bear clearly the brands of light brands to avoid any allegations of certain brands are chosen. End of the day, the Government will reimburse back the coupons that have been used. Also, in this arrangement, there is an added benefit, discounts can easily been obtained by bulk negotiations with the suppliers. Being they are transparent and easily managed, it can void any allegations of any transfer of interest between the public and the private- not to mention Mr. Tsang 's awkard situation at the moment. (1+2)

亞羊 說...

請問是否一定要買樓??

若果政府將公屋推大些,可行嗎??

問問自己,想要普通住房??
想搵地方住 或 一齊炒樓??

咩... 咩... 咩....