白表購免補價居屋

大家好 我是徐莉策耶

Hello everyone, I am Xu Li Cey.

長江地產 謝澤銘

Yangtze River Real Estate, Xie Zeming

我是阿仰

I am A-Yang.

講一講關於居屋的消息

Talk about the news regarding public housing.

房委會提高了明年1月白表客

The Housing Authority has increased the white form applicants for January next year.

申請買未補地價居屋的家庭入息上限至4萬元

The maximum household income limit for applying to buy unsold Home Ownership Scheme flats is raised to 40,000.

令不少白表客的家庭寵寵欲動

It has stirred the desires of many families with white-collar pets.

紛紛搶先看樓 以便了解市況

Everyone is racing to see the properties in order to understand the market situation.

根據報章報道 綜合數據

According to newspaper reports, comprehensive data.

昨天多個居屋屋苑的看樓量爆升

The number of viewings for various public housing estates surged yesterday.

其實是不是呢?

Is it really the case?

其實我們一直保持平穩

Actually, we have always maintained stability.

比如說九龍區居屋或香港區居屋

For example, public housing in Kowloon or public housing in Hong Kong.

可能會增加

May increase.

為何這樣看呢?

Why do you see it this way?

之前我們沒有說過

We haven't talked about it before.

居屋預算是4萬元入息上限

The income limit for the Home Ownership Scheme is 40,000 yuan.

5千個白表申請

5,000 white card applications

其實是醞釀了公佈過的2萬7元

It is actually brewing the previously announced 27,000 yuan.

或是增加了一點

Or it has increased a little.

但如果一個家庭是4萬元入息

But if a family has an income of 40,000 yuan.

其實供款能力是強了很多

Actually, the ability to contribute has increased significantly.

一般我們大致上計算過大約320萬元

We have generally calculated approximately 3.2 million yuan.

政府出來的數據說

The data released by the government says

居宜價以325萬元或28萬元左右

The appropriate price is around 3.25 million yuan or approximately 280,000 yuan.

去計算這個家庭

Go calculate this family's situation.

即是他們有方形式的

That is, they have a specific form.

我們那天在NOW做訪問

We were interviewed at NOW that day.

以九成按揭來計算

Calculated based on a 90% mortgage.

320多萬元買一個單位

Buying a unit for over 3.2 million yuan.

居宜的單位

The unit of residence.

320多萬元買一個居宜的單位

Over 3.2 million yuan to buy a suitable unit.

其實九龍區有很多可以做到

Actually, there are many things that can be done in the Kowloon area.

本身沒資格那些3萬元以上入息

I am not qualified for an income over 30,000 yuan.

去到4萬元中間那些

Reach the middle range of 40,000.

可能突然間突然間飆出一個機會

An opportunity may suddenly arise out of nowhere.

可能在九龍上面刺激會大大增加

The stimulation on top of Kowloon may significantly increase.

突然間會大大增加

It will suddenly increase significantly.

我們始終是

We always are.

可能現在都是

It might be now.

其實千多元一呎我們仍然有居屋第二思考

In fact, at over a thousand dollars per square foot, we still have a second thought about public housing.

或者二千多元一呎有得選

Or over two thousand yuan per foot to choose from.

在屯門好在天水圍好

It's good in Tuen Mun and also good in Tin Shui Wai.

其實我們的影響就沒有那麼大

In fact, our influence is not that significant.

但明顯是多了客

But it is obviously busier with more customers.

民盤就活躍了

The stock market has become active.

不過以我的感覺

However, in my feeling

當他們去九龍區看了一些居屋

When they went to Kowloon to look at some public housing.

發覺那個赤價

Realizing that red price.

例如富榮花園

For example, Furong Garden.

九龍居屋王

Kowloon Public Rental Housing King

他們做的赤價都不便宜

The prices they offer are not cheap.

不便宜

Not cheap.

當他們再計一計

When they count again.

公款能力各方面

Ability of public funds in various aspects

有機會

opportunity

走回新界西

Walk back to New Territories West.

進來就很鬆軟

It feels very soft as soon as you come in.

為什麼呢

Why is that?

這是人之常情

This is human nature.

首先找自己最理想的地區

First, find the area that you desire the most.

市中心

City center

然後一靠近就發覺

Then upon getting closer, I realized...

不是便宜的

It's not cheap.

例如港島區的康山花園

For example, the Hong Kong Island area's Hong Shan Garden.

這個居屋

This public housing.

這個綠表價都去到七八千元

The green sticker price has reached seven to eight thousand yuan.

是

Yes

七八千元

Seven to eight thousand yuan.

變了來計

It has changed to counting.

他們有機會是

They have the opportunity to be.

得個體字

Get the individual character.

看完之後就要去找

After watching, you need to go find it.

非休了

Not taking a break.

除非你可能給多些首期

Unless you can provide a larger down payment.

是

Yes

因為他的資產限制

Due to his asset limitations.

都提升了八三萬

All have increased by 83,000.

但是你能夠

But you can.

如果這樣說

If that's the case.

你能夠給多些首期的話

If you can provide more of the down payment.

他們應該進入了私人屋苑的門檻

They should have entered the threshold of the private estate.

可以

Sure.

基於因為他們現在這個居屋

Because of their current public housing.

免保地價是做到九成按揭

The exempt land price is achieved with a 90% mortgage.

就是說他們用的資金

That is to say, the funds they are using.

是可以降低很多

It can be reduced significantly.

你買過三四百萬的

You bought something worth three to four million.

你給十個百分比首期

You give ten percent for the down payment.

都是三四十萬

It's all around three to four hundred thousand.

但是如果你買個私樓的單位

But if you buy a unit in a private building,

你要給八幾萬首期

You need to give a down payment of eighty thousand.

對於他們的能力可能有限

Their abilities may be limited.

這樣

Like this.

好

Okay

我們今天這個多媒體直播節目時間

Our multimedia live broadcast program today is scheduled for...

也差不多了

Almost there too.

我們這個長益電台

Our Changyi Radio Station.

接下來就有我們這個時事焦點

Next, we have our current affairs focus.

希望大家繼續留意

Hope everyone continues to pay attention.

謝謝各位

Thank you all.

拜拜

Goodbye