Sandwich class, good view, and a house, then the stock market, and the annual interest rate is 10%.

[Dossiers financiers] This time, readers of the sandwich clbad asked for the financial opinion of Sir and hoped that they would buy a building. 谂 Sir thinks it's desirable, and he can also take the stocks in the wallet and buy the debt base. The annual interest rate is 10 to 12%.

Author: 谂 Sir (Homebloggerhk) | Photo: New Media Reference Room, iStock, Online Image

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谂 Sir:

I am 30 baht, professional, monthly income of 55,000 yuan, and another annual bonus of about four to five months.

I currently live with my mother and sister, who are currently renting a two-bedroom unit, with a monthly rent of 19,500 yuan. I am responsible for me and my sister.

My sister has a monthly income of 50,000 yuan, and two to three months of bonuses a year.

I have a cash of 700,000 yuan and a stock market value of 900,000 yuan. In 2015, I bought a Kangyi Garden unit with my own name of 6.5 million yuan, I'm not sure. I borrowed 3.9 million mortgages and I still have 3.6 million yuan. 14,000 yuan, the unit is currently estimated at 8.5 million yuan, praising 18,500 yuan.

In 2016, I bought a 30-year-old building in Sheung Wan with a surname: 5.25 million yuan, 3.8 million yuan, 6.8 million yuan, 15,000 yuan and 16,500 yuan. Yuan.

I would like to ask 谂 sir how to invest in the deployment, and then buy a unit investment is good?

Johnny Reader

Sandwich clbad, bank is ready to borrow more to buy a house

readers and sisters total borrowing power of 13.59 million yuan ((55,000 + 50,000) / 10,000 × 50% × 2.59 *] now used 7.7 million yuan, or 56%.

This figure looks a bit like a forked intersection, it's good to add more yards, but it is good to be conservative and not to buy a building, but I still recommend readers to go to Hakata for a house.

Although the readers' pay is not bad, but that 39, it is in the sandwich clbad, it is better to enjoy the good decor, the bank is ready to borrow, to buy more houses.

Since the borrowing power has been halved, you can consider more than 6 million yuan for the purchase of the unit, the author has a little 4 to 5 million yuan and there are sui Foreign houses.

Due to the name of the mother, if the meeting is held at 60-70%, the first period does not exceed one million, and the following can be rented 20,000 yuan, the estimated monthly income is 11,000 yuan and the rate of return is -11,000) × 12 / 1.2 million].

Income and interest income case Sandwich Clbad Debt 谂 Sir

唔 房 唔 must break the law

As for why not just buy a house to rent and use the suite, because the drives are still limited in capacity, and after the test of & 房 唔a high-performance rental method, readers will be removed early Useful

At the same time, it is emphasized that the suites can effectively meet the laws of fire protection, so it is necessary to d & # 39; break the law.

The purpose of this decree is that the selection of foreign buildings is more complicated than the purchase of subdivisions, but that readers must learn this knowledge to enhance themselves: indeed, this type of knowledge can help people to make money.

In addition, readers now have more cash in stocks and want to remind them that "dead stocks are increasing" is a misconception. Although many people will rise for 30 years with US stocks, or that the Hang Seng index has risen from 1982 to today, it is proven that Changchun shares are good for sale.

Income and Income Case l ' Sand clbad intérêt debt interest gentleman

Income based on debt is better than buying shares

but beware of the components of the index may be "changed horses", for example, the Hang Seng index was HSBC Holdings (00005) as a locomotive, and now Tencent Holdings (00700) is the locomotive C & # 39; s.

Due to the weakening of capitalism, the strong are self-sufficient, the constituents of the index are the essence of the economy, and the benefits of capitalism, of course , the long-term plan is on the rise.

But if you buy a stock, you will only die if your business is good or not, every business has its life cycle. For example, in 1990, the school began to do a good job, and it became a conflict in 2000. In 2010, it began to enter in the evening because of the change of the school system. review and decline in the birth rate.

Some companies have a shorter life expectancy, so it's not a good idea to die after a listing business. It is recommended that readers use the base of the debt mentioned in the interest rate 101 to receive 10 to 12 cents a year, which is better than buying shares.

The debt base has no term limit, and the volatility is lower than the stock, which is a good financial choice.

As for the stock system to get out of the fast forward, there is a chance to win, and the starting strategy is organic.

Case for Income from Debt and Debt Related Debt Securities Sand Sir's Interest

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