i cannot understand why????

http://www.stuff.co.nz/national/ ... -on-Struggle-Street


this family earn $90,000 a year and cannot afford to own a house and pay 20% deposit?

my family earn $52,000 p.a (on salary) and we own 6 houses ( 1 family house / 5 rental properties) in Auckland.

Where is the logic????

qqwoqq

love_3_month 发表于 2014-9-21 20:47
我零五年收入才三万多，lz你2000年左右就4万多感觉就是现在的六位数收入了，很高了

不过你投资的也很不错 ...

忍不住要出个声，我09年才3万多

love_3_month

匿名者 发表于 2014-9-23 11:22
it doesn't matter how other people think of me, I am just sharing an experience on property, an jour ...

确实，自己实惠最重要

love_3_month

kingscat 发表于 2014-9-23 12:44
也可能华人来自没有什么保障的环境，有公费医疗的还好，大部分人都抱着积蓄保障的观念，也确实不得不，上 ...

其实很多上了年纪的华人也不喜欢有贷款，希望快点还掉，不想投资

你那朋友已经无贷款，每周的收入估计已经全部开销掉了，这种消费习惯一养成，确实没有能力负担任何贷款了，即使是出租了让房客还，她也担心万一租客断了怎么办

非典型土人

LZ厉害，那个时候有这种眼光的人还是少。优势是那时候LZ的家庭收入在没孩子的couple中肯定算top 5%的了。

kingscat

NewLynnHse 发表于 2014-9-23 12:50
所以我觉得多多少少和“安全感”有关系。多数亚洲国家没有福利制度，没了safety net自然没有安全感，后来 ...

是啊有道理的，其实背后原因finance secure 是我们整个文化的根源，华人不习惯和政府和任何人开口索取，习惯了老老实实自保

NewLynnHse

kingscat 发表于 2014-9-23 12:44
也可能华人来自没有什么保障的环境，有公费医疗的还好，大部分人都抱着积蓄保障的观念，也确实不得不，上 ...

所以我觉得多多少少和“安全感”有关系。多数亚洲国家没有福利制度，没了safety net自然没有安全感，后来就渐渐成了整个民族都没有安全感，所以养成这个习惯。kiwi鸟就不一样了，今朝有酒今朝醉，反正天塌下来有WINZ罩着，华人可能为了面子没有想要靠WINZ罩着。。。哈哈

kingscat

NewLynnHse 发表于 2014-9-23 12:32
也是，论坛里的另外一位高人也说过，房事的周期就是由人们的贪婪和恐惧在推动着。。。哈哈

也可能华人来自没有什么保障的环境，有公费医疗的还好，大部分人都抱着积蓄保障的观念，也确实不得不，上次新闻有个人腿受伤了，因为没有办法治疗，自己弄断，这是何等的决心和痛苦，如果他有大笔积蓄可能就没任何后顾之忧，于是大家都积累积累积累积累。。。可是这些生长在福利有保障的国家的人，可能祖辈都没有危机意识，也就完全没有积蓄的观念，我也观察了很久，比如某女，她在freemans bay有个没贷款的小房子，应该值不少钱，3年前我说，lisa你为什么不把它抵押，再去买个新的？她说，为什么？我薪水就是这样，不能再负担更多。。。不明白为什么洋人不投资理财，是因为他们觉得不需要，他们不需要大笔现金，最差还有福利。。当然现在亚洲文化的渗入，很多洋人也开始有危机意识了：those owners all  from china 哈哈

NewLynnHse

kingscat 发表于 2014-9-23 12:22
中国的传统文化，土地意味着财富。如果你家族曾经是比较富裕的阶层，他们在中国解放前有没有在市里无数店 ...

也是，论坛里的另外一位高人也说过，房事的周期就是由人们的贪婪和恐惧在推动着。。。哈哈

kingscat

NewLynnHse 发表于 2014-9-23 10:31
那个是表面的，我觉得还是因为没有安全感所以要累积多点

中国的传统文化，土地意味着财富。如果你家族曾经是比较富裕的阶层，他们在中国解放前有没有在市里无数店面和租客？一样的，乡下农民也重视，有钱了要盖新房子娶老婆之类。我父母那时候还没房产商业化，很早期按照职称阶层分房子，职位高选大的朝向好的，职位低的选小的朝向差的；家家家户户为房子争，很多职位低的新来的不知要等几年才能“分到”房子；
中国人祖祖辈辈不管贫穷和富裕都在积累，“安得广厦千万间，大庇天下寒士俱欢颜”“积谷防饥”“”未雨绸缪“的危机意识深深根植在华人血液。。。
还有个比较有名的从政华人，他名下大概40套房子是有的。。。他不缺钱。。。还特别吝啬，吝啬其实是小时候穷的一个额显著特征。。。从小就没敢花钱哈哈哈

it doesn't matter how other people think of me, I am just sharing an experience on property, an journey in the last 13 yrs in Auckland.  

Whilst I don't see my poor childhood makes me insecure, it does make me appreciative on little things I have in life.

My tenants are mostly long term tenants and they felt pleasant and secure when dealing with me, afterall they are my customers and pay most of my mortgages while I have my capital appreciation goes from yr to yr.


I don't really have a lot of money in my pocket having reduce 1 day job, but at least that is a choice we can afford to have in this city.

NewLynnHse

xp_theman 发表于 2014-9-23 10:14
看楼主最后一句话。

那个是表面的，我觉得还是因为没有安全感所以要累积多点

xp_theman

love_3_month 发表于 2014-9-22 20:32
呵呵，他又没有哄抬价格又没有违法逃税，最多算ambitious 那里是greedy

或者说，如果他造了房子，邻居 ...

楼主解决了自住问题，已经有6套房子，还想要搞更多的房子，he is absolutely enjoy making money from property.

如果没有这些手里有钱的投资者，从房产里赚到钱，然后不断把钱重新投入房产市场， 奥克兰价格不可能上升的这么快。

当然我不是批评楼主。 逐利是每个人的本性。 我不是站在道德至高点去批评。只是发表一下自己的观点。

xp_theman

NewLynnHse 发表于 2014-9-22 18:54
不一定啦，可能是LZ小时候比较穷，现在没有安全感。

看楼主最后一句话。

mwe23

匿名者 发表于 2014-9-22 11:10
When I first bought my property in 2000 & 2001, I admired people who bought in the 80s, in the 90s.. ...

大家在上海北京买房的话，2000年左右的房是现在的10%, 可以去查查！
只能说你生对时间，投错地方了！

winny

love_3_month

现在如果首次置业，南区西区还是很多3-40万的房子。

再不买，那里的房子也要50-60了

love_3_month

xp_theman 发表于 2014-9-22 18:53
You are smart, but i want to be honest, you are greedy.

呵呵，他又没有哄抬价格又没有违法逃税，最多算ambitious 那里是greedy

或者说，如果他造了房子，邻居也造了，都卖100万他非要卖110万，如果没卖掉，greedy, 如果卖掉了说明市场上有这样的买家，也谈不上greedy吧

NewLynnHse

xp_theman 发表于 2014-9-22 18:53
You are smart, but i want to be honest, you are greedy.

不一定啦，可能是LZ小时候比较穷，现在没有安全感。

xp_theman

匿名者 发表于 2014-9-22 15:33
I don't count myself to be overly successful but just make something out of property to achieve  ...

You are smart, but i want to be honest, you are greedy.

pear

Dealter 发表于 2014-9-21 17:12
我都是在台湾超市T-MARK买

台湾的有地沟油和塑化剂

NewLynnHse

匿名者 发表于 2014-9-22 16:11
yes, i am blessed.

Just recalling my childhood - when i was 8 yrs old, i remembered my school s ...

haha...that's no wonder then. I bumped into this program yesterday when I was channel surfing. Saw the segment as describe here:

https://suite.io/marc-latham/5xte2yv

The programme also showed how chickadees evolving in harsher climates, where it was more difficult to survive, could solve problems much quicker than chickadees that had evolved in environments where it was much easier to survive.

Same with human, and most Kiwi birds do not live in a very harsh environment, if you know what I mean.

kingscat 发表于 2014-9-22 15:42
what you experienced is not only "clever", you were blessed , lots "clever " folks they too clever ...

yes, i am blessed.

Just recalling my childhood - when i was 8 yrs old, i remembered my school shoe was all torn....  Just to buy a pair of shoes, i have to think of a way.

i managed to buy a box of firecracker ( consist of 12 small boxes) and break the 12 small boxes of firecracker into small bundles and re-sell them at the school to some school mates. i made some money and use the money to buy my school shoes.


For people who think my wife and i have rich parents, you are wrong, that was my childhood.

kingscat

匿名者 发表于 2014-9-22 15:33
I don't count myself to be overly successful but just make something out of property to achieve  ...

what you experienced is not only "clever", you were blessed , lots "clever " folks they too clever by half...
your fate is the more powerful even than money muscle

xp_theman 发表于 2014-9-22 14:57
楼主的经历太极端了。 如果现在给你5万，让你重头再来， 十几年后你也有几套房子？

I don't count myself to be overly successful but just make something out of property to achieve some financial freedom while in NZ.  It is relativity, I am happy for the decision I made.


if I am doing all over again, the method I use will be different from 13 yrs ago.,  I will have to think of one.

i am not stopping yet, i have plan to subdivide my 2 other properties, now that i have some spare money.

Cheers.

xp_theman

楼主的经历太极端了。 如果现在给你5万，让你重头再来， 十几年后你也有几套房子？

love_3_month

翻页。。。。

catt19

匿名者 发表于 2014-9-21 15:20
sold 2 houses and pay back our mortgages this year.

now left with 6 houses and $540,000 loan. ...

this is exactly what I see on facebook after the election. Maori complaining how there's too much rich people in auckland stealing houses and making everything expenisve while they are " poor".... I don't believe there's poor people in the world, it all depends how you plan or using ur money the correct way

sammy1112

怎么没mention20%的首付是你父母给的？

NZT

也就是買的早, 不過在當時你們兩個年薪總額八萬其實也不低了