自住樓一拆二再除名 加按買債買樓收息收租 | 諗sir投資教室 | 理財個案

</p> <div class="_page_ _page_2 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div></h2> <h2><strong>自住樓先睇賺價</strong></h2> <p><span style="font-weight: 400;">如果只有一層自住樓，首先要看此層樓賺價有多深，以及自己的人工是多少？</span></p> <p><span style="font-weight: 400;">諗sir表示，如果人工是介乎10,000元至20,000元，而賣樓套現的資金，是否多於該業主10年的儲蓄所得。</span></p> <p><span style="font-weight: 400;">即如果月儲6,000元，10年儲蓄金額為72萬元，若賣樓可賺100萬元，是值得賣樓，因為賣樓是可套現最多的。</span></p> <figure id="attachment_81000" style="width: 800px" class="wp-caption alignnone"><img class="wp-image-81000 size-medium" src="https://images.edigest.hk/wp-content/uploads/2018/12/aa_5018749235c135b4b8932e-800x480.jpg" alt="自住樓 發達 加按套現 理財入門 諗sir投資教室 理財個案" width="800" height="480" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/aa_5018749235c135b4b8932e-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_5018749235c135b4b8932e-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_5018749235c135b4b8932e.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_5018749235c135b4b8932e-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_5018749235c135b4b8932e-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_5018749235c135b4b8932e-360x215.jpg 360w" sizes="(max-width: 800px) 100vw, 800px" /><figcaption class="wp-caption-text">圖片：新傳媒資料室</figcaption></figure> </div> <div class="_page_ _page_3 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h2><strong>10年儲蓄額衡量</strong></h2> <p><span style="font-weight: 400;">至於為何是用10年的儲蓄金額計？因為一般樓市週期，很少情況下是10年都不出現一個中期調整或循環低位，樓價有機會較低時，賣樓後，日後可以再抵撈買樓。</span></p> <p><span style="font-weight: 400;">但如果只有一層樓又選擇賣樓，是賭樓市會跌，不過如人工較低，都沒有其他辦法，都是需要博，博到就可以改善生活。</span></p> <p><span style="font-weight: 400;">對於一些人工較高，即介乎20,000元至60,000元，就要採取另一方法，即將一層樓一拆二，再按爆八成按揭。</span></p> <figure id="attachment_80879" style="width: 800px" class="wp-caption alignnone"><img class="wp-image-80879 size-medium" src="https://images.edigest.hk/wp-content/uploads/2018/12/house_18321362035c1329e6b485c-800x480.png" alt="自住樓 發達 加按套現 理財入門 諗sir投資教室 理財個案" width="800" height="480" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/house_18321362035c1329e6b485c-800x480.png 800w, https://images.edigest.hk/wp-content/uploads/2018/12/house_18321362035c1329e6b485c-768x461.png 768w, https://images.edigest.hk/wp-content/uploads/2018/12/house_18321362035c1329e6b485c.png 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/house_18321362035c1329e6b485c-165x99.png 165w, https://images.edigest.hk/wp-content/uploads/2018/12/house_18321362035c1329e6b485c-392x235.png 392w, https://images.edigest.hk/wp-content/uploads/2018/12/house_18321362035c1329e6b485c-360x215.png 360w" sizes="(max-width: 800px) 100vw, 800px" /><figcaption class="wp-caption-text">圖片：新傳媒資料庫</figcaption></figure> </div> <div class="_page_ _page_4 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h2><strong>一拆二再除名</strong></h2> <p><span style="font-weight: 400;">這層樓要先看看是單名或聯名持有，如是聯名持有，在趁一拆二時，同時將原本的一層樓除去其中一個名，再按爆八成。</span></p> <p><span style="font-weight: 400;">即如果物業市值500萬元，到銀行加按，一般最多是按六成。</span></p> <p><span style="font-weight: 400;">如尚欠銀行150萬元按揭貸款，而物業市值是500萬元，加按至六成，可套現150萬元，而按爆八成，就可套現250萬元。</span></p> <figure id="attachment_80890" style="width: 800px" class="wp-caption alignnone"><img class="wp-image-80890 size-medium" src="https://images.edigest.hk/wp-content/uploads/2018/12/city00004_8948380565c132dcee40d1-800x480.jpg" alt="自住樓 發達 加按套現 理財入門 諗sir投資教室 理財個案" width="800" height="480" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/city00004_8948380565c132dcee40d1-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/city00004_8948380565c132dcee40d1-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/city00004_8948380565c132dcee40d1.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/city00004_8948380565c132dcee40d1-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/city00004_8948380565c132dcee40d1-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/city00004_8948380565c132dcee40d1-360x215.jpg 360w" sizes="(max-width: 800px) 100vw, 800px" /><figcaption class="wp-caption-text">圖片：新傳媒資料庫</figcaption></figure> </div> <div class="_page_ _page_5 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <p><span style="font-weight: 400;">至於人工是60,000元以上的人士，不用選擇按爆八成，反而只跟銀行的金管局指引，按六成便可。</span></p> <p><span style="font-weight: 400;">如物業市值900萬元，尚欠銀行400萬元按揭貸款，即可套現140萬元。</span></p> <figure id="attachment_80897" style="width: 800px" class="wp-caption alignnone"><img class="wp-image-80897 size-medium" src="https://images.edigest.hk/wp-content/uploads/2018/12/n0002_3125290235c132dde0ebcd-800x480.jpg" alt="自住樓 發達 加按套現 理財入門 諗sir投資教室 理財個案" width="800" height="480" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/n0002_3125290235c132dde0ebcd-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/n0002_3125290235c132dde0ebcd-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/n0002_3125290235c132dde0ebcd.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/n0002_3125290235c132dde0ebcd-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/n0002_3125290235c132dde0ebcd-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/n0002_3125290235c132dde0ebcd-360x215.jpg 360w" sizes="(max-width: 800px) 100vw, 800px" /><figcaption class="wp-caption-text">圖片：新傳媒資料庫</figcaption></figure> </div> <div class="_page_ _page_6 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h2><strong>加按套現 投資要穩陣</strong></h2> <p><span style="font-weight: 400;">高人工的人士，儲樓始終是王道，加按後可保持持有原本物業，又可趁機會多買一間。</span></p> <p><span style="font-weight: 400;">加按套現出來的資金，可以如何運用？</span></p> <p><span style="font-weight: 400;">諗sir建議的重點如下：</span></p> <p><span style="font-weight: 400;">（1）要選擇較穩健的投資，不建議投資股票，亦不建議買股收息。</span></p> <p><span style="font-weight: 400;">（2）盡量透過債券產品及買樓收息收租。</span></p> <figure id="attachment_82037" style="width: 1000px" class="wp-caption alignnone"><img class="wp-image-82037 size-full" src="https://images.edigest.hk/wp-content/uploads/2018/12/1109nnn004_15677176635c1cd399dc574.jpg" alt="自住樓 發達 加按套現 理財入門 諗sir投資教室 理財個案" width="1000" height="600" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/1109nnn004_15677176635c1cd399dc574.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/1109nnn004_15677176635c1cd399dc574-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/1109nnn004_15677176635c1cd399dc574-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/1109nnn004_15677176635c1cd399dc574-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/1109nnn004_15677176635c1cd399dc574-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/1109nnn004_15677176635c1cd399dc574-360x215.jpg 360w" sizes="(max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-caption-text">圖片：新傳媒資料庫</figcaption></figure> </div> <div class="_page_ _page_7 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <p><span style="font-weight: 400;">（3）如人工是 10,000元至20,000元，以及20,000元至60,000元，加按後套現的資金可以投資債基，因為債基可收息10厘，甚至20厘。</span></p> <p><span style="font-weight: 400;">當然愈高息就價格愈波動，亦不保本，不過好處是隨時可買賣。</span></p> <p><span style="font-weight: 400;">（4）人工是60,000元以上的人士，可購買直債，如東亞銀行、渣打銀行等直債，雖然利息較債基為低，但持有債券至到期是可保本。</span></p> <figure id="attachment_79997" style="width: 800px" class="wp-caption alignnone"><img class="wp-image-79997 size-medium" src="https://images.edigest.hk/wp-content/uploads/2018/12/aa_15915454875c0dd528cd659-800x480.jpg" alt="自住樓 發達 加按套現 理財入門 諗sir投資教室 理財個案" width="800" height="480" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/aa_15915454875c0dd528cd659-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_15915454875c0dd528cd659-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_15915454875c0dd528cd659.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_15915454875c0dd528cd659-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_15915454875c0dd528cd659-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/aa_15915454875c0dd528cd659-360x215.jpg 360w" sizes="(max-width: 800px) 100vw, 800px" /><figcaption class="wp-caption-text">圖片：新傳媒資料庫</figcaption></figure> </div> <div class="_page_ _page_8 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h3>請繼續觀賞今集諗sir投資教室內容影片：</h3> <p><div class='video-container'><iframe width="960" height="540" src="https://www.youtube.com/embed/hBjHJIis3bU?feature=oembed&wmode=transparent" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe></div></p> </div> <div class="_page_ _page_9 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h2>延伸閱讀：量化分析財力 買居屋有數得計</h2> <p>【<a href="https://www.edigest.hk/s/%E7%90%86%E8%B2%A1%E5%80%8B%E6%A1%88">理財個案</a>】讀者與妻子月入合共同95,000元，持有兩個唐樓單位，對沙田居屋穗禾苑的單位有興趣，想請教<a href="https://www.edigest.hk/author/homebloggerhk/">諗sir</a>買入單位自住會否很不智。</p> <p>撰文：<a href="https://www.edigest.hk/author/homebloggerhk/">諗sir</a>｜圖片：新傳媒資料室、<a href="https://unsplash.com/">unsplash</a> </div> <div class="_page_ _page_10 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <p><a href="https://www.edigest.hk/author/homebloggerhk/">諗sir</a>： 你好，本人已持有兩個唐樓單位，一個用作自住，另一個處於名校網的就出租 ，分別以外父母名義持有。 本人為自僱人士，月入85,000元、妻子月入10,000元，沒有入息文件，排了公屋兩年、居屋兩三年都抽不中。 最近看中了沙田居屋穗禾苑一個單位，如再入手自住會否很不智？</p> <p>讀者Jacky Chong </p></div> <div class="_page_ _page_11 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <p>好明顯讀者是未夠知識去量化自身情況，加上做生意月入85,000元又不交稅，還要輪公屋，要好小心盤生意會不會得罪人。</p> <p>如果再上一個層次，月入去到20萬元附近，錢多難以不露底。</p> <p>到時稅務督察去查查他的公司，加上如果當時已住在公屋，隨時一炮雙響（逃稅及騙取公屋）。所以房委會不批公屋或居屋給他，其實是一種愛。</p> <figure id="attachment_79683" style="width: 1000px" class="wp-caption alignnone"><img class="wp-image-79683 size-full" src="https://images.edigest.hk/wp-content/uploads/2018/12/1102n0008_10912489335c09e8e1cfbd0.jpg" alt="量化財策 居屋 公屋 校網 出租 風險 諗sir 理財個案" width="1000" height="600" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/1102n0008_10912489335c09e8e1cfbd0.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/1102n0008_10912489335c09e8e1cfbd0-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/1102n0008_10912489335c09e8e1cfbd0-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/1102n0008_10912489335c09e8e1cfbd0-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/1102n0008_10912489335c09e8e1cfbd0-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/1102n0008_10912489335c09e8e1cfbd0-360x215.jpg 360w" sizes="(max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-caption-text">圖片：unsplash</figcaption></figure> </div> <div class="_page_ _page_12 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <p>當然明白讀者未必用自己名去申請公屋、可能是以某無樓又無錢的家人申請，這樣就另作別論。</p> <p>筆者經常說除了賺錢，保存財富是另一種技能，而「保存」不一定指投資；故長期能富有的人，必有其技巧或有過人之處。</p> <p>富足的生活必須依仗一些知識，惟此等知識不是學校所能授予的。</p> <figure id="attachment_79796" style="width: 1000px" class="wp-caption alignnone"><img class="wp-image-79796 size-full" src="https://images.edigest.hk/wp-content/uploads/2018/12/1101n008_4981176895c0a02dfbefee.jpg" alt="量化財策 居屋 公屋 校網 出租 風險 諗sir 理財個案" width="1000" height="600" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/1101n008_4981176895c0a02dfbefee.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/1101n008_4981176895c0a02dfbefee-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/1101n008_4981176895c0a02dfbefee-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/1101n008_4981176895c0a02dfbefee-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/1101n008_4981176895c0a02dfbefee-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/1101n008_4981176895c0a02dfbefee-360x215.jpg 360w" sizes="(max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-caption-text">圖片：unsplash</figcaption></figure> </div> <div class="_page_ _page_13 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h2><strong>何謂量化財策？</strong></h2> <p>讀者月入85,000元，而太太月入10,000元，若有齊入息證明，可向銀行借盡借貸力，即約1,230萬元〔（85,000+10,000）÷10,000× 50%×2.59*〕。</p> <p>假設讀者兩個唐樓單位是有按揭的，每間借了200萬元，即借貸力用了約32%（400÷1,230）。</p> <p>若再買穗禾苑，以500萬元樓借七成（約350萬元）為例，借貸力會用至61%〔（400+350）÷1,230〕，勉強符合在旺市不用超借貸力五至六成之原則。</p> <figure id="attachment_79983" style="width: 1000px" class="wp-caption alignnone"><img class="wp-image-79983 size-full" src="https://images.edigest.hk/wp-content/uploads/2018/12/dgdsg_5913998035c0a4f5422604.png" alt="量化財策 居屋 公屋 校網 出租 風險 諗sir 理財個案" width="1000" height="600" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/dgdsg_5913998035c0a4f5422604.png 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/dgdsg_5913998035c0a4f5422604-800x480.png 800w, https://images.edigest.hk/wp-content/uploads/2018/12/dgdsg_5913998035c0a4f5422604-768x461.png 768w, https://images.edigest.hk/wp-content/uploads/2018/12/dgdsg_5913998035c0a4f5422604-165x99.png 165w, https://images.edigest.hk/wp-content/uploads/2018/12/dgdsg_5913998035c0a4f5422604-392x235.png 392w, https://images.edigest.hk/wp-content/uploads/2018/12/dgdsg_5913998035c0a4f5422604-360x215.png 360w" sizes="(max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-caption-text">圖片：新傳媒資料室</figcaption></figure> </div> <div class="_page_ _page_14 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <p>如買入後樓價上升當然開心，而由於不用超六成借貨力，表示買入後若樓價下跌，都還有餘力向銀行重組貸款，拉長供款期去降低月供金額。</p> <p>故讀者再買一間500萬元之下的樓是可以的，但600萬元或以上價碼的就很不智，此為量化分析財策。</p> <p>但由於讀者無報收入無交稅，銀行沒有證明，想重塑借貸力，就需安排公司出糧給自己，簡單說是有六個月出糧入數證明，但不是簡單到寫六張cheque給自己，就可以借到幾百萬元這麼容易。</p> <figure id="attachment_79781" style="width: 1000px" class="wp-caption alignnone"><img class="wp-image-79781 size-full" src="https://images.edigest.hk/wp-content/uploads/2018/12/11nnn005_14835080385c0a0117a2404.jpg" alt="量化財策 居屋 公屋 校網 出租 風險 諗sir 理財個案" width="1000" height="600" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/11nnn005_14835080385c0a0117a2404.jpg 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/11nnn005_14835080385c0a0117a2404-800x480.jpg 800w, https://images.edigest.hk/wp-content/uploads/2018/12/11nnn005_14835080385c0a0117a2404-768x461.jpg 768w, https://images.edigest.hk/wp-content/uploads/2018/12/11nnn005_14835080385c0a0117a2404-165x99.jpg 165w, https://images.edigest.hk/wp-content/uploads/2018/12/11nnn005_14835080385c0a0117a2404-392x235.jpg 392w, https://images.edigest.hk/wp-content/uploads/2018/12/11nnn005_14835080385c0a0117a2404-360x215.jpg 360w" sizes="(max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-caption-text">圖片：unsplash</figcaption></figure> </div> <div class="_page_ _page_15 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <p>筆者在「買樓003借貸力由無變有」的環節詳解過，需準備整套文件，並有正確向銀行應對的方法。 另外讀者太太借錢更應三思，因為一個準業主買樓，用自己作為董事的公司借錢出糧給自己，會很引起銀行注意。</p> <p>兩個唐樓單位能否加按，又是另一問題，生意人本身很需要資金在手，建議讀者留下一定現金，以應付市況差、資金鏈斷裂的風險。</p> <p>唐樓一般只可按五成及拉盡約15年還，即使加按得到，相比之下都供得較辛苦，因此讀者換走唐樓都需要安排。 穗禾苑有好有不好，價錢比較平，但租客的客路較少，不是每個人都合適。</p> <figure id="attachment_79721" style="width: 1000px" class="wp-caption alignnone"><img class="wp-image-79721 size-full" src="https://images.edigest.hk/wp-content/uploads/2018/12/house_5210637415c09f3a627698.png" alt="量化財策 居屋 公屋 校網 出租 風險 諗sir 理財個案" width="1000" height="600" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/house_5210637415c09f3a627698.png 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/house_5210637415c09f3a627698-800x480.png 800w, https://images.edigest.hk/wp-content/uploads/2018/12/house_5210637415c09f3a627698-768x461.png 768w, https://images.edigest.hk/wp-content/uploads/2018/12/house_5210637415c09f3a627698-165x99.png 165w, https://images.edigest.hk/wp-content/uploads/2018/12/house_5210637415c09f3a627698-392x235.png 392w, https://images.edigest.hk/wp-content/uploads/2018/12/house_5210637415c09f3a627698-360x215.png 360w" sizes="(max-width: 1000px) 100vw, 1000px" /><figcaption class="wp-caption-text">圖片：新傳媒資料室</figcaption></figure> </div> <div class="_page_ _page_16 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h2>延伸閱讀：</h2> <h2 class="article__title article__title--single"><a href="https://www.edigest.hk/81956/%E7%90%86%E8%B2%A1/%E8%82%A1%E7%A5%A8-%E5%82%B5%E5%9F%BA-%E5%80%BC%E5%82%B5-%E8%AB%97sir-%E8%AB%97sir%E6%8A%95%E8%B3%87%E6%95%99%E5%AE%A4-%E8%AE%80%E8%80%85-%E8%B3%AD%E5%A0%B4-%E5%B7%A5%E4%BD%9C-%E6%9C%88%E8%96%AA/">加按自住單位 套現500萬元 買債基賺40萬元息</a></h2> <p><a href="https://www.edigest.hk/81956/%E7%90%86%E8%B2%A1/%E8%82%A1%E7%A5%A8-%E5%82%B5%E5%9F%BA-%E5%80%BC%E5%82%B5-%E8%AB%97sir-%E8%AB%97sir%E6%8A%95%E8%B3%87%E6%95%99%E5%AE%A4-%E8%AE%80%E8%80%85-%E8%B3%AD%E5%A0%B4-%E5%B7%A5%E4%BD%9C-%E6%9C%88%E8%96%AA/"><img class="alignnone size-full wp-image-81966" src="https://images.edigest.hk/wp-content/uploads/2018/12/_16344358015c1cba39a9f24.png" alt="股票 債基 值債 諗sir 諗sir投資教室 讀者 賭場 工作 月薪 夫婦" width="1000" height="520" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/_16344358015c1cba39a9f24.png 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/_16344358015c1cba39a9f24-800x416.png 800w, https://images.edigest.hk/wp-content/uploads/2018/12/_16344358015c1cba39a9f24-768x399.png 768w, https://images.edigest.hk/wp-content/uploads/2018/12/_16344358015c1cba39a9f24-392x204.png 392w" sizes="(max-width: 1000px) 100vw, 1000px" /></a> </div> <div class="_page_ _page_17 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> <h2 class="article__title article__title--single"><a href="https://www.edigest.hk/81045/%E7%90%86%E8%B2%A1/%E6%BA%96%E6%96%B0%E4%BA%BA-%E7%90%86%E8%B2%A1%E5%80%8B%E6%A1%88-%E5%84%B2%E9%8C%A2-%E8%B2%B7%E6%A8%93-%E4%B8%8A%E8%BB%8A-%E9%8A%80%E8%A1%8C-%E5%84%B2%E8%93%84/">準新人月入逾40,000元 十年能買三間樓</a></h2> <p><a href="https://www.edigest.hk/81045/%E7%90%86%E8%B2%A1/%E6%BA%96%E6%96%B0%E4%BA%BA-%E7%90%86%E8%B2%A1%E5%80%8B%E6%A1%88-%E5%84%B2%E9%8C%A2-%E8%B2%B7%E6%A8%93-%E4%B8%8A%E8%BB%8A-%E9%8A%80%E8%A1%8C-%E5%84%B2%E8%93%84/"><img class="alignnone size-full wp-image-81089" src="https://images.edigest.hk/wp-content/uploads/2018/12/dfsf_595660025c138d24e11fb.png" alt="準新人 理財個案 儲錢 買樓 上車 銀行 儲蓄" width="1000" height="520" srcset="https://images.edigest.hk/wp-content/uploads/2018/12/dfsf_595660025c138d24e11fb.png 1000w, https://images.edigest.hk/wp-content/uploads/2018/12/dfsf_595660025c138d24e11fb-800x416.png 800w, https://images.edigest.hk/wp-content/uploads/2018/12/dfsf_595660025c138d24e11fb-768x399.png 768w, https://images.edigest.hk/wp-content/uploads/2018/12/dfsf_595660025c138d24e11fb-392x204.png 392w" sizes="(max-width: 1000px) 100vw, 1000px" /></a></p> </div> <div class="_page_ _page_18 "> <div class='code-block code-block-12' style='text-align:center;margin-left:auto;margin-right:auto;margin-top:8px;margin-bottom:8px;'data-type='all'></div> </div> <p>