多倫多如Rosedale, Bayview Glen 等，溫哥華如West Van，Van West，香港如山頂，渣甸山等，買傳統豪宅靚區就不用擔心，富人聚居，業主持貨力強，供應少，人祇想越搬越好，bubble index 應該excludes 呢些properties as they don't get affected much.
Don’t think Australia property price will come down as the government will support the market by high immigration. Also during Covid , some people save a lot of money as buffer.
Hi Ju Can u make a video to talk about how stock price $ can be controlled ? Can you move a stock price using $100? Or $1000? How do u control stock price
Hot money from China is flowing into the Singapore market. But Canada will always stay robust. Mainland investors who did not need mortgage can always rent out the apartments first, and wait till the market ride out the storm.
Just want to share the housing market in Canada. There is only one City in Canada still got a positive sales ratio (y-t-d) base on last year Oct and Nov, 2022 data. This city is called Calgary. Probably, the population flow is already toward to somewhere with less living cost and less housing expense.
@The English bulldog Blondell Girl 😍 When looking at the whole Canada, Alberta has a higher income than other provinces and lower house price. I do not know people how to afford to buy a million dollars in Toronto and Vancouver with the average income, indeed. I would rather stay in cold and get little more money on my hand to live better. Everyone has their choice.
@@cathyp94 9 month of winter, It's +5 today. how was the lake effect in summer with 35C? how you like the snow and 100 car accident? how about hydrone rip off?
Vancouver housing price is way more stable than Toronto. Toronto has a lot of investors and workers. Vancouver has a lot of rich retirees. The housing price is still very stable in Vancouver but Toronto has been drop for three months already .
![2024美國大選點影響香港經濟+樓市？ [ENG+中文CC]](http://i.ytimg.com/vi/Fw2m9E6lhDA/mqdefault.jpg)
![2024美國大選點影響香港經濟+樓市？ [ENG+中文CC]](/img/tr.png)
阿豬，多倫多地產市場仲有好多fraud。上兩個禮拜，CBS有個節目叫Fifth Estate, 記者採訪一啲喺floating mortgage rate底下，可能不能提款嘅家庭。其中有啲話real estate agent 幫佢哋申請貸款。佢地收入本來直接去問銀行借錢，已遭銀行拒絕。但地產經紀話幫佢搞掂。結果而家利率上升佢哋先發覺自己還唔起錢。咁CBS記者就揀一啲喺安省嘅地產經紀去測試一下。竟然有20%經紀喺客人入息不夠情況下，用不正當方法為佢哋申請貸款。其中包括偽造入息證明，即係假T4 或假T4A。不過呢個情況由來已久。我聽以前會計師樓同事講，多倫多茶餐廳洗碗阿嬸都有兩個condo單位。我以前老細，一個香港人會計師，喺加拿大執業幾十年。佢都話用假入息證明申請銀行貸款係一個公開的秘密。銀行本身亦知道。不過礙於要爭取業績，就隻眼開隻眼閉。反正樓市一直升都未爆鑊。有時有人舉報，或者俾銀行compliance 或者internal audit 查到，咁就炒咗mortgage department 一批人。之後就business as usual. 我嘅意見係多倫多樓樓係咁升，銀行係背後最大推力。炒樓或買樓自住嘅，有幾多個係現兜兜full pay? 無銀行提供大量彈藥，個市點炒得起？
加拿大好多野都係表面好睇，人種多語言多大家好易呃呃氹氹，乜都take it easy 咁又過一日
遠至南半球的澳洲都係咁做，非常之common。d中國人唔用本地銀行，佢哋用係澳洲的中國銀行申請貸款⋯⋯咁佢哋可以用中國間屋借錢，用中國（假）收入作大來借錢⋯⋯唔講個d幫人洗黑錢，有政治目的的錢⋯⋯資產轉移的資金⋯⋯
A
就算是full pay 现时的condo物业费都已涨得离塞谱 普通薪水家庭 毫不夸张的讲 连物业费都快付不起 我有个condo 2017年买时物业费348 现在600😢
其實都好多地方係放盤越嚟越多但客越嚟越少情況出現，價格仲拉鋸緊，業主或投資者未肯減價，因為仲頂得住，但個市場都得返有實力買家，大家都睇淡唔肯減咪等吓先，睇吓班賣家頂到幾耐
[11:23] 正正材料的公司他們又要請老公 👍🏻❤
英國呢邊都係，好多華人都fomo加上看到近十幾二十年樓價都只升不降就大手買屋高追，諗住最多只會跌少少長遠必賺，但利率咁高不斷加息的大環境下又有咁大泡沫，對呢種看法真係好有保留，唔知各位點看
剛收到 BC Assessment property assessment letter, both land and building 嘅value 比舊年升左5%. My house is in 溫西。
多倫多如Rosedale, Bayview Glen 等，溫哥華如West Van，Van West，香港如山頂，渣甸山等，買傳統豪宅靚區就不用擔心，富人聚居，業主持貨力強，供應少，人祇想越搬越好，bubble index 應該excludes 呢些properties as they don't get affected much.
又係潮退先知邊個裸泳🤔 壞物業 vs 好物業
希望阿豬條片conclude with 啲展望會好D。
今條片純粹係事實嘅陳述。發生咗講返轉頭往往比較容易。
最大影響應該係早2-3年放寬mortgage而入市個批, 做9成個班就真係慘
尋日美聯署又講"無官員認為2023應該減息", 預計2025前都唔會減
支持房住不炒
啱,應該幾錢買入嚟,幾錢賣返出去.一蚊都唔準賺
@@hongkong128ppl from Asia in general had no idea what a healthy real estate market looks
謝謝分享！學了很多野！
支持阿豬😊
8:16 这里补充一个细节，加拿大五大银行其中有三家是就算达到了trigger ratio也不会强迫加月供的，可以选择多出来的利息叠加到本金上，除非叠加部份已经超过了房价的5%才会采取强制措施。
姐系2023過左就知2023會唔會跌啦，勁！！
看過幾條片之後，發覺阿豬係真嘅財經或投資人。再看原來是UPenn Wharton出來的。👍👍👍
多謝阿豬的專業分析。獲益良多。非常感謝
Don’t think Australia property price will come down as the government will support the market by high immigration. Also during Covid , some people save a lot of money as buffer.
多謝分享 清晰易明 😊
11:22 賣材料既公司請老公,請問可以去邊到應徵,我好DRINK壯
但加拿大而家買樓仲係要入紙狂bid爛bid先有得買，都唔知憑乜嘢🙄
佢咪租緊樓買都買唔到啦似家，啲租啊越貴呀。
謝謝豬豬的分享和分析🧐⋯⋯好好👍
其實又唔係單單係佢，強如英國Pension Fund ，成班金融專業人仕都低估環球加息危機，搞到差啲爆煲
歸根到底
因為大家無儲錢
如果有儲錢
就唔會甘stress out
Hi Ju
Can u make a video to talk about how stock price $ can be controlled ?
Can you move a stock price using $100?
Or $1000? How do u control stock price
Hot money from China is flowing into the Singapore market. But Canada will always stay robust. Mainland investors who did not need mortgage can always rent out the apartments first, and wait till the market ride out the storm.
Hot money from China ? you think so? Does China print money like usa?
Just want to share the housing market in Canada. There is only one City in Canada still got a positive sales ratio (y-t-d) base on last year Oct and Nov, 2022 data. This city is called Calgary. Probably, the population flow is already toward to somewhere with less living cost and less housing expense.
@The English bulldog Blondell Girl 😍 When looking at the whole Canada, Alberta has a higher income than other provinces and lower house price. I do not know people how to afford to buy a million dollars in Toronto and Vancouver with the average income, indeed. I would rather stay in cold and get little more money on my hand to live better. Everyone has their choice.
I know everyone is moving to AB but it's as cold af
@@abrahamchan388 well because you can't manage 9 months of winter when you have kids
Most home owners may not be average income
@The English bulldog Blondell Girl 😍 90% less snow and never 100 Car pile up, go figure
@@cathyp94 9 month of winter, It's +5 today. how was the lake effect in summer with 35C? how you like the snow and 100 car accident? how about hydrone rip off?
Vancouver housing price is way more stable than Toronto. Toronto has a lot of investors and workers. Vancouver has a lot of rich retirees. The housing price is still very stable in Vancouver but Toronto has been drop for three months already .
When I renew my mortgage
Payment should be up cad 1k if not more
谢谢主播分享訊息支持支持🍁🍁🍁👍👍👍👍💐💐💐💐
11:24 字幕: 老公v勞工
永遠都系要量力而為。就永遠無發達。
Thanks
美聯處有官員支持利息至少為持到2024年。今年有好戲睇。
小麥缺時搶小麥，小麥有貨時沒人搶。
豬哥仲有車貸（ALLY)，股價已經跌到疫情急跌位置，好有可能跌破疫情低位。呢樣野都會影響消費。
加拿大樓市已經由高位掉頭跌緊，如果跌幅似車貸ALLY 一樣咁就意味住2020年至今樓市係投機市而唔係穩健行情。
減價冇人買, 加價就人人搶😅
所以點解要消滅資本主義 就喺因為佢最鍾意戰爭 打亂供需平衡 好似美國咁最鍾意就喺販賣戰爭
Totally agreed your analyses 👍
11:24 賣材料嘅公司，我唔相信佢地要請老公囉🤔
好肯定間公司只有女職員🤔
其實交租每年都要20萬。。。其實買樓自住真係無錯。不過要預鬆動d. 預有cash不時之需。
覺得要看情況，買樓自住最大問題係會令你在財務上無左好大嘅flexibility對非cash buyer的風險愈來愈大，你覺得交租交咁多不如買樓，但轉個角度看個租其實都係買梗個自由度同財務上嘅靈活性有更多資金流。除非你係cash buyer,否則無咁大個頭就戴呢頂咁大的帽供30年甚至更多，將自己半個人生擺落去，值唔值得？真係見人見智
@@maxwong4746 你試過租樓被人加租同賣樓逼遷未？搬完又搬再搬。。。
仲有，人地間屋裝修永遠都唔會岩你心水。
有寵物仲大鑊，租到既樓都係無人租先輪到你。
@@cancherie38 我係英國租緊，今年的租比上年加左30%，電費仲貴左三倍，點會唔知？
你講嘅都我都理解，所以邊個唔想有屬於自己嘅家？
所以就要看你個人想要D咩，我就覺得依家唔係以前十幾廿年就供完間屋，係可能背住幾十年嘅mortgage，time cost咁長只要中間一個金融風暴或雷曼事件，或者依家咁瘋狂加息就可以令你連息都供唔起甚型間屋變負資產，而且呢幾十年都要死慳死抵咁過，即係連生活水平都降低埋。除非樓價跌番合理水平，否則買樓在現今世代對沒有cash buy能力的人是否一個符合成本效益的選擇？我唔係反對買屋自住，只係我嘅諗法係要量力而為，如果投放自己大部分身家甚至all in去買磚頭我就唔認同
咁樣， 點解人唔一開始就fixed mortgage (interest stays the same), 而要fixed payment?
教訓： 冇咁大個頭唔好戴咁大頂帽
好講得好好！
Thx
Happy New Year and Thanks for sharing!
新既一年又來了，請問對多倫多樓市有冇新睇法呢？😊
東京個樓巿年年都話跌年年都未跌，而家買樓個利息仲係好低...其實佢放任個匯率跌落去，係米就唔洗升息。通漲同樓巿(包括一般企業投資)二揀一
東京樓市比較難跌，但當然唔會升。
Like完先聽
🔥🔥🔥👍very informative
Thanks Ju!
唔同意.人可以無股票可以生存到.無屋住點生存?所以樓市會相對硬淨好多
@@tinmarco7926 岩呀，必需要住啫，但唔一定要買，可以租。
如果租係必須,即係樓市繼續有剛需,個價唔應該大跌o
全世界樓市都爆破😱😱😱😱😱😱
𠥔丰跌到$28就係手多買咗。household international, 還在眼底
樓市大嘅21年行一個週期，今次也一樣，跌一半先
啲人都唔起呀拎層樓出嚟放租而家啲租好貴夠晒cover啲供樓，我租一間房俾人。
加拿大依家先出政策唔比新移民兩年內買樓，以防止樓價上升
咁咪跌得仲甘
只是海外買家吾比買,新移民可以
本身外國人買，其實已經好少. 我相信由呢一點帶嚟嘅影響不大.
Ohoh 明白 唔該晒👍
Very good sharing
thanks ah ju
Cash buyer 仲係安全
我都唔明電解多倫多個市又開始升。。 黐線㗎
過兩日downtown Centricity 就開樓花，睇個developer 開28年個價好樂觀wor
builder又係，二手樓賣家又係，
見個市好佢哋加價容易，你要佢哋接受現實減價係一件好難嘅事
加拿大，太遙遠了。 不過，加息真係好麻煩。 成本一加，樣樣加。
perfect
how come SG ranked so low. SG property price has risen a lot.
so good
我2022年系美国买楼果阵问过呢种variable rate. 好彩果D mortgage dealer都话以前次贷危机之后就好少人搞呢种，我就冇再问落去
Thank you
澳洲呢? 移民人多, 新屋建得太少, 供不应求
Happy new year 🎉
而家揸住小小錢， 收吓息可以抵消吓啲租金， 但長遠利息可能會跌就入不敷支，到時樓價又升， 怕入唔到市， 而家入又怕個市爆😢
你指香港定加拿大？香港可能好少少，因為用緊美金。
fomc尋日先講2023唔會減息, 佢個通脹要由8%壓到2%先收手, 有排啦
真係衰退先諗入市啦, 而家入係接火棒
How about bubble index in China?
阿豬 加拿大樓市可以參考邊個index?
22年 年收入税前大概26万，系多伦多依然压力山大☹️☹️☹️ 23年如果赚唔到50万 我要爆煲啦
我屋同車都是cash buyer 所以不大影響
説得一D都無錯
Hong Kong real estates will crash before Toronto. People are leaving Hong Kong to move to UK and Canada
所以結論都係要減返息
Variable interest rate 咪H plan lor
👆夠專業理據分析市場走勢👍有冇機會可以分析到美國未來12-24月後利息走勢約（2024年）
尤其欧洲各大城市的房产，根本就是GDP虚高计算，一个清朝的大楼都能卖价？根本不符合经济规律和价值规律。南欧建筑上如果说是有装饰艺术性，北欧地区的房产根本就是没有没什么可看也没有附加价值。
哥哥仔你講少了一個最重要因素，就係老豆老母🤣🤣🤣有事就叫兩老比水救命丶剪埋草湊埋小孩家常便飯啦😂😂
👍
都唔知幾時全世界既樓市先可以爆😮💨
咁是否可買反向房地產ETF ?
呀豬，條片好正，請問2023年加拿大還會再加息嗎？12月財長話差不多加到頂了。
剛剛加拿大BMO先講2023年第一季會先加0.25%。
2023年會加多2%。
如何看待香江銀行遠遠唔跟足加息？
新法例(禁止海外買家買樓兩年)有影響呢？
我諗點都有少少嘅
真心想知香港會知，香港人最好撚
How's your DT toronto condo? I heard it's down 25% at 2x rate faster than suburbs.
2023-2025，港樓升，加樓跌
🎉🎉🎉🎉🎉🎉🎉🎉好嘢等佢爆
各位炒房客如果成為負資產的話不要跳下去 直接宣布破產由頭來過保重為要！
跌6乘
政治控制了樓價
咁幾時入市買多倫多樓 自住 第一季 or 第二季 請指点
点解阿豬當時無講中國樓市高危嘅
👍👍
加拿大央行剛宣布暫時停止加息，相信加拿大樓市會反彈
中國房地產市場己中了你所講幾點
之後會有大獲？
Fixed payment 同fixed mortgage interest rate 係咪一樣定唔同？ 如果宜加供緊fixed interest rate for mortgage, 咁照你既講法，我宜加淨係供緊interest？！
錯， fixed interest係固定利率 - 固定本金同利息. fixed payment 係variable rate, 但係每月俾錢係一樣， 但因為利息高咗， 所以本金咪少咗囉！
@@michanel888 thanks!
話 Dollar Yen 暴升，真系升。多倫多應該跌。。。
賣材料既公司要請老公😂
加拿大樓市冇泡沫就冇天理，點解？因為佢勁收移民，而佢新移民最多來自嘅地區，全部都喺DNA入邊寫住「買磚頭」
借問你會否買樓？如有計劃，何時？
會，遲啲
大陸樓高危？🤔
我想喺馬來西亞買一個apartment，唔知亞豬你有冇意見可以提供呢 ？
I haven't looked at Malaysia in-depth 🙁