BNO移民英國 Top 3 錯誤部署!

[@izisschung585]

加息、 樓市跌, 變負資產, call loan

[@ukpoa_alan]

bank will not call loan, unless you do not pay mortgage payment

[@msarkanyrend7216]

加息、楼市跌 =》Case 5 并非保证, 再加上有债务。 炒楼是有风险的。

[@ukpoa_alan]

加息等如樓價跌? 過五年回看這個留言...看看樓價有否下跌..

[@yukkingng7025]

你講得好快我聽得好辛苦

[@ukpoa_alan]

will slow down

[@albertchiu655]

總之，辛苦，壓力大!!

[@ukpoa_alan]

thanks

[@peterwong7599]

Excel表中的按揭還款數中只計算了利息，沒有計入還本數。如果計入還本數，是要動用cash中的UKP1,000,000的。

[@ukpoa_alan]

無錯沒有計還本, 因為英國按揭真的可以還息ONLY

[@hlo9909]

吾明移民身份無野做点借mortgage? 如遇上楼價跌, 遇上租霸, 維修雜費或無人租此等風險要加入評估, 如黑天鵝出現如近期港股, 退休人士可能訓吾到, 借盡吾止要膽大, 仲要好運至得。

[@ukpoa_alan]

除了樓價下跌這個風險是控制不到, 其他風險例如: 遇上租霸, 維修雜費或無人租, 有方法控制,不會發生. 當然如果好驚, 一係唔好藉錢, 一係直頭唔好玩...

[@PaulChungAnimator]

做 but-to-let mortgage 主要睇你租金收入夠唔夠每月交monthly payment. 理論上你放低20%. 間樓四四正正可以直接出租, 是可以的.

[@szewinglo1569]

其實去到邊度都係一樣，cashflow先係最緊要。奈何大部分人都係想避免利息支出而去full pay自住樓。槓桿功到盡當然係回報高，不過風險亦都會相應提高。得幾百萬資金唔好太勇槓得太盡，資金鏈斷裂後果嚴重！

[@形型樂樂]

肯定是好! 但case 5 可能太進取, 如物業加現金,作一定比例投資, 平行風險, 學好風險管理才可成為長勝將軍

[@ukpoa_alan]

謝謝你回覆👍🏻所以要自己衡量

[@ukpoa_alan]

👍🏻

[@jackychan3056]

@@形型樂樂 ..沁.、.。

[@jackychan3056]

@@形型樂樂 …灬.⋯不知道.…，

[@kennyiklei]

多謝分享。請問如果每月只付供樓利息而不付本金，那麼供了十年都是吉？那物業就算升值，除非變賣，其實也是liability/負債？對嗎？

[@ukpoa_alan]

wrong

[@victorlee6524]

認真便輸了

[@DMtheBestHK]

可否轉換封面的照片？

[@wch4972]

聽到"保險"二字，一定唔諗。 只有A準同保險公司係贏家。

[@ukpoa_alan]

thank you

[@henrylaw8627]

非常同意, 應承自己唔好買任何保險OK?

[@sanlingcheung2467]

正如意算盤：定息、加租、樓價有升冇跌⋯⋯萬一掉返轉，點算呢，亞哥？

[@ukpoa_alan]

if wrong, you still can receive positive rent

[@Stat8989]

But the property market is already high. May have capital losses...also ...Will rental market be always rosy? The higher the leverage the higher the risk of losses. Investment profile of the investor is v v important.

[@ukpoa_alan]

Maiwee, what's your formula to determine property market is high or low ? Any which market you are referring to ? HK or UK

[@Stat8989]

@@ukpoa_alan is there a tested scientific way to predict the market movement by an accredited institution? I believe its more of individual judgement call. Not forgetting interest rates will be going up. Not saying property in UK is a bad bet but putting all eggs in 1 basket is very risky.

[@Stat8989]

@@ukpoa_alan I am proven right now. Only after 6 months. Property prices in UK have peaked and are now falling together with the exchange rate. Mortgage rates are increasing too. Your video asking people to leverage up is not a good advise.

[@alicetang6931]

Thank you!

[@ukpoa_alan]

thx

[@老牛不以耳代目]

帶成千萬去移民.目的是.保障自己衣食無憂,🤔🤔🤔 帶個.結它+一個大面盆,同樣是可以保障到自己.一生衣食無憂重唔使煩🤣🤣🤣

[@ukpoa_alan]

?? thanks

[@cherryleung1804]

長知識👍👍

[@ukpoa_alan]

thx cherry

[@chichunglam9413]

幾年前匯豐定期派高息,有一群人以「借錢買匯豐收息」作為投資,推升股價由5X到8X,。後來匯豐改變派息政策,股價大跌,賣股還債,財息盡失。事件當然不能與「Top 3 移民部署」作直接比較。只是想指出,要提防市場逆轉的風險。

[@ukpoa_alan]

絕對同意, 所以要了解市場才好玩! 玩得保守就唔好做槓桿(mortgage)

[@lowaihungfish740]

而家都逆轉咗啦.，电费加咗幾倍又唔講'!

[@jadelee5382]

Thank you, very good info

[@ukpoa_alan]

Thanks!!

[@mtwg9307]

跟咗佢Case 5，现在就笑呵呵了，按揭利息上，楼价又跌咗，加埋滙率又勁跌，三面夾掔閒閒地蝕3成都係濕濕碎。

[@layslm3072]

想問下上網join了你們黎緊4月日＆10日的 online zoom 講座，已付了費用，何時收到你們的emailR zoom link? 等了一星期未見有你們電郵？請更進一下，thanks

[@ukpoa_alan]

will follow up for you . you should receive with in 2 days of sign up

[@wch4972]

very good advice

[@ukpoa_alan]

thank you

[@MrLegantWong]

Thank you so much

[@ukpoa_alan]

😁

[@royman4507]

而家英國d樓全面大升，想買hkd1.xM的樓而收到6%租的樓是否這甚容易? 連買到交收成功在英國都不易wo..可否講解一下如何做到，求教。

[@ukpoa_alan]

1- buy in the right area with alots of 100-200k houses 2- have sourcing agent that can Secured of Off market houses..

[@estherwu5437]

多謝Alan Sir分享～

[@ukpoa_alan]

thanks esther

[@chikongkwok6622]

講來講去都是俾錢人賺，買屋管理維修律師官司唔使錢食亞公

[@ukpoa_alan]

nice comment

[@kkliao3409]

想博到盡？當遇到資產價格調整，只可以跳樓。最近英鎊跌到趴街，一年前移民時拎過去既錢已經縮晒水，另外Case 5 風險最高，只係講物業一定會升值。李超人講過多次，可以借錢買樓自住，但千祈唔好借錢投資，有部分人秉持呢個信念，可以渡過以往30年的風暴並持續增加資產，好心唔好淨係講升唔講跌，講賺唔講蝕。多謝！

[@ukpoa_alan]

thanks for comment

[@陌上聽風來]

看到照片上那個張大口大聲吼叫，攤開手板又有小小肚腩仔的他！ 實在太好玩！可惜進來後，再也沒有看到這可愛的BB，連照片都沒有了...

[@ukpoa_alan]

我們新的影片會有可愛的BB😍

[@陌上聽風來]

@@ukpoa_alan 期待！並希望介紹一些BB的近況。

[@cy5026]

All about leverage. Same as borrow money and buy safe stocks, more liquid

[@ukpoa_alan]

totally different leverage game. Safe stocks , if drop, will margin call. House, if drop, no margin call.. Can see the difference Ping ?

[@superdragon7762]

女兒很可愛 😘👍🏻

[@ukpoa_alan]

Thanks~

[@Misschimagun2009]

呢啲片害人不淺。不停叫人買樓，一定租得出？一定有6％yield ？五年後勁加息又點？樓價一定升（你以為以前嘅香港。依家香港樓價都跌到仆街）？

[@ukpoa_alan]

thx

[@yg7tff]

英國好多地方租樓都係一萬蚊喺櫃拎咁多錢出去買樓咁

[@florencelau8509]

Thanks Alan sir for sharing. For case 5, we need to take other expenses associated with the rental properties into consideration as well as the tax. I want to know after those, how the net return looks like.

[@ukpoa_alan]

easy, just plug into the excel including tax...you just need to know how to play the tax game..

[@hoiincheang1070]

Case 5係假設樓市會升，但如果樓市一個逆轉，又或者無租客，租霸，好多未知數，咁壓力山大。 最安全：一間FP自住，一間FP出租，留一部份現金傍身，找工作。 請問：英國只付利息，意思是否假如棲市升，間屋升值咗，但如果跌呢，銀行會否追債？

[@ukpoa_alan]

will not call loan

[@形型樂樂]

應同前言。 但因人生路不熟，特然需要錢周轉就麻煩，因為不是話賣樓就很快就可以賣出。 但是否要FP所有物業呢?有相確, 或可作少部份上會, 留點現金作收息,也可減低少許供款利息

[@lojamescc]

Agree. One flat for personal use, one for rent to get positive cash inflow

[@thomaswck1]

Alan Sir, where have 5% return except property?

[@ukpoa_alan]

anywhere outside london has

[@rickylau7713]

想問吓case Five收租 $106071，要交幾多稅，計咗呢條數未？

[@ukpoa_alan]

not include tax

[@albertchiu655]

分析合理!!👍👍👍

[@ukpoa_alan]

thanks albert

[@gigiwong1973]

Are u sure7年後會資產升一倍？英國經濟開始下滑你會不會太樂觀？香港樓價97年落咗幾多年？到那年才不用負資產。。。。

[@ukpoa_alan]

let's watch this video in 2028 and see :)

[@MrLegantWong]

Bright idea

[@ukpoa_alan]

Thanks! John

[@credterfe]

Caution. Fixed mortgage rate may increase by end of year.

[@ukpoa_alan]

yes, maybe, buy fast HAHAH

[@royman4507]

case 5 可否考慮稅後情況？

[@ukpoa_alan]

case 5 will have alot more taxes VS case1 but you will be much Richer for case5 than Case1

[@KC-xm2kd]

😊

[@ukpoa_alan]

thx

[@Billy-i5z5s]

去外國唱臭人地國家？啱啦回來保衛國家！小朋友到中學就下鄉讀書睇驗吓農民的辛酸！

[@sanlingcheung2467]

😢

[@ukpoa_alan]

stay positive

[@asdf30000cl]

Case 4, the income for a 5.5M HKD house may not be able to generate $27,500/m and also for case 5

[@ukpoa_alan]

you are right. that's why you won't buy 1x $5.5m HKD house you will be 3x $1.83M HKD houses

[@joewong2742]

😊😊😊Is an 3

[@ccbb181]

鳩噏當秘級,樓一定賺就無窮人啦.1999年資產大跌死幾多人你知吳知呀？就係很多人有幾個負資產物業在手,銀行追差價而仆街,知道嗎？

[@ukpoa_alan]

thanks

[@sandytong8876]

亂講，我2015買個近千萬港元楼，依家的價格冇分別！

[@civiclau]

但首要真係每月都一定放到租…

[@ukpoa_alan]

肯定得, 點解可睇 kzbin.info/www/bejne/bnfTio2jhpuSlbc

[@shadowan1024]

肯定得, 當然要at least basic 裝修. 英國閒閒地一星期租出

[@royman4507]

另外自住樓在沒有工作情況下如何能做mortgage..我已身在英國，能否做到?

[@ukpoa_alan]

住在英國或香港沒有收入情況下都有方法做Mortgage

[@yypoon3133]

如果例子有考慮稅項支出會比較實際

[@ukpoa_alan]

大家有免稅額, case4應該都未過

[@musicholic3027]

首先要有800萬wow

[@ukpoa_alan]

more or less , strategy is similar

[@christmasmerry8801]

八百萬？個個都有咩

[@alicetang6931]

1,2

[@ukpoa_alan]

thx

[@MrLegantWong]

Genius

[@ukpoa_alan]

謝謝支持! John

[@angelatamj8428]

中顺

[@cindyho1748]

冇做野搵阿茂借錢比你做按揭

[@ukpoa_alan]

冇做野, 就要諗方法點先借到錢 如果有興趣了解更多，可先上我們的濃縮班，濃縮班當中除了有投資英國物業的知識，也會有Q&A時間給你發問Alan Sir的。現在有早鳥價$280，可參考: bit.ly/2SO6UxU

[@kevin102506]

9upper 🙂

[@ukpoa_alan]

thank you

[@wch4972]

一同二都不可取

[@ukpoa_alan]

thank you

[@ahmo8454]

for UL, the 5% interest after 5 years is tax free also?

[@ukpoa_alan]

就算係都冇用, 得好少$

[@anyoneisnoone]

​@@ukpoa_alan 「就算係都冇用」？咁究竟係定唔係？你片入面話係喎...

[@bowiewongchishing]

算吧啦

[@mmmom6469]

移英今次一舖清袋

[@ukpoa_alan]

be positive

[@faifai4261]

財務達人

[@ukpoa_alan]

thanks fai

[@Yesnorah]

簡單黎講，槓桿，市好咪贏咯

[@victorlee6524]

最錯嘅部處咪就係移民去英國！

[@tentenoneng9944]

good

[@ukpoa_alan]

thx

[@drlam9439]

如何與你們聯絡有関home mortgage rates?

[@milkfat19780520]

同問

[@ukpoa_alan]

我們不是按揭經紀,但對英國按揭玩法都幾熟悉, 詳情可以來我們的八小時講座bit.ly/2SO6UxU

[@ukpoa_alan]

我們不是按揭經紀,但對英國按揭玩法都幾熟悉, 詳情可以來我們的八小時講座bit.ly/2SO6UxU

[@quan-jb5mi]

報喜不報憂？

[@ukpoa_alan]

plz comment your "憂"

[@wongdicky13]

英國人都窮到食狗糧，仲過去🤣

[@Abc123ijno]

你有冇聽過炒樓炒到破產？你一定會將所有樓可以租出去？你現在講的是買只雞蛋變雞埸的故仔，高風險高回報，你剩係看到回報，未看到風險，你的意見都係小學雞囉。

[@ukpoa_alan]

當然投資就會有風險，所有需要先了解投資地區，類型，市場供求等等。這就是我們UKPOA提供給大家的，幫大家先了解後投資。 如果對我們有疑問或有興趣可先上我們的濃縮班，濃縮班當中除了有投資英國物業的知識，也會有Q&A時間給你發問Alan Sir的。一定能解答到你的疑問😉報名可參考: bit.ly/2SO6UxU

[@NaNgo-ds1xo]

@@ukpoa_alan 、'',一、

[@puishanyeung7491]

,一一一一一一

[@loklok9963]

兩個字、戇鳩

[@kammanfan9650]

信你一成雙目失明

[@ukpoa_alan]

thanks for comment :)

[@諸葛孔明-s7h]

咁你咪返香港或大陸囉英國都唔歡迎你呀大外宣唱衰英國，好懷疑你是真的在英國嗎？

[@ukpoa_alan]

thx

[@jadelee5382]

I like to join your class, how to join pls email me link

[@ukpoa_alan]

🇬🇧英國二手樓投資( 我應如何開始, 8小濃縮時課程!) 🚩🚩 bit.ly/UKPOA_YT 🚩🚩