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<1> Assuming that (1) your new unit in parramatta can be rented out at 400/week, (2) your mortgage is 80% of the purchase price, (3) your depreciation is around 8K, (4) using an interest-only loan of 7%, then your annual loss in this unit is probably around 3000 per annum (or equivalently -60/week).
<2> Assume you purchase another 300K unit, again with 80% mortgage and 7% IO loan and your family will pay the 20% + stamp duty, you will be paying 323/week for the interest and probably another 60 for all other fees (strata, ...).
Presumably you are renting at the moment. If your rent is no less than 383/week, the additional purchase won't affect your cashflow. If your current rent is 300/wk, that's going to cause you another 83/week loss.
If you can afford the additional loss in cashflow, you'd better buying another one rather than paying the similar amount of money to the landlord.
<3> A few practical issues to consider:
* you probably need to get a 'good' broker to get the loans.
* you probably want to live in the parramatta for some time, if you are getting the FHOG or if you want to take advantage of the tax benefit of the PPOR. If so, that's going to cause a distress to your first year's cashflow.
* it is probably hard for you to get a good 2-bedder for ~300K. By 'good', I mean capital growth potentials.
* you'd better do all the calculation using an interest rate of 9% to factor into possible hikes in the interest rates.
* your job securities (and your wifes), possible incidental expenses, etc., should also be considered.
原帖由 thislin 于 13-1-2009 14:00 发表
前年下半年我看中了parramatta的一套楼花（比较近超市，在火车线旁），价钱小43万，这楼今年年中就要盖好。
现在我想再买一套30万左右的房子自住（准备选个交通便利以后也容易转成投资房的），我LP强烈反对，她一直 ...
[ 本帖最后由 unamedplayer 于 22-5-2010 18:44 编辑 ] |
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楼主: thislin
发表于 19-5-2010 20:25:25
