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2018年4月3日 星期二

房貸寬限將到期 新屋賣壓湧





評析:

長期追蹤版主文章的朋友們,應該看過版主寫的這段。

「買房,在台灣已經屬於慢性自殺的行為。除非,你是郭台銘或是張忠謀等級的大富豪。房價跌死也無傷大雅的好野人。不然,請把錢放在該有的保障上,例如充實自己的職業專業,買好商業保險,特別是醫療險及實支實付的險種,以好面對萬一健保倒了,或是健保沒錢能給付。版主是醫療人員,不是保險人員。但是因為在醫療的第一線看太多了。所以誠心建議,當屋奴是很危險的。一人生病,沒收入,還得繳房貸。太可怕了。繳不出還得被法拍銀拍。金錢的使用真的得三思啊。」


版主沒開玩笑,醫院的婦產科每天來產檢的,真的沒幾個。

 大家試想,台灣工作薪資低,福利差。健保遲早會倒閉。台灣哪來的福利可言?!

 年輕人也得為了前途奮鬥,哪能留在台灣。很悲傷,但是不得不面對的事實。

各位看倌,還是把現金留著,定存,或是買些好股票放著。

也比看著自己的房子房價狂跌,不但傷心還傷荷包





附上之前的文章,請大家細讀,也開始衡量。選擇一個更好的求學就業環境






◎馬雲:八年後最便宜的是房子車子,而最貴的是…

http://allmydearfriends.blogspot.tw/2017/12/blog-post_44.html?m=1









◎買房當救世主?!親愛的各位,別做傻事啊!現在進場,那是慢性自殺啊!!!

http://allmydearfriends.blogspot.tw/2017/11/blog-post_4.html






◎孩子是教出來的

http://allmydearfriends.blogspot.tw/2017/12/blog-post_20.html?m=1








◎在内地(大陆)就业的港澳台同胞将享有住房公积金待遇



http://allmydearfriends.blogspot.tw/2017/12/blog-post_17.html







◎二線城市“搶人”大戰住房政策成標配 落戶門檻降低 


http://allmydearfriends.blogspot.tw/2017/12/blog-post_34.html?m=1



附找工作求職相關的文章,祝福大家求職順利

◎美國 澳洲 荷蘭 德國 找工作網站 第一篇

http://allmydearfriends.blogspot.tw/2017/11/blog-post_26.html







◎美國 澳洲 荷蘭 德國 找工作網站 第二篇

http://allmydearfriends.blogspot.tw/2017/11/blog-post_74.html 







◎美國 澳洲 荷蘭 德國 找工作網站 第三篇

http://allmydearfriends.blogspot.tw/2017/11/blog-post_60.html







◎如何在中國找工作,請善用互聯網以及app

http://allmydearfriends.blogspot.tw/2017/11/app_26.html





◎海聚工程相關解釋:http://w.8610hr.cn/hj/hj_index.html




https://house.udn.com/house/story/5887/3055599



房貸寬限將到期 新屋賣壓湧

2018-03-28 00:28:08經濟日報 記者郭及天/台北報導

報系資料照片
報系資料照片
信用管制已解除二年,2019至2020年為屋主寬限期結束、進入本利攤還的首波高峰期。永慶房產集團業務總經理葉凌棋表示,預估將全台有5.5萬戶新屋面臨寬限期到期,屆時出現大量委售潮,大量賣壓湧現,其中又以桃竹地區每百戶有逾三戶的比例,賣壓最大。
葉凌棋表示,2016年3月解除信用管制,近年銀行競相推出寬限期、長年期的房貸專案,吸引買氣。
不少在2014年、2015年房市景氣最高峰、房價高點時購入預售案的屋主,在交屋時使用房貸寬限期,然而通常為三年的房貸寬限期,將在2019年至2020年進入還本階段的高峰期,以本利攤還金額為寬限期的3.8倍來說,屋主面臨償貸資金壓力大增,將會出現新一波委售潮。
全台在2016年及2017年合計約有18.2萬戶房屋交屋,根據永慶房產集團推估,使用寬限期者約占房貸戶的三成,預估將有5.5萬戶住宅面臨寬限期到期,其中又以新北、桃園各約萬戶為最多。
若以寬限期到期的戶數占家戶數比重來觀察,包括桃園及新竹均逾3%,新北、台中也有2.5%以上,將會是房貸寬限期到期後賣壓較大的都會區。

經濟日報提供
經濟日報提供
葉凌棋指出,通常會使用房貸寬限期主要可分為二類,一類為利用房貸寬限期較輕鬆的付款先購屋的購屋族,另一類為利用寬限期換取成本較低、時間較長的銷售期以求出售房屋的投資客,不過因為近三年來房價下跌,特別雙北、桃園目前房價與高點相較,跌幅均逾一成,屆時新屋屋主賠售出場壓力大增,甚至有可能出現更多房貸違約出現,或進入法拍市場。
葉凌棋表示,去年因市場資金充沛、台股出現最長萬點行情,房市買氣小幅增溫,不過交易量回升有很大原因在於屋主或建商讓利,今年雖然買方看跌房價比重,已降至七季以來新低,但若買賣雙方價格認知差距再度擴大,將會壓縮今年交易量成長的空間。

2018年1月15日 星期一

Cranberries singer Dolores O'Riordan dies suddenly aged 46




http://www.bbc.com/news/entertainment-arts-42696376



Cranberries singer Dolores O'Riordan dies suddenly aged 46

Dolores O'RiordanImage copyrightAFP/GETTY IMAGES
The Cranberries lead singer Dolores O'Riordan has died suddenly at the age of 46, her publicist has confirmed.
The Irish musician, originally from Limerick, led the band to international success in the 90s with singles including Linger and Zombie.
A statement from her publicist said: "The lead singer with the Irish band The Cranberries was in London for a short recording session. 
"No further details are available at this time."
A Metropolitan Police spokesperson said the police were called to a hotel in Park Lane at 09:05 GMT on Monday, where "a woman in her mid-40s" was pronounced dead at the scene. 
The death is, at this stage, unexplained. 
Her current band mates in The Cranberries - Noel Hogan, Fergal Lawler, and Mike Hogan - paid tribute to the lead singer on social media. 
The message said: "She was an extraordinary talent and we feel very privileged to been part of her life from 1989."
Her publicist added: "Family members are devastated to hear the news and have requested privacy at this very difficult time."
The Cranberries shot to international fame with their 1993 debut album Everybody Else Is Doing It, So Why Can't We? and went on to sell over 40 million records worldwide.
Media captionDolores O'Riordan led The Cranberries to international success in the 90s
In 2017 The Cranberries announced a tour including dates in Europe, the UK, and the US.
However, in May - shortly into the European tour - the group had to cancel the remainder of the European dates as a result of O'Riordan's health issues.
The official Cranberries website cited "medical reasons associated with a back problem" preventing singer Dolores O'Riordan from performing.
But just before Christmas O'Riordan had posted on Facebook saying she was "feeling good" and had done her "first bit of gigging in months", leading fans to believe she would soon be performing again.
O'Riordan tweeted a picture of herself with her cat to fans in early January saying she was "off to Ireland".
O'Riordan split from her husband of 20 years, Don Burton in 2014. She and Burton, who is the former tour manager of Duran Duran, have three children together.
The singer was arrested over an alleged air rage incident in 2014 but was released without charge, after a stewardess was reportedly attacked on a flight from New York to Shannon, County Clare.
O'Riordan was taken to hospital in Limerick after being questioned by police and later discharged.
Two years later, O'Riordan was ordered to pay 6,000 euros (£5,300) to charity for headbutting a police officer after an alleged air rage incident.
She was later diagnosed with bipolar disorder in 2015, which she said explained why she was in a "manic" state on the plane.
In an interview in 2013 she said that she had been abused as a child, which led to her developing an eating disorder, and eventually she suffered a breakdown.
She described her family, especially her children, as her "salvation".
Irish president Michael D Higgins called her death "a big loss", and added O'Riordan's work with The Cranberries "had an immense influence on rock and pop music in Ireland and internationally".
Taoiseach (Irish Prime Minister) Leo Varadkar said she was probably "Limerick's greatest ever rock star", and that her band "captured all of the angst that came with your teenage years".

'Unforgettable voice'

The Kinks guitarist and singer Dave Davies paid tribute to O'Riordan, saying he was "shocked" and that he had seen her "a couple weeks before Christmas".
He added "she seemed happy and well".
Irish rock band Kodaline were among the first to pay tribute on social media.
Duran Duran's official Twitter feed posted a message saying the band was "crushed" to hear of the singer's death.
Others to pay tribute include The Late, Late Show presenter, James Corden, who said meeting her when he was 15 years old "made his day".
Jim Corr from Irish band The Corrs tweeted offering his "deepest sympathies" to O'Riordan's family.
A book of condolence will be opened in her home town of Limerick on Tuesday, at the city council's headquarters.
O'Riordan, the youngest of seven children, had written her own songs since she was 12.
She joined the band while still in her teens, after spotting an advert for a female singer for rock band The Cranberry Saw Us. 
Later changed to The Cranberries, the band's most successful tracks include Linger (1993), Zombie (1994) - a protest song about bombings that took place in relation to the conflict in Northern Ireland - as well as No Need To Argue (1994) and To the Faithful Departed (1996).
O'Riordan briefly pursued a solo career after the band split in 2003, before The Cranberries reunited in 2009.

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