After a year of causual shopping, 3 consecutive weeks serious shopping, finally, we bought a Xmas present for ourselves! It's the biggest present we've ever bought but it's also a life time debt for us.
Yes... we bought a house^^
okay.... not exactly a house, but a small flat v_v. Anyways... the process was a little dramatic, and it doesn't happen a lot to first time home buyer. Why? because... the house is a 摩貨! what is a 摩貨? it's basically means the seller of the house sells the house before he physically owns it!
So what exactly happened? The seller of the house is an aggressive investor (i.e. 炒家) that he's also owning many houses at the same time. His goal is to buy a house and then sell it away within a short period of time to make money. However, becuz of the sudden new launched of policy measurement, he's afraid that his plan is not going to work out, so as a result, he will need to start paying mortgage for the house and probably for ALL the houses he owns. So now he rather sells the house at a cheaper price to make sure he has less debt.
So.... What's our benefit? He is willing to sell the house at a cheaper prize.
What's our risk? We cannot see the house before we buy it.
That's why I said first time home buyer normally would not buy a house in this way.
well... we gonna "receive" the house at Jan 31. And by that time, we'll know if the risk was worth taken :)
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