有關買樓投資的問題

I won't suggest to change this kind of investment,because i think you're having cheaper rent in each flat so could afford the bank paymont,it would not be easy for your family to change another kind of newer appartment as the bank will not give the morgage easily especaily you said the income not stable.the only things to concern would be the amount of repair..
Or ..if you could sold the flat,think about the stock but choose the good one..

舊樓嘅升值潛力相對低,如果你唔驚有一日無咗租金呢項收入,你應該搵番啲回報高嘅樓,可以的話選擇集中投資一個大單位吧,始終大型單位升幅比率亦比較高,真的想揾的時候可以打比我介紹比你...63988317

風險包括銀行加息、失業、收入減少、遇上租霸、單位未能出租等。個人建議你家人不要再買樓，有錢趁息口低，早Ｄ贖樓。美國經濟下滑，拖累全球經濟；二十年是很長的時間，今日唔知明日事。

風險是相對的, 當你對未來的經濟前景, 全家人未來的收入有沒有信心, 會收唔到租金, 樓價會升, 會跌等.

基本上, 靠租金供樓, 供滿後層樓是你的, 很理想, 但個人認為買三間平價舊樓, 升值潛力不多, 是否博收購, 如果不是, 價值在那裹,

何不賣了它, 把錢合併買一間有更好升值潛力的新樓.