70歲等不到都更?哪種公寓能買給女兒等50年? ft. 帥過頭【#財經風向球】精華版 20261022 ‪@中天電視CtiTv ‪@中天財經頻道CtiFinance — Transcript

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1. 0:07I’m curious, we've talked about urban
2. 0:09renewal and Chiang Wan-an’s policies,
3. 0:11but what we often see with urban
4. 0:12renewal is either the land dispute
5. 0:14chaos or the developers, especially
6. 0:16small-to-medium ones, who find
7. 0:17construction costs rising so high that
8. 0:19everything just grinds to a halt and
9. 0:21stays there, completely motionless.
10. 0:24Regarding the topic of urban renewal,
11. 0:25brother Shuai, you’ve said before
12. 0:27that you really don’t have the
13. 0:29lifespan to wait for it.
14. 0:31>> I don’t even know how long I’d have
15. 0:33to wait myself.
16. 0:34>> So, let’s assume I buy an old
17. 0:36apartment facing a major road right now
18. 0:38. It’s close to the MRT and faces a
19. 0:41main thoroughfare. And the area of old
20. 0:43apartments behind it exceeds 907 pings,
21. 0:45making it a 3,000-ping base; I think
22. 0:47everyone just hears this part.
23. 0:49>> Right.
24. 0:50>> Then I buy it in my daughter’s name,
25. 0:51and lease it out for 50 years, waiting
26. 0:53for you—I’ll definitely wait until
27. 0:55it happens.
28. 0:55>> Mm. I know, waiting for you—that
29. 0:58explosive profit, you know. Mm, so you
30. 1:01just don’t know when it can be cashed
31. 1:03in. I can’t wait, I actually can’t
32. 1:06wait, so I just buy it in my
33. 1:07daughter’s name and keep it rented
34. 1:09out.
35. 1:10>> Mm.
36. 1:11>> I’ll wait for you someday. Mm,
37. 1:13that’s it.
38. 1:14>> The conditions Chiang Wan-an is
39. 1:16offering now, one of the requirements
40. 1:18is a 3,000-ping base.
41. 1:19>> Mm.
42. 1:20>> There’s no 3,000-ping base in the
43. 1:22small alleys.
44. 1:22>> The whole area doesn't have it. Mm.
45. 1:24>> It’s very difficult. So what must it
46. 1:26be like? It must face a major road.
47. 1:29>> Mm.
48. 1:31>> The apartment units on this side, the
49. 1:33units on that side, the apartments near
50. 1:35Hulin Street and the intersection of
51. 1:37Zhongxiao East Road—it needs depth,
52. 1:38the front and back must be combined to
53. 1:40have enough.
54. 1:43>> If the front is willing but the back
55. 1:44isn’t, there’s no way.
56. 1:45>> Right.
57. 1:46>> Not enough depth. When I first saw this
58. 1:49policy "meat" from Chiang Wan-an, I
59. 1:51wondered who it would benefit: the
60. 1:53owners of these old apartments or the
61. 1:55developers?
62. 1:56>> Floor area ratio increase.
63. 1:58>> Mm.
64. 1:59>> You can build more. It favors the
65. 2:01landowners. Who are the landowners? The
66. 2:03current owners of the apartments. So
67. 2:06it’s not the developers, because once
68. 2:08you have these conditions, I can now
69. 2:10change to 3,000 pings. Farglory comes,
70. 2:13Shin Kong comes, everyone comes, each
71. 2:16making offers based on these conditions
72. 2:18, so it’s the owners who benefit. Mm.
73. 2:25>> And the residents end up with—if my
74. 2:27original urban renewal apartment was 30
75. 2:29pings, I get 30 pings back, so 40 pings
76. 2:32.
77. 2:37>> Everyone, this 1.33 increase, what does
78. 2:40that mean? If you are included in the
79. 2:42urban renewal, your 30-ping apartment
80. 2:44will result in 30 pings, you’ll get
81. 2:4740 pings of living space. Oh, so
82. 2:48that’s the actual result.
83. 2:52>> With the news that a 30-ping apartment
84. 2:54can be traded for a new house, will
85. 2:56owners of old apartments start feeling
86. 2:58their properties are becoming gold-like
87. 3:00and increasingly valuable? Should they
88. 3:06rush to sell while there's buzz, or
89. 3:08just hold onto them slowly, waiting for
90. 3:10the day of urban renewal? The first
91. 3:15thing is that only large-scale projects
92. 3:18benefit; for one, you must have 3,000
93. 3:20square meters. Second, you need to be
94. 3:24near an MRT station or riverfront,
95. 3:26>> meaning permanent open space.
96. 3:29>> Both conditions must be met; if your
97. 3:31site is only 500 square meters, don't
98. 3:33even bother mentioning it, as it’s
99. 3:35not worth discussing. It really won't
100. 3:40benefit you; even if you have a great
101. 3:42site, if you're not by the river or
102. 3:44near a station, it doesn't matter.
103. 3:48>> So, it depends on the location of your
104. 3:50property to analyze it.
105. 3:52>> Hmm.
106. 3:53>> Ah, you have this 4,000 square meter
107. 3:56plot. If another urban renewal project
108. 3:58happens nearby, you're out of luck. So,
109. 4:02for properties stuck in 6-meter-wide
110. 4:04alleys, or like you said, where you
111. 4:06can't assemble enough land because
112. 4:08others nearby already completed their
113. 4:10urban renewal, what could have been a
114. 4:13large-scale project is now only a
115. 4:14medium or small one.
116. 4:17>> High-speed rail, Taiwan rail.
117. 4:19>> Hmm.
118. 4:19>> MRT.
119. 4:21>> Hmm, so it's not the case that all old
120. 4:23apartments in Taipei City will
121. 4:24skyrocket in price, because only a few
122. 4:26might actually be valuable.
123. 4:28>> Right, only a few. Hmm.
124. 4:30>> First, it must be large; second, it
125. 4:32must be nearby.
126. 4:33>> Hmm, so do you think this news will
127. 4:35boost the market for Taipei apartments?
128. 4:37>> Yes.
129. 4:38>> Yes.
130. 4:39>> Those few will?
131. 4:40>> Those few will?
132. 4:40>> They will surge, they will surge
133. 4:42significantly.
134. 4:42>> Wow, a big surge.
135. 4:43>> Yes, a big surge.
136. 4:45>> A surge to that extent?
137. 4:46>> Oh, I see.
138. 4:47>> You mean the future significance is
139. 4:48just too great,
140. 4:49>> when multiplied by 1.33.
141. 4:51>> Hmm.
142. 4:53>> Its value will multiply by about 2,
143. 4:57>> or at least 1.7 times or more. This
144. 5:00policy is a boon for only a small
145. 5:02number of owners.
146. 5:05>> But I want to ask, for those looking to
147. 5:07buy apartments, has your stance on
148. 5:08Taipei City changed?
149. 5:10>> Unless it's a large-scale project.
150. 5:12>> Right.
151. 5:14>> If it's not a large-scale project,
152. 5:15buying and waiting in an alley, it's
153. 5:17not good.
154. 5:19>> So you wouldn't recommend it.
155. 5:20>> No, I wouldn't, because urban renewal
156. 5:22is just too difficult. About
157. 5:24large-scale urban renewal, I’d like
158. 5:26to hold on for a moment. I hope to
159. 5:29discuss accompanying measures for
160. 5:30large-scale urban renewal.
161. 5:33>> For instance, if I designate this area
162. 5:36as 4,000 pings, you’d need a 4,000-
163. 5:38square-meter project to meet my 3,000-
164. 5:40square-meter requirement. You’re
165. 5:43asking for 1,500 here. A 1,500-ping,
166. 5:471,500-ping urban renewal case. You can
167. 5:50apply for urban renewal over 1,000
168. 5:52square meters, but if it’s within my
169. 5:54designated zone, it’s not allowed.
170. 5:57You must make it impermissible. I—
171. 5:59I’ll wait for this period, and you
172. 6:01have to enact regulations so they can't
173. 6:03apply for renovations.
174. 6:05>> Cannot apply.
175. 6:06>> Urban renewal.
176. 6:07>> Only large-scale urban renewal.
177. 6:10>> Otherwise, you’re stuck, so this
178. 6:12supporting measure becomes...
179. 6:15>> Once passed, we must stipulate that
180. 6:16three years later, during these three
181. 6:19years, the scope is defined. From then
182. 6:21on, there is no urban renewal, no
183. 6:23renovations, only forced large-scale
184. 6:25renewal.
185. 6:25>> It’s a bit like the concept of
186. 6:27planning a rezoning area.
187. 6:28>> Right, it can’t be touched.
188. 6:29>> Mm.
189. 6:30>> It can’t, it can only build one
190. 6:32single building.
191. 6:32>> Right.
192. 6:33>> Meaning the same developer, one
193. 6:35building.
194. 6:35>> Mm.
195. 6:36>> No second one. Ah, the government
196. 6:39should handle urban renewal; don’t
197. 6:41have regular citizens do it. Don’t
198. 6:45wait until it’s finished to have
199. 6:47everyone talking about building
200. 6:48complexes. And then spend money on
201. 6:52contractors or construction companies.
202. 6:55>> Come, come, see how much you’re
203. 6:57involved; the government must do more.
204. 7:00>> For example, are apartment prices in
205. 7:02Taipei currently maintaining a slow
206. 7:04decline or a slight downward trend?
207. 7:06>> Slight decline, constantly dropping.
208. 7:08>> They are still falling recently.
209. 7:09>> Because, because they really can't go
210. 7:11up.
211. 7:11>> Mm.
212. 7:12>> I’m 70 years old; if it’s an
213. 7:14apartment, I’m truly not buying.
214. 7:16>> Mm, if I end up in a wheelchair, I
215. 7:18can’t get down. I absolutely won't do
216. 7:21apartments. Even the first floor of an
217. 7:23apartment isn't easy to sell. First,
218. 7:24the height of the fourth floor is a
219. 7:26deal-breaker, and third, the base is
220. 7:28too big—that leads back to the
221. 7:29large-scale renewal issue.
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