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Taoyuan couple buy dream home with hard work and smart strategy

Taoyuan couple buy dream home with hard work and smart strategy

2022-11-08

Many young people in Taiwan today feel that owning their own home is an impossible dream. But some are determined to make the impossible a reality. Let’s meet a young couple in Taoyuan, who with many years’ hard work and a smart strategy, have managed to buy their dream home.

At this restaurant in Taoyuan’s Neili District, five dogs serve as the most enthusiastic members of staff.

Restaurant owner Yang Chi-hung recalls how he and his wife opened the restaurant seven years ago, building on their experience in the hospitality industry.

Yang Chi-hung
Pet-friendly restaurant owner
I went a whole year with no days off. I was working about 14 hours a day.

Picking up a cup and making foam art is muscle memory by now. Four years ago, the couple’s monthly income was gradually approaching NT$100,000. They were saving up for a home, but couldn’t afford the soaring prices in Taipei or New Taipei. So they chose Taoyuan, and decided on a home in Neili District worth about NT$5 million for their first property.

Yang Chi-hung
Pet-friendly restaurant owner
Even I thought it was very courageous. If we failed then that would be it. The mortgage was NT$22,000. I think the loan increment was more than NT$10,000. So overall, just the mortgage was more than NT$30,000.

Wife of restaurant owner
We saw some houses that were NT$5 million, NT$6 million and NT$7 million. But at that time I didn’t think we’d ever buy something for NT$7 million. I think for your first house, you should just get what you can, and later you can get something nicer. You shouldn’t put too much pressure on yourself all at once.

After three years’ hard work, the couple were able to buy a three-bedroom, 50-ping house in Zhongli They lived there for four years, and then decided to upgrade. They renovated to attract buyers, and in the end, the house they had bought for NT$7.8 million was sold for NT$13.16 million. With money in their pocket, they could move into a spacious 80-ping home in Pingzhen, which they bought for NT$19.9 million.

Wife of restaurant owner
The agent sold the old house for us in two weeks. We had four, five or six potential buyers come in for a viewing every day. Maybe it was because we had renovated. Because, although I’m not so involved in the restaurant business right now, because I have to focus on caring for our children, I do have another job at home, selling cosmetics.

Yang Chi-hung
Pet-friendly restaurant owner
There’s more stress now. If I hadn’t moved there wouldn’t be any stress. We could live easily. But I moved. I’ve got expectations for myself. I want to live better, because it was really tough in the past.

In these days of high interest rates and inflation, even white-collar workers’ salaries can’t keep up with the runaway housing market. For middle class people to win at the property game, they need to make a step-by-step smart strategy like this family, be willing to move house repeatedly, and commit fully to the dream.

創業脫離雙北買房! 夫妻"小屋換大屋"

2022-11-08

生長在高通膨和升息時代,二、三十歲的年輕人,怎麼殺出重圍買房,成了大家討論的話題。桃園中壢就有一對三十多歲的夫妻檔,畢業後靠著創業、脫離雙北、先求有再求好的心法,成為首購族,一天工作14個小時不喊累,現在他們,以小換大,舊房子以裝潢擄獲買家的心、賣掉後賺進536萬,再以這獲利換到80坪大的房子。

走進桃園內壢這家餐廳,店裡五隻毛小孩當起店員,很受歡迎。

老闆楊期閎,回想起七年前,他用餐飲出身的優勢,和太太一起開了餐廳。

[[寵物友善餐廳老闆楊期閎]]
“曾經一年工作都沒有休息,每天上14個小時左右,上班。”

拿起咖啡杯,拉花已經變成習慣動作,四年前夫妻倆個人月收入漸漸接近10萬,好不容存到錢有了買房打算,但雙北房價高、根本買不起,因此選擇桃園、目標500萬左右的房子,在內壢找到第一間房。

[[寵物友善餐廳老闆楊期閎]]
“我自己都覺得很有勇氣,失敗就完了。房貸2萬2,那增貸應該是還1萬多塊,那總共光是房貸部分就3萬多了。”

[[寵物友善餐廳老闆娘]]
“看到5百萬的、6百萬的、7百萬的都有,可是那時候沒有想到說,我們會買到7百萬,就第一間房子的時候,先求有再求好,不要一下子就把自己壓力逼那麼緊迫。”

只拚了3年,就買下中壢這間3房50坪的房子,然後住了4年、打算以小換大。他們用裝潢擄獲買家的心,當初780萬入手的房子,現在以1316萬賣出,手邊錢變多了,他們轉進一間在平鎮80坪1970萬的大房子。

[[寵物友善餐廳老闆娘]]
“他(房仲)兩個禮拜就幫我們把房子賣掉,每天都約個四五組、五六組一直看。可能因為我覺得我們家有裝潢,因為像我現在雖然就是,可能餐廳的工作有比較少接觸到,因為要全心帶小孩,但我在家我也會有斜槓另外一個事業,就是我現在賣保養品。”

[[寵物友善餐廳老闆楊期閎]]
“更有壓力了啦,如果我不換,我其實沒有什麼壓力,可以好好過,可是我換了,就給自己一個期許吧,讓自己過好一點點,因為以前真的比較辛苦。”

生長在升息和高通膨時代,小資族薪水永遠追不上房價攀升速度,只有靠著聰明理財,以小換大,一步步腳踏實地達成買房夢想。

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