Wednesday, January 6, 2016

美國核准減重藥物(台灣未引進): Lorcaserin/ Qsymia/ Contrave/針劑Saxenda

美國減肥新藥 台臨床試驗明年完成 發稿時間:2015/11/14 15:16(中央社記者龍珮寧台北14日電)美國近3年有4種減肥藥上市,醫師表示,國內針對其中1種正在進行臨床收案及試驗,藥物機轉是抑制食慾,而國外結果顯示,服藥追蹤1年後,5成可減重5%2成減重10%。「2015年台灣醫學週—台灣聯合醫學會學術演講會」暨「台灣醫學會第108屆總會學術演講會」,今明2天在台北國際會議中心舉辦,台灣肥胖醫學會理事長黃國晉分享「肥胖藥物治療」。最近3年內,美國陸續核准4種可長期使用的減重藥物,包括2012年的LorcaserinQsymia,及2014年核准的Contrave與針劑Saxenda不過,這4種藥物還沒有引進台灣,自今年3月起,有其中一種在台大醫院、中國醫藥大學附設醫院及成大醫院進行臨床試驗,藥物的機轉是抑制食慾。黃國晉表示,目前國外臨床試驗追蹤1年後結果是,5成以上患者服藥後可減重5%以上,2成患者可減重10%以上。身體質量指數(BMI)24以上是過重、27以上則是肥胖。台灣肥胖醫學會參與今年在日本舉行的亞太醫學會,並共同簽署名古屋宣言「肥胖是一種疾病」,而肥胖會帶來許多慢性病,也會增加死亡風險。黃國晉說,衛生署調查顯示,BMI超過24以上的成年男性有50.8%、女性有36.9%。他指出,國內臨床試驗將招收200名肥胖且無糖尿病、B肝、C肝的患者,目已有100位,不過若服藥3個月以上,體重沒有減少5%以上就代表無效,應立刻停止用藥,試驗明年底完成。黃國晉指出,完成後會將結果及評估送衛福部相關單位審查,盼未來有其他的減肥藥物供需求民眾使用。但肥胖治療仍以調整生活型態像是改善飲食營養、增加體能活動為主,必要時才會提供藥物。

Contrave:  Bupropion/naltrexone is a combination drug treatment for obesity. It combines bupropion and naltrexone. Both drugs have individually shown some evidence of effectiveness in weight loss, and the combination is expected to have a synergistic effect. In September 2014, a sustained release formulation of the drug was approved for marketing in the United States under the brand name Contrave. The combination was subsequently approved in the European Union in the spring of 2015, where it will be sold under the name MysimbaThe FDA has put a boxed warning onto this medicine because it may affect mood and increase the likelihood of suicide. Although rare, signs of mood and behavioral changes should be reported to a doctor. Safety and effectiveness in children under the age of 18 has not been studied. Mechanism of action Individually, bupropion and naltrexone each target pathways in the central nervous system that influence food intake. Bupropion is a reuptake inhibitor and releasing agent of norepinephrine and a nicotinic acetylcholine receptor antagonist, and it activates proopiomelanocortin (POMC) neurons in the hypothalamus which give an effect downstream, resulting in loss of appetite and increased energy output. The POMC is regulated by endogenous opioids via opioid-mediated negative feedback. Naltrexone by contrast is a pure opioid antagonist, therefore further augmenting bupropion's activation of the POMC. Bupropion/naltrexone has an effect on the reward pathway that results in reduced food craving. In 2009, Monash University physiologist Michael Cowley was awarded one of Australia's top research honors, the Commonwealth Science Minister's Prize for Life Scientist of the Year, in recognition of his elucidation of these pathways, which led to the development of the combination medication. Orexigen submitted a New Drug Application (NDA) for this drug combination to the FDA On 31 March 2010. Having paid a fee under the Prescription Drug User Fee Act, Orexigen was given a deadline for the FDA to approve or reject the drug of 31 January 2011. On 7 December 2010, an FDA Advisory Committee voted 13-7 for the approval of Contrave, and voted 11-8 for the conduct of a post-marketing cardiovascular outcomes study. Subsequently, on 2 February 2011, the FDA rejected the drug and it was decided that an extremely large-scale study of the long-term cardiovascular effects of Contrave would be needed, before approval could be considered. It was ultimately approved in the United States in the fall of 2014. In December 2014, the EU's Committee for Medicinal Products for Human Use (CHMP) endorsed the combination for licensure as an obesity medication when used alongside diet and exercise. Approval was granted in late March 2015. In May 2015, Orexigen ended a safety study of its diet drug earlier than planned, because an independent panel of experts says the drug maker "inappropriately" compromised the trial by prematurely releasing interim data. The early data release reported a reduction in heart attacks that was no longer observed when a more complete view of the data was analyzed. Society and culture The sustained-release formulation, Contrave, is marketed by Takeda under license from the combination medication's developer, Orexigen Therapeutics. As of 2015, Orexigen received 20% of net sales from Takeda. At the time of its approval by FDA, Wells Fargo analyst Matthew Andrews estimated that Contrave's U.S. sales would reach approximately US$200 million in 2016, exceeding that of the dominant alternative obesity medications lorcaserin and phentermine/topiramate. Despite being initially impeded by technical issues, the growth in filled prescriptions in the first months after approval was very rapid — substantially exceeding the equivalent early uptake of either of the two alternative medications just cited. The first quarter of sales for Contrave (Q1 2015) showed net sales of US$11.5 million. Despite having been approved for use in Europe in March 2015, sales of Contrave have not begun as Orexigen has not yet found a marketing partner.

FDA approves weight-management drug Saxenda , FDA News Release, December 23, 2014 The U.S. Food and Drug Administration today approved Saxenda (liraglutide [rDNA origin] injection) as a treatment option for chronic weight management in addition to a reduced-calorie diet and physical activity. The drug is approved for use in adults with a body mass index (BMI) of 30 or greater (obesity) or adults with a BMI of 27 or greater (overweight) who have at least one weight-related condition such as hypertension, type 2 diabetes, or high cholesterol (dyslipidemia). BMI, which measures body fat based on an individual's weight and height, is used to define the obesity and overweight categories. According to the Centers for Disease Control and Prevention, more than one-third of adults in the United States are obese. Obesity is a public health concern and threatens the overall well-being of patients," said James Smith, M.D., M.S., acting deputy director of the Division of Metabolism and Endocrinology Products in FDA's Center for Drug Evaluation and Research. "Saxenda, used responsibly in combination with a healthy lifestyle that includes a reduced-calorie diet and exercise, provides an additional treatment option for chronic weight management for people who are obese or are overweight and have at least one weight-related comorbid condition. Saxenda is a glucagon-like peptide-1 (GLP-1) receptor agonist and should not be used in combination with any other drug belonging to this class, including Victoza, a treatment for type 2 diabetes. Saxenda and Victoza contain the same active ingredient (liraglutide) at different doses (3 mg and 1.8 mg, respectively). However, Saxenda is not indicated for the treatment of type 2 diabetes, as the safety and efficacy of Saxenda for the treatment of diabetes has not been established. The safety and effectiveness of Saxenda were evaluated in three clinical trials that included approximately 4,800 obese and overweight patients with and without significant weight-related conditions. All patients received counseling regarding lifestyle modifications that consisted of a reduced-calorie diet and regular physical activity. Results from a clinical trial that enrolled patients without diabetes showed that patients had an average weight loss of 4.5 percent from baseline compared to treatment with a placebo (inactive pill) at one year. In this trial, 62 percent of patients treated with Saxenda lost at least 5 percent of their body weight compared with 34 percent of patients treated with placebo. Results from another clinical trial that enrolled patients with type 2 diabetes showed that patients had an average weight loss of 3.7 percent from baseline compared to treatment with placebo at one year. In this trial, 49 percent of patients treated with Saxenda lost at least 5 percent of their body weight compared with 16 percent of patients treated with placebo. Patients using Saxenda should be evaluated after 16 weeks to determine if the treatment is working. If a patient has not lost at least 4 percent of baseline body weight, Saxenda should be discontinued, as it is unlikely that the patient will achieve and sustain clinically meaningful weight loss with continued treatment. Saxenda has a boxed warning stating that tumors of the thyroid gland (thyroid C-cell tumors) have been observed in rodent studies with Saxenda but that it is unknown whether Saxenda causes thyroid C-cell tumors, including a type of thyroid cancer called medullary thyroid carcinoma (MTC), in humans. Saxenda should not be used in patients with a personal or family history of MTC or in patients with multiple endocrine neoplasia syndrome type 2 (a disease in which patients have tumors in more than one gland in their body, which predisposes them to MTC). Serious side effects reported in patients treated with Saxenda include pancreatitis, gallbladder disease, renal impairment, and suicidal thoughts. Saxenda can also raise heart rate and should be discontinued in patients who experience a sustained increase in resting heart rate. In clinical trials, the most common side effects observed in patients treated with Saxenda were nausea, diarrhea, constipation, vomiting, low blood sugar (hypoglycemia), and decreased appetite.

The FDA is requiring the following post-marketing studies for Saxenda:  clinical trials to evaluate dosing, safety, and efficacy in pediatric patients; a study to assess potential effects on growth, sexual maturation, and central nervous system development and function in immature rats; an MTC case registry of at least 15 years duration to identify any increase in MTC incidence related to Saxenda; and an evaluation of the potential risk of breast cancer with Saxenda in ongoing clinical trials. In addition, the cardiovascular safety of liraglutide is being investigated in an ongoing cardiovascular outcomes trial. The FDA approved Saxenda with a Risk Evaluation and Mitigation Strategy (REMS), which consists of a communication plan to inform health care professionals about the serious risks associated with Saxenda. Saxenda is manufactured by Novo Nordisk A/S, Bagsvaerd, Denmark and is distributed by Novo Nordisk, Inc. Plainsboro, New Jersey.

Lorcaserin, currently marketed under the trade name Belviq and previously Lorqess during development, is a weight-loss drug developed by Arena Pharmaceuticals. It has serotonergic properties and acts as an anorectic. Mechanism of action Lorcaserin is a selective 5-HT2C receptor agonist, and in vitro testing of the drug showed reasonable selectivity for 5-HT2C over other related targets. 5-HT2C receptors are located almost exclusively in the brain, and can be found in the choroid plexus, cortex, hippocampus, cerebellum, amygdala, thalamus, and hypothalamus. The activation of 5-HT2C receptors in the hypothalamus is supposed to activate proopiomelanocortin (POMC) production and consequently promote weight loss through satiety. This hypothesis is supported by clinical trials and other studies. While it is generally thought that 5-HT2C receptors help to regulate appetite as well as mood, and endocrine secretion, the exact mechanism of appetite regulation is not yet known. Lorcaserin has shown 100x selectivity for 5-HT2C versus the closely related 5-HT2B receptor, and 17x selectivity over the 5-HT2A receptor.

Qsymia is a combination of two FDA-approved drugs, phentermine and topiramate, in an extended-release formulation. Phentermine is indicated for short-term weight loss in overweight or obese adults who are exercising and eating a reduced calorie diet. Topiramate is indicated to treat certain types of seizures in people who have epilepsy and to prevent migraine headaches. Phentermine/topiramate ER was developed by Vivus, Inc., a California pharmaceutical company. Phentermine is a sympathomimetic amine which acts as an appetite suppressant and stimulant. Topiramate is an anticonvulsant that has weight loss side effects. The exact mechanism of action for both drugs is unknown.

藥物警訊:糖尿病藥物的胸腺腫瘤風險  Liraglutide (VICTOZA) 發表於 2011/05/11  druginformation  近年來,向美國FDA申請許可的第二型糖尿病藥物有逐年增加的趨勢;20101月份,主張可與飲食、運動療程搭配的注射藥物 Liraglutide (VICTOZA) 經美國FDA許可上市。在我國,則有台灣諾和諾德藥品公司正在進行第三期的藥物試驗,以及另外4個尚未開始招募受試者的相關藥物試驗,分別由台灣諾和諾德公司與荷商葛蘭素史克藥廠提出申請。不過,縱使通過美國FDA上市許可,美國最大的非營利民間團體 Public Citizen 還是將 Liraglutide (VICTOZA) 列在「不要使用」(Do Not Use)的藥物清單中,主要的考量是:1liraglutide 將胸腺腫瘤風險提高3倍;(2liraglutide 將胰臟炎風險提高4倍;3)藥廠宣稱 liraglutide 能降低第二型糖尿病患者心臟病與中風之風險,但是沒有足夠的證據可證明。Liraglutide 屬於第二型糖尿病藥物領域中較新的一種分類  incretin mimetics」(腸促胰泌素類似物),以美國FDA而言,liraglutide是這個分類中被許可的第二種藥物;另外一種藥物則是禮來公司製造的 exenatideBYETTA)。 liraglutide 相同的地方是,今年(2011)二月,一篇刊登在腸胃科期刊(Gastroenterology)的研究報告指出,與其他糖尿病藥物相較之下,使用 exenatideBYETTA)的患者發生胰臟炎的機率高出了6倍。也因此,exenatide 同樣被 Public Citizen 列入了「不要使用」(Do Not Use)的藥物清單中。這些藥物都通過美國 FDA 的許可,然而,那是因為以新藥上市的法律規範來說,不以比舊有的藥物更有效、更安全為必要;以第二型糖尿病藥物而言,只要與安慰劑相較之下,能將血液中的糖化血紅素A1cHbA1c)含量降低,就符合有效的標準,這也是 liraglutide 通過 FDA 許可的原因。以 liraglutide 的試驗資料為例,這個試驗針對250名患者,在52週的時間裡,以隨機、雙盲的方式,分別給予1.8毫克的 liraglutide、或者是8毫克的 glimepirideAMARYL),結果發現,使用 liraglutide 平均可使患者的 HbA1c 降低0.6%,並且比使用 glimepiride 的患者降的更多。乍看之下,這樣的證據似乎證明了 liraglutide 比舊有的藥物更有效,但這對於臨床上糖尿病治療的意義為何,實在是耐人尋味。再者,根據 liraglutide 仿單中所敘述的,在另外一個維期26週的試驗裡,分別將 liraglutide glimepiride 都加上 metformin(甲福明),比較兩者的有效性與安全性。以有效性而言,兩組沒有顯著差異;但是,liraglutide 這組,顯然引起了更多的不良反應,例如噁心(15%3.3%)、腹瀉(11%3.7%)、與嘔吐(6.5%0.4%)。雖然 liraglutide 還沒有在我國上市,從上述美國的經驗可以了解,這一樣又是另一個在糖尿病藥物領域中,具有高風險的藥物。其實,如同先前在「糖尿病治療:藥物不是優先選擇」一文中提過的,對於第二型糖尿病而言,透過「飲食」與「運動」是最安全也最有效的治療方式。若是已經認真改變生活方式、但病情仍未改善時,第二步才是採取胰島素注射控制,並搭配血糖控制藥物。Source: http://pharmnet.tw/

 

華宇(健亞子公司) 攜 久立藥品 布局微創電燒醫材 !!!

健亞新清腸劑 下月上市 2016-01-06 02:19 經濟日報 記者黃文奇/台北報導健亞生技總經理陳正看好該公司第三代清腸劑銷售。健亞生技(4130)繼成功轉投資免疫療法新藥公司生控,總經理陳正昨(5)日再宣布,與藥品行銷公司景安成功開發「第三代清腸劑」,近期獲食品藥物管理局(TFDA)核准,最快下個月正式上市銷售。 健亞除藥品奏捷,也繼續切入高階醫材領域。陳正指出,子公司華宇攜手久立藥品,微創電燒手術(RFA)新醫療器材,該產品適用於甲狀腺結節、肝癌病灶清除,降低外科手術的副作用,近期將進入醫院等大型通路,三年內搶四成市占率,營收要破億元。健亞昨日股價收65元,下跌2.8元。不只藥品、醫材有新進度,陳正透露,將攜手泰宗生技、金穎生技共同開發將尿酸新藥開發,近期將向經濟部申請企業創新研發淬煉計畫,未來將率先攻「食品領域」,切入台灣痛風與高尿酸市場。健亞近期不僅在產品開發、銷售領域風光,轉投資事業也頗得意,其中,投資的生控基因等兩家新藥公司,都將在月底前登錄興櫃。在新一代清腸藥方面,陳正說,經多年努力成功開發新一代的清腸劑,能大幅改善現有清腸劑之各項缺點,如造成腹脹、絞痛、難喝噁心等。陳正說,號稱第三代清腸劑-Bowklean powder(保可淨散劑)以類似505b2特色新藥模式,由景安委託健亞於20127月開始切入劑型研究改良,進入開發流程四個月,突破專利障礙及困難的製程設計。

安成生技 陳志光 (總經理&執行長) IL-1β抑制劑 (Diacerein) TFDA新藥申請/ 罕藥外用劑型開發中(Epidermolysis Bullosa/表皮分解性水泡症)

安成生技關節炎藥 申請上市 2016-01-05 18:40 經濟日報 記者黃文奇╱即時報導 安成藥(4180)子公司安成生技今天宣布,該公司骨關節炎新藥骨瑞寧口服膠囊,正式向食品藥物管理署(TFDA)提出新藥上市許可申請,下一步將啟動國際開發與授權。安成生技總經理暨執行長陳志光表示,骨瑞寧口服膠囊產品將委由母公司安成藥來製造,所有原料藥與賦形劑亦均符合國際和TFDA標準。依據健保資料,台灣有近150萬退化性關節炎病患,且隨者人口老化,患者數目將持續增加。由於目前退化性關節炎病患藥物治療選擇有限,主要為非類固醇性消炎劑,另有葡萄糖胺與玻尿酸製劑。據悉,非類固醇性消炎劑僅能緩解疼痛,無法減緩關節退化,長期服用並有副作用疑慮。陳志光說,骨瑞寧是市場首見、可口服的介白素1β抑制劑小分子新藥(IL-1β),其信號的抑制已被證明可有效地治療多種疾病,包括關節炎,痛風,以及糖尿病。

安成生技AC-203發展中新藥獲衛福部食藥署罕病認定得申請藥價 2015.03.10  安成國際藥業股份有限公司今天宣布,其子公司安成生物科技股份有限公司AC-203候選藥物,獲得台灣衛生福利部食品藥物管理署罕見疾病及藥物審議會藥物小組初步審議通過,認定適應症為「單純型遺傳性表皮分解性水泡症(Epidermolysis Bullosa Simplex, EBS, 又稱先天性水泡症)」,並得先行檢附相關資料向中央健康保險署申請藥價核定。安成生技並已開發出有智財保護的經皮吸收劑型用以治療該疾病,並會依據核准函積極規畫後續開發與產品上市。安成生技總經理陳志光博士表示:"我們很高興AC-203能獲得台灣衛福部食藥署的罕見疾病適應症資格認定,用於治療單純型遺傳性表皮分解性水泡症,這進一步實現了安成生技所秉持,從事高端專利研發、用以滿足現有醫療需求 (unmet medical needs)的創新藥物開發使命。先天性水泡症是一種非常罕見的基因突變所造成的疾病,在台灣約有百名患有這種我們俗稱"泡泡龍"的罕見疾病的病童。我們希望這個AC-203的孤兒藥的資格認定能加速此候選藥物的開發。由於目前這個疾病的治療僅能以減輕搔癢、疼痛的症狀療法,或治療傷口,以期能降低感染的機會。但是這些治療方法可能使病患需常往返醫院及使用人工皮膚敷料,造成醫療成本上沉重的負擔;相對地,經皮吸收的AC-203劑型可能用來預防或減少水泡的發生,這樣就可以大大的減輕先天性水泡症患者及其家人的痛苦。"

關於AC-203 AC-203是市場首見 (First-in-class)可口服的小分子抗發炎新藥AC-201之外用劑型藥品。AC-203已證實能抑制caspase-1與介白素1β(IL-1β)的生產和活性,並能下調IL-1β受體表現。 IL-1β信號的抑制已被證明可有效地治療多種疾病,包括關節炎,痛風,以及糖尿病。 AC-201的有效成分自1990年中期在法國與部分歐洲國家如西班牙和義大利已被批准用於治療其他慢性風濕性疾病。安成生物科技股份有限公司擁有兩項AC-201的美國IND,一項為用於控制二型糖尿病患者血糖,另一項為治療痛風。AC-201在其在治療其他慢性疾病具良好的安全記錄,安成生物科技已完成之3AC-201二期臨床試驗,治療時期最長達6個月,結果亦顯示具良好之安全性。安成已於201410月獲美國 FDA認可AC-203用於治療遺傳性表皮分解性水泡症適應症之孤兒藥資格認定。

關於表皮分解性水泡症  (Epidermolysis Bullosa) 表皮分解性水泡症或稱為先天性水泡症、先天性表皮鬆解症、先天性表皮鬆解性水泡症,病因主要是負責維繫皮膚表皮與真皮附著的成分基因產生突變遺傳所造成,這包括keratin 5 or 14 (單純型)、laminin-5(接合型)及第7型膠原(營養失養型)。在美國的統計,每50,000個新生嬰兒即有一例表皮分解性水泡症病兒,目前國內病患逾數百人,屬於政府公告之罕見疾病。病人通常一出生皮膚就異常脆弱,稍微摩擦即造成破皮、水泡或血泡。長期之後,可能貧血、營養不良、皮膚變形、肢體萎縮、關節攣縮甚至產生皮膚癌與截肢。目前此種病症並無根本治療方法,僅能於患部每日換藥包紮以維持其皮膚完整並且不受感染。

關於安成生物科技股份有限公司 安成生物科技股份有限公司為安成國際藥業股份有限公司的獨資子公司,是一家總部位於台灣台北市的生物製藥公司,專門從事用於無適當醫藥可滿足現有需求(unmet medical needs)之創新藥物的開發,尤其是先天免疫力有關疾病藥物的發展。安成生物科技的產品開發系列包括三個候選藥物用於治療二型糖尿病,痛風、關節炎和免疫性皮膚疾病。

 

安成 老藥新用 Diacerein (AC-201) 布局 糖尿病及降尿酸與預防痛風(調控IL-1 beta)

 

屠呦呦新發明: 雙氫青蒿素治紅斑性狼瘡

屠呦呦新藥 可用治紅斑性狼瘡 2016-01-03 02:53 聯合報 記者郭玫君/綜合報導 大陸女藥學家、「青蒿素之母」屠呦呦獲諾貝爾醫學獎一舉成名,其長年研究的雙氫青蒿素除可治療瘧疾,近日更提出新藥申請,用以治療紅斑性狼瘡,可望造福許多女性。北京青年報報導,這是自一九九二年雙氫青蒿素被批准為一類新藥後,首次申請增加新適應症。報導指出,雙氫青蒿素獲批准為一類新藥後,屠呦呦開始重點研究青蒿素對自身免疫性疾病的治療。研究過程發現,雙氫青蒿素片對紅斑性狼瘡的治療也有明顯效果。近日中國中醫科學院中藥研究所提出雙氫青蒿素片增加適應症的新藥申請,已通過北京市食藥監局的初審,目前轉交至大陸國家食藥監總局,等待進一步審批。屠呦呦唯一的博士生、首都醫科大學中醫藥學院王滿元證實,此次增加適應症的新藥申請,就是申請該藥可用於治療紅斑性狼瘡。紅斑性狼瘡是一種慢性的自體免疫疾病,致病原因不明。其症狀千奇百怪,可能侵犯身體各種器官,宛如「千面女郎」。任何年齡層的人都可能得紅斑性狼瘡,但百分之九十患者為女性,好發年齡集中在廿歲到四十歲左右。王滿元表示,早在二○○四年,屠呦呦就拿到關於雙氫青蒿素增加適應症的藥物臨床研究批件;但從藥品生產而言,製藥工藝改變不大,利潤難以保證,因此未找到合適的藥廠提供經費。卡在經費問題,這項臨床研究遲遲未開展,也因沒有臨床研究報告,無法申請新藥或者新增適應症。

合富醫 王瓊芝 分享 買房經驗!!

王瓊芝 重視生活機能 2016-01-02 10:40:43 經濟日報 記者林宸誼╱台北報導 「不管景氣好壞,年輕人一定要想辦法先買房」,合富醫療董事長王瓊芝以過來人的親身經歷,提醒台灣年輕人不管房價高點或低點,只要負擔得起,就要買房,除了可以強迫自己儲蓄,還可培養自己的責任感,不亂花錢。合富醫療的事業版圖橫跨兩岸,因此王瓊芝經常上海、台北兩地奔波,也在兩地都有買房自住。她認為,年輕人、首購族買房,一定要衡量本身的經濟能力,不要輕率投資炒房,以她自己以往買房的經驗,都不是從投資的角度出發,更不可能從投機的角度思考,因此不認同年輕人加入炒房的行列。王瓊芝舉例,1987年她與丈夫買在位於大安區安和路的第一棟房子,當初著眼點在於自住,於是每個月與丈夫共拿出五、六萬元繳房貸,然而沒多久遇到利率上升,變成每個月必須要付10萬元,「實在負擔不起只好賣掉,改買在新店。」回想這段經歷,王瓊芝也覺得自己夠大膽。她指出,雖然缺乏買房經驗,但只求能有一處安身之所就下手,憑的就是想要握有住的自主權。事實也證明,只要是用來「自住」,不是要炒房獲利,買房並沒有所謂的合適時點,但前提仍要事前做好財務規劃。儘管現在大安區房價,每坪要100萬元起跳,但她並不後悔當初賣掉的決定,「因為完全以自己需求的角度出發買房,所以當時買房首重生活機能,像我們這一輩還要扶養父母、養家、養小孩,貸款已占到當時自己薪資的二分之一。」「貸款的好處就是逼你努力工作,訓練責任感。」王瓊芝指出,2000年與丈夫賣掉台北的房子,前往上海創業,落腳之處選在虹橋,雖然離地鐵站仍有段距離,但因為有了之前換屋經驗,也就擁有挑選好房子的精準眼光。對她來說,房子未必越換、越賺,但環境卻要越住、越好,「主要看中的是周遭有很多綠樹,這樣住起來舒服,對家人與我而言更重要。」王瓊芝深刻體會到地緣的重要性,離公司、住家近,因此當她從上海虹橋搭機抵達台北松山後,不用半小時就可以到台北的辦公室與家,可以減輕花在交通上的負擔。因此她給首購族的建議是,要先考量能力,不管是雙薪或個人負擔,先算出每個月可支配所得有多少,每個月可償還多少,再去考量買房的價位跟付款能力。王瓊芝認為,很多人抗拒2030年貸款,其實沒有必要,儘管今年房市比較低迷,但有些區段依舊沒有下跌,代表永遠不可能買到最低點,不妨調整買房心態,告訴自己這是投資人生,而不是投資房子,相信必定能如願買到理想的家。

alveice Team. Powered by Blogger.