Re: [求助] 難解的金錢習題
※ 引述《happyatt (happy all the time)》之銘言:
銘言又高又長 蜀山
看完原文後,身為男方當事人,不得不跳出來喊一聲「塊陶啊~!這種男人千萬別嫁。」
就算有證嚴法師寬容心胸,也無法容忍此等荒唐事的發生在世間吧...
直到回神過來想了想,怎麼內文陳述跟事實有那麼一點出入 XD(蓋上黑布)
與女友聊完後,或許應該將兩造雙方的想法與處境說明得更清楚些,才會有建設性的反饋
這是發文取暖的主要目的。
兩造雙方而立之年,交往屆滿八個月,氧氣版結識交往(離題了)
彼此薪資水平近乎雷同,合計年薪約兩百,皆在穩定的上市公司任職
男方有幫人養老婆(經歷前兩任感情)的壞習慣,故積蓄僅百萬餘元
現住三房格局老家,餘五百萬貸款,單親,家有自給自足的老木,與即將嫁去大陸的老妹
老木則已有立遺囑未來房子扣除男方繳納的貸款金額後,殘值再由男方與老妹共同繼承。
由於女方期望有一個舒適的居(衛)住(浴)環境
男方將二十年的房子整修一番,也因此花光了積蓄
此外也與老木更換臥房,入住主臥,代價就是老木希望主臥的人應負擔剩餘房貸擔起責任
因男方從小到大由單親老木獨力扶養,未曾為家裡分擔家計,說起來是讓她老人家辛苦了
霸特
男方每每想到一年42萬的房貸壓力,心裡還是會感到焦慮
老木認為,家裡的事不應該由他人負擔,所以現時堅持不過戶,雖然這一點我十分不諒解
男方則認為,固定薪資繳納房貸後,也許沒辦法想以往一般自在快活隨心所欲
再加上女方的遠慮,男方曾提出過既然產權無法過戶,就由律師朋友協訂婚前契約的方式
約定未來若兩造無緣各自分飛,則女方可依期間依法向男方索取其負擔之各項費用
如果不想負擔房貸,則可以選擇搬回到小房間(約五坪),繼續過小屁孩生活
或是整修費改由老木負擔,兩造獨自買房或租屋,無憂無慮的過兩人的小天地就好
與老木的長期溝通後,衍生出以上幾個折衷做法,卻難與現行方式比較,需要更多智慧
房屋貸款部分,剩餘466萬,採本息攤還,可隨時更改為本金攤還
固定年利率2.13%,不會隨央行利率變動,現在比較起來利率較高
但若日後央行升息,屆時壓力才不會隨之高漲
若有急用可另與放款單位調度資金(六百萬內是可自由運用的額度)
對於女方的遠慮,男方除了給予法律上的保障外
能給的也都給了,該花的也都花了,能想的也都想了,但似乎未能解除憂慮
難道一個年收兩百萬的家庭(未含老木7~80萬),負擔房貸後仍養不起小孩嗎(驚! @_@
奉勸女方若沒有決心請早日放生,男方可是會吃人的吸血鬼。
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