25歲男生,今年大學剛畢業,
工作第五個月,年收稅前1.1-1.3M,
從事沒時間花錢的行業所以每個月生活費大約15K
無汽車,交通以單車為主,
無投資經驗,有學貸可分14年還,
無其他負債
前幾個月收入全寄回家已替家裡提早還清台北房貸,這個月開始父母因為還沒退休所以要我錢自己留著
目前在嘉義受訓住僱主免費提供的宿舍,明年八月回高雄服務
目前已經看好要租的三房兩廳,
月租約兩萬
有大學同學勸我不如買房,
但我目前沒有自備款,也不想讓辛苦拉拔兄妹兩長大的爸媽再有經濟負擔(兩個人月收入相加還比我少)
又就算有自備款後,根據我買房預算每個月要繳的房貸+學貸後,自己過日子是絕對綽綽有餘,但會犧牲四年內太多生活品質(自己享受或出錢讓身體還硬朗的父母出國走走)
目前我狀況是買房衝動很低外加苦無對象
短期內除非有遇到人生伴侶進入雙薪模式(期待三十歲前)
否則想等到四年訓練後晉升有保證薪3M/y時,可以更有買房實力並且鎖定更高坪數
想問問這裡的前輩們這樣的觀念有沒有什麼需要修正的或是值得堅持下去的地方?
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