[請益] 我應該成為父母的保人嗎?
簡述我的狀況,27歲,工作至今四年,月收入37,000,
家裡經濟狀況不佳,扣除每月帳單、交通、助學貸款等,實餘薪水約一半。
我的困擾是:
1.還在學時就讓爸媽拿自己的名字貸款買房子,
目前的狀況是房子、房貸在我名下,
但每月還房貸的人是爸媽。
2.去年還是前年,
爸媽因為金錢無法週轉,
用車子去貸款,
但我是保人。
出社會後,想說申請一張信用卡比較方便,
當時突然發現無法申請,
試了兩三次都不行,
我的工作從銀行的角度看應該屬於很穩當,
後來想想應該是因為我身上的貸款太沉重才無法核卡。
(有400多萬的房貸、每月5000多的助貸、還有一筆車貸的保人,但房貸車貸是爸媽繳)
最近父母又要貸一筆錢,
希望我再當保人,
我非常猶豫,
因為我覺得我的工作穩定、任職時間夠久,
信用卡卻申請不下來,
那代表父母掛名在我這的錢已經影響我的財務,
但是念書時,
父母對我們無條件的供應、也不強求我們打工、
甚至借信用卡給我們念書(雖然這樣很不好,但已是過去事實),
想到這些,
我實在無法斷然拒絕當保人,
板上的各位,請給我一些意見好嗎?
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※ 發信站: 批踢踢實業坊(ptt.cc)
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