Fw: [新聞] 千萬房貸難扛 雙薪10萬「月剩8千就不錯」
※ [本文轉錄自 Gossiping 看板 #1LVaJd7C ]
作者: Jossi (Jossi) 看板: Gossiping
標題: [新聞] 千萬房貸難扛 雙薪10萬「月剩8千就不錯」
時間: Mon Jun 15 11:22:12 2015
1.媒體來源:
東森新聞
2.完整新聞標題:
千萬房貸難扛 雙薪10萬 「月剩8千就不錯」
3.完整新聞內文:
東森新聞 2015/6/15 上午 09:20:33
買房、背房貸,網路上出現背一千萬房貸的討論,一位35歲施先生,夫妻倆
雙薪約十萬,但背千萬房貸,一個月要將近六萬,最近小孩又出生,扣掉生活
開銷,夫妻倆每個月剩八千塊可運用,住好房子他們要付出什麼代價,又
如何省錢?
哄著才剛出生兩個月大的兒子,35歲的小施在地產業上班,只要休假就在家當
超級奶爸,跟太太兩人雙薪扛家計,因為他們還有一個千萬房貸的重擔。翻開
一整疊帳單,要扛千萬房貸真的不容易,四年前小施跟太太買下位內湖20坪大
一樓房子,總價一千五百萬,貸款一千萬,以利率百分之二來算,貸款年限20年
,等於每個月要繳五萬多房貸,夫妻雙薪加起來快十萬,不過小孩剛出生,經濟
壓力立刻浮現,扣除電話、水電、瓦斯、交通和伙食費,嬰兒奶粉和尿布四千塊
,還沒請保母,就至少有三萬二必要開銷,大約只剩8千塊可儲蓄運用。
地產業員工小施:「我的車開十幾年了,都沒有去換,所以說(扣開銷後),到月
底剩下一兩千塊就不錯了。」省吃儉用,夫妻倆一年多沒出國玩,家用品一切以
省錢為主。地產業員工小施:「一切都是以省電為優先,大部分都自己煮,然後
煮的部分就是,一次煮就會煮比較多一點,上班的時候可以帶便當。」夫妻月薪
十萬,勉強過得去,但背千萬房貸的心聲有多苦,網路上也掀起討論,有網友分
享跟太太薪水各三萬多,扣掉勞健保餐費等,每個月繳三萬多房貸,竟然只剩兩
千塊元可用,家用開銷全靠妻子,有人回應,背千萬房的感覺像是在走鋼索,聽
完覺得很痛苦,到底多少薪水才能負擔,民眾也有共鳴。民眾:「雙薪的話要15萬
吧。」民眾:「如果有小孩的話,應該要更多,大概要12萬。」房價物價拼命漲,
對於雙薪十萬以下的上班族小家庭來說,千萬房貸恐怕也不是人人都背的起。
4.完整新聞連結 (或短網址):
http://news.ebc.net.tw/apps/newsList.aspx?id=1434331233&cat=Lifestyle
5.備註:
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 114.42.190.28
※ 文章網址: https://www.ptt.cc/bbs/Gossiping/M.1434338535.A.1CC.html
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※ 發信站: 批踢踢實業坊(ptt.cc)
※ 轉錄者: YOPOYOPO (203.64.138.253), 06/16/2015 13:45:17
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