我今年30歲,年收入約60W,但月所得約只有30K初頭,
打算購買800萬以下的房子(理想範圍在700-750之間),
目前家人資助加上自己的存款,頭期打算付250萬,
換句話說約貸款550萬左右,
因為房子是自己一個人要住,打算房貸也是我一個人負擔,
考量買房後除了每月房貸之外,
還有管理費、地價稅、房屋稅、水電費…等等其他費用,
不曉得以目前30K初頭的月薪是否會太重!?
請版上各位有買房的前輩給我一些意見!
感謝了!
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※ 發信站: 批踢踢實業坊(ptt.cc)
◆ From: 114.34.3.113
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02/19 12:12, , 1F
02/19 12:12, 1F
工作類似業務 因為獎金不是逐月發放 所以年收跟月收比例差距很大
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※ 編輯: holidaywu 來自: 114.34.3.113 (02/19 12:24)
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其實我的想法很單純
房子:3萬/月=36萬/年
生活:2萬/月=24萬/年
以上加起來剛好等於我一年的年所得
因為獎金還算穩定 所以這比較不擔心
只是這樣思考不曉得會不會太單純
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其實自備款付完後
我自己還預留約有100W的資金打算讓我慢慢繳房貸
加上自己月收入的話 房貸可以稍微減輕一點
只是不知道這樣算不算長久之計@@
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※ 編輯: holidaywu 來自: 114.34.3.113 (02/19 14:26)
※ 編輯: holidaywu 來自: 114.34.3.113 (02/19 14:35)
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