[閒聊] 粗估算一下 什麼叫買房應"量力而為"
歷來不少版友發問過 我這樣的薪資條件適不適合買房
根據最普遍一般大眾的狀況 按每月還款能力
來粗估算一下 什麼叫"量力而為" 供各位參考
假設一般性買房 無寬限期 3成頭期款 7成貸20年 利率2%
依據內政部房貸試算 https://pip.moi.gov.tw/V2/C/SCRC0201.aspx
在此條件下 每百萬(1M)貸款 每月需還貸5059元
一般小家庭的極限 收入的1/3還房貸
設月薪Xm ; 每月還貸 Xm * 1/3 = Xm/3
[ (Xm/3) / 5059 ] * 1M = (1M/15177) * Xm (可貸金額)
設總房價 Y
Y * 0.7 = (1M/15177) * Xm
=> Y = (10M/106239) * Xm
= 94.1274 * Xm
= 7.844 * Xy (設年薪Xy)
PS: 1.考慮到每年會有分紅、獎金可參考年薪
2.但實際考量每月還貸能力應參考月薪
3.估算出的7.844倍是小家庭極限 普遍上應3-6倍為合理(即房價所得比)
(參考:http://goo.gl/UEecmH )
依實際例子來看
根據行政院主計處統計
薪資1~9月非經常性薪資平均為49,977元 實質經常性薪資為37,368元
為近8年同期最高水準
( 來源:http://www.ettoday.net/news/20151123/601732.htm )
非經常性薪資49,977為計入分紅、獎金 以年薪為參考
49,977 * 12 * 7.844 = 4,704,235 (可負擔房價約為470萬)
實質經常性薪資37,368為每月實質經常收入 以月薪為參考
37368 * 94.1274 = 3,517,352.68 (可負擔房價約為350萬)
懶得理解計算的 看標色文字即可
(計算有錯請提出 再來修正)
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