Re: [閒聊] 每月的房貸算資產還是支出?
※ 引述《jennyshe (jenny)》之銘言:
: 會計帳上房子土地是固定資產,
: 房貸是長期負債,
: 每月支出的房貸是長期負債的減項,
: 房地產是資產,所以才能向銀行申請抵押貸款。
繼承的房子=>資產
存錢付全額的房子=>資產
付房貸的房子=>負債
很難懂嗎?
有人說 付完房貸房子就是資產
沒錯!
沒付完前房子是銀行的 不是資產
且你還付了一堆利息(明顯就是負債--賠錢)
不是難懂 只是因為...
這是多多(房仲)為了勸買 所想出的話術
ex:
話術一 : 房東不租給老人
話術二: 沒房子沒辦法結婚
話術三:買房子是資產
...
...
...
底下開放新話術
(外勞買房滿有梗的)
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