Re: [閒聊] 年金改革後會怎樣
※ 引述《tx50xyz (想要好的房貸利率)》之銘言:
: 我想年金改革一定會執行的,但執行後,例如每月5萬收入,第一年,就變2.5萬,到七年
: 就0元,我想因該有很多人要賣房子了。大家有何看法?
公務員退休收入來源分成 月退俸 跟 18%優存
就算18% 優存變成0%
收入還是有月退俸的部分 (所得替代率會逐步降低至六成)
簡單說大概現在所有公務員退休金超過六萬的
六年後幾乎都會打個六至七折左右
很多人瞧不起公務員 以為他們沒錢炒房 大錯特錯
我認識的公務員幾乎每個都有房子 而且兩三戶以上
更何況當年房價仍低的時候
公務員收入低但咬緊牙根買房的大有人在
尤其是公務員價值觀與文化普遍存在著穩定過日子的那種偏安觀念
跟當年做生意的比較起來更能守財
民國七零年代 誰有錢會整天想投入房地產?
股票 做生意賺得都來不及了 一筆錢收下來繼續投資 繼續擴廠 繼續展店
一堆早期成功的生意人到最後手上連個房產也沒有
反觀公務員
就算當初一個月領四五萬
夫妻貸款買個當年總價一千萬以內的台北市台北縣房子也不是難事
只要穩穩當當付房貸
這些人到現在每個都嘗到了房價上漲的甜美果實
我認為年金改革一定會對房地產產生一定程度的衝擊 但不會太大
畢竟大多數這些退休人員房貸也繳得差不多了
但如果這幾年還有再進場購入額外房產的退休族
少掉那三四萬剛好就是 新購入房子貸款部分
再來吃到老本 應該公務員手上房子會抱不住
確實有可能會對市場早成一定程度的賣壓
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