[請益] 想跟大大們閒聊問月薪多少該買多少
最近房版好多月收入跟房貸比的討論,
很意外一向看多的房版竟然對總價的選擇都很保守,
尤其這年代竟然還很多人堅持30%月收房貸比是底線,
但小弟認為不是每個薪水範圍的人都會選擇30%,
多的是40%50%甚至接近60%的人在扛房貸。
想問:
在不考慮頭期款(20~30%)和其他支出下(車貸孝親育兒等...)
家庭穩定月收入為以下兩個數字(只算底薪不含浮動獎金及年終),
1. 10W
2. 20W
大大你們會覺得買多少是合理且冷靜的選擇?
底下很多討論都讓我獲益良多,也看到有人占70%也過得好好的
因為太多文章底下討論都是30%當底線,月薪10w買1500W會屎,月薪20W買3000W會屎
這題本來就不會只有一個答案,感謝各位肯花時間分享一些看法。
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12/11 10:51,
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以上大大說的都挺客觀的;那20W單月底薪,買到3000(約50%月收房貸比),難道很危險嗎?
※ 編輯: guesswhen (210.240.242.220 臺灣), 12/11/2023 11:02:05
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所以我挑了10萬和20萬兩個比較常見的年收來討論 XD
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有說不考慮其他月花費哦
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※ 編輯: guesswhen (210.240.242.220 臺灣), 12/12/2023 09:28:33