[請益] 槓桿會開太大嗎
各位年收5000萬大大好
因為家庭條件並不算優渥,也沒有長輩能給我相關理財觀念,只能靠著每天版上爬文,從
各位前輩的分享中學習,在此先感謝各位前輩
——正文開始——
自身條件:
今年30,年收入180-200,
目前有兩間房貸(1.兩年多前買,因在出租故月還款補貼8000左右房貸。2.上個月剛交屋
,自己住,還在青安寬限期,月還款加上管理費18000左右)每個月給家裡15000孝親費。
因為剛買了第二間手上原本投資股票的資金幾乎用光了,目前參考隔壁版以及自己做功課
後認為美債是目前相對安全的標的,想要透過信貸來做資金上的運用,約想申貸100-150
(2.3%以上不考慮),年底想要在將第一間房貸做轉增貸的操作,預計能再貸200左右出
來。
想請問各位前輩,人生第一次讓自己背這麼多債,為了讓家人過好點生活,是否槓桿開太
大,信貸評價滿兩極的,想聽聽各位前輩的建議
理財觀念較不足,請各位前輩鞭小力點
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有在穩定投資,會這樣問是因為本金拿去買房,在想信貸完做原先的運用
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※ 編輯: sd950205 (61.61.17.203 臺灣), 02/02/2024 14:43:51
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