[請益] 請益購屋方式,使資產最大化
板上前輩好:
小弟目前37歲,年收穩定約400萬,股息每年可領約30~50萬,目前現金存款800萬。
已購置一預售屋3500萬,預計2026交屋,目前每年需繳交工程款約300萬左右,交屋後希
望能貸款到八成。
今年希望能成家,另一半年收約在80~100萬,未來想生個1~2位小孩,打聽下來養小孩費
用會很高,一年生活費估計需要100~150萬。
請益如果再購置一屋於另一半名下,標的約2500~3300萬。兩間貸款都八成,是否會負擔
過大,會沒生活品質呢?
或該如何操作,讓自己資產能有效增加,並維持一定生活品質呢
謝謝大家
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