[請益] 31歲購屋條件檢討
1.背景: 男性,公職
2.收入:月薪4萬5 年薪約65~68(看考績)+年股息28萬(扣掉貸款繳息8萬)
所以年收約90萬
3.儲蓄:年股息36萬(繼續存股複利)+本薪年存約10萬
所以年儲蓄約在46萬
4.資產:
股票價值(1140萬)-股票設質抵押(310萬)
所以約有830萬 股票淨資產+20萬銀行活存
5 .期望與詢問項目:
本身購屋的期望是
因為在永和工作,所以為此中心買附近便宜的
中和新店板橋
車程不要超過20分鐘,15分鐘最好
總價1000~1200 20坪以上
但看了看
只能買新店山上(安祥路)不然安坑(安康路2段後的)
都是預售屋
其他如果要近的,要馬坪數小,要馬40~50年老屋
我是買房新手,希望給點批評指教
感謝
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 36.225.2.184 (臺灣)
※ 文章網址: https://www.ptt.cc/bbs/home-sale/M.1715475410.A.569.html
※ 編輯: p81827512 (36.225.2.184 臺灣), 05/12/2024 08:58:02
推
05/12 09:00,
1周前
, 1F
05/12 09:00, 1F
推
05/12 09:03,
1周前
, 2F
05/12 09:03, 2F
→
05/12 09:03,
1周前
, 3F
05/12 09:03, 3F
推
05/12 09:08,
1周前
, 4F
05/12 09:08, 4F
→
05/12 09:08,
1周前
, 5F
05/12 09:08, 5F
推
05/12 09:11,
1周前
, 6F
05/12 09:11, 6F
推
05/12 09:16,
1周前
, 7F
05/12 09:16, 7F
→
05/12 09:19,
1周前
, 8F
05/12 09:19, 8F
推
05/12 09:21,
1周前
, 9F
05/12 09:21, 9F
→
05/12 09:21,
1周前
, 10F
05/12 09:21, 10F
→
05/12 09:23,
1周前
, 11F
05/12 09:23, 11F
→
05/12 09:26,
1周前
, 12F
05/12 09:26, 12F
→
05/12 09:27,
1周前
, 13F
05/12 09:27, 13F
推
05/12 09:30,
1周前
, 14F
05/12 09:30, 14F
因為我不想動到太多資產去買房
可能800萬股票可以去銀行抵押400萬去當作買房的頭期之類的
剩下的房貸就用股息和薪水去消化掉
本金還是得在股市複利
※ 編輯: p81827512 (36.225.2.184 臺灣), 05/12/2024 09:33:19
→
05/12 09:31,
1周前
, 15F
05/12 09:31, 15F
→
05/12 09:31,
1周前
, 16F
05/12 09:31, 16F
已經扣掉310萬了,未實現就落在830
※ 編輯: p81827512 (36.225.2.184 臺灣), 05/12/2024 09:36:33
推
05/12 09:36,
1周前
, 17F
05/12 09:36, 17F
推
05/12 09:38,
1周前
, 18F
05/12 09:38, 18F
→
05/12 09:38,
1周前
, 19F
05/12 09:38, 19F
→
05/12 09:38,
1周前
, 20F
05/12 09:38, 20F
→
05/12 09:38,
1周前
, 21F
05/12 09:38, 21F
→
05/12 09:38,
1周前
, 22F
05/12 09:38, 22F
※ 編輯: p81827512 (36.225.2.184 臺灣), 05/12/2024 09:39:39
→
05/12 09:38,
1周前
, 23F
05/12 09:38, 23F
→
05/12 09:39,
1周前
, 24F
05/12 09:39, 24F
推
05/12 09:40,
1周前
, 25F
05/12 09:40, 25F
→
05/12 09:40,
1周前
, 26F
05/12 09:40, 26F
→
05/12 09:41,
1周前
, 27F
05/12 09:41, 27F
→
05/12 09:43,
1周前
, 28F
05/12 09:43, 28F
但我也要思考砍股票買房,30年的房貸,我薪水付不出來的,所以要折衷
推
05/12 09:44,
1周前
, 29F
05/12 09:44, 29F
推
05/12 09:45,
1周前
, 30F
05/12 09:45, 30F
※ 編輯: p81827512 (36.225.2.184 臺灣), 05/12/2024 09:46:17
→
05/12 09:45,
1周前
, 31F
05/12 09:45, 31F
推
05/12 09:45,
1周前
, 32F
05/12 09:45, 32F
推
05/12 09:45,
1周前
, 33F
05/12 09:45, 33F
→
05/12 09:45,
1周前
, 34F
05/12 09:45, 34F
還有 139 則推文
還有 7 段內文
→
05/12 14:02,
1周前
, 174F
05/12 14:02, 174F
推
05/12 14:06,
1周前
, 175F
05/12 14:06, 175F
推
05/12 14:31,
1周前
, 176F
05/12 14:31, 176F
推
05/12 14:34,
1周前
, 177F
05/12 14:34, 177F
推
05/12 14:40,
1周前
, 178F
05/12 14:40, 178F
→
05/12 14:40,
1周前
, 179F
05/12 14:40, 179F
→
05/12 14:42,
1周前
, 180F
05/12 14:42, 180F
→
05/12 14:42,
1周前
, 181F
05/12 14:42, 181F
推
05/12 15:01,
1周前
, 182F
05/12 15:01, 182F
→
05/12 15:03,
1周前
, 183F
05/12 15:03, 183F
→
05/12 15:03,
1周前
, 184F
05/12 15:03, 184F
推
05/12 15:27,
1周前
, 185F
05/12 15:27, 185F
→
05/12 15:28,
1周前
, 186F
05/12 15:28, 186F
推
05/12 15:36,
1周前
, 187F
05/12 15:36, 187F
→
05/12 15:37,
1周前
, 188F
05/12 15:37, 188F
→
05/12 15:37,
1周前
, 189F
05/12 15:37, 189F
推
05/12 15:57,
1周前
, 190F
05/12 15:57, 190F
→
05/12 15:57,
1周前
, 191F
05/12 15:57, 191F
推
05/12 16:00,
1周前
, 192F
05/12 16:00, 192F
→
05/12 16:00,
1周前
, 193F
05/12 16:00, 193F
→
05/12 16:01,
1周前
, 194F
05/12 16:01, 194F
推
05/12 16:34,
1周前
, 195F
05/12 16:34, 195F
推
05/12 17:02,
1周前
, 196F
05/12 17:02, 196F
推
05/12 18:43,
1周前
, 197F
05/12 18:43, 197F
→
05/12 18:43,
1周前
, 198F
05/12 18:43, 198F
→
05/12 18:43,
1周前
, 199F
05/12 18:43, 199F
→
05/12 18:43,
1周前
, 200F
05/12 18:43, 200F
噓
05/12 19:18,
1周前
, 201F
05/12 19:18, 201F
→
05/12 19:27,
1周前
, 202F
05/12 19:27, 202F
→
05/12 19:27,
1周前
, 203F
05/12 19:27, 203F
推
05/13 03:35,
1周前
, 204F
05/13 03:35, 204F
噓
05/13 05:24,
1周前
, 205F
05/13 05:24, 205F
推
05/13 14:19,
1周前
, 206F
05/13 14:19, 206F
推
05/13 20:40,
1周前
, 207F
05/13 20:40, 207F
→
05/13 20:40,
1周前
, 208F
05/13 20:40, 208F
→
05/13 20:42,
1周前
, 209F
05/13 20:42, 209F
推
05/13 20:49,
1周前
, 210F
05/13 20:49, 210F
推
05/13 22:55,
1周前
, 211F
05/13 22:55, 211F
推
05/14 03:11,
1周前
, 212F
05/14 03:11, 212F
→
05/14 03:11,
1周前
, 213F
05/14 03:11, 213F