[請益] 現金買股 質押買房
想請教板上, 如果安排底下策略做資金配置
會需要多注意哪些地方或是其他建議嗎?
策略: 現金1千萬, 先買ETF, 等找到房, 再質借出500當買房頭期
考量: 看房買房變數多, 中意的房子, 何時找到? 要備多少頭期? 都還是未知數
=> 想先讓部位先進股市, 找到房再質壓出頭期
=> 避免買房空窗期, 身上留著現金隨著時間貶值
能力: 年薪約能摸到300, 2年內突然失業, 機率頗低
想像可能發展情境:
1. 簽約前, 股市腰斬 => 淨值剩一半, 也不用質押了, 當夢一場, 捏著繼續工作
2. 簽約後, 股市下跌 20% => 認賠換回現金800, 先交屋避免違約(最糟情形)
3. 交屋完, 股市下跌 30% => 質押部位可能斷頭, 信貸補維持率, 薪水應該夠付
4. 交屋完, 股市平盤 => 薪水開始邊還質押部位 & 還房貸來降槓, 活用頭期款
--
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06/15 22:45,
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謝謝幫忙指出除了 all in 外, 還有 50%股票 50%現金的選項
預期能再將問題進一步限縮成
50%現金的部份, 能怎麼在找房期間充分利用到
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06/15 22:52,
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06/15 22:52, 5F
typo 直接歪樓, 已把 EFT 修正為 ETF
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06/15 22:58,
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06/15 22:58,
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謝謝 billy/prostar/stocktonty 信心加持
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目前買房是自住性質沒錯
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06/15 23:14,
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06/15 23:14, 17F
交屋後, 如果下跌30%維持率接近斷頭, 應該就會直接信貸回補
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06/15 23:28,
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06/15 23:36,
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爬文質押似乎能續約到18個月 借新還舊
不過也還沒實際操作過, 有機會來找券商問下細節
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06/15 23:39,
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認知跟你一樣, 股票質押似乎不限用途?
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06/15 23:53,
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噓
06/16 00:40,
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06/16 00:47, 40F
認知相同(原本不能用 還以為是6月信用管制追加的新政策
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06/16 00:57,
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謝謝提供實例
自住房子想找到中意的, 時間成本都是以月再跳 (可能自己房緣還沒對到
還是會想像你建議的, 找地方增加資金利用率, 避免空著現金在那
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GG光上半年快double, 超飆
※ 編輯: spirit (219.100.37.246 日本), 06/16/2024 03:07:26
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