Re: [請益]這樣的薪水買房會太緊嗎
借用此討論串
小弟北漂打工仔,年目前年薪約莫130-140w
扣除房租每年消費約莫50w元
目前手上有擁有台美股票+台美股基金+現金約莫1100w(純自有資金)
目前心中有兩個方案:
A.繼續租房(CP值高,想換就換,年租金約房價2%),本金加上每月結餘資產繼續投入,
一定年齡後離開雙北買間小兩房定居。
B.先買房(就是一個爽),目前鎖定1500-2000w的雙北兩房,或是桃園三房。
利用寬限期所需繳納的利息約莫等於租金的優勢,繼續累積本金。寬限期中累積的金額
,應該有機會cover5年的本利合。
假設台美資本市場未來5年繼續多頭向上的話,勝率似乎是租房贏
A(租房+持續投入資本市場)>B.(買房+持續投入資本市場)
想請教各方前輩與地方賢達們,有何建議與看法呢?感恩合十
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