Re: [請益]這樣的薪水買房會太緊嗎
看板home-sale (房屋交易)作者junior020486 (軟蛋頭)時間6月前 (2024/02/13 10:32)推噓33(38推 5噓 51→)留言94則, 32人參與討論串14/14 (看更多)
※ 引述《Miwaitte (クレーマーハナコ)》之銘言:
: 小弟分享一下自己懶趴捏爆的的情況,
: 已買板橋預售2900萬,預計26年初交屋,
: 無後援、另一半薪資不考慮(希望自己繳頭期+房貸),目前沒有生小孩的打算,
: 年薪約130萬,扣掉20%頭期款預計交屋時會有1000萬現金,
: 以貸40年每月7萬來看,扣掉生活花費只能說何止打平,甚至偶爾還會赤字,
: 目前是打算慢慢把現金丟進ETF,未來領息盡量嘎房貸,
: 最差最差就是住10年之後賣掉換小換遠,至少有吃到漲幅...
你看,2900萬預售
這個就是自住的大忌
1.總價太高
2.非要買最貴最新的
3.交屋後肯定還得花大錢裝潢
4.以後還想賣掉換遠,虧掉交易成本跟那些裝潢
其實一開始就不要買2900萬的預售
最後,回答一下租屋股神
整天講萬一房市崩,股市漲這種情況
人家前幾年的投資賺爆,都想cash out來購屋了
還是買最貴的預售
怎麼可能股市漲房價跌,洗洗睡啦
不過你130萬,能夠住小&遠
幹嘛不現在就去住小&遠
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