[請益] 求問個人財務負擔能力 及房貸是否能過件
首購看上總價約2000萬的預售屋,建商有實績,預計2026年交屋,大概須貸1600萬
基地在土城區,距離捷運站走路5分鐘
個人條件如下:
30歲單身,上市前50大企業小小主管,北市工作
月薪近7萬實拿6萬,加三節跟年終可達120,績效好可達140
公司獲利穩定但非高成長的科技業,加薪緩慢,亦不宜期待會升遷
稍作計算可知,若只能貸八成、30年,我每個月的房貸金額6萬多,會超過實拿薪水
若可貸40年,房貸金額也遠超過月收入的一半(5萬左右)
簽約在即,我的自備款在交屋前的所有金額都不成問題,唯一擔心就是房貸條件
要是不夠理想,我未來的財務可能會相當吃緊,或擔心直接不過件
還請板上大大們協助評估,銀行對這種案例是否會有疑慮
另外就是,這樣的財務結構是否過緊,而建議我買別的房子或等之後再買,甚至不買?
(家裡有房子但在台中市區)
感謝大家
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※ 編輯: Nichijou (223.136.239.48 臺灣), 06/18/2024 13:21:47
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