房市 v.s. 薪水 - 薪水

By Belly
at 2022-01-20T13:49
at 2022-01-20T13:49
Table of Contents
※ 引述《BangGod5566 (忠孝東路走九遍)》之銘言:
: 各位在新竹的大大們應該感受到回不去的房價~政府建商房仲聯合炒作的泡沫變成事實,
: 但是誰叫竹科的人買得起
: 如果今天有得選擇
: 新北房子2200萬(有捷運)薪水250萬
: 竹北房子2500萬薪水300+萬
: 房子條件工作環境壓力都差不多,
: 各位會選哪個?
: 小弟心裡的平衡點大概在這裡,新竹這個塞車機能差的地方如果沒有這幾年高薪支持基本
: 上沒有優勢,如果保持5年這個營運水準,只能說新竹多賺一點以後換會鄉下養老比較輕
: 鬆
建議抱持三個觀念,讓你自己可以好好待在竹科工作
1. 不要一間房住一輩子
2. 房子可以買,但不要買下來
3. 莫當最後一隻老鼠
基本上就算你是買全新的房子,一間房子要住一輩子對大部分的人是很困難的
所以你也不要用要住一輩子的想法來選地點,甚至讓工作去遷就
在哪裡工作就在哪裡買房,比較貴也沒關係,反正你遲早會賣掉的
房子無論是2200萬還是2500萬,只要你在職時還能負擔,並維持部分無收入時預備金
就大膽放心買下去吧。但記住,是可以買,但不要買下來(將貸款付完)
既然是上班族,台灣的稅制買房子可抵扣的稅額比租屋來多
以買代租、以銀行為房東在有一定經濟實力底下比租屋還好
不用糾結你房貸付不付的完、竹北值不值2500萬,反正你遲早會賣掉的
最後,因為房子無論2200萬、還是2500萬,其實都沒有買下來的價值
這裡講的買下來,是指犧牲你人生中擁有的2500萬+利息,來換一個水泥空間,
而在你進棺材前不把它變現來花
這一個觀念應該最重要:請在房子價值還不低於你入手價格前(最好還有增值)
且工作錢存夠了,把房子賣掉、找一個沒有太過炒作的城市、國家
花個500-1000萬弄個真正想住、能安身立命的家
剩下的幾千萬,可以好好花、好好享福
不用謝
--
: 各位在新竹的大大們應該感受到回不去的房價~政府建商房仲聯合炒作的泡沫變成事實,
: 但是誰叫竹科的人買得起
: 如果今天有得選擇
: 新北房子2200萬(有捷運)薪水250萬
: 竹北房子2500萬薪水300+萬
: 房子條件工作環境壓力都差不多,
: 各位會選哪個?
: 小弟心裡的平衡點大概在這裡,新竹這個塞車機能差的地方如果沒有這幾年高薪支持基本
: 上沒有優勢,如果保持5年這個營運水準,只能說新竹多賺一點以後換會鄉下養老比較輕
: 鬆
建議抱持三個觀念,讓你自己可以好好待在竹科工作
1. 不要一間房住一輩子
2. 房子可以買,但不要買下來
3. 莫當最後一隻老鼠
基本上就算你是買全新的房子,一間房子要住一輩子對大部分的人是很困難的
所以你也不要用要住一輩子的想法來選地點,甚至讓工作去遷就
在哪裡工作就在哪裡買房,比較貴也沒關係,反正你遲早會賣掉的
房子無論是2200萬還是2500萬,只要你在職時還能負擔,並維持部分無收入時預備金
就大膽放心買下去吧。但記住,是可以買,但不要買下來(將貸款付完)
既然是上班族,台灣的稅制買房子可抵扣的稅額比租屋來多
以買代租、以銀行為房東在有一定經濟實力底下比租屋還好
不用糾結你房貸付不付的完、竹北值不值2500萬,反正你遲早會賣掉的
最後,因為房子無論2200萬、還是2500萬,其實都沒有買下來的價值
這裡講的買下來,是指犧牲你人生中擁有的2500萬+利息,來換一個水泥空間,
而在你進棺材前不把它變現來花
這一個觀念應該最重要:請在房子價值還不低於你入手價格前(最好還有增值)
且工作錢存夠了,把房子賣掉、找一個沒有太過炒作的城市、國家
花個500-1000萬弄個真正想住、能安身立命的家
剩下的幾千萬,可以好好花、好好享福
不用謝
--
Tags:
薪水
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