沒爸可靠的人都怎麼成家買房買車 - 工程師

By Elma
at 2016-02-29T10:38
at 2016-02-29T10:38
Table of Contents
※ 引述《Sana (靜止)》之銘言:
: 還好啦,租屋就租屋,台北市買房一個月貢獻的貸款也是要4~5萬,
: 租屋5年貢獻60萬,買屋5年,頭期款400萬+5x60期,先要你700萬.....
: ===
: 你就把次序改變一下就好了,
: 房子1xxx萬買不起,那2xx萬的車可以買了吧,目標改一下
: 本來買國產車,檔次就改成買Lexus,Benz,BMW,BMW 520也約200~300萬,
: 台北的房子買不起,未來在基,桃,竹(縣),苗,中,彰,雲,嘉,南,高,屏,東,花,宜這14個縣
: 一定有你買得起的房地產,不要拼透天,就公寓,中古屋吧?
: 慘一點,租嘛!你租得起的,
: 如果你覺得要結婚,買車,買房三個通拿很難,
: 那學一下高中數學,排列組合,C3取2,C3取1,可能性都有的,誰叫你C3取3的???
台灣很多人都有一個觀念 "租不如買"
1.Global property guide 2013統計台灣的房租回報率是1.57
2.簡單說就是價值800萬的房子 房貸35k 你租同樣的房子60年也要800萬
但以上是房仲話術,
你租60年是把錢攤到60年支付,等於你有2/3是可以做額外投資與改善生活品質的
講難聽一點25歲到48歲大概是人生最精華的歲月
你可以選擇每個月先存3萬存3年等到有100萬後貸款買房 然後月繳3萬5
這大概是本版大多數人可以做到的目標 年薪70+ x2的雙薪應該都不困難
但物質生活就要有所抉擇
另外一種選擇是你可以吃好的住好的
付更高的租金享受更好的生活品質,把多餘的錢就算存/投資一半然後一半拿去享受
這兩種選擇最大的差異就是你百年後可以留一棟房子給你小孩
又或是兩手一攤等他大學畢業就叫他自己獨立
很多人喜歡凹說他繳房貸一樣年年出國
我還是想講,同樣家庭收入150左右 你要繳房貸跟不用繳房貸
一年差了將近30萬可以運用
你可以把你的愛車從神A升級成oooo A4(20年計 一年多支出9萬)
你可以把你的旅行目的從日韓偶爾升級成歐美(每3年多支出15萬)
你可以把你的居住品質從金山街新手村(8000/m)往上搬(12k/m) 每年多支出5萬
你可以把每天伙食費從200元/每日升級成300每日(每年多支出7萬)
跟老婆去吃王品集團或同等級的小確幸數量多20~40次(每年多支出4萬)
年薪的1/3拿來支付生活開銷 跟年薪的2/3拿來支付生活開銷絕對是完全不同等級
只是看你怎樣選擇....
我認為沒有好或是不好
--
: 還好啦,租屋就租屋,台北市買房一個月貢獻的貸款也是要4~5萬,
: 租屋5年貢獻60萬,買屋5年,頭期款400萬+5x60期,先要你700萬.....
: ===
: 你就把次序改變一下就好了,
: 房子1xxx萬買不起,那2xx萬的車可以買了吧,目標改一下
: 本來買國產車,檔次就改成買Lexus,Benz,BMW,BMW 520也約200~300萬,
: 台北的房子買不起,未來在基,桃,竹(縣),苗,中,彰,雲,嘉,南,高,屏,東,花,宜這14個縣
: 一定有你買得起的房地產,不要拼透天,就公寓,中古屋吧?
: 慘一點,租嘛!你租得起的,
: 如果你覺得要結婚,買車,買房三個通拿很難,
: 那學一下高中數學,排列組合,C3取2,C3取1,可能性都有的,誰叫你C3取3的???
台灣很多人都有一個觀念 "租不如買"
1.Global property guide 2013統計台灣的房租回報率是1.57
2.簡單說就是價值800萬的房子 房貸35k 你租同樣的房子60年也要800萬
但以上是房仲話術,
你租60年是把錢攤到60年支付,等於你有2/3是可以做額外投資與改善生活品質的
講難聽一點25歲到48歲大概是人生最精華的歲月
你可以選擇每個月先存3萬存3年等到有100萬後貸款買房 然後月繳3萬5
這大概是本版大多數人可以做到的目標 年薪70+ x2的雙薪應該都不困難
但物質生活就要有所抉擇
另外一種選擇是你可以吃好的住好的
付更高的租金享受更好的生活品質,把多餘的錢就算存/投資一半然後一半拿去享受
這兩種選擇最大的差異就是你百年後可以留一棟房子給你小孩
又或是兩手一攤等他大學畢業就叫他自己獨立
很多人喜歡凹說他繳房貸一樣年年出國
我還是想講,同樣家庭收入150左右 你要繳房貸跟不用繳房貸
一年差了將近30萬可以運用
你可以把你的愛車從神A升級成oooo A4(20年計 一年多支出9萬)
你可以把你的旅行目的從日韓偶爾升級成歐美(每3年多支出15萬)
你可以把你的居住品質從金山街新手村(8000/m)往上搬(12k/m) 每年多支出5萬
你可以把每天伙食費從200元/每日升級成300每日(每年多支出7萬)
跟老婆去吃王品集團或同等級的小確幸數量多20~40次(每年多支出4萬)
年薪的1/3拿來支付生活開銷 跟年薪的2/3拿來支付生活開銷絕對是完全不同等級
只是看你怎樣選擇....
我認為沒有好或是不好
--
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