美國10萬vs 台北 300萬 - 工程師

By Emily
at 2020-10-11T16:28
at 2020-10-11T16:28
Table of Contents
※ 引述《waitrop (嘴砲無雙)》之銘言:
: 年薪臺幣300萬在台北,
: 買不起蛋黃區的房子,只能買蛋白區的房子,
: 然後長時間通勤,
一堆推文都這樣說,我不太明白
以大安中正中山松山蛋黃區來說
5~10 年的新古屋,權狀不含車位 40 坪正三房 + 一車位
單價 80~100 萬,總價大概在 3000~5000 萬之間
以年收 300 萬的資歷來說,跟銀行談 30 年房貸一點問題都沒有
付完頭款每月攤還大概落在 7~12 萬之間
買不起是指買不起 one park 還是買不起琢白?
就算一定要捷運全新三房+2平車
3000~5000 的預算新北市真的無敵橫著走
愛買哪邊買哪邊
公司在西區買板橋,在東區買港湖,南區買新店,北區更是隨便買了
基本上通勤時間一定都可以壓在 30 分鐘以內
這種預算還買到長時間通勤
我個人覺得是完全沒有邏輯,不會分析評估的人!
跟收入沒關係了!
補充說明
1:其實大多數房產在台灣是非常保值的資產
散戶買房的長期勝率遠高過於其他資產,
這個大家觀察一下自己身邊的親朋好友就知道了
絕對沒有什麼繳不出貸款慘遭法拍這件事
因為法拍價格都已經超過市價了,一點都不慘好嗎~
我常常想房子給仲介賣還不如去法拍!
2:當個人收入超過 3M 以後,除非有特別興趣嗜好ex:買名牌
否則食衣行所占的比例並不會隨著收入等比例提升
例如我現在還是 net 整身,等 net 換季紅標大採購
一年三萬以內搞定
出門就 uber 坐到底,一個月大概也就一兩萬
吃我花比較多,非假日幾乎天天吃餐廳,一個月大概十萬封頂
但我想正常人是不會像我這樣吃的!
我的收入不斷提升,但這樣的消費型態結構已經不變很久了
3:我要說的是年收 3M 是買的起蛋黃區(看條件決定捏不捏)
買到蛋白基本上爽爽住而且通勤時間絕對很短
年收 3M 還買不到理想房子?
買台手機都知道要多方比價各種CP值各種比
怎麼買房就只知道那幾間指標案?
4:我比較想知道推文那麼多人覺得 3M 買不起房
有沒有哪一個真的年收 3M 來分享一下?
還是一堆連 1M 都沒有在那邊想像 3M 的生活?
--
: 年薪臺幣300萬在台北,
: 買不起蛋黃區的房子,只能買蛋白區的房子,
: 然後長時間通勤,
一堆推文都這樣說,我不太明白
以大安中正中山松山蛋黃區來說
5~10 年的新古屋,權狀不含車位 40 坪正三房 + 一車位
單價 80~100 萬,總價大概在 3000~5000 萬之間
以年收 300 萬的資歷來說,跟銀行談 30 年房貸一點問題都沒有
付完頭款每月攤還大概落在 7~12 萬之間
買不起是指買不起 one park 還是買不起琢白?
就算一定要捷運全新三房+2平車
3000~5000 的預算新北市真的無敵橫著走
愛買哪邊買哪邊
公司在西區買板橋,在東區買港湖,南區買新店,北區更是隨便買了
基本上通勤時間一定都可以壓在 30 分鐘以內
這種預算還買到長時間通勤
我個人覺得是完全沒有邏輯,不會分析評估的人!
跟收入沒關係了!
補充說明
1:其實大多數房產在台灣是非常保值的資產
散戶買房的長期勝率遠高過於其他資產,
這個大家觀察一下自己身邊的親朋好友就知道了
絕對沒有什麼繳不出貸款慘遭法拍這件事
因為法拍價格都已經超過市價了,一點都不慘好嗎~
我常常想房子給仲介賣還不如去法拍!
2:當個人收入超過 3M 以後,除非有特別興趣嗜好ex:買名牌
否則食衣行所占的比例並不會隨著收入等比例提升
例如我現在還是 net 整身,等 net 換季紅標大採購
一年三萬以內搞定
出門就 uber 坐到底,一個月大概也就一兩萬
吃我花比較多,非假日幾乎天天吃餐廳,一個月大概十萬封頂
但我想正常人是不會像我這樣吃的!
我的收入不斷提升,但這樣的消費型態結構已經不變很久了
3:我要說的是年收 3M 是買的起蛋黃區(看條件決定捏不捏)
買到蛋白基本上爽爽住而且通勤時間絕對很短
年收 3M 還買不到理想房子?
買台手機都知道要多方比價各種CP值各種比
怎麼買房就只知道那幾間指標案?
4:我比較想知道推文那麼多人覺得 3M 買不起房
有沒有哪一個真的年收 3M 來分享一下?
還是一堆連 1M 都沒有在那邊想像 3M 的生活?
--
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