賺了一輩子錢小小作業員也買不了房 - 職涯
By Tristan Cohan
at 2013-02-14T15:25
at 2013-02-14T15:25
Table of Contents
※ 引述《bz2323bz (太一)》之銘言:
: 本人28歲目錢存款15W台幣
: 一個月28K到32K的薪水
存的很少 錢花到哪裡去了?
: 打幣收入一個月3000-5000
: 一年最多444000 如果加半個月或一個月年終也才47.4萬
: 現在房子一棟隋隋便便都要500W以上
其實以你的年薪不應該看500W的房子
應該只能看300W的房子
: 3房或4房
: 假如一年賺40W扣掉吃飯錢一天100X365=36500
一天100元太少
: 一年騎車上班油錢+維修保養 估計10000
: 一年水電費估計30000
水電費3萬太多了
我跟我媽兩人 兩個月水+電費=1200元
一年也才7200元
: 一年網路費888X12=10656
網路費可以再少點 我一年也不過6000元(6M下載)
: 一年電話費1095X12=13140
可以再省
: 雜費=50000
: 學貸=50000
: 以後可能還會有小孩花費=50000
: 一年下來花費少說25萬
: 47-25=運氣好控制好的話一年可以存22萬(不算娛樂費等等)
: 500W的房子=要還23年才可以還完
你沒算到房貸利率
: 請問大家買房也是這樣子?
: 有人沒付頭期款的? 因為我只有15W
: 也有想過小額創業賣紅茶冰15W基金
首先要先討論一個前提
是否該買屋?
很多人也是沒買屋用租屋
至於租屋好不好?
以目前的情況
我認為租屋較好
因為買屋有 房貸利率 房屋稅 地價稅 房屋折舊 家具折舊 電器折舊
而目前租屋的費用相對並不高
如果你確定要買屋
通常都是夫妻兩人一起負擔才買的起
PS: 我32歲存了7桶金 也沒有打算買房子
--
: 本人28歲目錢存款15W台幣
: 一個月28K到32K的薪水
存的很少 錢花到哪裡去了?
: 打幣收入一個月3000-5000
: 一年最多444000 如果加半個月或一個月年終也才47.4萬
: 現在房子一棟隋隋便便都要500W以上
其實以你的年薪不應該看500W的房子
應該只能看300W的房子
: 3房或4房
: 假如一年賺40W扣掉吃飯錢一天100X365=36500
一天100元太少
: 一年騎車上班油錢+維修保養 估計10000
: 一年水電費估計30000
水電費3萬太多了
我跟我媽兩人 兩個月水+電費=1200元
一年也才7200元
: 一年網路費888X12=10656
網路費可以再少點 我一年也不過6000元(6M下載)
: 一年電話費1095X12=13140
可以再省
: 雜費=50000
: 學貸=50000
: 以後可能還會有小孩花費=50000
: 一年下來花費少說25萬
: 47-25=運氣好控制好的話一年可以存22萬(不算娛樂費等等)
: 500W的房子=要還23年才可以還完
你沒算到房貸利率
: 請問大家買房也是這樣子?
: 有人沒付頭期款的? 因為我只有15W
: 也有想過小額創業賣紅茶冰15W基金
首先要先討論一個前提
是否該買屋?
很多人也是沒買屋用租屋
至於租屋好不好?
以目前的情況
我認為租屋較好
因為買屋有 房貸利率 房屋稅 地價稅 房屋折舊 家具折舊 電器折舊
而目前租屋的費用相對並不高
如果你確定要買屋
通常都是夫妻兩人一起負擔才買的起
PS: 我32歲存了7桶金 也沒有打算買房子
--
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職涯
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