靠月薪46K「4年存110萬」 26歲買房嗨: - 年終
By Agnes
at 2021-08-23T01:28
at 2021-08-23T01:28
Table of Contents
※ [本文轉錄自 Gossiping 看板 #1X8TevvL ]
作者: zxc17893 (八千代代木村拓哉) 看板: Gossiping
標題: [新聞] 靠月薪46K「4年存110萬」 26歲買房嗨:
時間: Sun Aug 22 13:01:41 2021
1.媒體來源:
Ettoday
2.記者署名:
記者施怡妏/綜合報導
3.完整新聞標題:
靠月薪46K「4年存110萬」 26歲買房嗨:比租屋省!超勵志故事曝
4.完整新聞內文:
https://imgur.com/kgJW2Yc.jpg
▲原PO工作4年就買下台中房。圖為示意圖。(圖/記者張菱育攝)
一名26歲男網友分享存錢買房的勵志故事,22歲畢業後在台北做月薪46K的工作,並投入股市,4年下來存了110萬元,工作第三年開始研究房子,考量需求後入手一間545萬元,位於台中的3房中古屋,「買房比租房多存了5000至10000元」,鼓勵大家,用一般人能夠賺到的薪水,也買得起房子。
原PO在Dcard上發文,職業是公教人員,22歲畢業後就在台北工作,月薪46K,年薪含年終大概67萬,每個月扣掉固定出,會存15K至20K,同時也投入股市,90%的資金買兆豐金作為儲蓄,10%做短期波段當娛樂,平常正常社交聚會,每年出國一次,四年下來也存了110萬元。
他坦言,不喜歡花錢買昂貴的服飾,也不會常常出國玩樂,「偏好把出國的錢存下來,之後多買一個好家電」。工作第三年他開始研究房子,雖然雙北資源多,但是房價過高,如果沒有錢,再多的資源也享受不到,也不想花一大筆錢買房,還要花30分鐘通勤,因此考慮到台中買房。
https://imgur.com/yg5oUgU.jpg
▲原PO認為住台中超方便,就算要去台北,搭高鐵也只要一小時。(圖/記者李毓康攝)
去年10月他到台中工作,月薪56K,年薪含年終有80萬,花了半年的時間看房,最後買下某大樓中高樓層的3房中古屋,以545萬元成交,用存款100萬元加上信貸100萬元當作頭期款。
他提到,因為房貸有5年的寬限期,這5年每月只要繳利息4千多元,並打算在寬限期後賣掉房子,信貸扣掉未來能拿回的本金,只算利息1300元,2者相加不到6千元,比租屋時期多省下5千至1萬元。
對於現在的生活他很滿意,想去台北找朋友聚會,搭高鐵只要1小時,想去南部吃美食也只要1小時,「有屬於自己的空間,還能存更多的錢」,也打算用5年的時間,再存下一筆錢,到時候賣掉現在的房子,再買一戶3房新成屋。最後,他鼓勵大家,「身為一個普通家庭出身的普通人,沒有富爸爸,靠著一般人能夠賺到的薪水,一樣可以買得起房子,我相信每個人都可以」。
https://imgur.com/jOBiFSB.jpg
▲原PO鼓勵大家,就算是領一般人就能賺到的薪水,也可以成功買房。(圖/記者張一中攝)
貼文一出,引起熱烈回應,「用時間換空間,不錯啊,恭喜」、「台北年輕人完全碰不起,其實可以考慮往其他縣市去買」、「來台中就對了」、「一開始也以為是買台北,但原PO想法很正確,值得推」、「46K敢買,勇氣可嘉」、「年薪跟你差不多,但我就是存不了那麼多,都進到我的肚子裡啦」。
不過,不少網友提出,過了寬限期第六年之後,房貸+信貸壓力會很大。他則回應,「第六年開始房貸本金加利息是12000,信貸本金加利息11000,23K對我來說可以負擔,占薪水4成,超過五年也沒問題,到時候薪水也可能更高,理想還是寬限期滿就賣出」。
5.完整新聞連結 (或短網址):
https://reurl.cc/xG5q1z
6.備註:
本肥也想買間房o.''.o
※ 一個人三天只能張貼一則新聞,被刪或自刪也算額度內,超貼者水桶,請注意
※ 備註請勿張貼三日內新聞(包含連結、標題等)
--
https://imgur.com/z4wtZYq.jpg
https://imgur.com/DuoUJz2.jpg
https://imgur.com/Y89PFw8.jpg
https://imgur.com/B7wwB6w.jpg
https://imgur.com/mg0OS0R.jpg
https://imgur.com/QXIEZSc.jpg
--
作者: zxc17893 (八千代代木村拓哉) 看板: Gossiping
標題: [新聞] 靠月薪46K「4年存110萬」 26歲買房嗨:
時間: Sun Aug 22 13:01:41 2021
1.媒體來源:
Ettoday
2.記者署名:
記者施怡妏/綜合報導
3.完整新聞標題:
靠月薪46K「4年存110萬」 26歲買房嗨:比租屋省!超勵志故事曝
4.完整新聞內文:
https://imgur.com/kgJW2Yc.jpg
▲原PO工作4年就買下台中房。圖為示意圖。(圖/記者張菱育攝)
一名26歲男網友分享存錢買房的勵志故事,22歲畢業後在台北做月薪46K的工作,並投入股市,4年下來存了110萬元,工作第三年開始研究房子,考量需求後入手一間545萬元,位於台中的3房中古屋,「買房比租房多存了5000至10000元」,鼓勵大家,用一般人能夠賺到的薪水,也買得起房子。
原PO在Dcard上發文,職業是公教人員,22歲畢業後就在台北工作,月薪46K,年薪含年終大概67萬,每個月扣掉固定出,會存15K至20K,同時也投入股市,90%的資金買兆豐金作為儲蓄,10%做短期波段當娛樂,平常正常社交聚會,每年出國一次,四年下來也存了110萬元。
他坦言,不喜歡花錢買昂貴的服飾,也不會常常出國玩樂,「偏好把出國的錢存下來,之後多買一個好家電」。工作第三年他開始研究房子,雖然雙北資源多,但是房價過高,如果沒有錢,再多的資源也享受不到,也不想花一大筆錢買房,還要花30分鐘通勤,因此考慮到台中買房。
https://imgur.com/yg5oUgU.jpg
▲原PO認為住台中超方便,就算要去台北,搭高鐵也只要一小時。(圖/記者李毓康攝)
去年10月他到台中工作,月薪56K,年薪含年終有80萬,花了半年的時間看房,最後買下某大樓中高樓層的3房中古屋,以545萬元成交,用存款100萬元加上信貸100萬元當作頭期款。
他提到,因為房貸有5年的寬限期,這5年每月只要繳利息4千多元,並打算在寬限期後賣掉房子,信貸扣掉未來能拿回的本金,只算利息1300元,2者相加不到6千元,比租屋時期多省下5千至1萬元。
對於現在的生活他很滿意,想去台北找朋友聚會,搭高鐵只要1小時,想去南部吃美食也只要1小時,「有屬於自己的空間,還能存更多的錢」,也打算用5年的時間,再存下一筆錢,到時候賣掉現在的房子,再買一戶3房新成屋。最後,他鼓勵大家,「身為一個普通家庭出身的普通人,沒有富爸爸,靠著一般人能夠賺到的薪水,一樣可以買得起房子,我相信每個人都可以」。
https://imgur.com/jOBiFSB.jpg
▲原PO鼓勵大家,就算是領一般人就能賺到的薪水,也可以成功買房。(圖/記者張一中攝)
貼文一出,引起熱烈回應,「用時間換空間,不錯啊,恭喜」、「台北年輕人完全碰不起,其實可以考慮往其他縣市去買」、「來台中就對了」、「一開始也以為是買台北,但原PO想法很正確,值得推」、「46K敢買,勇氣可嘉」、「年薪跟你差不多,但我就是存不了那麼多,都進到我的肚子裡啦」。
不過,不少網友提出,過了寬限期第六年之後,房貸+信貸壓力會很大。他則回應,「第六年開始房貸本金加利息是12000,信貸本金加利息11000,23K對我來說可以負擔,占薪水4成,超過五年也沒問題,到時候薪水也可能更高,理想還是寬限期滿就賣出」。
5.完整新聞連結 (或短網址):
https://reurl.cc/xG5q1z
6.備註:
本肥也想買間房o.''.o
※ 一個人三天只能張貼一則新聞,被刪或自刪也算額度內,超貼者水桶,請注意
※ 備註請勿張貼三日內新聞(包含連結、標題等)
--
https://imgur.com/z4wtZYq.jpg
https://imgur.com/DuoUJz2.jpg
https://imgur.com/Y89PFw8.jpg
https://imgur.com/B7wwB6w.jpg
https://imgur.com/mg0OS0R.jpg
https://imgur.com/QXIEZSc.jpg
--
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