32歲男理財規劃(該背房貸嗎?) - 理財
By Daniel
at 2022-06-10T19:32
at 2022-06-10T19:32
Table of Contents
如提
我目前狀況:單身
公務人員
薪水:實領約5.3萬左右
(若沒有額外加薪 每年穩定+1000元)
存款:200萬
打算買房
買房金額約830萬
貸款約:660萬
每月還款 : 寬限期8~9000元 寬限期後2.7萬
每個月生活費開銷(工作5年計算):每月1.5~1.8萬
經評估狀態如下
5.3萬(收入)-2.7萬(支出 房貸)-1.5萬(生活費)=結餘約1萬(當緊急預備金 投入股票)
請問
Q1.單身一人背房貸 房貸占比高達50%是否過高?
(本來想先觀望 但這幾年房價漲很兇有被嚇到)
Q2.是否該申請寬限期 ?
聽說正常3年 最長5年 希望這3~5年能先存1台國產車的錢
(或緊急預備現今以防萬一)
Q3.每個月結餘正常來說有1萬 應該投入股市 還是當緊急預備金比較安全?
Q4.單身先不要買房 先投入股票etf 台股0050 美股vti vt qqq
--
我目前狀況:單身
公務人員
薪水:實領約5.3萬左右
(若沒有額外加薪 每年穩定+1000元)
存款:200萬
打算買房
買房金額約830萬
貸款約:660萬
每月還款 : 寬限期8~9000元 寬限期後2.7萬
每個月生活費開銷(工作5年計算):每月1.5~1.8萬
經評估狀態如下
5.3萬(收入)-2.7萬(支出 房貸)-1.5萬(生活費)=結餘約1萬(當緊急預備金 投入股票)
請問
Q1.單身一人背房貸 房貸占比高達50%是否過高?
(本來想先觀望 但這幾年房價漲很兇有被嚇到)
Q2.是否該申請寬限期 ?
聽說正常3年 最長5年 希望這3~5年能先存1台國產車的錢
(或緊急預備現今以防萬一)
Q3.每個月結餘正常來說有1萬 應該投入股市 還是當緊急預備金比較安全?
Q4.單身先不要買房 先投入股票etf 台股0050 美股vti vt qqq
--
All Comments
By Anthony
at 2022-06-13T12:14
at 2022-06-13T12:14
By Jake
at 2022-06-16T04:57
at 2022-06-16T04:57
By Dorothy
at 2022-06-18T21:40
at 2022-06-18T21:40
By Adele
at 2022-06-21T14:23
at 2022-06-21T14:23
By Edwina
at 2022-06-24T07:06
at 2022-06-24T07:06
By Joseph
at 2022-06-26T23:49
at 2022-06-26T23:49
By Quintina
at 2022-06-29T16:31
at 2022-06-29T16:31
By Olga
at 2022-07-02T09:14
at 2022-07-02T09:14
By Hedy
at 2022-07-05T01:57
at 2022-07-05T01:57
By Yuri
at 2022-07-07T18:40
at 2022-07-07T18:40
By Zora
at 2022-07-10T11:23
at 2022-07-10T11:23
By Leila
at 2022-07-13T04:06
at 2022-07-13T04:06
By Mary
at 2022-07-15T20:48
at 2022-07-15T20:48
By Megan
at 2022-07-18T13:31
at 2022-07-18T13:31
By Ursula
at 2022-07-21T06:14
at 2022-07-21T06:14
By Lydia
at 2022-07-19T05:58
at 2022-07-19T05:58
By Sarah
at 2022-07-21T22:41
at 2022-07-21T22:41
By Rosalind
at 2022-07-19T05:58
at 2022-07-19T05:58
By Zenobia
at 2022-07-21T22:41
at 2022-07-21T22:41
By Lucy
at 2022-07-19T05:58
at 2022-07-19T05:58
By Liam
at 2022-07-21T22:41
at 2022-07-21T22:41
By Kama
at 2022-07-19T05:58
at 2022-07-19T05:58
By Bethany
at 2022-07-21T22:41
at 2022-07-21T22:41
By Andy
at 2022-07-19T05:58
at 2022-07-19T05:58
By Dora
at 2022-07-21T22:41
at 2022-07-21T22:41
By Una
at 2022-07-19T05:58
at 2022-07-19T05:58
By Hedda
at 2022-07-21T22:41
at 2022-07-21T22:41
By Tom
at 2022-07-19T05:58
at 2022-07-19T05:58
By Aaliyah
at 2022-07-21T22:41
at 2022-07-21T22:41
By Candice
at 2022-07-19T05:58
at 2022-07-19T05:58
By Zenobia
at 2022-07-21T22:41
at 2022-07-21T22:41
By Ula
at 2022-07-19T05:58
at 2022-07-19T05:58
By Mia
at 2022-07-21T22:41
at 2022-07-21T22:41
By Candice
at 2022-07-19T05:58
at 2022-07-19T05:58
By Margaret
at 2022-07-21T22:41
at 2022-07-21T22:41
By Lydia
at 2022-07-19T05:58
at 2022-07-19T05:58
By Jacob
at 2022-07-21T22:41
at 2022-07-21T22:41
By Caitlin
at 2022-07-19T05:58
at 2022-07-19T05:58
By Una
at 2022-07-21T22:41
at 2022-07-21T22:41
By Olivia
at 2022-07-19T05:58
at 2022-07-19T05:58
By Linda
at 2022-07-21T22:41
at 2022-07-21T22:41
By Genevieve
at 2022-07-19T05:58
at 2022-07-19T05:58
By Kama
at 2022-07-21T22:41
at 2022-07-21T22:41
By Sierra Rose
at 2022-07-19T05:58
at 2022-07-19T05:58
Related Posts
台中房貸轉貸需求
By Donna
at 2022-06-10T14:31
at 2022-06-10T14:31
竹北房貸轉增貸
By Xanthe
at 2022-06-10T12:40
at 2022-06-10T12:40
個人信貸
By Annie
at 2022-06-10T08:12
at 2022-06-10T08:12
台南工程師第二間貸款
By Cara
at 2022-06-10T06:31
at 2022-06-10T06:31
Re: 26歲男理財規畫
By Gilbert
at 2022-06-10T00:38
at 2022-06-10T00:38