全球通膨、政府打房,首購族怎麼辦?大家 - 存股

By Oscar
at 2021-11-10T20:10
at 2021-11-10T20:10
Table of Contents
其實買房和買股(現股)最大的不同是
買房會強迫有房貸的人培養理債的能力 因為每個月的房貸就是要生出來繳
房租房貸同樣是每個月必要支出 但是如果你買房房價上漲的價差是你的
租房房屋上漲的價差是房東的房客一毛都分不到
至於股票長期報酬比房屋高? 很簡單用房屋貸款貸出來買股就好了
利率現在才1.3% 升息短期內也不會到1.5% 如果會挑股的話 股利和價差早就不知道領多少
不會挑股存ETF報酬率也會遠大於房貸利率
因為有房貸強迫你訓練理債的能力 久了你也知道你每個月的支出承受度有多少
也就知道能貸多少錢出來買股票還是財務安全的狀態
舉小弟為例 買房就是首購 買的價位也不漂亮 格局也不好 而且還是舊公寓
但是只要可以住可以成家 離公司近就好了
小弟是存股(ETF)買房 之後又房貸買股
當然房價也漲了也小有收穫 股價漲了又領股利又領借券放空費也小有收穫
過了好些年 買股的資產又要增長成可以買第二間房了
希望能 存股養房 > 房貸養股 > 存股養房 > 房貸養股 …loop
這樣就可以了
--
買房會強迫有房貸的人培養理債的能力 因為每個月的房貸就是要生出來繳
房租房貸同樣是每個月必要支出 但是如果你買房房價上漲的價差是你的
租房房屋上漲的價差是房東的房客一毛都分不到
至於股票長期報酬比房屋高? 很簡單用房屋貸款貸出來買股就好了
利率現在才1.3% 升息短期內也不會到1.5% 如果會挑股的話 股利和價差早就不知道領多少
不會挑股存ETF報酬率也會遠大於房貸利率
因為有房貸強迫你訓練理債的能力 久了你也知道你每個月的支出承受度有多少
也就知道能貸多少錢出來買股票還是財務安全的狀態
舉小弟為例 買房就是首購 買的價位也不漂亮 格局也不好 而且還是舊公寓
但是只要可以住可以成家 離公司近就好了
小弟是存股(ETF)買房 之後又房貸買股
當然房價也漲了也小有收穫 股價漲了又領股利又領借券放空費也小有收穫
過了好些年 買股的資產又要增長成可以買第二間房了
希望能 存股養房 > 房貸養股 > 存股養房 > 房貸養股 …loop
這樣就可以了
--
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