全球通膨、政府打房,首購族怎麼辦?大家 - 理財
By Ina
at 2021-11-11T08:53
at 2021-11-11T08:53
Table of Contents
※ 引述《YoooooM (YummyMap)》之銘言:
: 我自己是副修是財經相關的,通膨、房地產置產是我和同學或課堂上老師經常談論到的話題,
: 不過也有同學的理財觀是不買房只租房的那種。
: 我自己還是覺得,要累績財富,無論如何一定要先有第一間房子,才有累積財富的可能。
: 當然現在買房不比以前,不好入手之外,各種外在因素限制讓首購族困難重重...
: 關於買房、首購大家的觀念是什麼?會考慮那些因素?
: 想要和大家交流一下想法
: -----
: Sent from JPTT on my iPhone
https://youtu.be/a5kEFaNstVI
回Y大,我想Joeman這一段影片應該可以替你解答,
要累績財富,無論如何一定要先有第一間房子,才有累積財富的可能
個人是懷疑的,
頭期款有沒有親朋好友的支援,牽涉每一個人的生長背景,
不然200~700萬一次繳出去,瞬間存款就打成零頭,
每個月的貸款又事關你的理財規劃,對於工作的想法,是要一輩子當打工仔,還是?
20年~40年房貸,一個月1~5萬月月繳,
這二個因素應該就是大家考慮的:頭期款,貸款
會不會排擠到其他的投資項目,生活品質?肯定會,ex:股票不能再買,或是得少買?
如果會的話,願意犧牲多少?買一手新汽車,變成買二手汽車,機車?或是都不買?
最後,就是情感因素,你的男友女友,丈夫妻子孩子,父母,丈人,婆家夫家等等,
外加你的生涯規畫,有出國進修拿學位,打工,就職等等
Check it out.
--
Even The Shallow Has Its Depth.
Flickr!
http://www.flickr.com/photos/sanamaple/sets/
--
: 我自己是副修是財經相關的,通膨、房地產置產是我和同學或課堂上老師經常談論到的話題,
: 不過也有同學的理財觀是不買房只租房的那種。
: 我自己還是覺得,要累績財富,無論如何一定要先有第一間房子,才有累積財富的可能。
: 當然現在買房不比以前,不好入手之外,各種外在因素限制讓首購族困難重重...
: 關於買房、首購大家的觀念是什麼?會考慮那些因素?
: 想要和大家交流一下想法
: -----
: Sent from JPTT on my iPhone
https://youtu.be/a5kEFaNstVI
回Y大,我想Joeman這一段影片應該可以替你解答,
要累績財富,無論如何一定要先有第一間房子,才有累積財富的可能
個人是懷疑的,
頭期款有沒有親朋好友的支援,牽涉每一個人的生長背景,
不然200~700萬一次繳出去,瞬間存款就打成零頭,
每個月的貸款又事關你的理財規劃,對於工作的想法,是要一輩子當打工仔,還是?
20年~40年房貸,一個月1~5萬月月繳,
這二個因素應該就是大家考慮的:頭期款,貸款
會不會排擠到其他的投資項目,生活品質?肯定會,ex:股票不能再買,或是得少買?
如果會的話,願意犧牲多少?買一手新汽車,變成買二手汽車,機車?或是都不買?
最後,就是情感因素,你的男友女友,丈夫妻子孩子,父母,丈人,婆家夫家等等,
外加你的生涯規畫,有出國進修拿學位,打工,就職等等
Check it out.
--
Even The Shallow Has Its Depth.
Flickr!
http://www.flickr.com/photos/sanamaple/sets/
--
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