有房產,但無工作 - 信用卡
By Joseph
at 2014-06-28T17:51
at 2014-06-28T17:51
Table of Contents
※ 引述《vincent1234 (ABCDEFGHI)》之銘言:
: 不免要利用小弟的朋友
: 朋友說,他在北市有2間公寓無貸款,
: 離士林捷運站約600m
: 粗估市價有2000w以上
: 但無工作,僅收租過日
: 每月有現金10w收入
: 但因生活開銷,及侍奉雙親
: 所以幾乎都花光,無存款!
: 請問這樣辦卡能過嗎?
v大. 合庫是可以依照房屋和土地當財力證明
但是不太建議他辦卡.你朋友每月現金收入都花光光了.
到時再給他辦卡.一下信用膨脹太快.花到超過每月固定收入
這樣反而是壞事.建議你朋友先從存款開始.雖然已算是台北市優渥收入
但這樣的家庭開支不太適合有規劃的一生
可建議
1.每月臨存整付 強迫存錢.或是多開一存款帳戶.每月強迫存一點錢
2.等存到存款等達到60w 約六個月的緊急預備金時.多的錢可以改投股票或是
基金.有能力的外開美國證券商戶(ib等).不然就先存定存存到頭期款
再買下一間地點不錯房子.不然真的不建議先辦卡片.除非他很有克制力知道
刷卡的錢要先預留下來.
以上建議
--
: 不免要利用小弟的朋友
: 朋友說,他在北市有2間公寓無貸款,
: 離士林捷運站約600m
: 粗估市價有2000w以上
: 但無工作,僅收租過日
: 每月有現金10w收入
: 但因生活開銷,及侍奉雙親
: 所以幾乎都花光,無存款!
: 請問這樣辦卡能過嗎?
v大. 合庫是可以依照房屋和土地當財力證明
但是不太建議他辦卡.你朋友每月現金收入都花光光了.
到時再給他辦卡.一下信用膨脹太快.花到超過每月固定收入
這樣反而是壞事.建議你朋友先從存款開始.雖然已算是台北市優渥收入
但這樣的家庭開支不太適合有規劃的一生
可建議
1.每月臨存整付 強迫存錢.或是多開一存款帳戶.每月強迫存一點錢
2.等存到存款等達到60w 約六個月的緊急預備金時.多的錢可以改投股票或是
基金.有能力的外開美國證券商戶(ib等).不然就先存定存存到頭期款
再買下一間地點不錯房子.不然真的不建議先辦卡片.除非他很有克制力知道
刷卡的錢要先預留下來.
以上建議
--
Tags:
信用卡
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