年收多少可以買高級的進口休旅 - 保養
By Frederica
at 2016-06-15T15:12
at 2016-06-15T15:12
Table of Contents
認真回一下,如果是夢想,那買得起就可以買了。
以下是個人定義的買得起,參考看看。
固定月薪(不含分紅,股票,獎金):M
月固定支出(房貸,學貸,孝親,伙食,生活用品,衣服,保險,養小孩等):X
個人信貸年利率:R
7年該品牌維修保養費: Y
可買車價: P
P=84*(M-X)/(1+R/12)-Y
也就是七年內如果還有額外的浮動支出就要靠獎金等支撐。
這樣的安排我覺得算是風險可以承擔下追求的奢侈品最高化了。
舉例來說
M=10
X=6
R=2%
Y=35
=>
P=84*(10-6)/(1.00167)-35=300~=Macan
以上例來說,只要月薪10萬,固定支出小於6萬就買得起Macan。
補充,不過獎金分紅最好要多些,因為真的年薪只有120你會發現信貸貸不到300,不然就
是利率嚇死人。另外通常一般人信貸上限也就300啦,所以要用上述公式買牛馬可能就無
法。
--
以下是個人定義的買得起,參考看看。
固定月薪(不含分紅,股票,獎金):M
月固定支出(房貸,學貸,孝親,伙食,生活用品,衣服,保險,養小孩等):X
個人信貸年利率:R
7年該品牌維修保養費: Y
可買車價: P
P=84*(M-X)/(1+R/12)-Y
也就是七年內如果還有額外的浮動支出就要靠獎金等支撐。
這樣的安排我覺得算是風險可以承擔下追求的奢侈品最高化了。
舉例來說
M=10
X=6
R=2%
Y=35
=>
P=84*(10-6)/(1.00167)-35=300~=Macan
以上例來說,只要月薪10萬,固定支出小於6萬就買得起Macan。
補充,不過獎金分紅最好要多些,因為真的年薪只有120你會發現信貸貸不到300,不然就
是利率嚇死人。另外通常一般人信貸上限也就300啦,所以要用上述公式買牛馬可能就無
法。
--
Tags:
保養
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