我的狀況真的不能買車嗎? - Toyota
By Sarah
at 2019-10-21T00:18
at 2019-10-21T00:18
Table of Contents
各位大大們好,手機排版有點亂請見諒
小弟最近有購車的考量,想向板上的大大們請益現階段是否適合買車?
個人背景稍微描述一下:
小弟今年25快26歲,電子大廠穩定工作一年半,月入約45~50k,加上不定期的獎金,年收
約650k ,目前與老婆有存款約60萬,預計明年六月升官後月薪會再多近1/6
個人每月開銷近1萬元
生活費:5000內(含吃飯、油錢,目前住家裡,不用給家用)
債務(僅學貸近30萬):每月固定還款5000
總開銷:10000/月
老婆公務員,月收33k,無債務,每月開銷5000內,有一台車齡近12年的初代Yaris(保險
稅金岳父繳),因老婆懷孕也快生了,預計11月會開始請產假+育嬰假2年,未來兩年收入
僅剩法律保障的半年6成薪=120k
開銷:5000/月
1.
小弟近期因為結婚後搬家(好岳父提供住所免買房,也不用擔心車位問題)新家離公司距
離硬生生從5km拉遠到25km,每天上下班來回距離將近50km,加上公司固定培訓課程(平
均每兩週一~兩堂課)需要至總公司上課,離現在上班地約10km,離住家約28km,目前皆是
以騎車方式通勤,但距離實在太遠了,老婆不放心
2.
老婆即將請育嬰假兩年在家帶小孩,且老婆只會開車,若我平常上班把車開走,老婆或小
孩有緊急狀況需出門的時候 就會沒車使用...
3.
老婆的初代yaris空間不足使用,載小孩安全性也不足(你不撞人別人也會來撞你...)
4.
yaris車齡也高,預計再開個5年左右也需換車
綜合以上因素才萌生了買車的念頭
目前和老婆討論後的結果是,因為她只會開沒屁股的中小型掀背車加上老婆不敢開新車,
所以打算讓我先買新車來開,5年後小鴨報廢再讓我換新車,現在買的就讓他開
我們夫妻的打算是月繳少一點,分60萬60期 剩下頭款,這樣我們負擔的起就決定去看車
了
因為老婆不喜歡ford,加上我比較注重安全性,最終決定去Mazda 3旗艦型 及Toyota Auri
s 旗艦型兩輛車,考量到試駕感受及業務提供的菜單、平時維修保養的距離後,最終選擇
了Mazda 3 旗艦型,但為了避免買了之後被父母唸東唸西,所以回家與父母討論後被依
1.
小孩要出生開銷大
2.
老婆用不到車啦開老婆的就好了
3.
車子安全性都差不多啦(這觀念我們真的差很多)
4.
這距離騎車還好吧(你們每天給我騎看看是不是真的還好而已)
5.
我只是虛榮心作祟(我又不花你們半毛錢,且若是虛榮心早就去看外匯雙B了...)
大致這5個理由給打槍了...
買車和一家人的和氣之間,最終我還是選擇了家人...
但價格真的很優惠加上上述的考量,真的很難放棄買車的念頭...
想請問大大們 依我的現況真的像家中的兩老所說不適合買車嗎?
謝謝
--
小弟最近有購車的考量,想向板上的大大們請益現階段是否適合買車?
個人背景稍微描述一下:
小弟今年25快26歲,電子大廠穩定工作一年半,月入約45~50k,加上不定期的獎金,年收
約650k ,目前與老婆有存款約60萬,預計明年六月升官後月薪會再多近1/6
個人每月開銷近1萬元
生活費:5000內(含吃飯、油錢,目前住家裡,不用給家用)
債務(僅學貸近30萬):每月固定還款5000
總開銷:10000/月
老婆公務員,月收33k,無債務,每月開銷5000內,有一台車齡近12年的初代Yaris(保險
稅金岳父繳),因老婆懷孕也快生了,預計11月會開始請產假+育嬰假2年,未來兩年收入
僅剩法律保障的半年6成薪=120k
開銷:5000/月
1.
小弟近期因為結婚後搬家(好岳父提供住所免買房,也不用擔心車位問題)新家離公司距
離硬生生從5km拉遠到25km,每天上下班來回距離將近50km,加上公司固定培訓課程(平
均每兩週一~兩堂課)需要至總公司上課,離現在上班地約10km,離住家約28km,目前皆是
以騎車方式通勤,但距離實在太遠了,老婆不放心
2.
老婆即將請育嬰假兩年在家帶小孩,且老婆只會開車,若我平常上班把車開走,老婆或小
孩有緊急狀況需出門的時候 就會沒車使用...
3.
老婆的初代yaris空間不足使用,載小孩安全性也不足(你不撞人別人也會來撞你...)
4.
yaris車齡也高,預計再開個5年左右也需換車
綜合以上因素才萌生了買車的念頭
目前和老婆討論後的結果是,因為她只會開沒屁股的中小型掀背車加上老婆不敢開新車,
所以打算讓我先買新車來開,5年後小鴨報廢再讓我換新車,現在買的就讓他開
我們夫妻的打算是月繳少一點,分60萬60期 剩下頭款,這樣我們負擔的起就決定去看車
了
因為老婆不喜歡ford,加上我比較注重安全性,最終決定去Mazda 3旗艦型 及Toyota Auri
s 旗艦型兩輛車,考量到試駕感受及業務提供的菜單、平時維修保養的距離後,最終選擇
了Mazda 3 旗艦型,但為了避免買了之後被父母唸東唸西,所以回家與父母討論後被依
1.
小孩要出生開銷大
2.
老婆用不到車啦開老婆的就好了
3.
車子安全性都差不多啦(這觀念我們真的差很多)
4.
這距離騎車還好吧(你們每天給我騎看看是不是真的還好而已)
5.
我只是虛榮心作祟(我又不花你們半毛錢,且若是虛榮心早就去看外匯雙B了...)
大致這5個理由給打槍了...
買車和一家人的和氣之間,最終我還是選擇了家人...
但價格真的很優惠加上上述的考量,真的很難放棄買車的念頭...
想請問大大們 依我的現況真的像家中的兩老所說不適合買車嗎?
謝謝
--
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at 2021-01-01T02:56
By Carolina Franco
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By Ivy
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By Mary
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By Catherine
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By Michael
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By Emily
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By Audriana
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at 2022-01-07T02:24
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at 2022-01-09T17:17
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