該不該買車.... - 汽車
By Ophelia
at 2019-05-25T10:04
at 2019-05-25T10:04
Table of Contents
※ 引述《a715000 (賊哥)》之銘言:
: 手機排版見諒~
: 魯宅28歲,沒房沒汽車只有一台機車,年收50左右而已,存款150萬左右,家住比較偏遠
: ,離市區約25分路程,上下班暫時沒有一定要開車的必要,家裡(租房)只有我跟我媽,
^^^^^^^^^^^^^^^^^^^
這是超級重點
如果上一代沒房
你這代絕對要買房
不然就是永遠貧窮世襲 無法翻身
1.你說你在租房
你可以去查你租的房子或社區 目前市價行情約多少
在對比你每個月繳的租金
台北新北以外 通常租金投報率在4-6%
但目前房貸利率只有2%以下
你如果認真試算 假設把你租的這間買下來
貸款八成 用三十年貸款
你會發現每個月要繳的房貸 和你現在繳的房租
其實根本差不了多少
但買房自住最大的好處是
除了當你老了 有自己的地方住
如果你打算終身不婚不生
那你這間繳清貸款的房子
還可以逆向抵押給銀行 以房養老
也就是前三十年 你每個月繳房代給銀行
後二十年 銀行每個月付錢給你 因為你抵押給銀行
這樣50年的規畫 你也已經78歲
高於台灣男性平均壽命
其實已經差不多了足夠了
2.買房另一個重大意義在擺脫貧窮世襲
你這代買房 繳清貸款
你的小孩以後繼承你的房子
他就不需要買房
不用繳房租也不用繳房貸
可以真正存錢賺錢
你如果這輩子都在租房 存不了錢
你的小孩以後也會終身租房 存不了錢
這就是貧窮世襲 惡性循環
階級差異就是這樣來的
所以我勸你還是快點買來自住卡實在...
--
: 手機排版見諒~
: 魯宅28歲,沒房沒汽車只有一台機車,年收50左右而已,存款150萬左右,家住比較偏遠
: ,離市區約25分路程,上下班暫時沒有一定要開車的必要,家裡(租房)只有我跟我媽,
^^^^^^^^^^^^^^^^^^^
這是超級重點
如果上一代沒房
你這代絕對要買房
不然就是永遠貧窮世襲 無法翻身
1.你說你在租房
你可以去查你租的房子或社區 目前市價行情約多少
在對比你每個月繳的租金
台北新北以外 通常租金投報率在4-6%
但目前房貸利率只有2%以下
你如果認真試算 假設把你租的這間買下來
貸款八成 用三十年貸款
你會發現每個月要繳的房貸 和你現在繳的房租
其實根本差不了多少
但買房自住最大的好處是
除了當你老了 有自己的地方住
如果你打算終身不婚不生
那你這間繳清貸款的房子
還可以逆向抵押給銀行 以房養老
也就是前三十年 你每個月繳房代給銀行
後二十年 銀行每個月付錢給你 因為你抵押給銀行
這樣50年的規畫 你也已經78歲
高於台灣男性平均壽命
其實已經差不多了足夠了
2.買房另一個重大意義在擺脫貧窮世襲
你這代買房 繳清貸款
你的小孩以後繼承你的房子
他就不需要買房
不用繳房租也不用繳房貸
可以真正存錢賺錢
你如果這輩子都在租房 存不了錢
你的小孩以後也會終身租房 存不了錢
這就是貧窮世襲 惡性循環
階級差異就是這樣來的
所以我勸你還是快點買來自住卡實在...
--
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