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你觉得年收入10万可以买多贵的房子?

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06-02-14 15:04操作
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以下是引用CurlyDoll在2006-2-14 14:17:00的发言:
10万年薪,又有两个dependants, 每个月到手净收入应该有5000刀以上。40万80%的贷款每个月还贷大约在2200刀左右吧。如果没有车贷,孩子又不送day care, 买50万的房子应该不算financially stretched. [em13]


I think the total cash outflow per month will be around $3200-3400 excluding grocery shopping and entertainments.


$2200 is only for mortgage payment with reasonable interest rate
HOA($100-150),
property tax( say $400-500 in big cities)
owner's insurance ($100-150)
utility bills (water, electricity, cable/internet, telephone/cellphones-roughly $200-300)
car insurance ($50-100)
security system ($30-50)


given the fact that lz quoted her monthly eating expense is $600 or so (adding some grocery purchase of $200/month to it), lz's BASIC monthly expenses will be around $4000.


Dunno lz mm's saving pattern or life style, if there's no any other source of income or the 20% of downpay using up the majority of your savings, I'd say the above situation is financially stretched.

[em01][em01]
投票: - 多选(最多可选4项)
截止时间:2033-07-01 00:00:00

1、20-30万

33票 / 29%

2、30-40万

56票 / 49%

3、40-50万

24票 / 21%

4、50万以上---死撑?

2票 / 2%

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06-02-14 17:43操作
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以下是引用kittycy在2006-2-14 17:14:00的发言:

5.375%的利息, 现在不是高多了,偶还在贷款银行做过的,觉得这个利息还可以啊.


very good rate, i got 6% for 30 yr fixed from the builder mortgage, and 5.75% from a outside company.[em03][em03]


my in-laws re-fied theirs 4 yrs ago right after 911 at 4.75%(15 yrs fixed)-->isn't that amazing?


[此贴子已经被作者于2006-2-14 17:44:33编辑过]

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