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.

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.

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

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]