[問題] 這種程度的收入及積蓄能夠買嘛?
各位好~
小弟最近想要買中壢將近550W的公寓大樓!
不過家人一直認為我負擔不起這個房貸的壓力...
說明一下收入好了...
目前剛開始工作約一年半
一個月薪水平均42K(在某家大公司上班)
明年年中可望升遷(機率很大)
薪水會變成每個月50K
然後手上所有現金只有40W
目前打算如果看到滿意的房子~
價位在500W左右的
計畫是以"信貸+20W=頭期款"+房貸下去買
預計成交後每個月所需負擔的房貸+信貸大約快要3W
手頭上剩下的20W打算拿來買一些基本家具~
如果沒有需要買太多傢俱的話打算存著當作未來緊急緩衝用...
然後我也有去查過資料...信貸+房貸比較有困難
有人跟我說~
信貸就等於房貸
假設今天房貸450萬
而我信貸借50W
房貸就會變400萬...
在此想問問大家!~
是不是有個方法能讓銀行當下不知道你有其他貸款要還的方式...
目前小弟是稍微知道~"信貸與房貸的件一起送出去"
這個不曉得行不行得通!~
大家來分享一下當頭期款不夠的時候
用了哪些方法湊錢呢...
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