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请教中部大农村买房

请教中部大农村买房# Living

H*i2015-07-15 07:07

1 楼

觉得是一个入点。当然，前提是大盘不突然掉头向下的话。

s*e2015-07-15 07:07

2 楼

新手第一次买房想请教下
税前工资52k，想买250k左右的房子，有50k downpay
30年fixed好像要多付100多k的利息，想想很肉疼啊，不过看版上大家的帖子说每月开
销不止房贷担心15年fixed压力太大
大家有啥建议不？另外问了本地一银行30年可以给4.125的rate,15年给4的rate，大家
觉得rate如何？
不好意思问了太多问题了，谢谢回复:)

k*u2015-07-15 07:07

3 楼

我老的先头部队已经上了。不管大盘，中长期投资的话，这个是白菜价

x*u2015-07-15 07:07

4 楼

Don't think which rate is a better deal, think about which mortgage would
give you a monthly payment number that you can afford right now. Cost of
buying a house involves mortgage payment, insurance, property tax, utilities
, maintenance and a bit extra set aside for incidentals. It could be
another $400-600 a month on top of your mortgage payment when added together
.
This cost should ideally be less than 1/3 of your monthly net income, so you
can have the house and still afford to have a life. 1/2 is probably the
maximum you can push this limit before this house becoming an anchor on your
neck. Remember, you still need to build up enough savings so you can
afford to pay for everything even if you don't have income for a couple of
months.
If you change to a better job with more income at a later time, you could
always refinance to get a better rate and/or shorter term. Either way, 4.
125 and 4 is not that much of a difference.

H*i2015-07-15 07:07

5 楼

感觉还要等大盘猛跌一下进才比较稳妥

s*e2015-07-15 07:07

6 楼

thank you so much :)

utilities
together
you
your

【在 x****u 的大作中提到】

: Don't think which rate is a better deal, think about which mortgage would
: give you a monthly payment number that you can afford right now. Cost of
: buying a house involves mortgage payment, insurance, property tax, utilities
: , maintenance and a bit extra set aside for incidentals. It could be
: another $400-600 a month on top of your mortgage payment when added together
: .
: This cost should ideally be less than 1/3 of your monthly net income, so you
: can have the house and still afford to have a life. 1/2 is probably the
: maximum you can push this limit before this house becoming an anchor on your
: neck. Remember, you still need to build up enough savings so you can

H*i2015-07-15 07:07

7 楼

有人进了吗

【在 H********i 的大作中提到】

: 感觉还要等大盘猛跌一下进才比较稳妥

b*c2015-07-15 07:07

8 楼

这情况肯定30年啊

【在 s**********e 的大作中提到】

: 新手第一次买房想请教下
: 税前工资52k，想买250k左右的房子，有50k downpay
: 30年fixed好像要多付100多k的利息，想想很肉疼啊，不过看版上大家的帖子说每月开
: 销不止房贷担心15年fixed压力太大
: 大家有啥建议不？另外问了本地一银行30年可以给4.125的rate,15年给4的rate，大家
: 觉得rate如何？
: 不好意思问了太多问题了，谢谢回复:)