wow, 年收入 for single 10万+足够20%downpayment. How rich you are!

[此贴子已经被作者于2006-2-14 13:52:07编辑过]

Our total annual income before tax 9w, no daycare fee to pay, downpay 25%, still feel very tight for a 23w house. First time do not buy on the top of your budget. Will be very very stressful.If you can start to work soon, then you may increase the budget.

我觉得关键还是看你在什么地方了



要是你在的地方房价便宜，３０万已经可以买豪宅了



就不要去追求５０万的奢侈了，



要是你在贵的地方，５０万也只能买个condo，



我看花上５０万也没有问题

To be frank, how much you can afford house mostly depends on what kind of life you''d like to live given the family income.

[此贴子已经被作者于2006-2-14 13:50:08编辑过]

50万压力太大了，基本不用花别的钱了，那多痛苦。30万就行，40万有些紧，不过不用daycare,没有车贷，然后来个30年房贷，也还成。

有人说：只要每个月的月供+房屋保险+地产税不超过税后收入的一半，就没问题。在纽约加州波士顿等地要适当增加到2/3。