Pika100
10%还是20% DOWN PAYMENT？
5192
21
2007-08-08 11:23:00
我昏！月入4600就敢买60多万的房子？股市都跌成这样了，房子再跌怎么办？没人租房或者租金跌了怎么办？你们有孩子不？将来要上学不？你们有足够的医疗保险不？你老公有失业保险和人寿保险不？。。。。。太危险了！
健康财务状况的简单计算是：贷款额=税前收入*3。。。。这个虽然比较保守，但是你家也差太远了啊。
如果一定要买，我建议你尽可能多付downpayment,支持不住的时候就卖房。注意房租不是稳定收入，还可能要交税的，并且租房有你意想不到损耗，房子本身也需要维护费用。
Right, your budget will be extremely tight since the rental income is not guaranteed. There'll be a lot of extras on the house, and I assume the HOA for townhomes is considerablly high, too.
Our mortgage is less than 2 times our gross income, and the monthly payment is only 1/5 of our take-home pay after 401k and taxes. But we are still in red every month since we moved in...tools for the house, maintenance, furniture, appliances, utilities, insurance,etc.
You'd better calculate your average household expenses for the past year and plan for a reasonable cushion.
And the most important: is your husband's job quite stable? Or you can find a job soon enough?
We've seen several houses on foreclosure in the area, all families which have lost their only income. 6-months expediture is the minimum reserve you should have for rainy days.
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