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DesperatelyInLove
大家觉得每月攒多少钱合适?
1316
8
2006-05-02 14:55:00
想买个大房子,可是不知道自己是不是 over leverage 了.在美国的生活经验实在不多,不知道应该怎么样.
too rough question, more details pls.
how much do u earn? what's your usual expense? what's your budget on house?
是啊，楼主什么都没说，我们能有啥主意。
what's over leverage?
You will get lots inputs after providing us more detailed information.
一般说你能负担的mortgage是你们家年收入的3-4倍吧。按照我的感觉，4倍就比较紧张了。3倍轻松一点。可能没有小孩的时候还可以按照4倍，有了小孩3倍就比较合适了。这样你能买的房价大致就定下来了。
你需要攒的钱应该是down payment + closing cost。现在一般都是5% down payment。Closing cost我们家是3%。我想最多5%也就到头了。所以你就按照房价的10%来攒钱，大体应该是差不多的。
别忘了每月除了morgage还有property tax, HOA, home insurance etc... Utilities也比apartment高很多，所以最好把这部分cost也考虑进去，看是否comfortable
As long as you can afford the mortgage and all the other necessary expenses, you will be fine. Put some money in the savings account for emergency purpose. You do not have to save any money every month.
for the mortgage, it is supposed to 28 % - 36 % of your income, maybe a slight number difference.
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