回复：老问题,我们负担这样的房子如何?

You can, but not easy.

$13W income you will bring home $7k/permonths
70k saving to buy have have house, you only can put 10 % down payment. it is 45k + plus close costing aorund 10K, so you will at least pay 55K to close your house.
so you will have 400k loan, mortgage payment will 3k plus gas elect utility and water cost will be $300,
I have 300k loan, morgage is 2.3k + plus $300 utility ( not include cell phone, cable, internet and phone service)
if you have baby later you will need spent 1k for child care and additional cost for your baby.
so 3000 + 300 + 1000 + food + gas + insurance + other ? how much you left?
10% downpayment you need apply second loan which is high rate, you want to pay all them as early as possible so it mean you hope you will save 10k or more each year to pay off the second loan.
you will be fine if next 5 years you can keep your job, salary raise 3% - 5% every year.
we have more than 160K income. 300k loan, life is ok, but not really good, every months spend is between 6k to 6.5k. still can play golf every week, but not real good course. if I want to play good course need think about it.

所有跟帖： 

• 回复：回复：老问题,我们负担这样的房子如何? -Live2Fish- ♂ (20 bytes) () 12/14/2006 postreply 19:28:57

• 回复：回复：老问题,我们负担这样的房子如何? -pipi11- ♂ (14 bytes) () 12/14/2006 postreply 19:30:21