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家が買えません。
- #1
-
- ノムノム
- 2013/02/25 09:22
はじめまして。
サウスベイで暮らしている40前半夫婦です。子供が1人おりますが、夫婦共働きで子育てをしています。
家の購入を検討しておりますが、今が買い時と言われていて、ここ1年ぐらいずーっと探していますが、高くて高くてなかなか踏み切れません。みなさん、いったいどうやって購入しているのでしょうか?サウスベイ辺でいい学校区で探すとやはり60万ドルはします。共働きなので、アフタースクールにもお金が掛かるし、子供の学費も貯めているし、老後の毎月の貯蓄も削りたくありません。でも、どこかを削らないと、やっぱりモーゲージは払えません。周りの友達が、すごい勢いで購入しています。みなさん、いったいどうやって、購入しているのでしょうか?やっぱり親に助けてもらったりしているのでしょうか?貯金額を減らしているのでしょうか?世帯収入が低いのでしょうか?とても一般会社員には手が出せません。やはり我が家だけでしょうか?ちなみに世帯収入は$14万~15万ぐらいです。
- #45
-
- bakatara
- 2013/03/08 (Fri) 07:03
- Report
色々と言っておきながら
>不動産って他人に言われて買う物でしょうか?? すべて自己責任でやるものでは、 だってさ。
確かにそうかもしれないが、いかにもな不動産屋のお言葉ですな、
- #47
-
#45さん
私は不動産屋ではありません。 投資家です。
メインは全然関係のないビジネスです。
#41と#45は同一人物ですか?
- #49
-
#46さん
あくまで私の経験ですが、ローンを受ける場合、資産はあまり
考慮しないようです。ないよりはあった方がいいですが、それよりも過去3年の収入と、クレジットスコアーが大事なようです、
クレジットスコアーは自営の場合、800近くが必要です。
会社つとめの場合手取り年収の4倍ぐらいまで借れますが、自営の場合は3倍ぐらいまでです。
頭金を50%ぐらいいれれば、借りやすくなるのでそういうところで攻めるのも手です。 自営の場合はローンを受けるのは厳しいのは確かです。 キャッシュフローのこともあり、私の投資物件は35−50%頭金をいれてます。
ローンオフィサーに相談していくらまで借りれるか聞くのが一番
だと思います。
- #50
-
ますます家は値上がりしてきましたね、 カリフォーニア州の平均は過去1年で14%値上がりしたそうです。
それに売り家不足して、うりに出せばすぐ7−8件のオッファー
があるようで完全に売り手市場ですね。
もう波に乗り遅れた感じです。
Posting period for “ 家が買えません。 ” has been closed.
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