V**********y
发帖数: 23 | |
t****g
发帖数: 343 | 2 请用mint.com提供的买房计算
【在 V**********y 的大作中提到】
: 感觉挺漂亮，心向往之～
: 谢谢！
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x***m
发帖数: 1733 | 3 depends on your downpay
【在 V**********y 的大作中提到】
: 感觉挺漂亮，心向往之～
: 谢谢！
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g********n
发帖数: 2314 | 4 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。
【在 V**********y 的大作中提到】
: 感觉挺漂亮，心向往之～
: 谢谢！
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t***s
发帖数: 4666 | 5 $300k down, only $900k loan. doable with $200k annual income.
【在 g********n 的大作中提到】
: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。
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r****c
发帖数: 2585 | 6
you must be kidding me
with no kids 300k income
with 1 kid 350k
【在 t***s 的大作中提到】
: $300k down, only $900k loan. doable with $200k annual income.
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s**********1
发帖数: 95 | 7
不要这么多吧，这不存心不让人买嘛
【在 g********n 的大作中提到】
: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。
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g********n
发帖数: 2314 | 8 低了恐怕贷款做不下来，请托老和金算子证实一下。
【在 s**********1 的大作中提到】
:
: 不要这么多吧，这不存心不让人买嘛
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b********t
发帖数: 8181 | 9 30万down,最少17，8万年收入，取决于其他开销。
【在 V**********y 的大作中提到】
: 感觉挺漂亮，心向往之～
: 谢谢！
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g********n
发帖数: 2314 | 10 90万的贷款，如果一个jumbo comforming 729k + HELOC 171k
1.2 million 的房子恐怕只能贷出12万左右的 HELOC。 此方案行不通。
那就只有jumbo loan 900k 一条路了。200k 收入有点够呛。
【在 t***s 的大作中提到】
: $300k down, only $900k loan. doable with $200k annual income.
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t***s
发帖数: 4666 | 11 为什么heloc只能贷10%？我看到的都是TLTV 75-80%。
$900k的jumbo按今天starone 5.25%的利率，每月不到$5000。再加p-tax insurance每
月撑死$1500。总共$6500。$200k年薪只有39%DTI。
【在 g********n 的大作中提到】
: 90万的贷款，如果一个jumbo comforming 729k + HELOC 171k
: 1.2 million 的房子恐怕只能贷出12万左右的 HELOC。 此方案行不通。
: 那就只有jumbo loan 900k 一条路了。200k 收入有点够呛。
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r****c
发帖数: 2585 | 12 if double income, you need to pay
8.5% social + medicare
16500 * 2 = 33000 401k
about 25 - 30k tax
so about 10k a month
if you have kids at least 1k -2k extra,
plus gas, utility bill, maintenance of home, etc, you need to survive with
about 1k a month
【在 t***s 的大作中提到】
: 为什么heloc只能贷10%？我看到的都是TLTV 75-80%。
: $900k的jumbo按今天starone 5.25%的利率，每月不到$5000。再加p-tax insurance每
: 月撑死$1500。总共$6500。$200k年薪只有39%DTI。
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x*****u
发帖数: 4750 | 13 你们都好敢撑呀。。。。。。。。
【在 g********n 的大作中提到】
: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。
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t***s
发帖数: 4666 | 14 为什么SS+med要8.5%？不是7.65%吗？那个$10k/month又是什么？原来估计的$1500
for p-tax + insurance 其实包括 maintainence，否则$1250也就差不多了。
$6.5k*12 = $78k for the house
$200k*.0765 = $15.3k for SS+Med
$30k tax
that's $123k fixed cost. if you want to max out 401k, that's another $33k,
but it's not mandatory. so you will still have $44k left for daily spending.
with
【在 r****c 的大作中提到】
: if double income, you need to pay
: 8.5% social + medicare
: 16500 * 2 = 33000 401k
: about 25 - 30k tax
: so about 10k a month
: if you have kids at least 1k -2k extra,
: plus gas, utility bill, maintenance of home, etc, you need to survive with
: about 1k a month
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t***s
发帖数: 4666 | 15 这还叫撑？你是bso不差钱？
【在 x*****u 的大作中提到】
: 你们都好敢撑呀。。。。。。。。
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p******t
发帖数: 1598 | 16 我老觉得25万年收入就行
【在 g********n 的大作中提到】
: 30万的downpayment, 3万的cash reserve, 30万的年收入，无其他债务。
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p******t
发帖数: 1598 | 17 没娃可以
【在 t***s 的大作中提到】
: 为什么heloc只能贷10%？我看到的都是TLTV 75-80%。
: $900k的jumbo按今天starone 5.25%的利率，每月不到$5000。再加p-tax insurance每
: 月撑死$1500。总共$6500。$200k年薪只有39%DTI。
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f*****a
发帖数: 781 | 18 200K income with only 30K tax? are you dreaming?
you need to pay at least 35K to 50K combined tax
$33k,
spending.
【在 t***s 的大作中提到】
: 为什么SS+med要8.5%？不是7.65%吗？那个$10k/month又是什么？原来估计的$1500
: for p-tax + insurance 其实包括 maintainence，否则$1250也就差不多了。
: $6.5k*12 = $78k for the house
: $200k*.0765 = $15.3k for SS+Med
: $30k tax
: that's $123k fixed cost. if you want to max out 401k, that's another $33k,
: but it's not mandatory. so you will still have $44k left for daily spending.
:
: with
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g********n
发帖数: 2314 | 19 我这个标准是房黑的标准，还叫撑？ 你没看见那几个回帖说25% downpayment, 17万
，20万，25万年收入就可以撑的，那才叫勇敢。
【在 x*****u 的大作中提到】
: 你们都好敢撑呀。。。。。。。。
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f*****a
发帖数: 781 | 20 also u forgot including 15K - 20K prop tax
that leaves you about 200K - 123K - 20K prop tax - 16K (additional
income tax) = 41K for rest of your life,
so you have total of 41K/12 = 3.4K for monthly spend for food, gas,
utility, house insurance, 401K, health insurance, any medical expenses
etc.
If you have no child that maybe doable, with 1+ child thats impossible
to do with 200K income
$33k,
spending.
【在 t***s 的大作中提到】
: 为什么SS+med要8.5%？不是7.65%吗？那个$10k/month又是什么？原来估计的$1500
: for p-tax + insurance 其实包括 maintainence，否则$1250也就差不多了。
: $6.5k*12 = $78k for the house
: $200k*.0765 = $15.3k for SS+Med
: $30k tax
: that's $123k fixed cost. if you want to max out 401k, that's another $33k,
: but it's not mandatory. so you will still have $44k left for daily spending.
:
: with
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t***s
发帖数: 4666 | 21 you didn't even read the post. $6500 includes p-tax+insurance+maintainence.
【在 f*****a 的大作中提到】
: also u forgot including 15K - 20K prop tax
: that leaves you about 200K - 123K - 20K prop tax - 16K (additional
: income tax) = 41K for rest of your life,
: so you have total of 41K/12 = 3.4K for monthly spend for food, gas,
: utility, house insurance, 401K, health insurance, any medical expenses
: etc.
: If you have no child that maybe doable, with 1+ child thats impossible
: to do with 200K income
:
: $33k,
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t***s
发帖数: 4666 | 22 and you don't need to pay $46k total income tax for $200k income
with a $900k mortgage. $35k tops.
【在 f*****a 的大作中提到】
: also u forgot including 15K - 20K prop tax
: that leaves you about 200K - 123K - 20K prop tax - 16K (additional
: income tax) = 41K for rest of your life,
: so you have total of 41K/12 = 3.4K for monthly spend for food, gas,
: utility, house insurance, 401K, health insurance, any medical expenses
: etc.
: If you have no child that maybe doable, with 1+ child thats impossible
: to do with 200K income
:
: $33k,
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f*****a
发帖数: 781 | 23 you dreaming again, 6.5K for prop tax + 900K mortgage + maintenance.
Mortgage (+mortgage insurance) alone will cost you around $6K per month
for 900K loan.
tax+insurance+maintainence.
【在 t***s 的大作中提到】
: you didn't even read the post. $6500 includes p-tax+insurance+maintainence.
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f*****a
发帖数: 781 | 24 with Fed AMT and CA AMT, your 900K mortgage is useless against AMT taxes
【在 t***s 的大作中提到】
: and you don't need to pay $46k total income tax for $200k income
: with a $900k mortgage. $35k tops.
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t***s
发帖数: 4666 | 25 i have real data. why would you need mortgage insurance if you're
paying 25% down? today starone's jumbo rate (up to $1M) is 5.25%.
$900k loan monthly payment $4969.83.
【在 f*****a 的大作中提到】
: you dreaming again, 6.5K for prop tax + 900K mortgage + maintenance.
: Mortgage (+mortgage insurance) alone will cost you around $6K per month
: for 900K loan.
:
: tax+insurance+maintainence.
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t***s
发帖数: 4666 | 26 you really know nothing about tax. and ca amt is quite hard to hit.
certainly not with $200k income.
【在 f*****a 的大作中提到】
: with Fed AMT and CA AMT, your 900K mortgage is useless against AMT taxes
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f*****a
发帖数: 781 | 27 with enough deduction, anyone with more than 39K income can hit CA amt
【在 t***s 的大作中提到】
: you really know nothing about tax. and ca amt is quite hard to hit.
: certainly not with $200k income.
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t***s
发帖数: 4666 | 28 you must be kidding. CA AMT examption for married is ~$79k.
【在 f*****a 的大作中提到】
: with enough deduction, anyone with more than 39K income can hit CA amt
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g********n
发帖数: 2314 | 29 其实买1.2m 以上的房子的人， 大多付了超过25%的downpayment，loan amount 和买80
万，100万的人差不多。
版上有恰恰付25%的down,买1.2m以上房子的人么？举你的手。。。 没有嘛。
【在 V**********y 的大作中提到】
: 感觉挺漂亮，心向往之～
: 谢谢！
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