k**l 发帖数: 2966 | 1 夫妻双职工无孩,但打算要,年收入~170K,积蓄有首付
两家父母无压力,要是困难时还可以支援我们一些,不过只能应急;
生活上对奢侈品没有偏好,但不想过的很穷,比如一年至少能afford $2~3K的假期花销
我感觉是700~800K,可这个价位有点高不成低不就的 850K 会不会很吃力?
另外15y vs 30y loan的问题,我怎么感觉30y月供只能少1K多,非常不合算,为什么听
到周围的人
15y的很少?当然如果投资年收入能稳定超过5%贷30y估计合算,不过想想不太会把全部
积蓄扔到高风险
投资... |
r****c 发帖数: 2585 | 2 how much you are talking about downpay
200k and 500k are different
花销
【在 k**l 的大作中提到】 : 夫妻双职工无孩,但打算要,年收入~170K,积蓄有首付 : 两家父母无压力,要是困难时还可以支援我们一些,不过只能应急; : 生活上对奢侈品没有偏好,但不想过的很穷,比如一年至少能afford $2~3K的假期花销 : 我感觉是700~800K,可这个价位有点高不成低不就的 850K 会不会很吃力? : 另外15y vs 30y loan的问题,我怎么感觉30y月供只能少1K多,非常不合算,为什么听 : 到周围的人 : 15y的很少?当然如果投资年收入能稳定超过5%贷30y估计合算,不过想想不太会把全部 : 积蓄扔到高风险 : 投资...
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x***m 发帖数: 1733 | 3 you are almost guranteed to have more than 5% norminal return if you can
stick to buy and hold. The tick is
that you can stick to it, for 30 years though.
花销
【在 k**l 的大作中提到】 : 夫妻双职工无孩,但打算要,年收入~170K,积蓄有首付 : 两家父母无压力,要是困难时还可以支援我们一些,不过只能应急; : 生活上对奢侈品没有偏好,但不想过的很穷,比如一年至少能afford $2~3K的假期花销 : 我感觉是700~800K,可这个价位有点高不成低不就的 850K 会不会很吃力? : 另外15y vs 30y loan的问题,我怎么感觉30y月供只能少1K多,非常不合算,为什么听 : 到周围的人 : 15y的很少?当然如果投资年收入能稳定超过5%贷30y估计合算,不过想想不太会把全部 : 积蓄扔到高风险 : 投资...
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M*****R 发帖数: 650 | 4 How to do that, after tax?
【在 x***m 的大作中提到】 : you are almost guranteed to have more than 5% norminal return if you can : stick to buy and hold. The tick is : that you can stick to it, for 30 years though. : : 花销
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x***m 发帖数: 1733 | 5 buy equal amount of each of 30 dow jones stock each month using the
difference of 30 and 15 years
mortgage. reinvest the divident.
do it for 3 years. that is all.
【在 M*****R 的大作中提到】 : How to do that, after tax?
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w*t 发帖数: 591 | 6 Well, if you can get loan at rate of 4.5%, after tax deduction, you are
paying a rate of 2.7-3.0%. Deposit the extra money in China with RMB, last
time I checked the interest rate for one year CD is 2.5% if you price in the
future CD rate raise and the appreciation of RMB, you can easily beat the
mortgage saving. Also, you have the benefit of liquidity.
花销
【在 k**l 的大作中提到】 : 夫妻双职工无孩,但打算要,年收入~170K,积蓄有首付 : 两家父母无压力,要是困难时还可以支援我们一些,不过只能应急; : 生活上对奢侈品没有偏好,但不想过的很穷,比如一年至少能afford $2~3K的假期花销 : 我感觉是700~800K,可这个价位有点高不成低不就的 850K 会不会很吃力? : 另外15y vs 30y loan的问题,我怎么感觉30y月供只能少1K多,非常不合算,为什么听 : 到周围的人 : 15y的很少?当然如果投资年收入能稳定超过5%贷30y估计合算,不过想想不太会把全部 : 积蓄扔到高风险 : 投资...
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M*****R 发帖数: 650 | 7 You are probably right.
From Warren Buffet's 2007 annual letter:
【在 x***m 的大作中提到】 : buy equal amount of each of 30 dow jones stock each month using the : difference of 30 and 15 years : mortgage. reinvest the divident. : do it for 3 years. that is all.
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k**l 发帖数: 2966 | 8 我怎么觉得中国政府是在利用高通货膨胀来抵消RMB升值压力, 现在rmb购买力已经不
明显突出了
last
the
the
【在 w*t 的大作中提到】 : Well, if you can get loan at rate of 4.5%, after tax deduction, you are : paying a rate of 2.7-3.0%. Deposit the extra money in China with RMB, last : time I checked the interest rate for one year CD is 2.5% if you price in the : future CD rate raise and the appreciation of RMB, you can easily beat the : mortgage saving. Also, you have the benefit of liquidity. : : 花销
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w*t 发帖数: 591 | 9 Then you will get high interest rate on RMB deposits, one way or the other.
Without 2F, no one will buy mortgages, because it is the worst kind of
investment, (borrow in short term and lend in long term with fixed rate, and
borrower having an option to pay it back early when rate goes down ...) 2F
can do it because tax payers are footing the bills.I would be damned if I
am not on the other side of the trade and maximize my advantage.
【在 k**l 的大作中提到】 : 我怎么觉得中国政府是在利用高通货膨胀来抵消RMB升值压力, 现在rmb购买力已经不 : 明显突出了 : : last : the : the
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q****y 发帖数: 593 | 10 800K SOUNDS ABOUT YOUR HIGH CEILING。 |