如果手头上有十万左右闲钱投资一个三四十万左右的unit合适吗？求地区

小红豆 · 发表于 2014-5-31 17:14:06

urbb 发表于 2013-10-29 11:41
为何总是男人前怕狼后怕虎的？
俺这有对夫妻才好玩呢，也是男的怕还款，女的不怕。两人都有工作收入。结 ...
我也觉得男人好多时候比女人胆子小承受力差，不过他也没反对，就是表达了下忧虑。估计怕万一涨上去了要被说了。

parrot · 发表于 2014-5-31 18:42:35

投资贵在早啊，父母问题倒是其次

小红豆 · 发表于 2014-5-31 19:19:12

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同意你的观点啊，不知道会不会继续这么涨下去哦

shyeu2 · 发表于 2014-5-31 20:43:04

小红豆发表于 2013-10-29 11:47

很大说不上，以四十万房子为例，贷款三十万，基本上租金能抵消房贷。最多每周出个几十块strata fee.不过 ...
If that is the case, i think you guys need to think carefully.
1. what if no one rent the place for 1 or 2 months?
2. what if he loses the job?
You should have a contingency plan for the unexpected shits.
My suggestions:
Put 50k as deposit to buy an investment property and keep 50k in the offset account for your principle home.
So you will get the following advantages:
1. Maximize the tax benefit on the investment property , as the interest will be higher than putting 100k deposit
2. You will be able to pay less interest in your principle home
3. IF shit happens, you will still have 50k as backup. (I believe, it will be enough for 6 months at least?!)
Hope it helps.