我这种情况贷款多少比较合适？

三楼亲上一楼

本帖最后由 三楼亲上一楼 于 2014-1-3 16:33 编辑
the rule of thumb, your monthly repayment is better to kept under 40% of your household combined income (after tax)
for example, the household combined income is 115K,  therefore  monthly income after tax will be roughly 7.5K
your monthly repayment thus calculated as $3000 to be safe, according to the interest rate, its safe for you to borrow around 500K for 30 years terms.
the remaining 20% will be your addtional household outgoing(e.g car allowance, utility outgoings,grocery, insurance, medical expense etc)
also you would need some saving behind your back for future unpredicatable circumstance(e.g your wife have a child and the entire family is living on your income, the interest rises. etc )
however you can borrow more through a broker, but you will live on a stressful life for awhile which is not worthwhile

老黄

安居乐业

zzzWWWzz

ivorsyd 发表于 2014-1-3 16:27

关键LD有工作没
LD刚过来，语言还是个问题，暂时没工作

zzzWWWzz

三楼亲上一楼 发表于 2014-1-3 16:30

the rule of thumb, your monthly repayment is better to kept under 40% of your household combined inc ...
谢谢，看来要继续攒首付，否则压力过大

没事儿闲的

zzzWWWzz 发表于 2014-1-3 21:17

谢谢，看来要继续攒首付，否则压力过大
11楼的说的有一定的道理。
但是想一想2013年悉尼房价的走势，等你真正攒够20%的首付，房价可能也不是现在的房价了。
而且你们现在交的房租很有可能跟你们买完房子交的利息差不多，那为什么还要给别人交租金不自己买房子呢。
你的收入够SOLID，减去3万左右的印花税，5万首付，买个50-70万的房子贷款90-95%应该可以贷的下来。
但是这个价位3房TH选择的区可能还是相对少一些。

三楼亲上一楼

zzzWWWzz 发表于 2014-1-3 21:17

谢谢，看来要继续攒首付，否则压力过大
工资永远赶不上房价，何不降低自己的budget, 8万首付，贷个53万，跑去3万印花税的大头，买个60万左右的房子，以后再慢慢换
很少有人是一步到位的，生活水平会慢慢提高的
比如说，等孩子大点，LD出去工作家里会有2份收入了
日子都是越过越好的

Camus

MQ附近有3方的，60多万，就是很偏，房子很旧

国平

你拿到身份了没？

bekin

三楼亲上一楼 发表于 2014-1-3 15:30

the rule of thumb, your monthly repayment is better to kept under 40% of your household combined inc ...
I agree. What life quality do you want?

zchf

三楼亲上一楼 发表于 2014-1-3 22:11

工资永远赶不上房价，何不降低自己的budget, 8万首付，贷个53万，跑去3万印花税的大头，买个60万左右的房 ...
有道理，meadowbank不错，60多万还有两房的全新公寓
我不卖房，不过我可以牵线。