k*****a
发帖数: 1518 | 1 ZT 年薪$80000: 一个中国男人在美国的幸福生活 by emule (东北人) at 2004.8.6
14:57
年薪$80000/yr
退休金存储$80000 * 15% = $12000/yr
还剩$80000 - $12000 = $68000/yr
所得税，社会保障税$10000/yr (假定一家四口，老婆不工作)
现金年收入$68000 - $10000 = $58000/yr
平均每月$58000 / 12 = $4800/m |
t****u
发帖数: 8614 | 2 tight是肯定tight的，但不是不能afford。
当然有些比较花钱的活动肯定是要牺牲的。
这就看你自己的priority了。
我的看法是除非你这辈子永远不准备买房子，
房子这一坎也是总是要过的，早进这个Market
早好。如果自己觉得还有更重要的事，则不要
push自己到limit，先买了小一点差一点的房
子。至少能够keep market pace。
a
.
够
供 |
t****u
发帖数: 8614 | 3 what you heard is totally wrong.
The bank will use the following formula,
[mortgage upper limit] <= [pre-tax monthly income]*factor - [other
liability].
The factor is 28% for the most conservative lender, and 33% is commonly
accecpted by most banks, and of cource some agressive lender can push it
40% (which I don't recomment you to go).
So your monthly affordability is largely decided by the current
intest rate.
The rule of thumb of 3x [Annual income] is from the time in early
90s, that time the |
t****u
发帖数: 8614 | 4 I am sure, because all my friends right now have a job including
my wife who found a job in Apr after being laid off for 6 months.
And one friend found a job in 2 weeks after being 2 years house-wife.
Job market is probably miserable to new graduate without PR, but
for those experience people who has PR or citizenship, it is improved
a lot. |
