[摘要] 上虞买房要量力而行,“养得起房子,就养不起孩子”是多少上虞买房者的悲哀。在准备上虞买房的时候,我们要考虑到自己能买什么样的房子,有多少钱可以在哪个区域买,这就要我们对自己的买房能力进行评估。
RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">就是看你是否有能力上虞买房,或一次性付款买房,或贷款买房。如果是贷款上虞买房,那就应该评估你的还款能力,即以你的月供与家庭月收入比来衡量,一般月供高不宜超过家庭收入的50%。
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RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: bold;PADDING-: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">1、计算首付能力
RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">计算自己的首付能力时,一定要加上房屋的装修费用,因为你不可能住在毛坯房子里。
RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: bold;PADDING-: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">2、计算月供能力
RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">如果你是贷款买房,你每月的月供应该控制在你月收入的30%左右,因为你不但要考虑到贷款利率上升的因素,还要考虑到你收入减少的因素。此外,你在贷款买房时,好预留出一年的按揭款。
RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: bold;PADDING-: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">3、计算养房能力
RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">养房的成本包括物业费、供暖费、24热水费,如果你购买的房子距离上班地点很远,你还要考虑到交通费用。
RDER-BOTTOM: 0px;TEXT-ALIGN: left;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">据一项调查显示,我国有91.1%的人按揭买房,其中,有31.75%的人,月供占其收入的50%以上,如何不压力山大?所以买房前一定要先做买房能力评估,才能避免日后因买房压力过大而影响生活质量。
RDER-BOTTOM: 0px;TEXT-ALIGN: center;BORDER-LEFT: 0px;PADDING-BOTTOM: 0px;WIDOWS: 1;TEXT-TRANSFORM: none;BACKGROUND-COLOR: rgb(255,255,255);LIST-STYLE-TYPE: none;TEXT-INDENT: 2em;MARGIN: 0px;OUTLINE-STYLE: none;OUTLINE-COLOR: invert;MIN-HEIGHT: 1em;PADDING-LEFT: 0px;OUTLINE-WIDTH: medium;LETTER-SPACING: normal;PADDING-RIGHT: 0px;FONT: 16px/29px 'microsoft yahei';MAX-WIDTH: 100%;WORD-WRAP: break-word !important;WHITE-SPACE: normal;COLOR: rgb(62,62,62);CLEAR: both;BORDER-: 0px;BORDER-RIGHT: 0px;WORD-SPACING: 0px;PADDING-: 0px;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-WEIGHT: normal;PADDING-: 0px">上虞房天下
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