A couple with an annual salary of 3.6 million want to buy a house for their children. They highly recommend good items to "resist first purchase": not the time

Against the backdrop of rising housing prices, a young couple with high incomes with double wages and high incomes consider buying a house in order to welcome their first child. However, when they measure their economic abilities, they have chosen a high-rise apartment, they are told by financial experts not to rush to start because the reason is related to their children. According to

finasee, Ei Watanabe (pseudonym) is an English teacher at a private high school in Tokyo. She and her husband who worked in a travel company are about to welcome her long-awaited first child. The couple decided to buy their home by making a production a chance. They loved a new house in a high-rise apartment. The location was fine and the planning was equipped with a care center, a children's game room and a primary clinic, which was very friendly to the parenting environment.

The price of this house is about 20 million yen (about NT$40 million), and the annual income of Watanabe's two men and women is 18 million yen (about NT$3.6 million), which belongs to high-income families. The non-operating company said that if the 20 million yen (about NT$4 million) is paid, the double-paying loan can be used to pay the remaining 180 million yen (about NT$36 million).

Although Watanabe couple expressed their high desire to buy, they were opposed by their parents. All seniors are serious businessmen. They think that the child is about to be born, and it is actually inappropriate to bear debts of up to 40 million yuan. So they went to the financial planner's room to ask for advice.

小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小小Komuro replied: "Some people often ask me which is a good deal, renting a house or buying a house. I came from a non-operating company and I have no doubt that I am a supporter of buying a house. I also suggest that Miss Watanabe will come and buy a house, but it is not the time."

Then he explained the reason: "Like Miss Watanabe In this way, there are many situations where I hope to start nurturing in my new home. But I call this situation "the devil's choice." Because there may be huge differences in value view before and after having children. When life is completely around children, you will find cars, frequent shops, and restaurants The choice will be completely different. "

He continued: "If two people plan to continue working like they are now, it is best to have a kindergarten near their home that can extend their childcare hours, and a primary hospital that can take medical treatments on holidays and nights. And before the child goes to school, if he lives in his wife Near your mother's home, if there is a sudden situation, you can ask your parents for help. In addition, if you plan to let your children go to private schools, you must also consider the convenience of general education. "

Cité finally asked them whether they had checked all the conditions mentioned just now before deciding on this apartment? The question made Watanabe couple speechless, and they obviously hadn't thought about these problems at all.

The potential hiding of double-salary loans

When the boss asked the part of the mortgage, the small room plan explained: "The current housing loan interest rate is likely to continue to rise. At this interest rate level, the loan amount should be controlled within 7 times the annual income. But you have 18 million yuan. The loan of 0 million yen clearly has exceeded the reasonable range. In this way, assuming that future income does not continue to grow, the risk is very high. "

In addition to housing loans, if you purchase an apartment, and manage the fees and repair funds, the monthly housing sales will expand to 1.5 times the current one. Considering that children's sales starts, if one of the couple is sick or unemployed, the consequences will be unbelievable.

Komu also points a double-paying loan problem: "For high-income couples like you, if one of them encounters a sudden situation, the other's burden will increase. The most serious risk is when divorce: when you are divorced, only one party may have to continue to bear the debt, and even if you want to sell the property, there will often be a situation where the house is "far less than the loan balance", which will lead to the failure to sell the house."

Hearing this, Watanabe and her husband were in close contact. These risks have never been mentioned before by non-movement companies. Only now can you deeply understand the importance of professional opinions. Finally they claimed to reconsider the matter of buying a house. After the child is born, if you decide to buy a house again, you will come to do a consultation again.