有必要幫忙付房貸嗎? - 婚姻
By Queena
at 2011-09-07T14:33
at 2011-09-07T14:33
Table of Contents
當王子很受寵 所有人都寵愛他 因此不需要擔當責任
自然有城堡 有孩子 所有好處都有 可謂人生勝利組
至於要請王子 從他的2萬月薪中 花一萬來家用 一萬來付房貸
度過畢業和待業的幾年 撐下去的耐力有?
一家三口家用的一半 能壓到一萬元嗎? 小孩的保母費多少?
叫王子從2萬生活水準 降低至1萬生活水準 並且養個小孩
太委屈王子了吧 王子都不王子了............................
以前的房子父母負責 之後的房子和小孩 妻子負責 很正常的事情
王子就是要過這樣的人生
王子天生下來就是要過爽爽 偶爾會感嘆一下人生充滿挫折
不用辛苦的奮鬥 五子自然登科 科科
王子很認命 所以總是跟能寵愛他的人 在一起
※ 引述《twoapple (我會一直都記得...)》之銘言:
哈囉,大家好,目前遇到了一些房貸的問題 想上來請教大家,請大家幫忙給意見.
-------------------------------是由-------------------------------
目前從事科技業,月薪約50k,先生在念博士每月約20k,育有一女(1y6m)
去年買下了預售屋,最近要準備交屋了,所以遇到了房貸的問題
問題1.房屋登記在先生名下,那太太需要幫忙負擔房貸嗎?
買房前,婆婆跟我說之後買了房子會登記共同擁有,不會像有些婆婆把媳婦當外人,
當時我很感激,但是去年決定買房時,婆婆卻跟我說:希望我能體諒一個當媽媽的心情,
想要送給兒子一間房子當禮物,登記者為先生,希望我能諒解.
我別無選擇,笑笑的點頭說好.
婆婆並陳諾會負責頭起款在另外給我們200萬的資金,但是在某一次的繳款時,婆婆手邊沒
有現金(被外幣套牢了),所以由我們先付並說之後會捕給我們,但是到了下一次需要繳款時
,再次告知婆婆,婆婆卻又改口說:現在手邊沒錢,之前我們先付的部份無法償還了.
我們也只能笑笑的說好
問題2.目前我和先生的年收入並不高,無法談到較好的利率,且貸款的話需要有擔保人,
我應該要當那個擔保人嗎?
問題3.銀行說如果借款人是我的話,會有較低的利率,這樣我應該要當借款人嗎?
(但是房屋的登記人還是先生)
--------------------------------------------------------------------------
原先,我的想法是房貸的部份我會先負擔50萬,剩下的每個月的費用(約2萬5)也先由我來支
付,直到先生畢業為止
但是又想想 房屋的登記人不是我,想請問若是大家的話,會幫忙付房貸嗎?
加上最近婆婆又一直要我懷孕生男生,讓我覺得很煩,都沒錢了還要生小孩 ><
謝謝大家看完我的問題,也聽我吐口水,請大家幫忙給意見.
--
--
自然有城堡 有孩子 所有好處都有 可謂人生勝利組
至於要請王子 從他的2萬月薪中 花一萬來家用 一萬來付房貸
度過畢業和待業的幾年 撐下去的耐力有?
一家三口家用的一半 能壓到一萬元嗎? 小孩的保母費多少?
叫王子從2萬生活水準 降低至1萬生活水準 並且養個小孩
太委屈王子了吧 王子都不王子了............................
以前的房子父母負責 之後的房子和小孩 妻子負責 很正常的事情
王子就是要過這樣的人生
王子天生下來就是要過爽爽 偶爾會感嘆一下人生充滿挫折
不用辛苦的奮鬥 五子自然登科 科科
王子很認命 所以總是跟能寵愛他的人 在一起
※ 引述《twoapple (我會一直都記得...)》之銘言:
哈囉,大家好,目前遇到了一些房貸的問題 想上來請教大家,請大家幫忙給意見.
-------------------------------是由-------------------------------
目前從事科技業,月薪約50k,先生在念博士每月約20k,育有一女(1y6m)
去年買下了預售屋,最近要準備交屋了,所以遇到了房貸的問題
問題1.房屋登記在先生名下,那太太需要幫忙負擔房貸嗎?
買房前,婆婆跟我說之後買了房子會登記共同擁有,不會像有些婆婆把媳婦當外人,
當時我很感激,但是去年決定買房時,婆婆卻跟我說:希望我能體諒一個當媽媽的心情,
想要送給兒子一間房子當禮物,登記者為先生,希望我能諒解.
我別無選擇,笑笑的點頭說好.
婆婆並陳諾會負責頭起款在另外給我們200萬的資金,但是在某一次的繳款時,婆婆手邊沒
有現金(被外幣套牢了),所以由我們先付並說之後會捕給我們,但是到了下一次需要繳款時
,再次告知婆婆,婆婆卻又改口說:現在手邊沒錢,之前我們先付的部份無法償還了.
我們也只能笑笑的說好
問題2.目前我和先生的年收入並不高,無法談到較好的利率,且貸款的話需要有擔保人,
我應該要當那個擔保人嗎?
問題3.銀行說如果借款人是我的話,會有較低的利率,這樣我應該要當借款人嗎?
(但是房屋的登記人還是先生)
--------------------------------------------------------------------------
原先,我的想法是房貸的部份我會先負擔50萬,剩下的每個月的費用(約2萬5)也先由我來支
付,直到先生畢業為止
但是又想想 房屋的登記人不是我,想請問若是大家的話,會幫忙付房貸嗎?
加上最近婆婆又一直要我懷孕生男生,讓我覺得很煩,都沒錢了還要生小孩 ><
謝謝大家看完我的問題,也聽我吐口水,請大家幫忙給意見.
--
--
Tags:
婚姻
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