這樣的經濟狀況適合結婚嗎 - 婚姻

By Delia
at 2021-04-21T00:19
at 2021-04-21T00:19
Table of Contents
我覺得單就原po給的資訊完全可以。
目前一個月收15萬,因為原PO是說月收,所以我想這還不含年終等等,
固定支出是25000的房租+15000的父親費用+5000女方孝親費
也就是45000,換句話可支配的金額大概是105000,建議可以把房租減少至2萬、父親的開
支是包含還卡債嗎?
如果是,那應該先用兩人合計60萬的存款,先把20萬的車貸及卡債還清,然後女方家裡既
然那麼有錢,孝親費基本上可以溝通先暫停。
這樣一個月的可支配薪資變成105000+減少房租5000+減少的孝親費5000+減少卡債的還款
金額,就算12萬整好了。
這些日子省吃儉用一點,一個月花費壓在5萬內,可存下7萬,一年就是84萬,3-5年就是
252-420萬,取中間值330萬好了。
付頭期款綽綽有餘,你們一定符合首購,900萬的房子扣掉250萬(剩下的留身上),貸款
650萬,30年期每月大概22000。
假設你們這五年薪資都不成長,這時候你們的收入應該是變成10萬,然後固定支出變成,
1. 房貸22000
2. 父親開支10000
3. 女方孝親 5000
總計37000
10萬-37000=63000每月可支配薪資。
男方35、女方33,每月可支配6萬多,戶頭裡還有近百萬存款,這還不包含父親的老人年
金、男女雙方的年終獎金。
這時候父親也已經近80歲,說難聽一點,也花不到什麼錢,現在長照2.0一個月自付額100
00
算很ok了。
這樣的狀況如果肯定是可以過生活的吧?怎麼會不能過生活??甚至取消孝親費,
來養育一個孩子都可以。
我們家扣掉房貸,兩大一小一個月大概就是5萬左右,板上大家對於經濟條件太嚴苛了吧
。
※ 引述《yayaya123 (yaya)》之銘言:
: 婚前身分:B.半年內會結婚
: 記者勿抄。記者勿抄。記者勿抄
: 男方30歲
: 每月正職月收5萬,這兩年有多一份兼職5萬(兼職不是長久,頂多再做三五年就沒有這
份
: 收入了),存款30萬
: 家裡沒有房子,跟父親住在租屋處
: 房租一個月25000,車貸20萬
: 父親70幾歲,沒有存款,都是靠男方養,有卡債20幾萬,父親開支一個月約15000左右
: 我是女方,28歲
: 每月收入五萬,存款30萬
: 沒有負債
: 女方家裡有一間房,媽媽自住,家裡經濟狀況不錯,每個月女方給家裡孝
: 親費5000
: 兩人在台北工作,住新北
: 交往五年多,同居三年多(女方跟男方和男方父親一起住租屋處)
: 女方幫忙負擔租屋處的水電瓦斯雜支
: 非常穩定也很愛彼此,最近在討論結婚的部分,不打算生小孩
: 女方家雖然覺得男方經濟狀況不是很好,沒有到非常贊成這門婚事,但認為女方自己思
考
: 清楚自己要什麼就好,但女方家裡不會給資源也不會幫忙付房子頭期
: 見過雙方家長了,目前規劃是兩人三五年後存到頭期買800-900萬的中古屋。
: 婚禮也願意從簡,不想要花太多錢。
: 逛了版上有很多結婚後為了經濟不開心的例子,其實蠻怕的....
: 請問版上的各位,這樣的經濟狀況兩個人如果要結婚生活適合嗎?
--
目前一個月收15萬,因為原PO是說月收,所以我想這還不含年終等等,
固定支出是25000的房租+15000的父親費用+5000女方孝親費
也就是45000,換句話可支配的金額大概是105000,建議可以把房租減少至2萬、父親的開
支是包含還卡債嗎?
如果是,那應該先用兩人合計60萬的存款,先把20萬的車貸及卡債還清,然後女方家裡既
然那麼有錢,孝親費基本上可以溝通先暫停。
這樣一個月的可支配薪資變成105000+減少房租5000+減少的孝親費5000+減少卡債的還款
金額,就算12萬整好了。
這些日子省吃儉用一點,一個月花費壓在5萬內,可存下7萬,一年就是84萬,3-5年就是
252-420萬,取中間值330萬好了。
付頭期款綽綽有餘,你們一定符合首購,900萬的房子扣掉250萬(剩下的留身上),貸款
650萬,30年期每月大概22000。
假設你們這五年薪資都不成長,這時候你們的收入應該是變成10萬,然後固定支出變成,
1. 房貸22000
2. 父親開支10000
3. 女方孝親 5000
總計37000
10萬-37000=63000每月可支配薪資。
男方35、女方33,每月可支配6萬多,戶頭裡還有近百萬存款,這還不包含父親的老人年
金、男女雙方的年終獎金。
這時候父親也已經近80歲,說難聽一點,也花不到什麼錢,現在長照2.0一個月自付額100
00
算很ok了。
這樣的狀況如果肯定是可以過生活的吧?怎麼會不能過生活??甚至取消孝親費,
來養育一個孩子都可以。
我們家扣掉房貸,兩大一小一個月大概就是5萬左右,板上大家對於經濟條件太嚴苛了吧
。
※ 引述《yayaya123 (yaya)》之銘言:
: 婚前身分:B.半年內會結婚
: 記者勿抄。記者勿抄。記者勿抄
: 男方30歲
: 每月正職月收5萬,這兩年有多一份兼職5萬(兼職不是長久,頂多再做三五年就沒有這
份
: 收入了),存款30萬
: 家裡沒有房子,跟父親住在租屋處
: 房租一個月25000,車貸20萬
: 父親70幾歲,沒有存款,都是靠男方養,有卡債20幾萬,父親開支一個月約15000左右
: 我是女方,28歲
: 每月收入五萬,存款30萬
: 沒有負債
: 女方家裡有一間房,媽媽自住,家裡經濟狀況不錯,每個月女方給家裡孝
: 親費5000
: 兩人在台北工作,住新北
: 交往五年多,同居三年多(女方跟男方和男方父親一起住租屋處)
: 女方幫忙負擔租屋處的水電瓦斯雜支
: 非常穩定也很愛彼此,最近在討論結婚的部分,不打算生小孩
: 女方家雖然覺得男方經濟狀況不是很好,沒有到非常贊成這門婚事,但認為女方自己思
考
: 清楚自己要什麼就好,但女方家裡不會給資源也不會幫忙付房子頭期
: 見過雙方家長了,目前規劃是兩人三五年後存到頭期買800-900萬的中古屋。
: 婚禮也願意從簡,不想要花太多錢。
: 逛了版上有很多結婚後為了經濟不開心的例子,其實蠻怕的....
: 請問版上的各位,這樣的經濟狀況兩個人如果要結婚生活適合嗎?
--
Tags:
婚姻
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