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홍차넷
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티타임
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- 다양한 주제에 대해 자유롭게 글을 작성하는 게시판입니다.
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전체기타일상/생각꿀팁/강좌방송/연예도서/문학영화의료/건강문화/예술경제생활체육과학/기술철학/종교정치요리/음식역사여행육아/가정IT/컴퓨터음악창작게임스포츠사회오프모임
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| Date |
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 53 22/05/19 22:18:28 Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 56 |
| Name | Leeka |
| Subject | 집을 안사본 분들에게 적는 여러가지 이야기 |
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금리가 쭉쭉 오르고 빅스텝을 하네 마네.. 하는 시점에선 애매하긴 한데 어차피 평생 임차인으로 살게 아니라면. 일반적으로 실거주 주택을 마련하는 타이밍이 오는 만큼. 주저리 주저리 해보자면 #1 - 실거주를 통해 얻는 금전적인 이득 실거주의 최대 장점은 내가 원할 때 이사를 갈 수 있다. 두번째 장점은 뭐 벽걸이 TV도 하고, 인테리어도 하는.. 내 스타일에 맞게 집을 어느정도 꾸밀 수 있다. 개인적으로 이 2가지 장점은 '직장이 어느정도 고정된 위치' 에서 긴 시간 다니게 될 분들에게는 큰 장점이라고 생각합니다. 예를 들면 뭐 내가 구청 공무원이야!!.. 이러면 안때려치면 긴 시간 붙박이가 되는거고.. 내가 판교쪽 IT 회사를 다녀!! 이러면 이직을 해도 그 반경내에서 고를 회사가 많기 때문에 직장의 위치는 어느정도 고정되는 셈이고? 이런 케이스들이라면 이사 이슈 최소화에서 오는 장점이 적지 않다고 생각하긴 합니다. 이사 하는데 드는 비용 (이사비, 복비, 꾸미는 비용 등등) + 집을 알아보고 이사 일정 맞추고 하기 위해 쓰는 긴 스트레스와 신경쓰는 시간등.. 이 안나가기 때문에! 이사 횟수를 확 줄일수 있다는거 자체가 가져오는 이득이 전 적지 않다고 생각하는 쪽입니다. 단지 '직장 위치가 안정적이지 않다면'. 또는 이직하면 다른 위치로 갈 확률이 꽤 있다면.. 패스 #2 - 주담대에 대한 이야기 주담대를 받으실때는 '30년동안 갚아' 가 포인트가 아니라 '한달에 그래서 얼마 내야 되나?' 가 포인트입니다. 예를들어서 집을 사는데 한달에 원금+이자 합해서 100만원을 매달 내야 한다고 치면 '여기서 내가 전세나 월세를 살았을 때 내야 되는 돈이 40만원이라고 가정했을 때' . 집을 사서 추가로 내는 비용은 실질적으로는 매달 60만원. 이라고 계산하시면 됩니다. 30년동안 갚아?.. 는 크게 생각할 필요가 없는게 일반적으로 주담대는 내가 30년 납부해서 갚는 대출이 아니라 '이사할때 집을 팔아서 남은걸 다 갚고, 새로 주담대를 받는' 다고 생각하셔야 되는 대출이라.. 왠만한 사람은 한 집에 30년 안삽니다.. 즉 애초에 갚는 시점은 내가 그 집을 팔때.. -.-; 갚는거지 그 전엔 안갚는 대출임.. 보통 집을 살때 가장 큰 장벽이 대출을 3억이나 받아? 5억이나 받아? 언제 갚아? 인데 이 개념을 '집을 사서 매달 내는 돈 - 전/월세 살았을때 매달 내는 돈' = 실제로 집을 사서 매달 추가로 내는 돈으로 바꾸셔서 현재 임차인으로 사는 상태에서 '얼마정도를 더 내도 생활에 문제가 없는지' 계산하시고 감당 가능한 선으로 맞추시면 됩니다.. #3 정리 실제로 집을 사서 매달 더 내는 돈이 한달에 50만원을 더 낸다고 가정시 1년이면 600, 2년이면 1200만원을 더 내는 셈인데요. 세입자일때 2년뒤에 이사하게 된다고 가정하면. 2년뒤에 이사비 + 복비로 일단 몇백 나감.. + 집 알아보고 나가는 시점 맞추고 대출 맞추고 문제없는 집인지 확인하고 휴가 쓰고 등등.. 에 대한 비용을 돈으로 하면 또?!?! 이 개념으로 생각해보시면.. 이 지역에서 긴 시간 살 수 있겠다. 싶은 시점에서의 실거주 1주택은 그렇게 비싸지 않습니다.. +@ 2년전에는 이 내용 + 지금 금리 우대 못받아도 30년 2%대 고정이고.. 우대 받으면 30년 1%중후반 고정인데.. 실거주로 무조건 사!! 라고 했었는데 지금은 금리가 4% 돌파하셔서 사실 쉽게 말은 못함... Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 133 Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 146 Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view.php on line 161 12
이 게시판에 등록된 Leeka님의 최근 게시물
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Warning: Use of undefined constant name - assumed 'name' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 644
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/view.php on line 646
Warning: Use of undefined constant HTTP_HOST - assumed 'HTTP_HOST' (this will throw an Error in a future version of PHP) in /home/redtea/html/pb/cmt_replace.php on line 3
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 6
Warning: Use of undefined constant file_name - assumed 'file_name' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 28
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 65
173569 class="iamcmt" style="display:none;"> Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 66
173569 class='vcm '>
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 70
Warning: Use of undefined constant x - assumed 'x' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 71
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 76
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 117
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 118
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 119
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 120
Warning: Use of undefined constant ismember - assumed 'ismember' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 121
173569'> copin
Warning: Use of undefined constant mod_date - assumed 'mod_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 133
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 134
수정됨
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 140
Warning: Use of undefined constant reg_date - assumed 'reg_date' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 142
22/05/19 22:35
173569>삭제 주소복사
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 150
저는 공기업 다녀서 순환 있고
근무는 오지에서 하는데
취업 전까지는 서울에 평생
살았고 지금도 매주 서울 가는데
주말만 있자고 서울에 집사기엔
부담이 너무 크네요
직장 근처 월세 전세만 살아보고
서울에 빌라라도 살까 하는데 무섭..
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
1
근무는 오지에서 하는데
취업 전까지는 서울에 평생
살았고 지금도 매주 서울 가는데
주말만 있자고 서울에 집사기엔
부담이 너무 크네요
직장 근처 월세 전세만 살아보고
서울에 빌라라도 살까 하는데 무섭..
Warning: Use of undefined constant level - assumed 'level' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 158
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 166
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant password - assumed 'password' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 168
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 172
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant no - assumed 'no' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
Warning: Use of undefined constant vote - assumed 'vote' (this will throw an Error in a future version of PHP) in /home/redtea/html/a_skin/bbsd/view_comment.php on line 173
1
173569>
173569>
