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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 |
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| Name | cummings |
| Subject | 정규직보다 계약직 월급이 많아야하고, 전세는 집값보다 비싸야 한다. |
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동일노동과 동일 조건을 감안할 시에 정규직은 계약직에 비해 고용안정성 및 향후 임금 상승과 퇴직금의 부문에서 큰 메리트가 있습니다. 회사입장에서도 정규직을 쓰는 것에 비해서 계약직을 쓰는것이 업무량의 변화나 사회의 변화에 유동적으로 대처할 수 있기 때문에 저는 장기적으로 계약직 업무의 월급이 훨씬 더 늘어나야한다고 생각하고 계약직 월급이 오른 이후에야 고용의 유연성을 언급 해 볼수 있다고 봅니다. (현재의 정규직 과 계약직 처우 차이를 생각하면 미국처럼 직원을 사장 맘대로 자를수있는 자유같은게 있으면 안되죠) 전세와 매매도 마찬가지입니다. [집값이 더이상 오르지 않는 세상이 온다면] (현실에서도 소멸되어가는 지방 중소도시의 주택들이 있죠) 전세 거주비용 = 전세 맡기는 금액의 이자수익 + 돌려받지 못하는 risk 두가지만 내면 떠나고싶을때 언제든 돈을 돌려받아 떠날수 있게됩니다만 (반대로 원치않을때 떠나야 할 risk도 있습니다만 인구유출 및 감소되는 곳에서 누가 살던사람 밀어내고 들어올까요...) 매수 거주비용 = 매수 금액의 이자수익을 내는것은 전세와 동일하고, 내가 원할때 매도할수 없는 risk도 동일하지만 거기에 더해서 +@로 (5억 아파트, 34평 공시가격 3.5억 기준으로 계산하면) - 취득시 취등록세 : 550만원 - 매년 재산세 : 대략 년 70만원 - 수선비용 : 보일러 고장, 도배 등의 1회성 수선비용 + 장기수선충당금 대략 매달 1.7만원, 년20만원 - 감가상각으로 인한 아파트 가격 하락 만큼을 추가로 부담해야합니다. 현재까지는 집값상승의 기대치가 +@의 비용보다 크며, @ 이상으로 집값이 상승하였기에 추가로 갭비용(매매-전세차)을 주고라도 집값 상승의 과실을 먹고자하는 투자자들이 많았지만 [집값이 오르지 않을것이다.] 라는 명제가 사람들 머릿속에 박히는 순간 서브프라임때처럼 <요즘 누가 집 사나, 전세살면 되지> https://news.mt.co.kr/mtview.php?no=2013070916080685358 가 되고, 전세가 상승과 매매가 하락이 생기겠죠. 물론 정말 그러한 때가 오면 투자자가 빠진 주택시장의 매매가는 지금보다 더 낮을겁니다만 세금만 먹는 골칫 덩어리 주택을 매수하기보다는 차라리 비싼 가격의 월세를 택할겁니다. 그런 세상이 온다면 지방자치 세수의 30%를 차지하는 취등록세가 없어지면 지방에 돈이 없으니 거주환경은 더 나빠질거구요. 매수자가 안생기니 주택경기도 나빠지고, 지방에 건설사들마저 문닫고 나가면 일자리도 없어지는 악순환이 자꾸자꾸... 어쨌든 일반적인 정부가 경기를 살리는 제일 좋은 방법은 건설경기 부양이고 멀리는 뉴딜정책, 가까이는 중국의 부동산이나 토목공사는 없다던 문재인 정부의 예타면제처럼 부동산 경기는 정부가 원하든 원치않든 다시 부양하게 될 겁니다. 그러니 집이든 땅이든 언젠간 살 수 있도록 미리미리 준비를 합시다! ps : 이 글은 제가 어린시절 단기간 지낼거라며 2000만원짜리 원룸 매수 대신 25만원 월세 살다가 집값만큼 월세 내 본 경험을 바탕으로 작성한 뻘글입니다.... 대출을 내든 집안에 손을 빌리든 진작 샀었으면OTL ps2 : 글 주제가 산을넘고 물을건너 알수없는 이상한 나라로 가버린것 같은데, 똑똑한 홍차넷 어르신들은 대충 다 이해하셨을거라고 생각하고 질문은 받지 않겠습니다. (찡긋!) 반론이나 첨언은 언제든 환영합니다. 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 3 이 게시판에 등록된 cummings님의 최근 게시물
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180738 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
180738 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
180738'> Beer Inside
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 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
22/12/29 15:02
180738>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
맞는 말이지요.
집값이 상승하지 않는다면.....
집주인이 전세를 집값보다 싸게 책정하는 이유는 레버리지를 위한 수수료 같은 것이라고 생각해야지요.
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
2
집값이 상승하지 않는다면.....
집주인이 전세를 집값보다 싸게 책정하는 이유는 레버리지를 위한 수수료 같은 것이라고 생각해야지요.
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
2
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