服务热线：400-858-9000 咨询/投诉热线：18658148790
投融界> 问答> 创业>美国人的房贷压力有多大？普通工薪阶层平均几年能还清房贷？
问
美国人的房贷压力有多大？普通工薪阶层平均几年能还清房贷？
会员昵称：段女士 提问时间：2021/01/29
问题描述：美国人的房贷压力有多大？普通工薪阶层平均几年能还清房贷？
您还可以输入 1000 字
答
共3条回复
阚女士
回答数：47|被采纳数：0
quora上的段子。As a 22-year-old Bay Area software engineer, how can I make enough money to buy a nice house in the next 5 years?
问题的意思是作为一个22岁的湾区码农，如何才能在5年内买房。
Here's a pretty basic way to do it, while still living in reasonable comfort for the five years.
Income assumptions
You're employed as a software developerYou make $100,000/yearYou get a $5,000 annual bonus
Lifestyle assumptions
Your rent is $2,000/month or $24,000/yearYour other monthly expenses (food, utilities, going out, etc.) are $2,000/month or $24,000/yearYou contribute 4% to your 401k (under the assumption this is the minimum for an employer match)You're single and have no dependents
Given those assumptions...
Your annual pre-tax income is $105,000Your annual income after withholdings is approximately $66,500Your annual expenses are $48,000You can save $18,500/year for a house.
So if you're saving for 5 years, you'll have $92,500. If you use that as a 20% down payment, you can afford to buy up to a $462K house.
Now take that money and leave the bay area.大意思：
收入假设
应聘当码农
每年赚10w刀。
年底奖金5000刀。
生活开销
房租2000/月
水电煤及吃喝拉撒2000刀/月
每月给社保交4%
单身无妹子开销
因此
每年你睡前收入是10w5千刀
到手后就是66500刀
每年花费48000刀
每年可以存18500刀买房
所以你存5年的话，就有92500刀，如果20%的首付，你可以买一个46万2000刀的房子。
---------------------------《我是分割线》-----------------------------------
现在，拿着这笔钱，从湾区撤。到二线城市去买房。
问题的意思是作为一个22岁的湾区码农，如何才能在5年内买房。
Here's a pretty basic way to do it, while still living in reasonable comfort for the five years.
Income assumptions
You're employed as a software developerYou make $100,000/yearYou get a $5,000 annual bonus
Lifestyle assumptions
Your rent is $2,000/month or $24,000/yearYour other monthly expenses (food, utilities, going out, etc.) are $2,000/month or $24,000/yearYou contribute 4% to your 401k (under the assumption this is the minimum for an employer match)You're single and have no dependents
Given those assumptions...
Your annual pre-tax income is $105,000Your annual income after withholdings is approximately $66,500Your annual expenses are $48,000You can save $18,500/year for a house.
So if you're saving for 5 years, you'll have $92,500. If you use that as a 20% down payment, you can afford to buy up to a $462K house.
Now take that money and leave the bay area.大意思：
收入假设
应聘当码农
每年赚10w刀。
年底奖金5000刀。
生活开销
房租2000/月
水电煤及吃喝拉撒2000刀/月
每月给社保交4%
单身无妹子开销
因此
每年你睡前收入是10w5千刀
到手后就是66500刀
每年花费48000刀
每年可以存18500刀买房
所以你存5年的话，就有92500刀，如果20%的首付，你可以买一个46万2000刀的房子。
---------------------------《我是分割线》-----------------------------------
现在，拿着这笔钱，从湾区撤。到二线城市去买房。
发表
马先生
回答数：107|被采纳数：0
美国，房价压力确实不大。但房子下的土地，年年收你税。交不上税，会有专人上门问候。
其实，国外未必好...真心话。
美国宣扬的自由民主，对于有色人种完全没看出来。就业升职的歧视（尤其亚裔）特别严重。
其实，国外未必好...真心话。
美国宣扬的自由民主，对于有色人种完全没看出来。就业升职的歧视（尤其亚裔）特别严重。
刘女士
回答数：38|被采纳数：0
他们根本不想还清房贷，没必要还清，还是背着房贷睡得安稳，如果都还了，自己缺现金，活得就艰难了。
