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question regarding first house
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TSchinti
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 Nov 27 2017, 03:03 PM, updated 9y ago
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hi guys, me and my gf planning to get a house soon. i would like to ask lets say we are to get a 500-600k house together, how much saving should we have to be safe in case anything happen to one of us like suddenly got fired from work or something.
i have been asking few of my frens tht bought a million dollars house as well as my colleagues but they all said no need worry, just loan and buy with zero saving in their bank coz nowadays got full loan which i think its a very bad decision or way to buy a house
This post has been edited by chinti: Nov 27 2017, 03:04 PM
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TSchinti
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Nov 27 2017, 03:12 PM
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QUOTE(sunami @ Nov 27 2017, 03:08 PM) No saving? wow...do your friends feel secure... for me hell no! keep at least 10-15% of your nett income... u wont know when u need the money! yea they all told me zero saving due to full loan. i wont feel secure as well to buy a house without any saving wat i calculated the other day is to be on the safe side i need to hv at least 25k saving which i wont b touching them unless emergency |
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TSchinti
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Nov 27 2017, 03:20 PM
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QUOTE(nebula87 @ Nov 27 2017, 03:14 PM) I think you need to save 6 months of your house monthly installment to be safe. and your friend probably talk big (tokok) only. QUOTE(sunami @ Nov 27 2017, 03:15 PM) IMO.... your saving(inclusive of all installments and pocket money) need to allow your to be jobless for 1 year min... that's for me..  yea i calculated based on 6 months as well. mayb should increase to 1 year to b safe |
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