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最近はキャッシュレス化が進み、スマホだけでお出かけすることも増えましたよね
肩掛けストラップを付けて、バッグのようにスマホを持っていたり、何かと財布より人前で使うことが多いスマホ。会社用と個人用で2台持ちの人も多いのでは?
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ContinuePosted by dnna mayugh on September 20, 2024 at 5:05am 0 Comments 0 Likes
One must indulge in home ownership that makes him feel safe and secure financially.No one wants to buy a house which is beyond their budget. Take the decisions of buying a house on the basis of current and future personal and financial goals.
Think of some of the major life events that might take place. You might enroll yourself in a course or a relative has planned to stay with you for a couple of days.
Based on these reasons here are some ways suggested by Eamon Lowe Gold Coast that can help you determine how much mortgage you can afford:
Prepare a detailed budget: The old thumb rule says you can buy a home two or three times more than your gross income. This is not the best method as you are not keeping your monthly expenses and debts into account. Make a list of the monthly expenses and money left can be used in buying a property.
Factor in your downpayment: Plan your downpayment in a way that it doesn’t hamper your monthly expenses. Save 20 per cent of your monthly income and choose an amount that you can afford.
Consider overall debt: Lenders generally follow 43 per cent rule. Everything including the home loan payment and bills should not exceed 43 per cent of your gross income.
Keep these aspects in mind to know the affordability of the home loan. Buy property within your budget and requirement under the guidance of Eamon Lowe Gold Coast
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