The most important thing need to keep in mind when buying your first house is your affordable budget. This is because most important thing when come to buying a property is “Money”, rather “with house with cash” and “no house with cash”, are not “with house but no cash” or worst to worst is “no house no cash”. Everyone need to avoid buy a house and turn your status into a “with house but no cash”, that’s the reason why you need to understand how much you are able to afford.
Here is a simple formula to find out your property purchase budget:
property purchase budget = annual household income * (3-6 times) + rich dad rich mum financial support
Example: a young couple’s total household average annual income is 100,000, financial support from rich dad and rich mum is 200,000. So the maximum budget to buy a house for the couple capped calculate as per following:
100,000 * 6 + 200,000 = 800,000
With house with cash = Good
No house with cash = Good
With house but no cash = Bad
No house no cash = Bad
买第一间房子，请牢记只看预算内的屋子！因为买屋子最重要的是“钱”，宁可“有房有钱”及“没房有钱”，都不要“有房没钱”及“没房没钱”。想避免买房后陷入“有房没钱”，就得认清自己可以负担的预算了。
这里有个简单的买房预算公式：
买房预算 = 家庭年收入 * （3-6倍） + 富爸爸富妈妈补助
例子： 年轻上班族夫妻的家庭总年收入平均 100,000, 富爸爸富妈妈又愿意补助 200,000，这一对夫妻的买房预算顶限是：
100,000 * 6 + 200,000 = 800,000
有钱有房 = Good
没钱有房 = Good
有房没钱 = Bad
没钱没房 = Bad