첫 주택 구입자: 계약금 결정 및 전략

### 첫 주택 구매자로서 현명한 결정 내리기: 계약금, PMI 및 투자 기회의 균형 맞추기
* 💰 첫 주택 구매자는 주택에 **3~5% 정도의 초기납입금**을 내면 되지만, 초기납입금을 결정할 때는 개인의 재정 상황과 목표를 고려하는 것이 중요합니다.
* 🏠 일반적으로 총 주택 비용(모기지, 세금, 보험료 포함)이 **총 소득의 25%를 초과하지 않도록 하는 것**이 원칙이며, **3~5% 옵션이 이 기준을 초과하는 경우 계약금을 더 많이 지불해야 할 수도 있음**니다.
* 🔢 대출기관이 개인 모기지 보험(PMI)을 청구하지 않는 경우, 계약금이 낮은 경우 **PMI가 없는 대신 이자율에 프리미엄**이 붙을 수 있으므로 관련된 장단점을 이해하는 것이 중요합니다.
* 🔄 특히 젊고 투자 기간이 긴 경우, **주택에 더 많은 돈을 투자하는 것과 다른 곳에 투자하는 것의 기회 비용**을 고려하세요.
* 📊 " 일반적으로 젊은 사람이 모기지를 일찍 상환하고 계약금을 많이 내는 것은 **나이가 좀 더 많은 사람보다 정당화하기 어렵습니다.**"
* ⚖ 부채와 관련된 위험과 저축과 투자를 통해 부를 쌓지 않을 때의 위험, 특히 **재무 결정의 장기적인 영향을 고려할 때 균형**을 맞추는 것이 중요합니다.
* 🔍 " 기회 비용과 내 돈을 가장 잘 활용할 수 있는 방법이 무엇인지 **스스로 평가**해야 합니다.
* 📚 "백만장자 미션" 및 "부의 승수"와 같은 리소스를 활용하여 **주택 구매 및 전반적인 재무 전략**에 대해 스스로 교육하고 정보에 입각한 결정을 내릴 수 있습니다.

퀸은 자신의 재정적 미래를 극대화하기 위해 더 큰 계약금의 이점과 잠재적 투자 기회를 비교 검토해야 합니다.

[Music] okay, Quinn's question is up next. Ready for it? It says, I'm on step seven of the Foo. I'm a first-time home buyer. I know I don't have to put more than 5% down on the home, but if I can, how much should I? My lender doesn't charge PMI. Does that change things? And then he added some context, I can do 12% down payment, but that would require selling brokerage investment. So, there's a few things there. I think the overall concept of like, If I can put more than 5% the first time, should I? And then he's got some unique things with the PMI and selling things from the brokerage account. How old is Quinn? Ah, he didn't say. Quinn, if you're out there, let us know, and we'll let them know. Let me kick this one off a little bit, Bo, because there's some variables that Quinn, you, this is, it's back to that personal finances, that there's things that go into it. The 3 to 5 was to

give you access to the house. Um, because the market has been running away from people, interest rates are high, so congratulations that you're actually, you have enough assets that you looks like you're going to be able to go beyond the 3 to 5%. So now we have to say what are you giving up when you make those decisions. And one thing I'll tell you because you said something that triggered a little bit in me. You said there's no PMI with my lender. Usually, I just want you to think about what you just said is because when you deal with anything financial, nothing's free. There's usually a cost. And this is something you have to figure out is that, um, you know, there's probably a premium in the interest rate if they're not having PMI, if you're putting down less than 20%. So you need to ask that question. What would be my interest rate if I did put down more? Because 26, by the way, yeah, so that's incredible, by the way.

huge things here going on for Quinn. So, I want you to sharpen your financial mutant skills. So, when people tell you, Hey, this is going to be, there's no PMI expenses, you ought to say, Well, wait a minute. I know nothing's free, so what am I having to give up? Because everything is an incremental decision. You're at a fork in the road moment. How do we maximize this small decision to build this great big beautiful thing that I'm trying to build for the future? So, sharpening up those things, and PMI is part of that, interest rates part of that, down payment, and then setting yourself up for future self is part of that. They all balance each other nicely 'cause there's many, many paths to success. Yeah, so we have some home buying rules when it's time to buy a home. Obviously, one of the things to say is you only have to put down 3 to 5% on your first home. We want you to make sure that you're in the home for at least 5 to

seven years. But then there's this third part. We want to make sure that your total housing costs do not exceed 25% of your gross income. Well, if only putting down 3% causes that mortgage and, you know, principal, interest, taxes, and insurance to be more than 25%, then you might have to put more down to get that number down. So, you need to put down at least as much to make sure that your mortgage payment is not greater than 25%. Okay, once you've done that math, the very next thing you need to do is you have to do a personal opportunity cost assessment because that's really what you're navigating here. And you got to think about if I'm going to deploy dollars, if I'm going to put dollars to work for me at 26 years old, is it more advantageous for me to put a larger down payment down on the house and I'm going to save whatever my mortgage rate is right now. So, if it's 7%, 7.2%, whatever that number is for you, is

that going to be the best use of those additional dollars, or might it be better for me to take those additional dollars and go put them to work, go have them working for me outside in my Army of dollar bills? And you'll have to make that assessment based on where you are in your financial journey. For a young person, generally speaking, paying down the mortgage earlier, putting a larger down payment, is a harder thing to justify than for someone who's a little bit older. Even though interest rates are high now, the argument that I'd make is I think that at some point in the future, I don't know, 3 years, 4 years, 5 years, there will probably be an opportunity for you to refinance that mortgage down to a lower, more reasonable rate if it's super high right now. What you won't be able to do three, four, five years in the future is go back and get those five years that you missed putting those dollars to work. So, you have to do the assessment for yourself around opportunity cost and what's the best use.

of my dollars, and when you talk about opportunity cost, there's also risk. Sure, that comes into play, and Bo is exactly right, because I think a lot of people get this risk element wrong when they're thinking about mortgages, especially for young people. There's just like there's a risk that debt is dangerous, without a doubt. Debt is dangerous, but there's also a big risk, because if you look at the majority of Americans, they just don't become wealthy. A lot of times, it's a behavioral thing that they don't save, they don't invest, and they don't build. So, there's a risk that you never start saving and investing in building that army of dollar bills that work harder for you than you can with your back, your brain, your hands. But then, once you're successful, and this is why when I talk about paying down mortgages post-45, there stay wealthy behaviors. So, when you're trying to handicap the risk, whether it's the risk of debt, whether it's the risk of building wealth, that's

why when Bo talks about incremental decision or opportunity costs those things all it's a decision you're moving you're you have a balloon here of risk reward and you're squeezing it and there's usually a give and take and you just have to balance that journey to maximize what your risk profile is what your goals are and what you can do to maximize your financial life you only get one so you better make sure you're doing it right I just don't want you to have regrets 20 years from now so take all this into account consider even using resources like millionaire Mission or even going and checking out our wealth multiplier Bose's already laid out the the home buying checklists all that is going to help you make the right decisions and help you be educated as you're figuring this all out.

How Much Should My Down Payment Be? (5% or 12%)

Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life.

Subscribe today to stay up to date with our latest episodes, livestreams, and highlight videos: https://www.youtube.com/c/MoneyGuyShow?sub_confirmation=1

Are you ready to go beyond common sense when it comes to your money? Check out all the free resources The Money Guy Show provides: https://moneyguy.com/resources/



The Money Guy Show

첫 주택 구매자인 퀸은 5% 이상의 계약금을 고려하고 있지만 대출 기관에서 PMI를 부과하지 않기 때문에 계약금을 지불해야 할지 확신이 서지 않습니다.

그는 중개 투자를 통해 12%의 계약금을 지불할 수 있는 옵션이 있습니다.

이 토론에서는 PMI가 없을 때 발생할 수 있는 잠재적 비용과 계약금이 이자율에 미치는 영향을 이해하는 것이 중요하다는 점을 강조합니다.

Quinn은 재정적인 기술을 연마하고 특히 PMI와 계약금에 있어 공짜는 없다는 것을 인식하도록 권장합니다.

주택 구매 규칙에 따르면 계약금은 3~5%, 주택 거주 기간은 5~7년, 총 주택 비용은 총소득의 25% 미만으로 유지해야 합니다.

계약금과 모기지 이자율을 결정할 때는 개인의 기회 비용을 평가하는 것이 중요합니다.

여분의 달러의 최선의 활용 평가

모기지를 갚을지, 여윳돈을 투자할지는 각자의 재정 상황과 연령에 따라 결정해야 합니다.

현재 높은 금리는 향후 재융자 기회로 이어질 수 있으므로 자금의 우선순위를 정하는 것이 중요합니다.

저축과 투자를 하지 않을 경우 자산 형성에 방해가 될 수 있으므로 부채의 위험과 자산 형성을 시작하지 않을 경우의 위험을 모두 평가하는 것이 중요합니다.

재무 의사 결정에서 위험과 보상의 균형 맞추기

Bo는 위험과 보상을 관리할 때 점진적인 결정과 기회 비용의 중요성을 강조합니다.

그는 재무 목표를 극대화하고 미래의 후회를 최소화하기 위해 이러한 요소의 균형을 맞추는 것이 중요하다고 조언합니다.

백만장자 미션과 부의 승수와 같은 리소스와 주택 구매 체크리스트는 정보에 입각한 결정을 내리는 데 도움이 될 것입니다.