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简是一家合资公司的中层管理人员,月收入稳定在5000元左右,年终有1万元奖金。先生是自由职业者,他和朋友合伙开的公司还未开张,如顺利,年底可获10万元分红。简和先生的孩子大约在两个月后出生,现在俩人有16万元定期、14万元活期存款,1万元股票。他们去年将结婚时父母给的一套住房卖掉获得28万元现金,又从日常积蓄中拿出一些钱买了价值75万元的房子,其中首付35万元,银行贷款40万元,每月偿还银行2800元。目前,“准爸爸”和“准妈妈”想投资一处房产:此房总价值90万元,想采用首付20％,按揭30年贷款买下它,月还款额在4000元左右,请问这种投资可行吗?
Jane is a middle-level management staff of a joint venture company, monthly income stable at 5,000 yuan, the end of 10,000 yuan bonus. Mr. is a freelancer. The company he and his friends have opened is not yet open. If successful, he will get a bonus of 100,000 yuan by the end of the year. Mr. Jane’s child was born about two months later, and now the two have 160,000 yuan on a regular basis, 140,000 yuan demand deposits, 10,000 yuan of shares. Last year, when they married, they sold a set of housing for their parents for 280,000 yuan in cash and took some money out of their daily savings to buy a house worth 750,000 yuan, of which 350,000 yuan was down-payment and 400,000 yuan was for bank loans. Month repayment bank 2800 yuan. At present, “prospective father ” and “mothers ” want to invest in a property: this room a total value of 900000 yuan, want to use the down payment of 20%, 30 years loan mortgage to buy it, the monthly repayment of 4,000 yuan So, is this investment feasible?