ネイティブの英文で英語表現を覚えよう！017　住宅ローンについて

単語リスト
Completing this month and very nervous I’ve over stretched
回答者１

単語リスト

キーワード	発音記号 (IPA)	意味
£1.8k monthly cost	/wʌn pɔɪnt eɪt keɪ ˈmʌnθli kɒst/	月々1800ポンドの費用
My and my wife’s total take home	/maɪ ænd maɪ waɪfs ˈtoʊtəl teɪk hoʊm/	私と妻の合計手取り
as much	/æz mʌtʃ/	同じくらい、それだけ
was made redundant	/wɒz meɪd rɪˈdʌndənt/	人員削減された、解雇された
had to look elsewhere	/hæd tuː lʊk ˈelswer/	他の場所を探さなければならなかった
pay down	/peɪ daʊn/	（借金などを）少しずつ返済する
back out	/bæk aʊt/	手を引く、撤退する、約束を破る
Don’t get hung up on the what ifs	/doʊnt ɡet hʌŋ ʌp ɒn ðə wɒt ɪfs/	もし～だったらとくよくよ悩むな
downsize	/ˈdaʊnsaɪz/	縮小する、規模を小さくする
doable	/ˈduːəbəl/	実行可能な、できる

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Completing this month and very nervous I’ve over stretched

£365k mortgage at 3.8% = £1.8k monthly cost for 25 years. Mid 40s with 2 kids still in school.

My and my wife’s total take home is £4.3k per month. My salary is £73k but I’ve been adding as much to my pension to keep me below the £50k tax threshold.

If I was made redundant and had to look elsewhere I’d be on around £35k – my salary is very specific to my employer, it’s something I am learning now.

We wouldn’t have much left over each month.

We have £130k in savings and investments. I thought I’d keep it invested and then pay down after 5 years but everthing is making me very nervous. We exchange and complete next week, and can’t really back out now.

回答者１

Your salary is v close to ours, but our mortgage is £1940 and we fixed it for 5 years.

Don’t get hung up on the what ifs, if you had to you could downsize ultimately, it’s doable. Sounds like you have a huge chunk of savings to play with as well so well done you!