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发表于 2004-4-18 19:22:49
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短期内, 买房比租花费多.
If you buy a new house of 300k and your down payment is 50%, you pay:
450 interest,
250 property tax,
100 gas,
100 eletricity,
20 water and wastewater,
30 hot water tank rental
50 insurance
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1000 total (without paying any of the capital)
If you keep your 150k dollars in the bank and earn 2.5% interest, you could get 315 dollars per month. So, you are paying 1350 per month. If you buy an old house and need maintenance, you may more.
if you don't borrow money from the bank, you pay:
750 per month.
买房也有不少好处:
1. 你的钱有了更多用处.
2. 你可以买画,买家具等, 可以随心布置.
3. 生活环境明显改善.
4. 长远一点,有点投资的意义.
如果你的资金充裕,工作稳定, 那就买. |
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