17/01/2018
#买房還是租房 #,您怎麼選?
幾乎每一個人都把房產置業視為最大財產目標,那麼是否买房比租房好呢?
其實,在適當的時候买房会對投資的回报有很大的影響,回报可以比其他投資,例如股票高。相反,在不适當時侯買房,会令回报減少,甚至亏损。
每個區域至少有四年的房价中位數会上升超過百分之十,但也有些時候房价中位數会不变或轻微下跌。
中央銀行在去年曾經報導房价要繼續以過去20年的速度增長,買房者的財富才可以和租房者看齐。
三個觀點提供給你,一起來分清楚買房与租房,谁好谁坏?
1) 養房的潜在成本
房屋終究是一個會折旧的產品,房子一旦過了一段時間,都需要維修,甚至有些時候祇要换房客,就可能產生一筆維修或粉刷成本。這些因為房子產生的額外支出,都是租屋一族不需要思考的。
2)房贷与利息
現在銀行不斷出辣招來防範炒房,提高房贷利息,收入不高的人馬上会被房贷压得呼吸難喘,沒有了生活品質,變成屋奴了。
除此之外,除非房东打算要卖或者要漲房租,不然如果您不是個很爛的租客,否則現在已經很少房东会把稳定又优良的租客趕走,然後去冒空𥦬期的風險以及整理房子的成本,還得擔心下一個租客会不会品质比較差,何必呢?
3)租户市場
現在城市地区是租户當道市場,假如您不计划在某个地區长期居住的话,毎月租金低于每月房贷,租房是一個很好的选择。
所以"租還是買"是值得被认真考虑的。
如果想要住在一个无法负担每月房贷的地區,可考慮先该区租房子,然後在存下一笔頭期款才買心頭好房子。
買房好,還是租房好?沒有絕對的回答,只能是因人而異,不同的時机和因地而异了。
#, how do you choose?
Almost everyone sees property as their biggest goal, is it better to buy a home than to rent a home?
In fact, buying a home at a proper time can have a huge impact on the return on investment, and returns can be higher than other investments, such as shares. On the contrary, buying property at inappropriate times will result in a decrease in returns or even a loss.
House prices have risen by more than 10% within this four years in each region, but there are times where the house price will remain the same or slightly lower.
Last year, the Central Bank reported that house prices should continue to grow at the pace of the past 20 years, so that the profit of house price can match the rentals.
Three points for you to consider, buy or rent, which one is good?
1) The potential cost of house maintenance
Once the house has been over for some time, it needs repairs. In some cases, once tenant move out, it may need maintenance cost or repainting cost. If renting a house, these additional expenses generated by the house are excluded.
2) House loan installment and interest
Now banks continue to raising mortgage interest rates, people with low income will be suppressed by the monthly house installment, they have no extra money to enjoy life perhaps become home slaves.
In addition, unless the landlord intends to sell or increase the rental, otherwise, if you are not a very bad tenant, most landlords will rather choose long term tenancy.
3) Tenant market
Nowadays, urban areas are the tenant market. If you do not plan to live in a certain area for a long time, monthly rent is lower than the monthly installment.Than, Renting is a good choice.
So "Buy or Rent" is worth to consider.
If you want to live in a region that you can't afford of the monthly house installment, thus renting a home in that area. Save your money and well prepare until you have enough earnest deposit than buy your lovely home.
Conclusion, Buy or Rent a house? There is No absolute answer. It is only vary from person to another, depending also on the timing and location.
#买房還是租房