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Is buying the only option for you? How about renting?
Cost comparison:
+ Z; c; @# f$ d# K8 o8 D! K1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000." b5 y* _: {0 V3 M* O3 n, f. d
Interest: 400K * 5.5 = $2,20000 U3 z0 r+ ^/ a, }: w) X7 w
Property tax: $2800
, f _! j4 T8 R% IMaintenance: $1500
3 @- }4 L; R5 _; U5 n) Q& g& W2 f6 V4 WInsurance: $700$ y( A' e1 T& W: X* P, F( b' r
2. If you rent a similar house, the cost will be $18300.' r9 H! s4 x/ ~( ?- O' T7 V0 O
Rent: $21600 = $1800 per month * 12
$ Z9 g8 L6 `1 h5 v* @Return on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.
7 F6 O2 T) j- C/ D B( OInsuance: $200
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$ M' t3 I+ d" l0 v, I$ g! Q( H5 \You will save $9000 a year if you rent. In addition, if the house prices drop, you will benefit more. But if you expect the house prices will keep rising by 5% every year, probably it will be better off to buy.2 Q" E; N, Y, M4 p/ m! I# P
6 I# j* [$ X( e$ I5 C[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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