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Is buying the only option for you? How about renting?
Cost comparison:
9 s4 m. c3 z( \( ^7 U3 w1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.1 K. e$ r( a$ p# A# Q) z
Interest: 400K * 5.5 = $2,2000
1 X+ A4 S0 B0 v+ Q$ n9 V. K6 b: ~Property tax: $2800( k" M6 Q3 ~+ ?+ _
Maintenance: $15007 q: D1 U1 V+ Z5 }
Insurance: $7006 v& x- K# ?8 |* Y/ A1 c3 c
2. If you rent a similar house, the cost will be $18300.
8 {7 h+ }" e$ z0 n1 cRent: $21600 = $1800 per month * 12
. U; N, n$ {1 u+ `% V# LReturn on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.* q* \% Q+ e' b$ ?) I2 ?" S
Insuance: $200
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You will save $9000 a year if you rent. In addition, if the house prices drop, you will benefit more. But if you expect the house prices will keep rising by 5% every year, probably it will be better off to buy.
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& `7 t' D: p! x$ B, T[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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