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Is buying the only option for you? How about renting?
Cost comparison:
" }" ^- w. f2 [' g* Y1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.
0 {& _( K- F2 h3 h6 v! yInterest: 400K * 5.5 = $2,2000
4 h- r% F: ~0 i+ ?' A# q9 DProperty tax: $28008 C: t t9 x" g
Maintenance: $1500
7 r; h4 Y- z+ U- Z- Z& WInsurance: $700" }3 A$ ~4 Z! w5 G7 M2 e
2. If you rent a similar house, the cost will be $18300.3 F9 F; Q6 C7 ~* Q# z* V
Rent: $21600 = $1800 per month * 12
% ~) `# ~" y$ v3 r, nReturn on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.
9 D2 u: Q3 Z( I; L1 k; N {, tInsuance: $200
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" `7 {% V5 f5 K7 d( A( lYou will save $9000 a year if you rent. In addition, if the house prices drop, you will benefit more. But if you expect the house prices will keep rising by 5% every year, probably it will be better off to buy.# I7 Y' I9 w$ p% Q
' j' D, N! z* a$ w& M[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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