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Is buying the only option for you? How about renting?
Cost comparison:6 x9 Q! z/ }1 R7 i0 d
1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.
, ?+ ?: ?: Y& x. _) k3 uInterest: 400K * 5.5 = $2,2000
& n: j: g- e4 J& n6 _1 XProperty tax: $28007 f: m0 \1 v% G. n) `& ?; `
Maintenance: $1500
( x/ L0 E4 l# c* JInsurance: $7002 f9 n6 i" C! M/ J
2. If you rent a similar house, the cost will be $18300.) k) |8 q- E! m a; w. _1 O1 Z
Rent: $21600 = $1800 per month * 121 v* E* ~5 z, v) N( v$ H q
Return on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.
# H: [* N/ D! z* q) S$ dInsuance: $200, h6 X3 p0 u; {, u
7 T @: O3 Q2 f- n. n t3 ^% I
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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[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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