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Is buying the only option for you? How about renting?
Cost comparison:
0 e* H* Z8 {! r' i( H, G0 o1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.) r" ?* e' Z# O5 r$ L) c$ j
Interest: 400K * 5.5 = $2,2000: A( S/ F9 Y: L$ t) d
Property tax: $2800
8 x: @; h! \, `8 Q- D% V/ FMaintenance: $1500' }" ^, p) n C( C# ?
Insurance: $7008 a8 \ Y6 Y- Z4 c9 V I
2. If you rent a similar house, the cost will be $18300.# a$ C5 v% \* N$ m/ _
Rent: $21600 = $1800 per month * 12
) r2 A8 ^8 z% f7 N6 pReturn on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.
# N; N' I! o- q8 Q! x2 UInsuance: $200
7 C Z! l% K) }, E7 U! i
# X2 I! h$ }$ qYou will save $9000 a year if you rent. In addition, if the house prices drop, you will benefit more. But if you expect the house prices will keep rising by 5% every year, probably it will be better off to buy.: X3 c% ?+ }6 }9 s/ U/ R/ q
3 j3 B1 i$ x+ H, `: D[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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