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Is buying the only option for you? How about renting?
Cost comparison:, O* g5 U4 r- J; H j/ Z
1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.
y: o* C* R4 @ SInterest: 400K * 5.5 = $2,2000
. A8 ]8 t$ y6 z- S7 |Property tax: $2800
( p( w( m& h" C! t3 V/ \& }Maintenance: $1500
7 y9 S7 ~* G6 X1 ]- v3 { a9 w2 N* yInsurance: $7001 |7 C* Q6 [5 ^9 s' {- r2 w
2. If you rent a similar house, the cost will be $18300.
6 Z4 H; c5 s, e4 |7 mRent: $21600 = $1800 per month * 12
, @0 `# M1 z, l8 N7 e; K: dReturn on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.4 V) W4 B) V$ R' i$ b
Insuance: $200$ g7 m* D% X3 ^' h6 T
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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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[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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