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Is buying the only option for you? How about renting?
Cost comparison:
' g' q2 x; F d1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.9 l8 G$ V5 m6 t* j
Interest: 400K * 5.5 = $2,2000
0 ^9 m# n6 E, z( `6 w7 YProperty tax: $2800
$ X4 @6 m# } R1 ?; s3 _Maintenance: $15009 t9 d; k# _; j0 o! l: O
Insurance: $700: W" D# {+ T' X; E( ?
2. If you rent a similar house, the cost will be $18300.
7 ]* z, N; f. p: JRent: $21600 = $1800 per month * 12
) l j" H, p7 k$ s! o. y$ ZReturn on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax. }/ ?; s: r, E8 ~1 [
Insuance: $200* t* U3 `( K. P! r6 b' y$ z8 _5 q# H
" j. ?/ p" F2 J( e! tYou 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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