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Is buying the only option for you? How about renting?
Cost comparison:$ @; y: Q1 I5 w* l
1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.
& ]( r9 Q2 l0 _! {' A: T) N1 mInterest: 400K * 5.5 = $2,2000
; w7 |" y$ I3 s* x- ~% Q- XProperty tax: $2800; X! j! O5 d& b; A5 M5 V
Maintenance: $1500+ h7 _& E2 I( Y4 o2 ]! x- q4 \! _ I
Insurance: $700
2 P; P6 K/ Q$ a: }. P2. If you rent a similar house, the cost will be $18300.
L( x7 v; ]" HRent: $21600 = $1800 per month * 12" [. W, V7 |, Z( `
Return on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax., z' s* a" I: ~, x6 n
Insuance: $200( T/ K. ~ j, H
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You will save $9000 a year if you rent. In addition, if the house prices drop, you will benefit more. But if you expect the house prices will keep rising by 5% every year, probably it will be better off to buy.$ V$ T. b/ i. q1 u% ~% k3 l
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[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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