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Is buying the only option for you? How about renting?
Cost comparison:
8 l/ q& B j; y1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.
6 J# B* _; O2 O" X7 i. ], B" jInterest: 400K * 5.5 = $2,20008 }/ H0 \ c" [+ _
Property tax: $2800, U# R; f! U: c
Maintenance: $1500
( U3 [( g& {' q* R1 oInsurance: $700
/ y( n/ T Z- D J) Y2 z O+ N2. If you rent a similar house, the cost will be $18300.
; T5 u1 H" T+ E dRent: $21600 = $1800 per month * 12- a0 |1 }% b! U( Q
Return on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.
3 N) ~2 y# ?5 e% d6 m. @9 l8 C$ VInsuance: $200) D! M4 F1 l4 w0 m/ ~6 p4 P
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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.2 T' ^3 G# r( V0 f# c
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[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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