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Is buying the only option for you? How about renting?
Cost comparison:# M- E5 I+ m3 h+ p t
1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.8 ?4 o9 T$ p1 X- V4 a1 {
Interest: 400K * 5.5 = $2,2000
0 L/ [. w4 _2 i" q' ]Property tax: $2800
2 {# e, Q" n& P' p+ X9 CMaintenance: $1500
z2 c* b% z8 G3 fInsurance: $700/ Z3 r9 m H5 J9 G, @3 y
2. If you rent a similar house, the cost will be $18300." C$ p9 _8 {7 o! b* ]$ W
Rent: $21600 = $1800 per month * 12 {) @9 [* n+ S1 r9 {/ O% i* ~
Return on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.
; s$ Y. p+ ^2 [) F3 x* P: a- gInsuance: $2006 T, S c+ a- `" p
1 y3 @6 l( l# 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.
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6 E4 ]+ P! @5 S" {) F5 T[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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