Sep 2nd, 2004, 21:23 | 只看该作者 #41 |
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你们讨论的买房、租房的对象根本就不对称。一套20万左右的townhouse,你每月1100能租得到吗???? 我给你们一个真实的对比:北约克 C15区 买:半独立房,3年前买的,22万(含交易)。首负:5万,贷:17万。 每月还贷:1027(5.4%)。地税:220。保险:45 每月费用=1027+220+45+水电气=1292+水电气 租:半独立房的邻居(同一栋房子),月租金:1700,水电汽自负。 每月费用=1700+水电气 他们的差别就是1700-1292=408。这408就顶那5万的利息了吧。这两家人享受到了同样的生活水平,看看哪个合算。(我们可以把房子增值放在一边不谈,实际同样的房子今年成交价已经达到28、9万了)。 |
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Sep 4th, 2004, 07:53 | 只看该作者 #42 | |
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Sep 18th, 2004, 08:55 | 只看该作者 #43 | |
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Nov 9th, 2004, 13:25 | 只看该作者 #46 | |
夕阳醉了
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碰到疯狗,躲远点。。。
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Nov 9th, 2004, 17:45 | 只看该作者 #47 | |
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假设你的房子值20万,到N年后,同样两个人,一个有20万的房子,每个月还要伏50(电)+200(TAX)+200(管理费)+100(气)+50(其它维修)=600块(往少的算了),一年还要7200块,令外一个人有20万,比较保守投资收益7%=14000块,没个月1200块住的很舒服了,省了600块, 所以租房比买房喝算, 买房只有在一种情况下合算,就是房价较快上涨的时期, 引用:
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Nov 9th, 2004, 18:15 | 只看该作者 #48 |
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有意思,讨论的和计算的都那么认真!
先问自己一个问题:买TTC月票和买车你会选择哪个?房子和汽车有相似性,不同的是房子长期来讲可以保值,而汽车则相反。至于汽车带来的方便/舒适同有房子的家的感觉是一样的,而汽车的保险费,维护修理费,汽油费同房子的mortgage,utility等等一样都是你享受的代价。 有能力,想在加拿大长期居留的,买;还不具备稳定因素的还是考虑考虑租吧,毕竟现金抓在手上才能更好适应变化。 移民不就是期望提高生活质量嘛,乘TTC和租房严格从数字角度上说比买车买房花费低,但开车和买房后带来的生活变化,享受程度又岂能用数字来衡量! 最后,千万别因为你周围的朋友都买房了你也去买房,自己的鞋还得自己穿。 |
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Nov 9th, 2004, 18:15 | 只看该作者 #49 | |
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Nov 9th, 2004, 18:33 | 只看该作者 #51 | |
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if you have house and live in it: $8000-7200块=800. positive cash flow! 2. or even the house price is not increase. you have house and rent it and you 住个月1200块的很舒服了appartmet: the rent will definitly higher than 1200块, right? so still positive cash flow. 3. If you have 20万, 没个月1200块 = 14400. 14400 - 14000块投资收益= -400, that is negative cash flow. Which one better? |
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Nov 9th, 2004, 18:40 | 只看该作者 #53 | |
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一看你就小心眼,老是小处着眼, 一般正常的投资收益基本在8-9%的,你知道不,我难道要和你说14400/12=1166.6666667已经住的很舒服了,你才满蚁, 引用:
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Nov 10th, 2004, 10:54 | 只看该作者 #55 | |
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1. based on my caculation (compare the case 2 and case 3 in my previous post), if you own a house, even the house price does not increase (which is impossible low in a long run), it still a little better to 7%投资收益, right? 2. I do not agree一般正常的投资收益基本在8-9%的. Even if you can guaranty only 7%, I believe tons of money will flow to your hand. Lots of people still put money in saving account for 2% or buy GIC for 4%, why do not they give money to some normal guy for 正常的投资收益基本在8-9%? Banks lend money for morgage in a long term is only around 7%(bank even give incentives to the customers and give commission to the agent to try to get the 4% to 7%)? why do not banks try to get 一般正常的投资收益基本在8-9%? they are all not 正常? 3. Remember, House is also a 正常的投资, even like you said, they are still equal on the return but the one who own a house enjoy a little bit more than the others who live in an appartment. It becauses that not only they live in a smaller space, they have to move sometimes because they can not control the situation, and also they have to spend lots of time to try to get the 一般正常的投资收益基本. Do you think so? |
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Nov 10th, 2004, 10:58 | 只看该作者 #56 | |
Chinese and Calgarian
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Nov 10th, 2004, 11:28 | 只看该作者 #57 | |
告别2011
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关于买房子的问题,其实一句话:有钱,又需要,就买吧;合算不合算的问题恐怕争论一百年也挣不明白。 至于很多人买了房子再出租的,那是另外一个话题。老外的思维比我们简单得多,搬家了,到了一个新地方,就买一个房子,又搬了,就把它给卖了,再去新地方买一个,他们需要一个自己的空间,喜欢住自己的房子;也有的,一辈子住公寓,付房租,不买房的,过得也潇洒;总而言之,自己住得舒服,没有太多压力,怎么都好 |
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Nov 10th, 2004, 12:13 | 只看该作者 #58 | |
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老李的意见一直是很中肯,还要考虑生活方式,不能老考虑经济账,要想省钱一直住地下室最好, 再讲,钱挣来就是要花的,不花,永远只是数字而已, 引用:
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Nov 10th, 2004, 14:41 | 只看该作者 #59 | ||
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short time later, 引用:
I am speechlees! The only thing I can say is Wow. What a friendship! again |
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