Mar 14th, 2006, 09:02 | 只看该作者 #41 | |
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首先,买房利息至少已经5年固定5.3了,租房房租自2001年来可是没大涨 再说,租房生活质量不见得就比买房低多少。 我现在有10万首付,租房每月1100,包地下车位水电中央空调,楼里很干净,带室内泳池 健身房和桑拿。楼下步行10分钟到小学,5分钟到超市,离家庭医生也不远。900尺 one bedrm+dan 落地窗,大客厅,住起来很舒敞亮。 我买房子只能买30万以下的, 看了不少,很多房子一楼只有个厨房,livingrm+diningrm还不到20m2,又窄又小,来个 朋友连个座的地方都没有,一家人吃了饭要不各回各房,要不就只能欢聚在地下室。 这样的房子,首付10万,贷20万,利率5.3,不计利息上涨,25年共还利息159000,530/月+200税+300水电保险+70修修补补升级换代,(电线水管屋顶窗户等等,25年总要维护的吧)=1100 当然,如果追求归属感的话,早晚都要买房,但如果不能买35万以上的好房,彻底提高一个档次的生活质量,多观望几年也不损失什末。 引用:
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Mar 14th, 2006, 10:23 | 只看该作者 #42 | |
RH市政府
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不过你说900尺的condo宽敞舒适,而30万以下的房子又窄又小来个朋友没地方坐,hoho,我倒是有些好奇,这个30万以下的房子是不是在downtown呢?如果一楼只有一个厨房,那也比900尺condo里的厨房大数倍吧?多来几个朋友一起做饭吃吃喝喝,怎么也比condo宽敞。有10万首期多看看周边地区的房子,生活同样便利,但房子本身肯定强多了 |
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Mar 14th, 2006, 10:47 | 只看该作者 #43 | |
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在mississauga, 1500尺的房子,两层一分,平均每层750尺,一楼去掉车库,楼梯,还能剩多少? 近10年的townhouse90% 车库都是完全在收进一层,和车库平行的室内空间是细长条, 就平方面积来算可能小不了多少,但condo的厅是方的或长方的可利用空间就大了很多。 引用:
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Mar 14th, 2006, 11:37 | 只看该作者 #45 | |
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忘了利息收入要交税的把?$3500*(1-40%)=$2100 |
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Mar 14th, 2006, 12:07 | 只看该作者 #46 | |
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steeles 以北 major mackenzie以南 kipling 以东404以西 能买到离小学中学比较近 不靠马路,10年左右的free hold townhouse 吗? |
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Mar 14th, 2006, 13:44 | 只看该作者 #47 | |
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Mar 14th, 2006, 15:21 | 只看该作者 #49 |
RH市政府
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我重点没表达清楚。不是这辈子买不买房的问题,是既然要买了自己住,什么时候买都差别不大的问题,不在乎投资,而在乎生活品质。如果认为condo品质高,就租condo,没问题。 买了房子,利率涨跌,房价涨跌都仅仅是心理感受,实际上能涨了就卖吗?全家住哪?住上8-10年或更久的话,房价的近期波动就影响不大。如果一定要谈投资,也是和投资长线基金的道理类似。 当然有人买房,装修装饰一番,住上1-2年,顶多3年,看看机会不错就卖了,再买,再装修装饰,再卖。。。。。这样的住房方式就是投资性质多于生活本身了,那我明确表态,现在房价高涨趋缓利率攀升打压房价的时候,不适合短线投机房市。除了象密老那样眼光好又会DIY做装修装饰的人外。:P |
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Mar 16th, 2006, 08:01 | 只看该作者 #50 | |
华枫最牛一人
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在乎生活品质。。你说的轻巧, 买个40万的房, 10万首付。 若利率一路狂涨,等房到手, 付给银行的可能得超过70万。 祈祷你的房能卖80万吧,不然都归不了本。 可80万的房子有多少人买的起? 就算房子值, 没市场, 有什么用。水暖电气税肯定没多久要翻斤斗的啦, 和租金有的一拼了。 再过几年, 没准得天天吃泡面享受所谓生活品质。 以前香港因买高价房破产的, 负几百万资产的人多了, 你觉的这些人的生活品质一定好高吧, 。。就赔的哪些钱, 租个多高品质的房租不到。。多高品质的房?只能买不能租的? 亏个几十万换来的生活品质是什么? 不懂 引用:
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Mar 16th, 2006, 09:20 | 只看该作者 #51 | |
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And I understand you, because you can't afford it. |
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Mar 16th, 2006, 10:36 | 只看该作者 #52 | |
华枫最牛一人
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给你个网址自己去算, 借30万, 25年还 (10years close), 最后多少银子给银行, 每两周844. 最后给银行550000, 再加自己首付10万, => CAD$ 650000! 10年后你能否拿到5。5% 还是拿 10。5%的机会自己想。 看来您的生活品质肯定高的一塌胡渎了, 佩服。 机算器 http://www.ingdirect.ca/en/PD_CalculatorsTools.html# 另外, 老哥还是找个班补补英文吧。 引用:
此帖于 Mar 16th, 2006 10:58 被 牛人一个 编辑。 |
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Mar 16th, 2006, 11:48 | 只看该作者 #53 | |
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支持牛人,不细算不知道,一细算:银行利息:算下来要房价的3/4(而且是先还利息后还本金);税,现在房价高,税自然高;还有水电,这些都是租房不需要的。房子保险?另外有了房子,买制的东西自然偏多。。。所以,说买方生活档次提高,那得看各家人口情况和自己手里的本金有多少说。很多国人不论自己经济能力,清一色买房,指望以房养房,其实生活质量比自己租房低很多,连自己的空间都没有。 引用:
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Mar 16th, 2006, 13:40 | 只看该作者 #54 | |
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But, please think about it through another way; Do we know what is the average detached house price at 25 years ago? (almost 4 times cheap than now, please see my previous post chart) Do we know what is the average household anual income at 25 years ago? (you can get that from statistics canada website) IF these two stay the same at 25 years or 50 years later, then maybe you are right on the (算下来要房价的3/4(而且是先还利息后还本金)), but I would say with inflation and all other aspects on the numbers; you may get an average household anual income 250K per year and average detached house in toronto at 1 Million $ 25 years later; from that angle, this current 房价的3/4 is nothing in the future; So far, I knew at 1970s, average Toronto detached house priced at 50K (5W CAD) around, but average household income are 5000 C$ per year; so, to assess whether the house price is too expensive, we should compare the rate (current average detached house price /current average anual income), if this number is getting bigger then we can say the house is more expensive, otherwise, means maybe cheaper, if average house at price 1M but average household income at 250K per year; and my major point is at physical number wise, with inflation and all facts, the price will for sure getting bigger from long term perpestive, because the whole society play the same game, more income number but with more expense number; And in other words, todays 400K $ will for sure at least 5 times buying power than 25 years later 400K $; who can tell me 25 years before, 10 W RMB worth today's how much ? 100 W? 200 W? The basic point is, buying an own lived house is an expense; You have to to it even though the value is not increased; like you buy a car, a computer; otherwise, you can't buy a computer because they always depreciate at half price within the first year; And even if you rent forever, the renting price still going up too; Toronto detached house price will be more expensive and far beyond the average purchase ability if government keep 20W new immigrants every year; and everything is a balance of the demanding and supply; sorry, no chinese input now; 引用:
此帖于 Mar 16th, 2006 14:00 被 samqyang 编辑。 |
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独在异乡为异客,中国人要帮中国人。
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Mar 16th, 2006, 14:06 | 只看该作者 #56 | |
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你把加币当港币算?一个普通的DETACHED要100万,那人的工资得多少?别总看房子涨,不看工资涨,房子涨了,工资不涨或涨得很少,长期来说,谁买得起?大家都变大商人大企业家?2000年到2005年房价涨了多少?工资涨了吗?现在和2000年比起来,工资是有跌无涨,这涨出头的那部分房价就是泡沫。 引用:
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Mar 16th, 2006, 14:49 | 只看该作者 #57 | |
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that's just my sample, regardless currency, I mean if average annual income for family can reach 250k then 1M$ per house may not consider as expensive; And additional demanding, these 20 W new people every year will be an huge impact to the Canada house market, they may not buy their home when they first day landed here, but they need place to stay; let me give you a picture: If more and more people trying to get in a "room" (Canada), and if that room can't expend faster (new home build) enough to accommodate those new people, then what may happen? Everybody has to reduce their own seat size to make people in, and how; only the price hike on home can do the job; And on the other side, the world is getting smaller and more connected, which means if the average overall interest rate cross most of the top 10 biggest countries are not dramatically increased, I see no reason Canada can go back over 10% in future like 15 years ago by itself; Future Interest rate is not controlled by any one country as it used to be, it more depends on the major countries average interest rate and the whole world economy; If China can increase rate to 10%, do you know how much cash will flow in? Vise - verse, if Canada can go back up to 10% and China stay a 5% for example, just a example; I will for sure move all my parents' savings to here; High interest rate is really a big burden for any one country to take by itself; this number now days are more depends on the average industry profit marge cross the world; There is no way for any one country can afford a much higher rate than average rate of top 10 countries; Self closed countries not included; Due to smart people always try to make their money growing and no countries' government are stupid, they may have to follow the average rate cross major countries to balance this; Ok, let us see whether the interest rate from bank of Canada can reach 8% in next 5 years or 10 years; I don't think so; the whole world is changing; yes, maybe within Canada, the 工资 not changed so much, but how rich and how much money now days the new immigrants can carry in Canada when they are landing maybe another fact influent the market; I never believe that myself, can impact Canada house market before, but now, I am; And obviously, new immigrants from China 20 years before averagely for sure can take much less money than now days; By the way, I am not an JJ; I just feel current interest rate hike is really not enough to drag the price down even though I hope it can goes down to average 50K per house; So, I can buy as many as I want; 引用:
此帖于 Mar 16th, 2006 15:03 被 samqyang 编辑。 |
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