Jan 7th, 2006, 02:28 | #1 | |
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Jan 7th, 2006, 02:36 | #2 | |
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Jan 9th, 2006, 02:06 | #3 | |
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Jan 10th, 2006, 02:31 | #4 | |
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投资买房的增值部分capital gain只有50%算作课税收入. 长期来讲买房增不增值不好说,保值从全球来讲还是做的到的。但是短期来讲就不同了,比如在2001到现在为止这段时间买房的回报率还是很高的,以后就不知道了,上下都有可能。和股票本质差不多,也有不同点:优点是有实用价值,可以自住和出租,缺点也很明显,一是动用的资金大,维持费用高,套现比较繁琐。 |
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Jan 10th, 2006, 11:59 | #5 | |
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有几点不同意见可供探讨 1:银行供款的本金部分不能由租金抵减收入 2:出租房改自住后出售,收益所得按以下公式计算报税所得而不是住满半年就不用缴税。 房屋增值应缴税收益 =房屋收益(capital gain)*(1-(1+自住年限)/房产拥有年限)*50%. 3,4:无异议 5:买房还是有量力而为一说的。用尽自己的储蓄和信用额度去买房是有比较大的风险的,例如利率上调,工作丢失或者房产贬值都有可能造成银行force close. 而留有一定余地则抗风险能力大些。 6:已经买房的人大多希望别人跟进,这样能进一步推动房产价格,未买房产的人就要自己判断了,跟进的的人一般都是期望于后市,但后市向上向下是没那么容易判断的。不过从总体上来说超过一半的跟进的人的判断是错误的(不是说现在跟进一定错误)。这点可以从任何大众的投资或者投机的经历加以证明。 7:谁也不知道什么买是早买,什么时候买是后买,所以这个概念用在这里不太适用。 8:有一定道理,但这些钱是为了补足相应增加的city费用,否则每块地都加5000有矢公平,因为不同的地价相差是很大的。房地产保值增值的最最主要部分是土地而不是房屋本身。房屋是消费品,是有折旧的。有的旧房涨价(除去地价上涨以外的部分)并不是真正的涨价,减去upgrade费用和通涨因素后房屋本身还是不断折旧跌价的。 |
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Jan 10th, 2006, 12:46 | #6 | |
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我没说你忽悠,我也还有一套自住房,所以房屋上涨我也高兴呀。 你是说现在房价低? 早晚是相对的,现在买房的人相对于你我就是晚了,现在买房的人相对于明年就是早了(如果今年房价继续大幅上涨的话). 所以这个早晚能那么容易分清吗??如果你能明知未来......我也就不说了。 十几年前,一套I屋才3-4万, 那时地价是多少?? 现在都18万了 现在地价是多少? 18万-地价净增额 还剩多少?? 剩下的再减去原来3万还有多少?? 3 万十多年通涨后现值多少? 不要光看到数额就以为赚钱了,只有地价从长时间看可以抵御通货膨胀的影响并且随着城市的发展而增值,地上的覆盖物是消费品,最终是要折旧为0推倒重建的。 至于其他的不同观点我也不再讨论了,大家都自己做决定吧,反正天下没不散的宴席。 此帖于 Jan 10th, 2006 13:11 被 RAFTER 编辑。 |
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Jan 10th, 2006, 13:14 | #7 | |
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九大队几年前是判断错了,你对了。 但这不意味着九大队的判断永远是错而你以前的判断以后也对,事易时移呀。 |
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Jan 10th, 2006, 13:34 | #8 | |
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2:离题太远,饭烧糊了 不过无聊之余也觉得这句话对现实的指导意义巨大。对这个判断的不同理解可以导致人生观的巨大差异,就象天堂和地狱的差别那么大 ,只是说笑,希望广大信教和不信教群众能谅解 |
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Jan 10th, 2006, 13:52 | #9 | |
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Jan 10th, 2006, 14:08 | #10 | |
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Jan 11th, 2006, 02:35 | #11 | |
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more detailed finance analyze
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How about the house price goes down 50%? if he has bought the big one then his net wealth is about 5$, if he has bought the small one he still has 7.5$in his pocket and save tax and gas bill on his property. So, every thing has two sides, don't just emphasize one side and ignore the other one. |
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Jan 11th, 2006, 02:40 | #12 | |
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Jan 11th, 2006, 08:56 | #13 | |
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the credit means line of credit, you can apply for that if you have pay more than 25% for your house value even if you don't have a job. You do have the ability to pay the loan because of your downpayment in the house and the bank will feel safe. If you doubt this, you can talk to your broker to make sure of this issue. |
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Jan 11th, 2006, 14:29 | #14 | |
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That is always my point! Then why you post this?? Sometimes I just pointed out something other people ignored but that doesn't mean it is my point |
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Jan 11th, 2006, 14:35 | #15 | |
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网上评论要站在中性的立场,从正反两个方面去谈论,这样才会对他人的决定有建设性作用呀! |
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Jan 11th, 2006, 14:40 | #16 | |
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Jan 12th, 2006, 01:18 | #17 | |
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好处是得到的, 税是要多交的, 风险是存在的, 投机是取巧的, 踏空是后悔的, 追涨是疯狂的, 套现是犹豫的, 做人是无奈的, 梦想是还没成真的 |
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Jan 12th, 2006, 23:07 | #18 | |
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Jan 12th, 2006, 23:09 | #19 | |
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Jan 12th, 2006, 23:13 | #20 | |
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