屋价升疯了, 现在不是买屋的时候?

[老总]

算来算去，房东开销一定是大的，除了他的贷款只有25%。
我的想法是房价低时一定要买，房价已涨到很多人多买了房的时侯，还没买的，还能等的，不如等多几年，除了你手里已有75%首付，或你有信心，有能力炒房地产的。

[老总]

关于生活质量：
住大房子，不舍得开暖气的大有人在。
买大房子，楼下出租的，也不是人人都喜欢的生活方式。
买了房子，换工作就会有些限制，这工作质量是不是也要考虑阿？
买不买房，还是要根剧自己的情况。

[老总]

关于住房标准：
买的房子未必一定比租的高。
能买到的标准，就一定能租到。
房东有不少好处，租客也有不少轻松的方面。
关键还是要根剧自己的情况，看看那个更重要。

[老总]

作者: youngluk

虽然支持买房并不一定比租房省钱, 但是计算方法与比较方式是有问题的.

按你的计算方法. 不考虑房屋涨价及利率变化因素. 25年后, 买房的净支出比租房的净支出要多 (18000-11500)*25 = 162500. 但25年后, 买房的手中的当年35万的房不会值不到162500吧? (这里, 租房的复利与买房利息支出逐年减少相抵.)

忘了算租客手里10万吧...
这里动态的东西太多，还是让每人自己算吧。。。用微软的EXCEL算起来很方便的.

[老总]

作者: 想当然

如果房价每年涨6%而利率稳定，则买房好一些。如果利率上到7~8%的话，存银行的效果也不差。


Prices up 6% and Sales up 9%

TORONTO - Friday, March 3, 2006--Sales of existing homes rose to 6,756 in February, a nine per cent increase over the same month last year, TREB President John Meehan announced today. "The Toronto resale market is accelerating nicely as we move towards Spring," the President said.

"It looks like another healthy year ahead of us." Mr. Meehan further noted that February's performance was the second best for the month ever recorded and up 47 per cent from January, which is in line with seasonal trends.

On the pricing front, the average in February rose to $353,928, a six per cent increase over both February 2005 and January's figure of $332,687. The median price told much the same story, rising six per cent to $298,000 over $281,000 recorded during last February, and up three per cent over January 2006.

如果我是房东，我希望房子每年都涨6%。。。 十年后。。。哈哈 -〉
------- --- Increase --- average --- median
Feb. 2005 --- --- 332,687 --- 281,000
Feb. 2006 --- 6% --- 353,928 --- 298,000
Feb. 2007 --- 6% --- 375,164 --- 315,880
Feb. 2008 --- 6% --- 397,674 --- 334,833
Feb. 2009 --- 6% --- 421,534 --- 354,923
Feb. 2010 --- 6% --- 446,826 --- 376,218
Feb. 2011 --- 6% --- 473,636 --- 398,791
Feb. 2012 --- 6% --- 502,054 --- 422,719
Feb. 2013 --- 6% --- 532,177 --- 448,082
Feb. 2014 --- 6% --- 564,107 --- 474,967
Feb. 2015 --- 6% --- 597,954 --- 503,465
Feb. 2016 --- 6% --- 633,831 --- 533,673

[老总]

楼主的标题是“屋价升疯了, 现在不是买屋的时候? ”
好像好多人都在讨论这辈子要不要买屋子。。。
我想国人对一辈子是不是要做房东的意见应该是非常统一的吧。

[老总]

同志们,有没有这种可能：5年后，我想买的房子还跌了5w; 我的首期有多了10w... 利息吗？反正我少了15W的贷款, 呵呵...