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Is buying the only option for you? How about renting?
Cost comparison:
/ V/ ]2 N4 G. M/ n1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.
}! X) c) J6 }. xInterest: 400K * 5.5 = $2,2000
7 V9 y$ X* b @8 _) c- TProperty tax: $28006 P; U) B2 L: S, f' f
Maintenance: $1500( n$ c' m; f: b" p$ k
Insurance: $700
: a1 B- U b, ~- @% S) Z S2. If you rent a similar house, the cost will be $18300.
( F7 J. U! Q- k0 O* |Rent: $21600 = $1800 per month * 126 t8 k+ W1 F& \
Return on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.
8 w; G+ w3 {. I3 A) qInsuance: $200
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You 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.* H r" c/ v1 @! ^3 _6 N
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[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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