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Is buying the only option for you? How about renting?
Cost comparison:
+ P7 @, P5 \( ]0 H) m1. Assume you buy a house worth $500K with a down payment of $100K, the anuual cost will be $2,7000.
6 K( {0 A. H5 E# mInterest: 400K * 5.5 = $2,2000
& y! Z/ V: n OProperty tax: $2800
, k* D3 D6 N: @" \# h/ p& R0 YMaintenance: $15005 u& ^/ i, L3 a' B9 k6 }& x
Insurance: $700
$ \9 l J/ ]" S2 _1 j2. If you rent a similar house, the cost will be $18300.
/ N* _" G! X# vRent: $21600 = $1800 per month * 12* Y- R) H2 d k2 ^$ M# t
Return on your $100k investment: 100K * 4.25% = 4250, you will get net around $3500 after tax.. U2 e1 Z: v8 q
Insuance: $200! V) B7 @* r. ]5 v+ }
5 m1 _; N1 W9 R/ v G5 |' ?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.; ^/ b. s: I5 `! e# }" c
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[ 本帖最后由 smalltown 于 2007-4-30 09:53 编辑 ] |
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