a*******g
发帖数: 80 | 1 I just want to find the reasonable explains. I know house will be more
comfortable than an apt, how ever, you should take more hours on the way to
work or home. I heard somebody said he saved all rent and earned money
because of buying a house. I am just comfused of that. I only want to discuss
it based on buying house is a investment. And I didn't found my caculation 错
误百出. 270K tatol price, -20K down payment--mortgage should be 250K, right?
30 year, monthly payment should be 1324, than 13 | y***o
发帖数: 136 | 2 don't worry too much. if you can afford, just buy a house.
for one thing u should know, house is a more stable environment for kids to
grow up for the following reasons:
小孩也会比. 你的小孩住apartment, 别人家住house, 你以后咋给小孩开生日party,
咋invite other kids to sleep over. 你就没这蛤条件了...如果在比较贵的地方, 很多
家庭没办法, 那还好, 在偏宜的地方, 大家都有house住, 你家小孩没有, 你想想你家小
孩会十么感觉.
apartment的人员混杂, 就算你一背子住一处apartment, 你的邻居还整天搬进搬出的, 你
也搞不清他们到底干蛤. 小孩很难和固定邻居小孩做朋友. 有其是房价低的地方, 家庭收
入5万就能买个20万房, market上的低端可能连10万都不到, 只要家庭收入3万就够蛤, 你
想想你apartment的邻居都会是十么样
【在 a*******g 的大作中提到】
: I just want to find the reasonable explains. I know house will be more
: comfortable than an apt, how ever, you should take more hours on the way to
: work or home. I heard somebody said he saved all rent and earned money
: because of buying a house. I am just comfused of that. I only want to discuss
: it based on buying house is a investment. And I didn't found my caculation 错
: 误百出. 270K tatol price, -20K down payment--mortgage should be 250K, right?
: 30 year, monthly payment should be 1324, than 13
| O*****O
发帖数: 341 | 3 A lot of things are wrong:
1). You assume that the home value never change, it actually increase year by
year, the national average is around 5(? not sure)%, you also need to factor
in the time, as the house becomes 30 years old, it's value would not increase
that much.
2). There is not only monthly payment, you need to pay maintainance either,
and may need to upgrade your house;
3). The property tax rate also could be changed by your town;
4). THe reason ppl here don't take you serious is that
【在 a*******g 的大作中提到】
: I just want to find the reasonable explains. I know house will be more
: comfortable than an apt, how ever, you should take more hours on the way to
: work or home. I heard somebody said he saved all rent and earned money
: because of buying a house. I am just comfused of that. I only want to discuss
: it based on buying house is a investment. And I didn't found my caculation 错
: 误百出. 270K tatol price, -20K down payment--mortgage should be 250K, right?
: 30 year, monthly payment should be 1324, than 13
|
|
