Rent versus Buy
大家好，
最近搬到了一个新城市（低溶胶），并有一个IBAssociate position. I have 225K saved up. Single guy.
I'm wondering if I should rent ($1.5-1.6K/Month) or buy (400K-500K) place.
I'm both ways hard for me to decide.. I
2018年3月27日
2018年3月27日
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Comments (39)
Probably cheaper to rent, but if you plan on staying for a while, owning isn't terrible.
我不确定400-500K的地方会有多少间卧室，但是要室友会让它便宜一点。
You should calculate the costs associated with home ownership (i.e. manitenance, brokers fee upon buying/selling) to see how much you would end up paying if you had to move sooner than expected. Generally, if you plan on staying for at least 3-5 years and have the money for a 20% down payment, it's worth buying. For anything less than 3 years, you're usually better off renting. You should also take into account how much liquid savings you'll have after the down payment and theopportunity cost放弃将首付投资于其他东西的东西。房地产通常是长期的一项不错的投资，但是您仍然应该研究要购买的地区的趋势。无论哪种方式，作为经验法则，如果您要待至少3 - 5年，那么您最好购买和建立权益，而不是扔掉租金。
Buy for sure. I will never understand folks willing to rent for years on end when they have the means to buy a home. I agree if you are in a city short-term rent is the way to go but otherwise you are wasting money.
If your rent is cheap enough (or at least less than an expected mortgage) and you plan on fully investing the difference, that could net you a similar to better return with far fewer headaches.
Otherwise its usually better to own if your time horizon goes beyond a couple years
我他妈的在这个国家用热情鄙视租金，但在你的情况下我会说租金。这可能会促使眼卷，但是在10年前每个人都经历的乐趣之后，市场，尤其是住房，将重新调整。
您还年轻，保持液体，而没有像房地产这样的东西使您在地理上沮丧，您可能不想在几年内与任何关系。明智地投资，并在几年内再看市场，IMO。
一块advice I received was around the price difference of mortgage payments vs. rent.
My mortgage payment is much lower (c.60%) of what I'd pay for rent on a similar property. This is partly a factor or rent costs, and partly the large down payment. A colleague suggested I calculate the difference if rather than putting my cash against the down payment, I put the money infixed income and usedthe revenues to pay the higher cost of rent. After tax it was net neutral, and so you're still taking a punt on the housing market.
正如其他人所说，从各个角度看它。我不知道您是否有会计师，但是在这种情况下，与一个人交谈可能值得。向他/她展示您的纳税申报表，并查看折旧对您有多大帮助。以您购买的价格，您还可以扣除interest payments on yourmortgage. And since I am guessing you're in finance, it isn't a stretch or misleading in the slightest to say that you're working out of your home several hours a day, so you'll be eligible.
如果您租房，则需要为房东支付足够的费用，以支付他的债务，他的债务operating expenses, and a nice profit on top, and you get none of the benefits of property ownership. If you buy, you eliminate the landlords vig and (since you obviously have a nice income) also take advantages of the huge tax breaks the federal government showers homeowners with.
But if it's only for a year or two, the expenses associated with buying (transfer and mortgage recording taxes, brokers, lawyers, etc), mean you probably should hold off.
rant n invist all in crayptocuranciz
$225k saved up? How old are you?
进行成本效益分析。如果您居住在购买至少2年的房屋中，然后移动到其他地方，您将在房屋销售价格上涨的任何上涨中付费。
If you have that much saved, and you're young, perhaps buy in an up-and-coming community, own the home and build equity while you're there, then when you move on, keep the home and rent it out.
Being a long-distance landlord is a pain in the ass, but there are a number of companies who, for a fairly nominal fee, will do most of the work for you.
Just a thought. I've owned my own home for years. Quite liberating to only have to pay property taxes at the end of the year as opposed to the monthly burden of rent or amortgage payment。
Most people are missing the most obvious point: You just moved there with a new job as an Associate. You very easily could be moving again soon or at least have the opportunity to do so. You don't want a home tying you down if you want to move in two years. Wait until you are absolutely settled, which you are not right now. Renting is an option on future flexibility.
Not to mention, even if you were 100% settled, I would suggest renting while you figure the town out. There are lots of nuances about neighborhoods that you don't pick up as a visitor.
This is the best advice. I bought a place near Boston - I grew up in the state but I only get calls fromNYC/芝加哥招聘人员。
That has been the biggest drawback of owning. I feel like I am stuck in an okay city with minimal job prospects beyond my current one.
Put it all in Bitcoin
Buy or Rent - Starting full time in Houston(Originally Posted: 12/17/2013)
夏季，我将在德克萨斯州休斯敦开始全职。我一直在权衡自己是租公寓还是购买公寓的选择。我的问题是租金是如此便宜，是否值得毕业的公寓买公寓？如果我搬家，我将在路上打开，然后将其出租。我正在寻找纪念公园附近60-80范围内的公寓；这可能是对未来的良好投资。我节省了大约6,000个down payment。Rent is around 700-1000; 1000 being fully furnished. I appreciate any insight.
Rent for the first few years
租。
I live in Houston. It really depends on where you live and the downpayment required. The big thing about Texas is there are high property taxes since there is no stateincome tax。我也看着华铁等其他费用es. Condos have additional fees as well. At a young age, I would only consider a condo. If you plan to live in Houston for awhile, I would look into buying. Interest rates are so low. Assuming a 10% downpayment on a $60k condo, the total mortgage payments on the debt is about $4k (assumes 4%/30 yr amortization). So it is cheap to own a condo. Again I would just look into the additional fees like property tax and condo fees.
Array
您不需要两年的就业机会才能获得抵押吗？还是您在谈论直接购买现金？
This is not a hard and fast rule. If you got a degree in, say, finance and are working in financial services then most underwriters will have no issue with approving the loan, all else being equal, if you can produce a college transcript and if your career "makes sense" based on the time lines and degree.
NYT有一个很好的计算器，可以告诉您购买或租用以及在何时何时租用更好。请记住，如果您在两年内出售，您将欠利润税，而买卖房屋的屁股都很痛苦。仅当您打算留下几年的时间时购买。
http://www.nytimes.com/interactive/business/buy-rent-calculator.html
60k公寓？
德克萨斯州很疯狂
^^^A condo right near where I live was selling for $90k, its basically in the richest part of the city. The condo had all the works, stainless steel appliances, granite countertops, cherry cabinets, etc.
Array
Buy bigger, then RENT extra room(s). Presumably, current economics do not provide for a large variance between market rents and market pricing (in Houston). Supplement the debt with rental income. Houston is getting hotter, so make sure you execute 1 year leases. On the other hand, you don't want to run the risk of large downtime due to over supply within your immediate neighborhood. This is something you need to research.
Locking in long-term financing at a fixed, low rate is one of the easiest ways to mitigate risk. This assumes you're able to get financing, and also assumes a favorable debt structure with respect to your income.
Think of aLBO(high level), where operation income from the acquired entity is used to pay the debt. At the end of the deal, the acquiring entity is left with.......equity.
Hello Friend I think rent for the first few years is best and then start looking for a condo apartment but before exploring you should go online and check out and then compare rate and get your desired condo.
Edit: just realized the date of the original post.
You never know where life will take you, although you could always rent it out in the future, I wouldn't suggest the hassle this early in your life. While you looked for a tenant, would you have the funds to pay both the mortgage and rent in a new city if a new opportunity came about? Don't tie yourself down. 1,000 for a fully furnished rental is awesome and means all you need is yourself and a suitcase. Keep yourself flexible and ready to move at a moments notice. Best of luck.
house hack with FHA bitch
Look at all these wannabe richies hating on an expensive salad.
https://arthuxtable.com/nah, do 3% conventional
Yeah looking in Houston now and to be in a nice part of the city for young people, furnished apartments start around 1200+, any condo in those same areas of town are easily 250+. Crazy what a difference 3 years makes
The oil boom definitely fucked shit up on home prices in Houston. Still hasn't come down much since the crash. My colleague sold the house he had owned for 1 year just before the oil bust and got 30% more than what he paid for it.
Array
Rent until you can afford 20% down on the house you want and still max out your 401k/investments and have a 3-6mo rainy day fund.
租房或购买？(Originally Posted: 05/14/2007)
Assume that one has enough cash saved to make a deposit on a small flat in either London orNY，您认为长期购买物业的回报并登上“阶梯”证明其将需要的可支配收入损失与租金合理？
Have any of you bought property, if so, at which stage in your career and how has the experience been?
I am considering the same thing in Chicago. I am going to rent for at least one more year, but that's more because I'd rather not restrict my current lifestyle.
Also, what I can afford to buy is not as nice as what I'm currently renting, so for me its worth waiting.
Plus you build your credit. Anyway um housing market's in a slump...you might want to buy before they lower rates or else housing prices are going to skyrocket. You can always refinance later.
Besides the cost, you really have to consider whether you may relocate in the near future, especially early in your career. That is my main hesitancy when it comes to buying.
You could rent it out and if you buy in a decent neighborhood, the rent should be able to cover tax, mortgage, insurance and a bit for repairs and stuff. Andyou build net worthtoo, and at the same time let someone else pay your mortgage.
The costs of buying are higher and complicated than for renting, making it hard to tell which is a better deal for you. At Westrom Group Real Estate, we help our clients to calculate according to their requirements and Financial Condition.
租金伴侣，我确定您可以节省更多并在将来投资更好的东西。
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