你适合买房还是租房？

杭州泰弗尔英语

Here are some questions to consider when deciding if buying or renting is the right choice for you:在决定买房还是租房最适合你之前，或许可以先考虑以下这些问题：


How long do you plan to stay in your home? "There are high transaction costs associated with buying and selling a house," says Dean Baker, co-director at the Center for Economic and Policy Research, so home buyers should plan to stay put for at least four to five years.
* ~! k7 A6 X" x/ v1 D你打算在新买的房子里住多久？经济与政策研究中心(Center for Economic and Policy Research)联席主任迪安·贝克(Dean Baker)说，“买卖房产交易费用很高，”因此如果打算购房的话，至少要打算住个四五年才划算。

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The reasoning? The costs for buying and then selling a home -- which can include a real-estate agent's fee, a transfer fee, closing costs, and inspector and surveyor fees -- could add up to about 10% of the sale price, or roughly 1½ years worth of rent. 'If you average that over 10 years, it is not that big a deal,' says Mr. Baker. 'But if you average it over, say two years, you're paying an awful lot of money to own a house for a short period of time.'
原因何在呢？买了房子再卖掉所需的费用──包括房产中介费、过户费、买卖手续费、验房师和估价师的费用──杂七杂八加在一起大约是房价的10%，或者大致相当于一年半的房租。贝克说，“如果你把这个费用分摊到10年，那就不算什么大数目，不过如果要分摊到比如两年，那就意味着，你要为短时间拥有一个房子付出很大的价钱。”

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- P9 U8 q8 g$ X7 BCan you handle the monthly expense? While a monthly mortgage payment may be comparable in some cases to a monthly rent, there are other expenses to consider.
% C: E" v: t  Z' g) y: o每月所需费用你可以承担吗？虽然有些情况下，月供跟你每月租房的费用差不多，不过买了房子之后，除了月供之外，还会产生其他一些费用。
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5 _% b0 _+ D, ~( W1 }To get a feel for the financial burden you'll be taking on -- and to see if you can handle it -- 'practice' making payments. Each month, set aside projected mortgage and property-tax payments, maintenance costs, utilities and any other home-related expenses into a separate savings account, says Gary Smola, a certified financial planner with financial-educational firm Financial Finesse.
要切身体会买房后的经济负担──也是为了看看你能否承担得起──“演练”一下每月还款吧。理财教育公司Financial Finesse的注册理财规划师加里·斯莫拉（Gary Smola）说，可以每个月把预期的月供、房产税、维修费用、公共事业费及其他与房子相关的费用单独存入一个账户。

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What's the price-to-rent ratio? Home prices have come down significantly in some areas of the country, but 'nobody knows what tomorrow's going to bring in the housing market,' says Daniel Morris, a certified public accountant in San Jose, Calif.
( B" O1 b  ~) s2 b9 l. J房屋租售比如何？加利福尼亚圣何塞的注册公共会计师丹尼尔·莫里斯(Daniel Morris)说，在美国有些地区，房产的价格跌得非常厉害，不过“谁也不知道房产市场下一步走势如何。”


To determine whether it makes more financial sense to buy or rent in your area, compare home sales prices with the cost of renting a similar place.
要想判断你所在地区是买房划算还是租房划算，可以将房价与同类房屋的租价做一个比对。
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4 H# q. [& {' ZDivide the price of the home by the total cost of rent for one year. If the result is more than 20, 'I'd be very concerned that the price [of the home] might fall more,' says Mr. Baker, and you should consider waiting to buy. If it's 15 or below, he says, 'you're probably reasonably safe' with prices holding steady or growing.
/ R/ ^6 Q( j% `2 p) Z贝克认为，如果将房价除以一年的租价得出的结果大于20，“我就会担心房价极有可能还会再跌，”你就应该考虑再观望些时候了。他说，如果结果小于等于15，“买入应该还是相当安全的，”因为房价会保持稳定，甚至还会上升。


What is your job and relationship status? Twentysomethings are still getting a grasp on their futures and a constantly changing lifestyle might require the flexibility of renting.
0 U  M+ R& y4 Y+ g4 w2 N你目前的工作如何，跟伴侣的关系如何？二十几岁的人群还是在事业打拼阶段，个人生活方面也经常会有变动，也许还是租房这种灵活的方式更适合他们。

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5 V  k5 d) q* u! h1 DBut 'if your career stability is strong, you are comfortable doing what you\'re doing and you are committed in some form to your lifestyle,' Mr. Morris says, buying a home becomes a more attractive option.
莫里斯说，不过，“如果你的工作非常稳定，你对现状非常满意……个人生活方面也相对稳定，”那么买房就是更有吸引力的选择。