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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:" c1 i% ~' Q. t" B
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- q8 [& B8 q9 \( q: FHow long do you plan to stay in your home? "There are high transaction costs associated with buying and selling a house," says Dean Baker, co-director at the Center for Economic and Policy Research, so home buyers should plan to stay put for at least four to five years.+ U) h" P& N$ \) z }
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。! a3 b0 _+ v( n- [# o
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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.'
9 ]( ]" F/ V1 B W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。”# P( k4 a4 q0 u
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8 _2 |# J5 F' @5 E3 G7 MCan 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.
" m) q! U0 B. {, N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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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.
2 w) Y/ E/ |9 u2 i9 C# T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。2 v. E- I5 q# b; @7 q A! o. |
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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.
* G7 X: B4 Y$ w' x; }0 [ R$ S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。”
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. p+ y- h* E. ]+ ~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.8 v @$ i! u+ H
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。4 \* X- N, ~, e( H# q
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Divide 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.- L0 Z. N$ R. v& G% x# t+ W" S8 W
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。( a5 ^. V E6 c9 @5 m/ S7 f
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1 G2 S" Y* S$ @9 Y( D: `& R! d9 RWhat 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.
- ^9 }' {" g" }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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But '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.. L0 ? m; ~' v: c/ l; f" t
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。
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