你合适买房还是租房双语.docx

你合适买房还是租房双语你合适买房还是租房双语每个人都想要有本人的一间房子，接下来，我给大家准备了你合适买房还是租房双语,欢迎大家参考与借鉴。你合适买房还是租房双语Herearesomequestionstoconsiderwhendecidingifbuyingorrentingistherightchoiceforyou:在决定买房还是租房最合适你之前，或许能够先考虑下面这些问题：Howlongdoyouplantostayinyourhome?Therearehightransactioncostsassociatedwithbuyingandsellingahouse,saysDeanBaker,co-directorattheCenterforEconomicandPolicyResearch,sohomebuyersshouldplantostayputforatleastfourtofiveyears.你打算在新买的房子里住多久?经济与政策研究中心(CenterforEconomicandPolicyResearch)联席主任迪安贝克(DeanBaker)讲，“买卖房产交易费用很高，因而假如打算购房的话，至少要打算住个四五年才划算。Thereasoning?Thecostsforbuyingandthensellingahome-whichcanincludeareal-estateagentsfee,atransferfee,closingcosts,andinspectorandsurveyorfees-couldadduptoabout10%ofthesaleprice,orroughly1yearsworthofrent.Ifyouaveragethatover10years,itisnotthatbigadeal,saysMr.Baker.Butifyouaverageitover,saytwoyears,yourepayinganawfullotofmoneytoownahouseforashortperiodoftime.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。贝克讲，“假如你把这个费用分摊到10年，那就不算什么大数目，不过假如要分摊到比方两年，那就意味着，你要为短时间拥有一个房子付出很大的价钱。Canyouhandlethemonthlyexpense?Whileamonthlymortgagepaymentmaybecomparableinsomecasestoamonthlyrent,thereareotherexpensestoconsider.更多信息请访问：:/24en/每月所需费用你能够承当吗?固然有些情况下，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。Togetafeelforthefinancialburdenyoullbetakingon-andtoseeifyoucanhandleit-practicemakingpayments.Eachmonth,setasideprojectedmortgageandproperty-taxpayments,maintenancecosts,utilitiesandanyotherhome-relatedexpensesintoaseparatesavingsaccount,saysGarySmola,acertifiedfinancialplannerwithfinancial-educationalfirmFinancialFinesse.要亲身体会买房后的经济负担也是为了看看你能否承当得起“演练一下每月还款吧。理财教育公司FinancialFinesse的注册理财规划师加里斯莫拉(GarySmola)讲，能够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。Whatstheprice-to-rentratio?Homepriceshavecomedownsignificantlyinsomeareasofthecountry,butnobodyknowswhattomorrowsgoingtobringinthehousingmarket,saysDanielMorris,acertifiedpublicaccountantinSanJose,Calif.房屋租售比方何?加利福尼亚圣何塞的注册公共会计师丹尼尔莫里斯(DanielMorris)讲，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怎样。Todeterminewhetheritmakesmorefinancialsensetobuyorrentinyourarea,comparehomesalespriceswiththecostofrentingasimilarplace.要想判定你所在地区是买房划算还是租房划算，能够将房价与同类房屋的租价做一个比对。Dividethepriceofthehomebythetotalcostofrentforoneyear.Iftheresultismorethan20,Idbeveryconcernedthatthepriceofthehomemightfallmore,saysMr.Baker,andyoushouldconsiderwaitingtobuy.Ifits15orbelow,hesays,youreprobablyreasonablysafewithpricesholdingsteadyorgrowing.贝克以为，假如将房价除以一年的租价得出的结果大于20，“我就会担忧房价极有可能还会再跌，你就应该考虑再观望些时候了。他讲，假如结果小于等于15，“买入应该还是相当安全的，由于房价会保持稳定，甚至还会上升。Whatisyourjobandrelationshipstatus?Twentysomethingsarestillgettingagraspontheirfuturesandaconstantlychanginglifestylemightrequiretheflexibilityofrenting.你目前的工作怎样，跟伴侣的关系怎样?80后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敏的方式更合适他们。Butifyourcareerstabilityisstrong,youarecomfortabledoingwhatyouredoingandyouarecommittedinsomeformtoyourlifestyle,Mr.Morrissays,buyingahomebecomesamoreattractiveoption.莫里斯讲，不过，“假如你的工作非常稳定，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。