What is the gap between renting a house and buying a house in America?

First of all, in the United States, tenants have a higher sense of security in renting a house than in China. American rental laws and regulations are complete and strict, and tenants are protected by law. Usually sign a contract once a year or even several years, and rent the house to you, which is your home. Of course, "changing the structure of the house without permission" is not allowed. Many Americans believe that buying a house is actually renting a house from a bank. The loan has not been paid off, and the house belongs to the bank. If the monthly payment is not paid for several months, the bank will take it back.

In addition, it is very simple and convenient for Americans to go through the formalities of renting a house. The apartment community has a website on the Internet, so it is easy to click and search. Through the website, you can also see the third party's evaluation of the service software and hardware of the community. The higher the score, the better. There are model houses with different specifications in the community, and renters can visit and choose at will. When choosing the room type and location, the renter will pay the rent of 1 month in advance, as long as he stays at the specified time.

Moreover, the United States is an immigrant country, and American citizens like immigrants. Many people in the United States have an understanding that if you don't change a few units and move a few places in your life, you are incompetent. Americans like immigrants, which is also related to the perfect market economy system and full market competition in the United States. American employment has never been hanged from a tree. As we often say, "If you don't leave me here, you have to leave me here."

It is precisely because of the habit of migration that many Americans generally don't buy a house even if they have the financial ability. Because I bought a house, once I want to move, it is more troublesome to deal with the house, and it is much more convenient to rent and check out. China people, on the other hand, like to stay in a city, a community and a unit for a long time, so compared with China's proud "home ownership rate" figure, Americans can only look at the ocean and sigh.

Thirdly, American buyers have to pay property tax and house maintenance fees every year, and they also have to pay the cost of pruning flowers and plants in the garden. In some cities in Texas, the monthly rent of two-bedroom and two-bedroom apartments ranges from 500 to 1000. And don't repair your own house, don't trim your own flowers and plants, and don't pay taxes such as property tax and property fee. If you buy your own house, it will be a big expense after one year.

Finally, among the people who rent apartments, families whose annual per capita income is lower than that stipulated by the US government can apply for up to 70% government rent subsidy. If you have a private house, you can't enjoy this subsidy anyway. Of course, if the poor in the United States feel that they can't afford the 30% rent, there is another place to go, and that is to go to the free public houses provided by the government and the shelters set up by some charities. It is precisely because of the many benefits of renting a house that many people do not feel ashamed of renting a house all their lives.

Theoretically speaking, the house price and rent in the United States are rising now, and the mortgage interest rate is extremely low. Americans should choose to buy a house. But the reality is that Americans' willingness to buy a house has declined again and again. The main reason is that the rights and interests of renters are protected by law, and there is no need to pay all kinds of extra fees for renting houses. Americans like immigration, and the US government's "humanization" of low-income tenants. This makes people feel that renting a house is easier than buying a house. Buying a house is just paying rent to the bank.