Advantages and disadvantages of buying and renting a house for 200,000 PK 15 Let's see which is more cost-effective.

Mr. Zhao has 0.2 million/200 thousand cash and has always wanted to buy a house, but he still rents a house. According to the actual situation of Mr. Zhao, the reporter calculated an account for him and carefully compared the advantages and disadvantages of buying a house at this time and continuing to rent a house after 15 years. For the convenience of calculation, professionals assume that Mr. Zhao's down payment and tax expenses are1840,000 yuan. According to the current price level, it is assumed that Mr. Zhao's purchase goal is a house with an area of 50 square meters and a total price of 575,000 yuan. In addition to setting Mr. Zhao's target property value, suppose Mr. Zhao has free money of 3630 yuan per month.

Buy a house,/kloc-own a house in 0/5 years.

It cost 837,000 to buy a house.

Down payment: 1.75 million tax: 9,000 yuan to repay the loan interest and principal: 653,000 yuan.

Suppose Mr. Zhao needs a down payment of 6.5438+0.75 million yuan to buy a house. If he is handling a commercial loan, he needs to borrow 400,000 yuan, assuming the repayment period is 654.38+05 years. According to the current mortgage interest rate, the benchmark interest rate is 7.05%, and Mr. Zhao needs to pay 3630 yuan per month, so the total interest of 65438+2005 is 253000 yuan.

In addition, with down payment 1% deed tax and property maintenance fund, all taxes and fees need 9000 yuan.

In this way, Mr. Zhao's total cost of purchasing this house includes a one-time cash investment of184,000 yuan, including a down payment of175,000 yuan and taxes of 9,000 yuan; Monthly payment 15 years, with a monthly payment of 3,630 yuan, totaling 653,000 yuan, equivalent to a loan of 400,000 yuan and interest of 253,000 yuan.

After 15, Mr. Zhao spent18.4+65.3 = 837,000 yuan to own a house.

The activity of "Buyers in Action-2065438+02 Summer Attack" initiated by Netease and thousands of real estate enterprises has been fully launched. The event covered 100 cities 1 10,000 sets of preferential housing, and the total amount of feedback was as high as 2 billion house purchase vouchers. In early summer and June, let buyers find preferential housing opportunities.

Money saved by renting a house and savings interest: 360,000+1.2,000 = 372,000; Interest saved by down payment and savings:184,000+96,600 = 280,600.

If Mr. Zhao does not buy a house, but rents this house with the same funds, for the convenience of calculation, assuming that the monthly rent of this house is 1.630 yuan, 15 remains unchanged, then Mr. Zhao has 2,000 yuan left in his spare money of 3,630 yuan per month. Suppose Mr. Zhao takes the remaining 2,000 yuan per month as savings, and for the convenience of calculation, he adopts the method of lump sum deposit and withdrawal every year. According to deposit interest rate's 3.50% calculation, after 65,438+05 years, Mr. Zhao Can earned about 65,438+200,000 yuan in deposit interest.

In addition, assuming that Mr. Zhao's original fixed fund of 1 84,000 yuan used for down payment is also used for savings, he chooses 15 time deposit with a term of1year. According to the current interest rate of 3.50%, after 15 years, Mr. Zhao earned interest of 96,600 yuan.

In this way, after 15, Mr. Zhao actually spent 1630 yuan×12× 15 = 293,000 yuan in rent, while15, Mr. Zhao made a profit of 9.66+1.2 = 650. Compared with 837,000 yuan, Mr. Zhao saved 83.7-29.3+10.86 = 652,600 yuan.

Contrast: it is cost-effective to buy a house when the price increase exceeds 13.5%.

According to the analysis of second-hand housing professionals, for Mr. Zhao, the difference between buying a house and renting a house is that after 15 years, buying a house will have a new house of 50 square meters in the main city, and renting a house will cost 652,600 yuan. What needs to be compared is whether the value of this second-hand house is higher or the capital value of 652,600 yuan after 15 is higher.

According to the total price of 575,000 yuan, the unit price of this property is equivalent to 1 1.500 yuan. Suppose you buy a house of 50 square meters with 652,600 yuan, which is equivalent to the unit price 13052 yuan.

That is to say, whether Mr. Zhao pays to buy a house depends on whether the unit price can rise 1552 yuan after15 (note:13052-/kloc-0 = 1552), which is equivalent to whether the house price can rise1552 yuan. Only when the house price per square meter rises by 13.5%, Mr. Zhao's income from buying a house is equal to that from renting a house; If the increase is less than 13.5%, then buying a house is not as cost-effective as renting a house; If the price increase is higher than 13.5%, then buying a house is more cost-effective than renting a house.

Suggestion: We should also consider our own actual situation.

On the surface, it is not difficult for house prices to rise in 15 years 13.5%. In the past, 15, the price increase far exceeded 13.5%, but from the actual situation, considering various comprehensive factors, buying a house is not necessarily more cost-effective than renting a house.

First of all, Qingdao's housing prices have just experienced a round of soaring. At present, the housing price in the city has reached more than RMB 1 1000 per square meter. After the house price reaches a certain height, the growth rate will slow down. At present, the property market is under regulation and it is unlikely to rise sharply in the short term.

Second, not everyone is suitable for buying a house. For some specific people, renting a house is more suitable for their actual situation than buying a house. After all, whether buying a house or renting a house, ensuring a better quality of life is the ultimate pursuit.

On the other hand, renting a house is not necessarily more cost-effective than buying a house, except for a simple numerical comparison. The advantage of renting a house is that you will have a lot of money on hand, but the key is whether the funds have suitable investment channels to ensure appreciation. At present, prices are rising rapidly, and if there is no good investment channel, this fund will face depreciation.

In addition, industry insiders said that the above example is only an idealized state for the convenience of comparison, and the interest rate is also the benchmark interest rate. At present, the housing loan interest rate in this city has been loosened, and some banks have introduced a 15% discount. Interest rate leverage in the property market is very important, and its change is also a factor that must be considered.

(The above answers were published on 20 17-02-24. Please refer to the actual situation for the current purchase policy. )

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