租房還是買房 - 投資
By Caroline
at 2021-04-25T11:25
at 2021-04-25T11:25
Table of Contents
小弟一家人要移民美國,對於租房還是買房想了很久,向各位大大請益
目前房價上看40萬,可運用現金有20萬美,房地稅一年4000,租房則是一個月2000,目前
房貸貸款30年利率則是3.5%。若買房,預計四年後要搬家,會賣掉
有三個選項:
1. 買房,頭期款20% 8萬,貸32萬,有12萬可以投資ETF
2.買房, 20萬all in, 貸款20萬
3.租房,一個月2000,有20萬可以運用
目前傾向買房,投資房地產和股票可以分散風險。若以VTI年化報酬率8%來算,好像選項1
最合適。不知各位意見如何?
謝謝
--
目前房價上看40萬,可運用現金有20萬美,房地稅一年4000,租房則是一個月2000,目前
房貸貸款30年利率則是3.5%。若買房,預計四年後要搬家,會賣掉
有三個選項:
1. 買房,頭期款20% 8萬,貸32萬,有12萬可以投資ETF
2.買房, 20萬all in, 貸款20萬
3.租房,一個月2000,有20萬可以運用
目前傾向買房,投資房地產和股票可以分散風險。若以VTI年化報酬率8%來算,好像選項1
最合適。不知各位意見如何?
謝謝
--
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