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本帖最后由 闲云野鹤 于 2017-5-1 14:33 编辑
要不要给上大学的孩子买房？这是很多父母要考虑的问题，如果孩子在外租房超过每月1000元以上，不妨来算一算是租房划算还是买房划算。
假设给孩子买个25万的小公寓，支出如下，分贷款80%和不贷款：
Home Ownership Expense Calculator |
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| | | | | | | | Mortgage Information and Assumptions | | | | | Purchase Price (Value) | $ 250,000 | | $ 250,000 | | | Down Payment percentage | 20.00% | | 100.00% | |
| Down Payment | $ 50,000 | | $ 250,000 | | | Length of Mortgage (years) | 25 | | 25 | | | Yearly Mortgage Interest Rate | 2.20% | | 3.10% | | | Yearly Property Tax | 1.20% | | 1.20% | | | Yearly Homeowners Insurance | 0.12% | | 0.12% | | | Monthly Private Mortgage Insurance (PMI) | $ - | | $ - | | | ! | Yearly Maintenance | $ 700 | | $ 700 | | | ! | Yearly Improvements | $ 1,300 | | $ 1,300 | | | Condo Fee | $ 3,000.0 | | $ 3,000.0 | | | | | | | | | Monthly Housing Payment | | | | | | Loan Amount | $ 200,000.00 | | $ - | | | Mortgage Payment (PI) | $867.32 | | $0.00 | | | * | Property Tax (T) | $250.00 | | $250.00 | | | * | Insurance (I) | $25.00 | | $25.00 | | | * | Condo Fee | $250.00 | | $250.00 | | | Monthly Housing Payment (PITI) | $1,392.32 | | $525.00 | | | | | | | | |
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买下房子后，每月还要还贷款和公寓管理费及地税。如贷款80%，每月要支出1392.32元。无贷款的话每月支出525元。水电费及上网费没算在里面。
五年后卖房：假设还是250000元卖出：
| 20% downpay | | 100%downpay | | lawyer fee | 1300 | | 1300 | | land transfer fee | 2250 | | 2250 | | monthly fee | $83,539.03 | | $31,500.00 | | commison | $ 10,000.00 | | $ 10,000.00 | | balance | 168277 | | 0 | | sell 250000, leftover | 81723 | | 250000 | | leftover-downpay-montly fee-lawyer fee-landtransferfee | $ (65,366.03) | | $ (45,050.00) | | equals monthly paid | $ (1,089.43) | | $ (750.83) | | | | | | principle | 50000 | | 250000 | | interest after tax | 1200 | | 6000 | | equals monthly paid after interest lost | $ (1,109.43) | | $ (850.83) |
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此处红字部分相当于每月的花销，这里首付的利息是按0.8%算出的5年总和。
如五年后卖了26万：
| 5% downpay | | 100%downpay | | lawyer fee | 1300 | | 1300 | | land transfer fee | 2250 | | 2250 | | monthly fee | $83,539.03 | | $31,500.00 | | commison | $ 10,400.00 | | $ 10,400.00 | | balance | 168277 | | 0 | | sell 260000, leftover | 91723 | | 260000 | | leftover-downpay-montly fee-lawyer fee-landtransferfee | $ (55,766.03) | | $ (35,450.00) | | equals monthly paid | $ (929.43) | | $ (590.83) | | | | | | principle | 50000 | | 250000 | | interest after tax | 1200 | | 6000 | | equals monthly paid after interest lost | $ (949.43) | | $ (690.83) |
红字部分是相当于每月支出， 如果孩子租房超过红字部分，则还是买房划算。修房管理等，孩子管不明白也没时间管，那就让物业管理公司去操心吧。
文学城怀着我的梦想有很多不错的文章，这里列出几个：
http://blog.wenxuecity.com/myblog/29884/200711/26408.html
http://blog.wenxuecity.com/myblog/29884/201106/8259.html
http://blog.wenxuecity.com/myblog/29884/201106/18097.html
梦姐买的是多伦多的房子，有收入有增值，我这篇文章里是假设房价不涨利息固定，但孩子在异地求学房租挺高的前提下算出该买房，可以避免过一段时间就搬家的麻烦，而且生活质量也比住学生公寓强得多。
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发表于 2017-5-1 13:48:28
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发表于 2017-5-1 14:05:16
