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现在这个年头还是慎重考虑为妙,以前我总是听到人们说买房肯定比租房合适,我猜你家老人也是这个观点。最近我从银行里搞到了一本名叫Morgage Wise的小册子。

本文发表在 rolia.net 枫下论坛这是Canadian Bankers Association发行的一本专门介绍Mortgage的资料。上边第四页写着这么一段话:Also consider whether buying id, in fact, the right choice for you. We've often heard that buying is always better than renting. From an investment point of view, this isn't always the case. When comparing owning to renting, it's a numbers game:you have to add up all of the figures, including the cost of your home, the size of your down payment, utilities, inmediate repairs, interest rates and insurance,and compare them to how much you spend on rent. Of course, you have to look at the enjoyment and satisfaction you'll derive from owning your own home, as well as potential increases in your property's value during the time you own it.
其实说穿了,买房子的目的无非主要是两点,一是享受,二是投资。上述银行的资料已经明白无误地告诉我们买房不一定是好的投资。至于享受,每个人的观点恐怕都不一样,但我觉得如果买了房以后要成天节衣缩食或者要担心自己的工作丢了没法pay mortgage,那实在是谈不上什么享受了。
建议你还是仔细算一下买和租的帐,考虑清楚可能的收益和风险,再做决定,从你叙述的情况来看,我感觉是风险过大。更多精彩文章及讨论,请光临枫下论坛 rolia.net
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Replies, comments and Discussions:

  • 枫下家园 / 住房话题 / 今日接家父电话,循循善诱,谆谆教导,嘱我买房勿租房,然小子年薪只4万,又处于水深火热的Internet行业,实在无胆。几经精算,仍捉襟见纣,请各位前辈指教,谢谢。
    • 暂缓吧
    • Agree with eglinton. Do you have your family with you? If you are a single, it will be better for you to rent.
      • 谢谢。我太太和儿子都送回国了,再过几个月就要回来,最近找房子,发现房租很贵,900以下的房子有点对不住妻儿,900以上似乎不如买房,头痛。父母愿意资助首期,却不知怎么把钱弄过来,再痛。股票套牢,痛不欲生。。。
        • 可以试试蚂蚁搬家,先分若干次让可信任的人把钱带到香港去,然后再寄到加拿大来就可以了。按照父母赠送的名义,你不必为此纳税。
    • 现在这个年头还是慎重考虑为妙,以前我总是听到人们说买房肯定比租房合适,我猜你家老人也是这个观点。最近我从银行里搞到了一本名叫Morgage Wise的小册子。
      本文发表在 rolia.net 枫下论坛这是Canadian Bankers Association发行的一本专门介绍Mortgage的资料。上边第四页写着这么一段话:Also consider whether buying id, in fact, the right choice for you. We've often heard that buying is always better than renting. From an investment point of view, this isn't always the case. When comparing owning to renting, it's a numbers game:you have to add up all of the figures, including the cost of your home, the size of your down payment, utilities, inmediate repairs, interest rates and insurance,and compare them to how much you spend on rent. Of course, you have to look at the enjoyment and satisfaction you'll derive from owning your own home, as well as potential increases in your property's value during the time you own it.
      其实说穿了,买房子的目的无非主要是两点,一是享受,二是投资。上述银行的资料已经明白无误地告诉我们买房不一定是好的投资。至于享受,每个人的观点恐怕都不一样,但我觉得如果买了房以后要成天节衣缩食或者要担心自己的工作丢了没法pay mortgage,那实在是谈不上什么享受了。
      建议你还是仔细算一下买和租的帐,考虑清楚可能的收益和风险,再做决定,从你叙述的情况来看,我感觉是风险过大。更多精彩文章及讨论,请光临枫下论坛 rolia.net
      • 我们现有10万加币,买一套25万-30万双层house加basement, 自住一层,首期25%,地下室及一层出租,租金可用来交大部分的按揭,这样压力就不会很大,您说这样可行得通?能否给点意见?
        • 你的PROFILE上写你在深圳,不知你现在登陆了没有?如果是新移民,没有银行信用记录,DOWNPAYMENT是35%,这样25万的房子首期接近9万。
          如果你只有10万,建议不要买房,我认为压力会很大;如果你除了10万还有其他储蓄,这10万只是打算买房用的,我建议买CONDO,在交通便利的地方,面积小一点(一家够住就可以了)。这样压力相对小一些,住的肯定比把HOUSE分租出去舒服,将来再买HOUSE,CONDO可以租出去,租金可以用来供HOUSE。
          以上建议是针对有些积蓄、没有稳定工作的新移民的。如果你已经在加拿大有稳定工作,当然可以考虑买HOUSE,如果你喜欢热闹,分租出去应该可以减轻不少负担。