Daily Productive Sharing 955 - Rent or Buy a House?
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Regarding whether to buy or rent a house, Nick Maggiulli has provided a simple criterion based on your inflation expectations during the mortgage period:
- If you believe that inflation will be high during the mortgage period, then you should buy a house;
- Otherwise, you can choose to rent. Nick himself has chosen to rent;
- If you choose to buy a house, it means you will make a large down payment and have monthly mortgage payments, but after paying it off, you will fully own this fixed asset;
- If you choose to rent, you will need to pay monthly rent, which may also increase with inflation; of course, since you don't need a large down payment, you can invest that money;
- Of course, all of the above considerations are purely from a financial perspective, and often there are other factors to consider when buying a house, such as marriage.
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关于买房还是租房，Nick Maggiulli 给出了一个简单的判断条件，就是你对还贷周期内的通胀预期：
- 如果你觉得在还贷周期内，通胀处于高位，那么就买房；
- 反之，你可以选择租房。Nick 自己选择的是租房；
- 如果你选择买房，那么意味着你会支付一大笔首付，并且每月要还贷，但还清之后，你就完全拥有这份固定资产；
- 如果你选择租房，那么每月需要付房租，而且房租可能还会随着通胀而上涨；当然，因为不需要一大笔首付，你可以拿这笔钱去投资；
- 当然，以上都是纯理财角度的考虑，很多时候买房还有其他考虑因素，比如婚姻。
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