关于是租房好还是买房好,如今的争论很多.
拥有自住物业并不是这辈子一定要做的事,租房子居住也是正常的状态.买不买房,也完全是私人的事,一切取决于个人对形势的判断,取决于个人倾向的机会成本.有人认为房价已经到了高点可以出手了,有人认为将房产变现投资股市将获利更多,这都由个人性格判断决定.
人一生到底会买几次房?中国商品房市场发展的时间太短,暂时不能有准确的结论.不过,从美国最大的普尔特房地产公司细分的11种客户中会得到一些启示.
普尔特的客户细分如下:首次置业、常年工作流动人士、单人工作丁克家庭、双人工作丁克家庭、有婴儿的夫妇、单亲家庭、成熟家庭、富足成熟家庭、空巢家庭、大龄单身贵族、活跃长者.因此看出,一个人的一生中,对于住宅的需求,至少会经历其中的四五个细分阶段.可以这么说,买房置业是一个都市人一生中需多次进行的一项重大消费活动,区别只在于,有人是精心计划后投资,而有人只是糊里糊涂地入市.
做到自己能够分期付款负担的住宅者,不能被称为房奴,与之相比,长期租房才更像是房奴.因为,租房的人,是为房东打工,永远没有从奴转变为主的机会.其实大多数时候,买一个适合自己财务状况的物业,除了收复,每个月的还款和个人自己的租房租金,是相差不多的……
About is rent good or buy a house good, today's debate a lot.
Have to live oneself property is not in this life must do, rent housing is a normal state. Buy not to buy a house, also is completely private matter, everything depends on individual of judgement of the situation, depends on the individual tendency of opportunity cost. Somebody thinks that house prices have already arrived peak can shot somebody thinks will housing realizable investing in the stock market will earn more, this all by individual character judgement decision.
A person's life will end up buying a few times room? China commodity market development time too short, unable to have accurate conclusions. However, from America's largest real estate company subdivision of pulte 11 kinds of customers will get some enlightenments.
Pulte customer segmentation is as follows: the first home ownership, perennial work flow personage, single work dink family, double work dink family, have baby couples, single-parent families, mature family, rich mature family, empty nester family, older lone noble, active elders. So that a person's life, the demand for residential, will experience at least one of the four or five subdivision stage. We can say so, buy a house property is a must for many times in life urbanite is a major consumption activities, the difference is only, someone is careful planning investment, and someone just loft-bed land market.
Do oneself can instalment burden of residential person, cannot be called a mortgage slave, by contrast, long-term renting ability is more like a mortgage slave. Because, rent, is for the landlord jobs, and never change from slavery mainly of opportunity. Actually most time, buy a suit oneself financial status of the property, in addition to recover, every month of the reimbursement and personal own rent rent, is similar in...