華爾街的賺錢經(jīng) 第32期:你適合買房還是租房(2)

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Can you handle the monthly expense? While a monthly mortgage payment may be comparable in some cases to a monthly rent, there are other expenses to consider.

你能承擔(dān)得起每月所需的費(fèi)用嗎?雖然在有些情況下，月供跟你每月租房的費(fèi)用差不多，不過買房后，還會產(chǎn)生一些其他費(fèi)用。

To get a feel for the financial burden you'll be taking on and to see if you can handle it---"practice" making payments. Each month, set aside projected mortgage and property-tax payments, maintenance costs, utilities and any other home-related expenses into a separate savings account, says Gary Smola, a certified financial planner with financial-educational firm Financial Finesse.

要切身體會買房后的經(jīng)濟(jì)負(fù)擔(dān)一一也是為了看你能否承擔(dān)得起——“演練”一下每月的還款吧。理財教育公司的注冊理財規(guī)劃師加里·斯莫拉說，“每個月，把預(yù)期的月供、房產(chǎn)稅、維修費(fèi)用、公共事業(yè)費(fèi)及其他與房子相關(guān)的費(fèi)用單獨(dú)存入一個賬戶”。

What's the price-to-rent ratio? "Home prices have come down significantly in some areas of the country, but nobody knows what tomorrow's going to bring in the housing market," says Daniel Morris, a certified public accountant in San Jose, Calif.

房屋租售比如何?加利福尼亞州圣何塞的注冊公共會計(jì)師丹尼爾·莫里斯說，“在美國有些地區(qū)，房產(chǎn)的價格跌得非常厲害，不過誰也不知道房產(chǎn)市場下一步走勢如何。”

To determine whether it makes more financial sence to buy or rent in your area, compare home sales prices with the cost of renting a similar place.

要想判斷在你所在的地區(qū)是買房劃算還是租房劃算，可以將房價與同類房屋的租價做一番比較。

Divide the price of the home by the total cost of rent for one year. If the result is more than 20, "I'd be very concerned that the price (of the home ) might fall more" says Mr. Baker, and you should consider waiting to buy. If it's 15 or below, he says, "you're probably reasonably safe with prices holding steady or growing.

貝克認(rèn)為，如果將房價除以一年的租價得出的結(jié)果大于20，“我就會擔(dān)心房價極有可能還會再跌，”你就應(yīng)該考慮再觀望些時候了。他說，“如果結(jié)果小于等于15，買入應(yīng)該還是相當(dāng)安全的，因?yàn)榉績r會保持穩(wěn)定，甚至還會上升”。

What is your job and relationship status? Twenty somethings are still getting a grasp on their futures and a constantly changing lifestyle might require the flexibility of renting.

你目前的工作如何，跟伴侶的關(guān)系如何?80后人群還處在事業(yè)的打拼階段，個人生活也會經(jīng)常發(fā)生變動，也許還是租房——這種靈活的方式更適合他們。

"But if your career stability is strong, you are comfortable doing what you're doing and you are committed in some form to your lifestyle, "Mr. Morris says, "buying a home becomes a more attractive option."

莫里斯說，“不過，如果你的工作非常穩(wěn)定，你對現(xiàn)狀非常滿意…個人生活也相對穩(wěn)定，那么買房就更具吸引力”。