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标  题: Re: 想不清楚了，买房子到底赚还是亏

http://gengwg.blogspot.com/发信人: majiaknight (The Dark Knight of Majia), 信区: SanFrancisco
标  题: Re: 想不清楚了，买房子到底赚还是亏
发信站: BBS 未名空间站 (Wed Jul 29 17:21:18 2015, 美东)

假设房子本身不升值（其实主要是土地升值，房子本身是折旧贬值的），也不考虑主观
居住品质改善的话：

1.租房价格每年都会涨，至少大于通货膨胀的幅度；

2.贷款的利息部分每年可以抵税，根据收入，房产税也可能可以抵税；

3.如果考虑30年时间间隔，从asset allocation的角度，real estate也是diversify你
的其它股市投资，30年后至少你还有套房啊，租房不都白交租金了，啥都不剩啊。

4.如果长期看好房市，首付20%相当于另外加了4倍的杠杆来投资，碰到过去几年的行情
，转手卖掉收入颇丰。


【 在 woshilaoniu (老牛) 的大作中提到: 】
: 假设买一个120w的房子
: 如果租这种房子的话，大概一个月3500吧，一年4.2w
: 如果买的话，贷款100w，30年利息部分就是70w，每年就是7/3 = 2.3w. 再加上
: property tax每年1.5w.  各种维护装修杂七杂八，一年也差不多要4~5w了。假设房子
: 不升值，哪里算错了吗

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