Name: 為什麼買房是浪費錢--買房與租房的比較 (Why Buying a House is a Waste of Money - Buying vs Renting)
Uploaded: 2020-12-18T19:55:48.000Z
Duration: 11 min 6 s

動名詞

I can't stop meeting people who time to time, try to convince me that renting is an absolute

我不能停止遇到的人誰時間，試圖說服我，租房是一個絕對的。

你是在為別人的抵押貸款買單。

Why would you waste a fortune on rent when you can take a mortgage and end up with a

你為什麼要浪費一大筆錢在租金上，而你可以抵押貸款，並最終與一個。

house even if that means you have to wait 30 years.

房子，即使這意味著你要等30年。

To be honest, this is dumb logic, even if we assume that buying a house is cheaper in

說實話，這是個愚蠢的邏輯，即使我們假設買房便宜在。

When you rent, you are not throwing away money.

當你租房的時候，你不是在扔錢。

When you get an Uber, you don't get the car.

當你得到一個Uber，你不得到車。

You don't get the driver, you are not getting the company either, you are just getting a

你沒有得到司機，也沒有得到公司，你只是得到了一個。

The uber is going to take you from point A to point B, which is the whole purpose of

uber要把你從A點帶到B點，這是整個目的。

The point of the house isn't to own it but to have a roof over your head, so when you

房子的意義不在於擁有它，而在於有一個屋簷，所以當你

But you always need a place to stay, that's why most people still assume that renting

但你總是需要一個住的地方，這就是為什麼大多數人仍然認為，租房

is a waste of money, especially when you have an option to buy a house for the exact same

是浪費錢，特別是當你有一個選擇買房子完全相同的

And that's where the misconception starts.

Most people do not compare all the cost that comes with buying a house and only take into

大多數人不會比較買房的所有費用，只考慮到

account the usual price tag and compare it directly to renting.

賬戶通常的價格標籤，並直接與租賃進行比較。

But in this video, you will find out how you can end up with millions of dollars if you

但在這段視頻中，你將會發現如何能最終獲得數百萬美元，如果你

But before we do that, let's thank Skillshare for sponsoring this video.

但在這之前，讓我們感謝Skillshare對這個視頻的贊助。

One of the most common questions I get here on YouTube is, "How do you create such stunning

我在YouTube上收到的最常見的問題之一是，"你是如何創造如此令人驚歎的"。

We have a brilliant team of graphic designers who use Adobe Softwares to create these brilliant

我們擁有一支優秀的平面設計團隊，他們使用Adobe軟件來創造這些輝煌。

And if you want to learn to make similar animations or even better, you have to take this course

如果你想學習製作類似的動畫，甚至更好，你必須參加這個課程。

by Skillshare because it will teach you everything you need to start, and its taught by none

由Skillshare，因為它將教你一切你需要開始，其教無

other than Kurzgezat -the YouTube channel that makes the best animations on the entire

而不是Kurzgezat--YouTube上最棒的動畫頻道。

Skillshare is an online learning community for creatives, where millions come together

Skillshare是一個創意者的在線學習社區，數以百萬計的人聚集在這裡。

to take the next step in their creative journey.

以期在他們的創意旅程中邁出下一步。

Skillshare offers thousands of inspiring classes for creative and curious people on topics

技能共享提供了數以千計的鼓舞人心的主題創意和好奇的人的課程

including illustration, design, photography, video, freelancing, and more.

包括插畫、設計、攝影、視頻、自由職業等。

And all that is for less than dollars a month with an annual subscription.

而這些都是每月不到美元的年費。

But here is the juicy part, The first 1000 people who click the link in my description

但這裡是多汁的部分，前1000名點擊我描述中的鏈接的人。

will get a free trial of Skillshare premium.

將獲得技能共享高級版的免費試用。

By the way, you will be supporting the channel by signing out to Skillshare.

對了，你簽到技能共享，就是對頻道的支持。

Just to be clear, We are not talking about buying a house for investment purposes because

需要說明的是，我們並不是說買房是為了投資，因為

Let's say your friend going to take his parent's advice and take a mortgage because his parents

比方說，你的朋友要聽從他父母的建議，去貸款，因為他的父母。

told him that renting is a waste of money, and you are going to rent.

告訴他，租房是浪費錢，你要去租房。

Let's find out how your net worths would look like 30 years later assuming everything else

讓我們來看看30年後你們的淨資產會是怎樣的，假設其他一切都不存在的話

A 300K dollar house can be rented for around 1800 dollars, but if you take a 30-year mortgage,

30萬的房子可以租到1800元左右，但如果你貸款30年。

even if we take pre-pandemic mortgage rates, it would be around 4.5 percent , so your total

即使我們把流行前的抵押貸款利率， 它將是4.5％左右，所以你的總。

If you base your decision solely on these two figures, a mortgage is clearly cheaper,

如果你僅僅根據這兩個數據來決定，房貸顯然更便宜。

and renting is undoubtedly a waste of money.

Unfortunately, that is not the whole story.

不幸的是，這並不是故事的全部。

Everything starts to change once you factor in other expenses.

一旦考慮到其他開支，一切都開始改變。

If you count in insurance and property taxes, that amount would equal around $1707.

如果算上保險和房產稅，這筆錢約等於1707元。

Even at this point, buying seems a better deal than renting, and I couldn't agree more.

即使在這一點上，買房似乎比租房更划算，我也非常同意。

But we have to be realistic and count in other expenses that come with owning a house.

但我們要實事求是，把擁有房子後的其他支出也算進去。

Maintaining a house is sometimes more expensive than the house's actual price, especially

維護房子有時比房子的實際價格還要貴，尤其是

The land under your feet might appreciate, but everything else starts losing value.

你腳下的土地可能會升值，但其他的一切都開始失去價值。

The kitchen might need to be replaced every 10, 15, or 20 years.

廚房可能每10年、15年、20年就需要更換一次。

Every piece of furniture has an expiration date; the couch can't last 30 years.

每件傢俱都有有效期，沙發不可能用30年。

You gotta change the roof every 10 or 15 years.

每隔10年或15年就得換一次屋頂。

The bathroom needs to be replaced every X number of years.

If you ever owned a house, you know that maintaining a house is not cheap!

如果你曾經擁有過房子，你就會知道，保養房子並不便宜!

But When you rent, you don't have all of these expenses!

但是當你租房的時候，你就沒有這些費用了!

Usually, the cost of maintaining a house is between 1 to 5 percent of the price of the

通常情況下，維護房屋的費用占房價的1%至5%。

Our monthly maintenance cost would equal to $625.

我們每個月的維護費用相當於625元。

You are not necessarily going to pay $625 every month, but if we round it up over the

你不一定每個月都要付625元，但如果我們把它四捨五入，超過了625元。

course of 30 years, that's a realistic number, and in some cases, it could be even higher

30年，這是一個現實的數字，在某些情況下，它可能會更高。

So your total cost of ownership raises to $2332 a month while renting is $1800.

所以你的總擁有成本提高到每月2332元，而租房是1800元。

But even if you compare these numbers, buying still seems like a better deal.

但即使對比這些數據，買入還是顯得比較划算。

Yes you are slightly overpaying, but 30 years down the road, you will end up with a property

是的，你稍微多付了一點錢，但30年後，你最終會得到一個財產。

that would worth hundreds of thousands of dollars if not millions while your friend

價值幾十萬美元，如果不是百萬美元，而你的朋友

who was renting all this time will be left with nothing.

誰是租了所有的時間將離開什麼。

Assuming your house appreciates by 3 percent a year, the future value of your property

假設你的房子每年升值3%，那麼你的房產未來的價值為

Assuming anything higher than that is too unrealistic, to say the least, since home

假設比這更高的話，至少可以說是太不現實了，因為自家的

The only thing that is missing from this equation is the opportunity cost.

這個等式中唯一缺少的就是機會成本。

When taking a mortgage, you had to make a 20% downpayment which equals to 60K dollars.

辦理按揭貸款時，你必須支付20%的首付，相當於6萬元。

You could have spent that money to start a business, a corner shop, or anything else

你可以把錢花在創業上，開個街角店，或者其他什麼地方

that would generate income but in this hypothetical example, let's assume you would invest it

但在這個假設的例子中，讓我們假設你會將它投資於

And since we are talking about a period of 30 years, it's fair to say that we can expect

既然我們談論的是30年的時間，那麼可以公平地說，我們可以期待的是

at least an 8 percent rate of return since the average rate of S&P500 over the long-run

至少8％的回報率，因為標準普爾500指數長期以來的平均速度。

Your monthly mortgage payment is $2332, but renting a similar house is $1800, so there

你的月供是2332元，但租一個類似的房子是1800元，所以有

is an opportunity cost of $532 every month.

Lets assume you will invest that money as well.

With the power of compounding, 60K with a monthly contribution of $532 at a rate of

在複利的力量下，6萬的月繳費額為532元，按照