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  • Renting vs Buying

    租用與購買

  • 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。

  • waste of money.

    浪費錢。

  • It's like burning money.

    這就像燒錢一樣。

  • You are paying someone else's mortgage.

    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。

  • the long run.

    從長遠來看,。

  • When you rent, you are not throwing away money.

    當你租房的時候,你不是在扔錢。

  • You are getting something in return.

    你是有回報的。

  • 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。

  • service.

    服務。

  • 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。

  • a car, so does when you rent a house.

    車,租房子的時候也是如此。

  • 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

  • rent, you are getting a place to stay.

    租金,你是得到一個地方住。

  • 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

  • money.

    錢。

  • And that's where the misconception starts.

    這就是誤區的開始。

  • 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

  • rent instead of buy.

    以租代買。

  • 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"。

  • animations?"

    動畫?"

  • The answer is, I don't!

    答案是,我沒有!

  • 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。

  • animations.

    動畫。

  • 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。

  • platform.

    臺。

  • 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。

  • And now, lets get back to the video.

    現在,讓我們回到視頻上。

  • 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

  • that's a whole different story.

    這是一個完全不同的故事。

  • 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

  • stays the same.

    保持不變。

  • 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。

  • monthly payment would equal to $1216.

    月供相當於1216元。

  • That's principal plus interest.

    那就是本金加利息。

  • 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.

    而租房無疑是浪費錢。

  • 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

  • if we are talking about 30 years.

    如果我們談論的是30年,

  • 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.

    衛生間每隔X年需要更換一次。

  • 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%。

  • house annually.

    房子每年。

  • Let's take an average of 2.5%.

    我們以平均2.5%為例。

  • 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。

  • than that.

    比這。

  • 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。

  • But let's do the math.

    但我們來算算看。

  • 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

  • would equal to $728,179 30 years later.

    30年後將相當於728179美元。

  • 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

  • prices can also go down.

    價格也可以下降。

  • 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

  • in the stock market.

    在股票市場上。

  • 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。

  • has been 10 percent.

    一直是10%。

  • 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.

    是每個月532元的機會成本。

  • Lets assume you will invest that money as well.

    假設你也會投資這些錢。

  • 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

  • 8 percent over 30 years would equal $1,353,108.

    8%,30年後等於1,353,108美元。

  • Your friend who has been renting all this time and investing the difference will end

    你的朋友一直在租房,投資差價,最後會有

  • up with 1.3 million dollars while you with a house that would worth $728K.

    與130萬美元,而你的房子,將價值72.8萬美元。

  • What do you think is better, 1.3M of liquid assets or a house worth 728K.

    你覺得100萬的流動資產和價值72.8萬的房子哪個好。

  • When you look at it from this perspective, things start looking completely different.

    當你從這個角度看,事情開始變得完全不同。

  • However, even these are not the most accurate number because we didn't take into account

    然而,即使是這些也不是最準確的數字,因為我們沒有考慮到。

  • at least a 2 percent rent increase annually.

    每年至少增加2%的租金;

  • But so does the cost of your maintenance would grow with inflation.

    但你的維護成本也會隨著通貨膨脹而增長。

  • You can be frugal with your house and only spend 1% of the value of your house on maintenance.

    你可以省吃儉用,只花房子價值的1%在維護上。

  • We also didn't into account the interest deduction you get with purchasing a house.

    我們也沒有考慮到買房時的利息扣除。

  • Or you might need to renovate your house, but you might not have the means to do that,

    或者你可能需要裝修你的房子,但你可能沒有辦法這樣做。

  • so you end up paying with a credit card, for example, and pay an astronomical interest

    所以你最終用信用卡支付,例如,並支付天文數字的利息。

  • on top of it.

    在它上面。

  • But the point is, buying a house isn't always the best investment and renting isn't always

    但問題是,買房不一定是最好的投資,租房也不一定是最好的投資。

  • a waste of money because it gives you an opportunity to invest elsewhere, especially if you are

    浪費錢,因為它給了你一個在其他地方投資的機會,特別是如果你是

  • planning to live there for just a few years since the cost of selling that property and

    由於出售該房產的費用和計劃在那裡住上幾年。

  • getting a new one would easily make it even more expensive.

    得到一個新的很容易使它更昂貴。

  • Even if you get a mortgage now when interest rates are so low.

    即使你現在利率這麼低,還能拿到抵押貸款。

  • The equation isn't going to change much because if it's adjustable, then your mortgage rate

    等式不會有太大的變化,因為如果它是可調整的,那麼你的抵押貸款利率。

  • would increase in a year or two once life gets back to normal.

    會在一兩年內增加,一旦生活恢復正常。

  • if it's fixed, the market is slightly overvalued, as we have explored in a previous video, which

    如果是固定的,那麼市場的價值就會略微高估,我們在之前的視頻中已經探討過了,那就是

  • means there could be a correction in the next few years, and your final net worth be less

    意味著未來幾年可能會有一個修正,而你的最終淨值會減少。

  • than $728K. And if, for some reason, interest rates drops further in the future since that's

    比72.8萬元。而如果因為某些原因,未來利率進一步下降,因為那就是

  • where they seem to be moving in the long run, you won't be able to take advantage of that.

    在他們看來長期移動的地方,你將無法利用這一點。

  • Thirty years is a long period of time.

    三十年是一個漫長的時期。

  • I can't imagine how my life, for example, would look like in 30 years, a lot could change,

    我無法想象,比如說我的生活,30年後會是什麼樣子,很多事情都可能發生變化。

  • and the pandemic is real time evidence of that.

    和疫情的實時證據。

  • Those who were renting and were able to work from home all this time had the opportunity

    那些租房的人,這段時間能在家工作的人,有了機會

  • to move to a more affordable city and save a fortune on rent, while those who purchased

    遷到更實惠的城市,節省一筆租金,而那些購買了

  • a house had no other option but to stay.

    一間房子除了留下,別無選擇。

  • The world is changing so rapidly that locking yourself in a single neighborhood isn't always

    世界變化太快了,把自己鎖在一個小區裡並不總是

  • the best option, especially when we have more effective tools to build wealth that our parents

    最好的選擇,尤其是當我們擁有更有效的工具來積累財富,而我們的父輩們

  • didn't have access to, such as the opportunity to invest in the stock market from the comfort

    的機會,比如在舒適的環境中投資股市。

  • of your smartphone cost-free.

    的智能手機免費。

  • That doesn't mean you should not buy a house, in your case, maybe buying a house is a better

    這並不意味著你不應該買房,就你的情況而言,也許買房是比較好的選擇

  • option since it aligns with your goals.

    選項,因為它與你的目標一致。

  • So should you buy or rent?

    那麼是買還是租呢?

  • It dependence on your circumstance.

    這取決於你的情況。

  • Dont forget to check out our sponsor skillshare, they really have some amazing courses, including

    不要忘了檢查我們的贊助商技能共享,他們真的有一些驚人的課程,包括

  • on how to invest in the stock market.

    關於如何投資股市。

  • The link is in the description.

    鏈接在描述中。

  • Thanks for watching and until next time.

    謝謝你的觀看,直到下一次。

Renting vs Buying

租用與購買

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