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  • Mark Twain once said: "Buy land, they're not

    馬克-吐溫曾經說過"購買土地,他們不是

  • making it anymore."

    再也不做了。"

  • Real estate is one of the oldest industries in the world.

    房地產是世界上最古老的行業之一。

  • It's not a coincidence that we have been told that a house is the best investment you can

    有人告訴我們,房子是你最好的投資,這並不是巧合。

  • ever make.

    曾經做過。

  • Of course, in the 21st century, we have far more investing tools than generations before

    當然,在21世紀,我們擁有比前幾代人多得多的投資工具

  • us had.

    我們有。

  • Derivatives, options, bonds are no longer the instruments that only the rich have access

    衍生品、期權、債券不再是隻有富人才能使用的工具。

  • to.

    到。

  • With a simple investing app on your 200 dollar smartphone, you can start trading stocks.

    只要在你200美元的智能手機上安裝一個簡單的投資應用程序,你就可以開始交易股票。

  • And besides, best-performing investments are not even coming from the rich but from the

    此外,表現最好的投資甚至不是來自於富人,而是來自於

  • bottom, such as the Cryptocurrencies that are challenging the status quo.

    底,如挑戰現狀的加密貨幣。

  • Regardless of all of these investments, real estate still remains the king of investments.

    不管所有這些投資,房地產仍然是投資之王。

  • Because unlike anything else, it simple, you can touch it, and easy to understand.

    因為與其他東西不同,它很簡單,你可以觸摸它,而且容易理解。

  • You don't have to look far for some evidence,

    你不需要到遠處去尋找一些證據。

  • once worlds richest man, bill gates is also pouring millions into real estate,, Bill Gates

    曾經的世界首富比爾-蓋茨也在為房地產傾注數以百萬計的資金,,比爾-蓋茨

  • now is America's Biggest Owner Of Farmland.

    現在是美國最大的農田所有者。

  • he purchased 242,000 acres of farmland across the U.S. — enough to make him the top private

    他在美國各地購買了242,000英畝的農田--這足以使他成為美國最大的私營企業。

  • farmland owner in America.

    美國的農田所有者。

  • But regardless of how great this market is,

    但不管這個市場有多大。

  • it still goes through ups and downs, and if you end up buying a house when the market

    它仍然經歷著起伏,如果你最終在市場上買了一個房子

  • is at its peak, you are going to lose because sooner or later, the value of your house will

    處於高峰期,你將會失去,因為你的房子的價值遲早會消失。

  • crash.

    崩潰。

  • And there is a huge difference between buying a house and investing in real estate.

    而買房子和投資房地產之間有很大的區別。

  • They might look as if they are the same thing, but your needs usually do not align with what

    它們可能看起來好像是同一件事,但你的需求通常與你的想法不一致。

  • is better from an investing point of view.

    從投資的角度來看是更好的。

  • So as a real estate investor, I want to share with you why millennials should not buy a

    是以,作為一個房地產投資者,我想與你分享為什麼千禧一代不應該購買一個

  • house, or at least, if you are buying a house, you have to consider all these factors that

    如果你要買房子,或者至少,如果你要買房子,你必須考慮所有這些因素。

  • I am about to share with you.

    我即將與你分享。

  • So give this video a thumbs up, and let's jump right into it

    是以,請為這段視頻豎起大拇指,讓我們直接進入正題吧!

  • Bidding is a bad sign.

    競價是一個不好的跡象。

  • 
 A house with an asking price of 3.5 million

    一所要價350萬的房子

  • dollars was sold for 4.5 million dollars because the seller received 7 offers, and the price

    美元的價格以450萬美元售出,因為賣家收到了7個報價,而該價格

  • bid kept rising to the point where the house was sold for an extra million dollars.

    出價不斷上升,以至於房子多賣了一百萬美元。

  • If you are the seller, that's a good sign.

    如果你是賣家,這是個好跡象。

  • If you are a buyer, then you might be wondering whether it worth paying an extra million dollars

    如果你是一個買家,那麼你可能會想,是否值得多付一百萬美元?

  • or not.

    或沒有。

  • And this is not a single case.

    而這並不是一個單一的案例。

  • It's happening all across the market.

    這在整個市場上都在發生。

  • Even when it comes to houses that cost just a few hundred thousand dollars, people are

    即使涉及到價格只有幾十萬美元的房子,人們也在

  • overpaying by 30, 40, or even 50 percent just to be the one who is going to buy that house,

    多付30%、40%甚至50%,只是為了成為那個要買房子的人。

  • and that's normal in a market when there is a shortage of houses.

    而這在房屋短缺的市場上是正常的。

  • This graph explains it all (show it from the

    這張圖解釋了這一切(顯示它從

  • year 2000).

    年)。)

  • It illustrates the number of Monthly Supply of Houses in the United States.

    它說明了美國每月房屋供應的數量。

  • Starting from 2010, when we got out of the last housing crash, the supply of houses was

    從2010年開始,當我們走出上一次住房危機時,房屋的供應是

  • at a stable rate, so house prices grew steadily, but there is a clear sign of how the number

    在一個穩定的速度,所以房價穩步增長,但有一個明顯的跡象表明,如何在數量上

  • of houses in the market dropped significantly in April 2020.

    2020年4月,市場上的房屋數量大幅下降。

  • And even though we are almost out of this pandemic and the future seems a little more

    儘管我們幾乎已經走出了這場大流行病,而且未來似乎更多了一些

  • predictable Than it was a year ago, the number of houses didn't increase much in the market.

    可預測 比起一年前,市場上的房屋數量並沒有增加多少。

  • And that's probably because the sellers are looking at how fast home prices are rising

    而這可能是因為賣家們正在關注房價上漲的速度。

  • and are like, "why should I sell when I can wait and keep getting wealthier doing nothing

    他們認為,"我為什麼要賣掉,因為我可以等待,並且什麼都不做也會變得更富有。

  • unless I will get an offer that's really good?

    除非我將得到一個非常好的報價?

  • I am not selling."

    我不是在賣。"

  • That's why in a single year, home prices rose by 17 percent.

    這就是為什麼在一年內,房屋價格上漲了17%。

  • In a single year, home prices rose as much as they did in the last ten years.

    在一年中,房屋價格上漲的幅度與過去十年一樣。

  • That's a good reason not to sell.

    這是一個不賣的好理由。

  • It's psychologically difficult to convince yourself to sell when everything is rising.

    當一切都在上升時,要說服自己賣出,在心理上是很難的。

  • It really doesn't matter if it's a stock, bitcoin, or crypto.

    如果是股票、比特幣或加密貨幣,這真的不重要。

  • When it's rising, for some reason, you imagine it's going to rise forever, and if it's falling,

    當它在上升時,出於某種原因,你會想象它將永遠上升,而如果它在下降。

  • you imagine it's going to fall forever; that's why people often quickly sell to minimize

    你想象它將永遠下跌;這就是為什麼人們經常快速出售以儘量減少損失。

  • losses

    損失。

  • Most people are short-term thinkers and not long-term thinkers.

    大多數人都是短期思考者,而不是長期思考者。

  • In these kinds of times, I like to remember what Warren Buffett said once: be "fearful

    在這種時候,我喜歡記住沃倫-巴菲特曾經說過的一句話:要 "敬畏

  • when others are greedy, and greedy when others are fearful."

    當別人貪婪的時候,我就貪婪;當別人恐懼的時候,我就恐懼"。

  • Now is the time when everyone is greedy.

    現在是每個人都很貪婪的時候。

  • I am not saying there is going to be a crash or how much more prices are going to rise.

    我並不是說會出現崩盤,也不是說價格會再漲多少。

  • All I am saying is that just take a look at what's happening in the market.

    我想說的是,只要看看市場上發生了什麼。

  • Do you think you can find a good deal?

    你認為你能找到一個好的交易嗎?

  • A good deal is to when the house price is at least slightly lower than markets average

    當房價至少略低於市場平均水平時,就是好的交易。

  • so that you can renovate it, it will rise significantly in value, or you can rent it

    這樣你就可以對它進行裝修,它的價值會大幅上升,或者你可以把它租出去。

  • out for a much higher price or at least a deal that's not above the markets average,

    出一個更高的價格,或者至少是一個不高於市場平均水平的交易。

  • but that's never going to happen when you are in a bidding war against dozens of other

    但當你在與其他幾十家公司進行競標時,這是不可能的。

  • buyers

    買家。

  • Don't get me wrong, owning a house is far

    不要誤解我的意思,擁有一棟房子是很重要的。

  • better than paying rent your entire life, especially if you are going to live in the

    總比一輩子付房租要好,特別是如果你要住在這裡。

  • same area for a long time, even though homeownership comes at a higher price.

    長期以來,在同一地區,儘管擁有住房的代價較高。

  • It includes renovation and other expenses.

    它包括裝修和其他費用。

  • However, you also have to consider the opportunity cost.

    然而,你也必須考慮機會成本。

  • This is the cost that people don't count at all when they are thinking of purchasing a

    這是人們在考慮購買時完全沒有考慮的費用。

  • house.

    房子。

  • Every penny you use to buy a house is a penny that could be invested elsewhere like the

    你用來買房子的每一分錢都是可以投資在其他地方的一分錢,例如

  • stock market, bitcoin or anything else, including your own business.

    股票市場、比特幣或其他任何東西,包括你自己的生意。

  • But let's take something more stable like the SP500.

    但讓我們採取更穩定的東西,如SP500。

  • An index fund that invests in the top 500 US companies.

    一個投資於美國500強公司的指數基金。

  • It usually grows by around 10 percent in the long run, but lets be a bit conservative and

    從長遠來看,它通常會增長10%左右,但讓我們稍微保守一點,並且

  • take 8 percent, just to be safe.

    為了安全起見,取8%。

  • When you take a mortgage, it's a 30 year investment, you are going to become a homeowner, but you

    當你接受抵押貸款時,這是一個30年的投資,你將成為一個房主,但你

  • have to keep making your monthly mortgage payments.

    必須繼續支付你的月度抵押貸款。

  • So let's take a look at what if you invest that money instead and rent a place.

    是以,讓我們看看,如果你把這些錢改成投資,租一個地方,會怎麼樣。

  • Let's take a 300K dollar house.

    讓我們來看看一個30萬的房子。

  • With a 20 percent downpayment and 3 percent mortgage rate, you are going to pay 1017 dollars

    以20%的首付和3%的抵押貸款利率,你將支付1017美元。

  • per month.

    每個月。

  • That's significantly cheaper than renting since that house would be rented out for at

    這比租房要便宜得多,因為那套房子的出租價格為

  • least 2000 dollars.

    至少2000美元。

  • But if you count property taxes (300 USD), renovation which is another 1 percent of the

    但如果算上房產稅(300美元),裝修又是1%的費用。

  • total price of your house ( 300 USD), insurance which let's say another 100 dollars, you will

    你的房子的總價格(300美元),保險,讓我們說另外100美元,你將

  • end up with 1700 dollars

    最終獲得1700美元。

  • Not bad.

    不錯。

  • Buying a house still looks like a far better deal.

    買房子看起來仍然是一個好得多的交易。

  • But now, let's count the opportunity cost.

    但現在,讓我們算算機會成本。

  • That 60K dollars you paid upfront as a downpayment, let's say you are going to invest it in the

    你預先支付的6萬美元作為首付,假設你打算將其投資於

  • sp500, and as I said earlier, we are going to be conservative and take just 8 percent.

    sp500,正如我之前說的,我們將是保守的,只取8%。

  • With the compound interest, it will grow to 603,759 dollars or 1677 dollars a month, which

    加上覆利,它將增長到603,759美元或每月1677美元,即

  • makes your real cost of ownership 3377 dollars.

    使你的實際擁有成本為3377美元。

  • Of course, the price of your house is also going to rise but if we have learned anything

    當然,你的房子的價格也會上升,但如果我們已經學到了什麼的話

  • from 2008 crises, home prices can also crash.

    從2008年的危機來看,房價也會崩潰。

  • Especially since home prices had risen by 17 percent last year, only time will tell

    特別是由於去年的房屋價格已經上漲了17%,只有時間才能說明問題

  • you how this astronomical rise is going to end.

    你這個天文數字的上升將如何結束。

  • But in order to invest in the stock market,

    但為了投資股市。

  • you have to understand how the stock market works and that means you have to spend months

    你必須瞭解股票市場是如何運作的,這意味著你必須花幾個月時間

  • to master it!

    來掌握它!

  • But I have some good news for you.

    但我有一些好消息要告訴你。

  • I have spent years investing in the stock market and to save you time.

    我已經花了多年時間在股市投資,為了節省你的時間。

  • I have summarised all my experience in the stock market into a short, straightforward

    我將我在股市中的所有經驗總結成一個簡短、直接的

  • fully animated course and the best part is that it's available on skillshare and you

    完整的動畫課程,最好的部分是,它可以在技能共享上獲得,而且你

  • can get it for free if you use the link in the description.

    如果你使用描述中的鏈接,可以免費得到它。

  • At the end of the course, there is an assignment that I will personally check and provide you

    在課程結束時,有一份作業,我將親自檢查並提供給你。

  • with a feedback.

    與反饋。

  • Anyways.

    不管怎麼說。

  • Buying a house isn't always a bad decision.

    買房子並不總是一個錯誤的決定。

  • In fact, it can be a great decision, especially when you are setting down and building a family.,

    事實上,這可能是一個偉大的決定,特別是當你正在建立一個家庭。

  • but right now, when we are getting out of the pandemic, we are not sure if we are going

    但是現在,當我們走出大流行病的時候,我們不確定我們是否會

  • to continue working remotely or we are going to get back to how everything was pre-pandemic,

    繼續遠程工作,否則我們將回到大流行之前的一切。

  • when there is a bidding war in the market.

    當市場上出現競價戰的時候。

  • Finding a good deal has never been more difficult.

    找到一個好的交易從未如此困難。

  • Especially all the headaches you have to go through when buying a house.

    特別是買房子時要經歷的所有頭疼問題。

  • You might buy a house now and then realize a year later that it was a mistake and life

    你可能現在買了一套房子,一年後才發現這是一個錯誤,生活

  • is getting back to normal, so that house that seemed attractive during the pandemic is no

    正在恢復正常,所以在大流行期間看起來很有吸引力的房子現在已經沒有了。

  • longer that attractive.

    不再那麼有吸引力。

  • And who knows where the market is going to be at that time.

    而且誰知道那時的市場會是什麼樣子。

  • Chances that you will lose money on that house is way higher than you make money.

    你在那所房子上賠錢的機會比你賺錢的機會高得多。

  • And now it's your turn to let me know in the

    現在輪到你了,讓我知道在

  • comments below what do you think about buying a house now?

    下面的評論你對現在買房有什麼看法?

  • Is it a good time or its better to wait until things calm down?

    現在是個好時機,還是等事情平息後再做比較好?

  • If you have enjoyed this video, You will also

    如果你喜歡這個視頻,你還會

  • enjoy this custom playlist that we have created specifically for you that has our most popular

    欣賞我們專門為您創建的這個定製播放列表,其中有我們最受歡迎的

  • videos on business, investing, and the stock market that can potentially change your life.

    關於商業、投資和股票市場的視頻,可能會改變你的生活。

  • And now give this video the thumbs up that it deserves, and make sure to subscribe if

    現在給這個視頻豎起應有的大拇指,並確保訂閱,如果

  • you haven't done that yet.

    你還沒有做到這一點。

  • Thanks for watching and until next.

    謝謝你的觀看,直到下一次。

Mark Twain once said: "Buy land, they're not

馬克-吐溫曾經說過"購買土地,他們不是

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A2 初級 中文 房子 投資 美元 市場 房屋 價格

為什麼你會在2021年後悔買房? (Why You Will Regret Buying a House in 2021)

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    Summer 發佈於 2021 年 06 月 16 日
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