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  • Welcome back.

    歡迎回來。

  • I'm now going to take a slight tangent and cover a topic

    我'現在要略微岔開話題,說說一個話題。

  • that, I think, this is probably the single most

    我認為,這可能是最重要的一點。

  • important video that really anyone can watch.

    重要的視頻,真的任何人都可以看。

  • I go to all of these parties where I go see family.

    我參加所有這些聚會,我去看看家人。

  • And my wife and I right now, we live in Northern

    而我和我的妻子現在,我們住在北部的。

  • California.

    加州。

  • And we're renting.

    而且我們是租的。

  • And I like to point out, by choice.

    而我喜歡指出,選擇。

  • And I have family members, why don't you buy?

    而且我有家人,你為什麼不買?

  • You're at that stage in life, that's a major

    你在人生的那個階段,那是一個重大的

  • milestone, all of this.

    里程碑,這一切。

  • There's a lot of pressure to buy.

    有'的購買壓力。

  • And when I tell friends, I tell them I'm

    當我告訴朋友們的時候,我告訴他們,我...

  • not going to buy.

    不打算買。

  • Because I think I'm pretty convinced, almost 100%

    因為我想我很相信,幾乎是100%。

  • convinced, that housing prices are going to revert back.

    確信,房價會回調。

  • And I'm going to do a bunch of presentations to

    而我要做一堆的演講,以。

  • justify why they will.

    說明為什麼他們會。

  • But then my friends, they'll just throw out the statement

    但是,我的朋友們,他們就會把這句話扔出去。

  • that I hear from them, that you hear from real estate

    我從他們那裡聽到的,你從房地產那裡聽到的。

  • agents, because obviously they want you to buy.

    中介,因為很明顯他們想讓你買。

  • Well, isn't buying always better than renting?

    那麼,買是不是總比租好呢?

  • And I think that kind of common wisdom comes out of the

    而我認為這種常識性的智慧是來自於

  • notion of, when you have a mortgage or when you borrow

    的概念,當你有抵押貸款或當你借到

  • money to live in a house, every month that money that

    住房子的錢,每個月那筆錢那

  • you give to the bank is kind of going into savings.

    你給銀行的錢,算是進入了儲蓄。

  • That's the perception.

    這是'的看法。

  • While when you rent, that money's just

    而當你租房時,這筆錢只是

  • disappearing into a vacuum.

    消失在真空中。

  • In this video I'm going to work through that assumption,

    在這段視頻中,我'要通過這個假設。

  • and see if that actually is the case.

    並看看是否真的是這樣。

  • So let's say I have a choice.

    所以我們'說我有一個選擇。

  • Let's say there are two houses.

    比如說有兩套房子。

  • This is house number one.

    這是一號院。

  • And this is house number two.

    這是二號房。

  • And let's say that they're identical houses.

    而且讓我們'說,他們'是相同的房子。

  • These are three bedroom, two bath, townhouses some place in

    這些都是三室兩廳的聯排別墅,有些地方在...

  • Silicon Valley, which is where I live.

    硅谷,這是我住的地方。

  • And I want to live in one of these houses.

    我想住在這些房子裡。

  • I'm indifferent as to which house I live in, because they

    我對自己住在哪個房子裡無所謂,因為它們

  • are identical.

    是相同的。

  • So living in them is the identical experience.

    所以,生活在其中是相同的體驗。

  • I can rent this house for $3,000 a month.

    我可以把這個房子租下來,一個月三千塊錢。

  • Or I could buy this house for $1 million.

    或者我可以用100萬買下這棟房子。

  • And let's say that in my bank account right now, let's say I

    讓我們說,在我的銀行賬戶,現在,讓我們說,我的銀行賬戶。

  • have $250,000 cash.

    有25萬現金。

  • So let's see what happens in either scenario.

    所以讓我們'看看兩種情況下會發生什麼。

  • Let's see how much money is being burned.

    讓我們看看有多少錢被燒掉了。

  • So in this scenario what happens?

    那麼在這種情況下會發生什麼呢?

  • I'm renting.

    我在租房

  • So in a given year, let's just see how much money comes out

    所以在某一年,我們就看看有多少錢出來吧'。

  • of my pocket.

    我的口袋裡。

  • So in a given year I pay $3,000.

    所以在某一年,我付出了3000元。

  • $3,000 times 12 months, so I lose $36,000.

    3000元乘以12個月,所以我損失了36000元。

  • So I'll put a negative there, because that's

    所以我在那裡放一個否定的東西,因為那是。

  • what I spend in rent.

    我花在租金上的錢。

  • $36,000 per year in rent.

    每年租金36000元。

  • And then of course I have that $250,000.

    當然,我還有那25萬美金。

  • I'm going to put that into the bank, because I have nothing

    我要把它存進銀行,因為我什麼都沒有了

  • else to do with it.

    其他的事情。

  • I didn't buy a house with it.

    我沒有用它買房子。

  • And let's say that I can, in the bank, let's say

    而讓我們說,我可以,在銀行,讓我們說。

  • I put it in a CD.

    我把它放進了CD裡。

  • And I get 4% on that.

    我得到4%的收益。

  • So let's see, 250, that's what? $10,000, I think.

    所以讓我們'看看,250,那是什麼'萬美元,我想。

  • That's 0.04.

    那是0.04。

  • Right, I get $10,000 in interest a year on that.

    對了,我每年可以得到一萬塊錢的利息。

  • So I get $10,000.

    所以我得到了一萬塊錢。

  • So plus $10,000 a year in interest.

    所以加上每年1萬元的利息。

  • So out of my pocket, for the privilege of living in this

    所以從我的口袋裡掏出來,為的就是能有幸住在這個地方

  • house, in Silicon Valley, with beautiful weather, out of my

    的房子,在硅谷,天氣晴朗,出了我。

  • pocket every year goes $26,000.

    兜裡每年去26000元。

  • So that's scenario one.

    所以這就是方案一。

  • So what happens if I give in to the peer pressure of

    所以,如果我屈服於同行的壓力,會發生什麼?

  • family, and realtors, and the mortgage industry, and I buy

    家庭,和房地產商,和抵押貸款行業,我買了

  • this house for $1 million?

    這房子要100萬?

  • Well I only have $250,000, which is more, frankly, than

    好吧,我只有25萬美元,這是更多的,坦率地說,比。

  • most people who buy $1 million houses have. But I have

    大多數買100萬房子的人都有。但我有

  • $250,000 cash.

    250,000美元現金。

  • So I need to borrow $750,000.

    所以我需要借75萬。

  • So I take out a mortgage for $750,000.

    所以我以75萬的價格進行抵押貸款。

  • And I'm going to do a slight simplification.

    而我'要做一個稍微的簡化。

  • And maybe in a future presentation, I'll do kind of

    也許在未來的演講中,我將會做一種。

  • a more complicated one.

    一個更復雜的。

  • In a lot of mortgages, when you pay your monthly payment,

    在很多抵押貸款中,當你每月支付你的月供。

  • most of your monthly payment, at least initially, is the

    您每月支付的大部分費用,至少在初期是這樣的。

  • interest on the amount that you're borrowing.

    在你借的金額的利息'。

  • And you pay a little bit extra on that, to

    而你要多付一點錢,以

  • bring this value down.

    使這個數值下降。

  • That's called paying off the principal.

    這就叫還清本金。

  • You can also take an interest-only loan, but the

    您也可以採取只收利息的貸款方式,但是

  • component of the interest is the same.

    利息的組成部分是相同的。

  • Essentially, when you take a traditional mortgage, kind of

    本質上,當你採取傳統的抵押貸款,種。

  • a 30-year fixed, every month you're paying a little bit

    30年的固定,每個月你'支付一點點。

  • more than the interest, just to take down the balance.

    多於利息,只是為了拿下餘額。

  • But for the simplicity of this argument, I'm just going to

    但為了這個論點的簡單性,我'我只想

  • say that we're doing an interest-only mortgage.

    說我們'做的只是利息抵押貸款。

  • And then maybe with any extra savings, I can

    然後也許有了額外的儲蓄,我就可以。

  • pay down the principal.

    還清本金。

  • And that's the same notion.

    而這'也是同一個概念。

  • And right now, if I do 25% down, and I'm buying a $1

    而現在,如果我做25%的下降,和我'買一個1美元的

  • million house, I'll have to take a $750,000 mortgage.

    萬元的房子,我'要拿75萬元的抵押貸款。

  • I don't know what a good rate is, 6%?

    我不知道什麼是好率,6%?

  • So let's say at 6% interest. So to live in this house, how

    所以我們'說按6%的利息計算。所以要住在這個房子裡,如何

  • much am I paying just in interest?

    我光利息就要付多少錢?

  • Well I'm paying $750,000 times 6% a year.

    好吧,我'支付75萬美元乘以每年6%。

  • So $750,000 times 0.06 is equal to $45,000 in interest.

    所以75萬元乘以0.06等於4.5萬元的利息。

  • That's coming out of my pocket.

    這是從我的口袋裡掏出來的。

  • And of course, on a monthly basis, that means in interest

    當然,按月計算,這意味著在利息上

  • per month, I'm paying, just to get an idea.

    每個月,我'支付,只是想了解一下。

  • I'm paying about $3,700, $3,800 in interest a month.

    我'每月要支付大約3700元、3800元的利息。

  • My mortgage actually might be something like $4,000 a month.

    我的房貸其實可能是每月4000元左右。

  • So I pay the interest. And then I pay a little bit to

    所以我付了利息。然後我付一點給

  • chip away at the whole value of the loan.

    削去貸款的全部價值。

  • It takes 30 years to chip away at the whole thing.

    要30年才能削去全部。

  • And over time, the interest component becomes less, and

    而隨著時間的推移,利息的成分會越來越少,而。

  • the principal becomes more.

    本錢變得更。

  • But for simplicity, this is the interest that I'm paying.

    但為了簡單起見,這是我支付的利息'。

  • $45,000 a year.

    每年45000美元。

  • And then of course at a party, when I start to explain this,

    當然,在一次聚會上,當我開始解釋這個問題時。

  • it's like, ah-ha.

    它'的喜歡,啊哈。

  • But interest on a mortgage is tax deductible.

    但是房貸的利息是可以抵稅的。

  • And what tax deductible means, is that this amount of money

    而什麼叫可抵稅,就是這一筆錢。

  • that I spend on interest on my mortgage, I can

    我花在房貸利息上的錢,我可以...

  • deduct from my taxes.

    從我的稅收中扣除。

  • I can tell the IRS that I make $45,000 less

    我可以告訴國稅局,我少賺了4萬5千美元

  • than I actually did.

    比我實際做。

  • So if I'm getting taxed at, let's say 30%, what is the

    所以,如果我的稅率,讓我們'說30%,什麼是。

  • actual cash savings?

    實際的現金儲蓄?

  • Well I'll save 30% of this.

    好吧,我'將節省30%的這個。

  • I'll have to pay $15,000 less in taxes.

    我'要少交15000元的稅。

  • How does that work?

    那是怎麼做到的?

  • Well, think about it.

    好吧,考慮一下吧。

  • Let's say I earned $100,000 in a year.

    比方說,我一年賺了10萬元。

  • And I normally have to pay 30%.

    而我通常要支付30%的費用。

  • So I normally pay $30,000 in taxes.

    所以我平時交了3萬元的稅。

  • Right?

    對吧?

  • This is, if I didn't have this great tax

    這是,如果我沒有這個偉大的稅收'。

  • shelter with this house.

    有了這個房子的庇護。

  • Now I have this interest deduction.

    現在我有了這個利息扣除。

  • So now I tell the IRS that I'm actually

    所以,現在我告訴國稅局,我'實際上是

  • making $55,000 a year.

    年薪55000美元。

  • And let's say my tax rate is still 30%.

    而讓'說我的稅率還是30%。

  • it actually will probably go down since I'm -- but let's,

    它實際上可能會下降,因為我'm -- 但讓's。

  • just for simplicity, assume my tax rate is still $30,000.

    為了簡單起見,假設我的稅率還是30000元。

  • So now I'm going to pay $16,500 in taxes to the IRS.

    所以現在我'要向國稅局交16500元的稅。

  • So how much did I save in taxes?

    那麼我省了多少稅呢?

  • So I saved $13,500 from taxes, from being able to deduct this

    所以我省了13500元的稅款,因為可以扣除這個

  • $45,000 from my income.

    從我的收入中拿出45000元。

  • So let's say tax savings, plus $13,500.

    所以,我們說省稅,加上13500元。

  • Now what else goes into this equation?

    現在,這個等式中還有什麼?

  • Do I get any interest on my $250,000?

    我的25萬元有利息嗎?

  • Well, no.

    嗯,沒有。

  • I had to use that as part of the down payment on my house.

    我不得不用它作為我的房子首付的一部分。

  • So I'm not getting interest there.

    所以我'那裡沒有得到興趣。

  • But what I do have to do is, I have to

    但我必須要做的是,我必須...

  • pay taxes on my property.

    為我的財產繳稅。

  • In California, out here we have to pay 1.25% in taxes, of

    在加州,在這裡,我們必須支付1.25%的稅,其中

  • the value of the house.

    房子的價值。

  • So what's 1.25%?

    那麼1.25%是多少呢?

  • So, taxes, this is property tax.

    所以,稅收,這就是房產稅。

  • And that's actually tax deductible too, so it actually

    而這實際上也是可以抵稅的,所以它實際上是

  • becomes more like 0.75% or 1%.

    變得更像0.75%或1%。

  • So let's just say 1% just for simplicity.

    所以為了簡單起見,我們就說1%吧。

  • Property taxes.

    財產稅;

  • So 1% times $1 million.

    所以1%乘以100萬。

  • That equals what?

    這等於什麼?

  • 1% of $1 million is another $10,000 a

    100萬的1%,又是1萬塊錢一個。

  • year in property taxes.

    年的財產稅。

  • And notice, I'm not talking about what percent of my

    而且注意,我不是在說我的百分之多少錢

  • mortgage goes to pay principal.

    抵押貸款用於支付本金。

  • I'm just talking about money that's being burned by owning

    我'只是在說擁有的錢被燒掉了。

  • this house.

    這個房子。

  • So what is the net effect?

    那麼淨效應是什麼呢?

  • I have a $13,500 tax savings.

    我有13500元的節稅。

  • I have to pay $10,000 -- actually I have to pay a

    我必須支付1萬美元 -- 實際上,我必須支付一筆

  • little bit more than that, but we're getting a little bit of

    比這更多一點,但我們'得到了一點點的。

  • income tax savings on the deduction on

    所得稅減免

  • the property taxes.

    財產稅。

  • And then I actually have to pay the $45,000 of interest

    然後,我實際上要支付45000元的利息。

  • that just goes out the door.

    這只是出去的門。

  • So I'm paying $41,500.

    所以,我'支付41500元。

  • Notice, none of this $41,500 is building equity.

    注意,這41500元都不是建立資產。

  • None of it is getting saved.

    都沒有得到保存。

  • This is money that is just being burned.

    這錢就是被燒掉的。

  • So this is a completely comparable

    所以這是一個完全可以比較的

  • value to this $26,000.

    值到這26000元。

  • So in this example -- this example is not that far off

    所以,在這個例子中,這個例子並沒有那麼遠。

  • from real values.

    從實值。

  • Out here in the Bay area, I can rent a $1 million house

    在灣區,我可以租一百萬美元的房子。

  • for about $3,000.

    3000元左右。

  • But in this situation I am burning, every year $41,500,

    但在這種情況下,我是燒,每年41500元。

  • where I could just rent the same house for $26,000 out of

    在那裡,我可以只租同樣的房子 26,000美元的出

  • my pocket, when I adjust for everything.

    我的口袋,當我調整一切。

  • And then people a couple of years ago said, oh, but houses

    然後人們幾年前就說,哦,但是房子啊。

  • appreciate.

    欣賞。

  • And that's what would make it up.

    而這也是會構成的。

  • But now you know, very recently -- we know that

    但現在你知道,最近 - 我們知道...

  • that's not the case.

    不是這樣的

  • And in the next video, I'll delve into this, and

    而在下一個視頻中,我'將深入研究這個問題,並。

  • a little bit more.

    稍微多一點。

  • I'll see you soon.

    我&39;很快就會看到你。

Welcome back.

歡迎回來。

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A2 初級 中文 美國腔 利息 房子 支付 貸款 抵押 美元

該買房還是租房? (Renting vs. Buying a home)

  • 3125 150
    Brandon 發佈於 2015 年 02 月 13 日
影片單字