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The white picket fence.
刷白的木樁圍欄。
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Space for entertaining.
娛樂空間。
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Acres of land to call your own.
屬於你的幾畝地。
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These were characteristics of the American dream home.
美國人夢想中的房子也就如此這般。
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But is it still a dream worth chasing?
但這真的還是值得大家追求的夢想嗎?
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Should you buy a home or rent?
你應該買房還是租房呢?
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We're here at the White House at 6 Woods Lane in Easthampton Long Island.
我們現在位於長島東漢普頓六伍茲巷的白舍。
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You could own this place for the list price of $12.5 million.
你只要出建議售價 1250 萬美金 (約台幣 3 億 8700 萬) 就能擁有這棟房子。
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With a 30-year fixed rate mortgage of 3.991% interest, you'd pay nearly $47000 a month.
按照利息 3.991% 的 30 年固定利率抵押貸款,你每個月需要付將近 4 萬 7000 美金 (約台幣 146 萬)。
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And that's not including closing costs, home ownership insurance, or property taxes.
那還不包含房屋交易手續費、房屋保險,或房地產稅。
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Now, this kind of place might be a little pricey for you, but the same principles apply at much lower levels when you're considering whether to rent or buy a home.
這種價位對你來說或許太高了,但當你考慮買房或租房時,同樣的規則也能套用到價位較低的房屋。
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Now, before I break something in here, let's get back to the studio.
在我砸壞這裡的東西前,我們先回去工作室吧!
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To buy or not to buy?
買呢?還是不買?
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That is the question.
這問題值得思考。
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We polled our YouTube audience, and they had a lot to say.
我們讓 YouTube 觀眾投票,他們有很多種想法。
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One person said owning a house should not be thought of as an investment.
一個人說,擁有一件房產不該被視為是一種投資。
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More like something between an asset and a liability.
比較有可能游走於資產和負債之間。
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Someone else shared a pretty common sentiment these days that student loans would prevent them from ever buying a home.
別的人則是有感而發,認為學生貸款讓他們永遠不可能買得起房。
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Another said abolish private property altogether.
還有人說,乾脆廢除任何私有房地產吧!
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But, okay.
不過呢?好吧!
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A majority of you think ownership is the way to go, and who can blame them?
絕大多數人還是認為應該擁有房產,這種想法不難理解。
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People think of buying a home as part of the American dream.
人們將買房視為美國夢的一部分。
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The driver of middle class wealth.
是中產階級追逐財富的驅力。
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A sound investment vehicle.
是可靠的投資工具。
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Renting a place is less romantic.
租房就 …… 沒那麼吸引人。
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Throwing money away every month on a place to rest your head and keep your stuff, but that calculus is changing.
每個月投擲金錢,就為了頭上有個屋頂還有地方放你的東西,但這種想法在改變了。
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To help us run down the reasons why you may want to rent and not buy, I spoke to financial planner Roger Ma.
為了釐清租房優於買房的原因,我找來了理財規劃師 Roger Ma。
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So, can you tell me why renting is not throwing your money away?
所以,你可以告訴我為什麼租房不是在浪費錢呢?
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Well, I think the flip side is why is buying not wasting money?
我覺得可以反向思考,買房為何就不是浪費錢呢?
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And I think that's a myth that when you buy, a lot of your money is building equity, but that's just not the case.
我認為,「買房就是花錢建立價值」是一種迷思,事實並非如此。
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Your monthly payment, and the upfront, and the backend cost of buying are wasted money as well.
你每月的付款、預付款和買房的後端花費也都是浪費錢。
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You've got mortgage interest, homeowners insurance, property taxes, potentially homeowners association fees.
你還有房貸利息、房屋保險、房地產稅,這些潛在的屋主相關費用。
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Not to mention the huge closing cost on the front end and the back end.
更不用說前端和後端大筆的房屋交易手續費。
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If you don't plan to stay in the same area for at least five years, it probably makes more sense to rent, and that's because of those large closing costs.
如果你沒有預計在一個地方待至少五年,租房就是比較合理的選擇,因為可以免去那些高額手續費。
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You need to give your home a sufficient amount of time to potentially increase in value.
你的房屋要先放一段足夠的時間才能增加潛在價值。
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I feel like the generation now growing is maybe more likely to be on the move.
我感覺現在新一代年輕人比較可能到處遷移。
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Definitely.
沒錯。
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Between the ages of 22 and 40, the average person changes jobs every one to two years, so they're changing a fair amount.
年紀介於 22 至 40 歲之間的年輕人平均每一兩年就會換一份工作,所以變化很大。
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So, I think having the flexibility to change jobs could be reasons to rent instead of buy.
所以我想,換工作的彈性可以是選擇租房而非買房的原因之一。
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And that's okay.
那也是沒問題的。
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There's no shame in renting, and if you look around the United States, depending on where you live, it might actually be more affordable.
租房沒什麼丟臉的,而且你若是看看美國各地,取決於你住的區域,租房或許其實是比較負擔得起的。
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ATTOM Data Solutions publishes a yearly affordability index of buying verse renting.
ATTOM Data Solutions 公佈了一項數據,比較買房和租房的年購買力指數。
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And in most places, 59% to be exact, real estate prices are outpacing rentals.
而在大多數地方,確切來說是 59%,房地產價格都在不停超越租房價格。
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In fact, in all 18 of the most populous counties in America, it's more affordable to rent than buy.
事實上,在美國前 18 個人口最多的縣市,租房都比買房要容易負擔。
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Let's be real.
我們說實在話。
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For a lot of people, the choice of renting verse buying may not even be yours, especially if you're young.
大多數人或許根本用不到考慮租房還是買房,尤其是年輕族群。
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I talked to Bloomberg reporter Patrick Clark about the unique problems facing potential home buyers.
我和彭博社記者 Patrick Clark 談了潛在房產購買人會面臨的特別難題。
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Let's talk about the unique hindrances that maybe new home buyers might face.
我們來談談買新房的人或許會面臨的一些特別阻礙。
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There's not enough homes they can afford.
沒有足夠的房屋是他們買得起的。
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Right?
真的嗎?
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Sure.
真的。
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That would be a big problem.
這是個大問題。
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At the very most basic, there's an affordability gap.
最根本上來看,有個購買力落差。
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A decade after the foreclosure crisis, we're still building homes.
抵押品贖回權喪失危機後的十年內,我們依舊持續建房。
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Not just of where they were at the peak bubble madness, but still below the number of new homes that we were adding in the mid '90s.
不只是泡沫危機最巔峰時的,但還是比我們在 90 年代中期建設的少。
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The construction that is happening has been skewed towards the high end.
那些建設都被轉往高端。
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That is sort of pressured on the other side by maybe age, people growing older and maybe not moving out of their homes.
這也對那些較年長的、不願意搬家的人造成壓力。
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There's two different ways you can get listings, right?
要上市有兩種不同方法,對吧?
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You could build new homes or you can have homes that were already occupied, hit the market.
你可以蓋新屋,或是你可以買下已經被人所有的屋子,就可以上市了。
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There's some question of whether people want to stay in their own homes and "age in place".
還有問題是,人們是否想待在自己家安享晚年。
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Older people staying in their homes longer is an issue, so there's some gridlock in the housing market.
年長者留守在他們的房屋裡是個問題,造成房屋市場僵局。
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This generation is now saddled with more burdens than previously was the case.
新一代的還有更多前一代沒有的負擔。
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Like way more.
多得多了。
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There's more than $1.5 trillion of student loan debt outstanding.
嚇人的,有 1.5 兆美金學生貸款債務。
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Yikes.
太恐怖了。
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The deck is certainly stacked against this generation.
這一代人肯定是有比較難走的路。
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But that long standing elusive goal of home ownership seems so tempting.
但是「擁有自己的房產」這個遙不可及的目標實在是太誘人了。
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All in all, I'd have to put it this way: If you have your heart set on home ownership, nobody's going to stand in your way.
總之呢,我只能說:如果你已經下定決心要買房,沒有人會阻止你。
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But you probably don't need to sweat it too much either if you don't.
但如果你沒這種期望,也別太費神想這事了。
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That was probably expensive.
那大概很貴。