Buying a house orRenting a house, which has been a controversial issue for generations. Whether it's a purchasePropertyOr choose rental housing, each has its own advantages and disadvantages. For those who wish to be safeInvestmentsand people who enjoy a safe and comfortable life, buying a house seems to be an ideal choice. And for those who value flexibility and saving moneyRenting a houseis more appropriate. Recently, however, a math expert provided a surprising answer with a large number of statistics and formulas, and he believes that if you are an excellent oneInvestmentsAnnualizedInvestmentsThe yield reaches about 10%, thenRenting a houseFar more cost-effective than buying a house. This study has attracted a lot of attention and discussion.
In order to argue with the point of view, the mathematician took a set of 60 square meters in BeijingPropertyA detailed comparative analysis is carried out as an example. setPropertyThe current market price is 5 million yuan, and the monthly rent is 6,000 yuan. AssumptionsBuying a houseDown paymentis 30%, i.e. 1.5 million, the loan term is 20 years, and the loan interest rate is 5%. After calculation, the monthly repayment is 23099 yuan, the annual repayment is 277188 yuan, and the total repayment amount for 20 years is 5543760 yuan, which isBuying a houseThe total price paid. And if you chooseRenting a houseThe annual rent is 72,000 yuan, and the total rent after 20 years is 2499786 yuan according to the calculation method of 5% annual increase. The difference in total expenditure between the two options is $4543974. And if this part of the difference is used:InvestmentsDepending on the rate of return, there will be a significant difference in income after 20 years.
According to the research of mathematicians, as long asInvestmentsThe yield is more than 5%.Renting a houseIt's more cost-effective than buying a house. And ifInvestmentsThe yield reached 10%.Renting a houseThe amount of money that is more cost-effective than buying a house will be very staggering. This means,InvestmentsThe one who just needs to go through the smartInvestmentsManage your money, which is about 10% per annumRate of return, you can make itRenting a houseBecome a more cost-effective option. Experts say that the results of the study are 10%.Rate of returncalculated, the total revenue is expected to be $27778083 under the same conditionsBuying a houseofInvestmentsThe loss will reach 14.32 million.
However, the mathematician's research does not take into account inflation andPropertyappreciation, etc. According to him, in 3% to 4% of the yearInflation rateunder, even conservativelyInvestmentsonly about 4% per annumRate of return, which is also enough to offset inflation. WhilePropertyAppreciation exceptSupply and demandIn addition, it is also affected by many uncontrollable factors. In a big city like Beijing, house prices may no longer be constrained bySupply and demand, and inflation can be the biggest factor affecting house prices.
The study has sparked widespread controversy and discussion. Those who agree with itRenting a houseMore freedom and flexibility, and more beneficialInvestmentswithManage your money。Opponents argueBuying a houseMore secure, and better for the future of the family and children. Some have questioned the data and formulas used in the study, arguing that they ignore real-world factors and details. There are also people who are neutral and think that buying a house is withRenting a houseEach has its own advantages and disadvantages, and the choice should be made based on individual circumstances and preferences.
In my opinion, buying a house withRenting a houseBoth have their advantages and disadvantages, and the choice should be based on the financial strength of the individualInvestmentsFactors such as philosophy and future planning. For those excellentInvestmentsto a higher oneRate of returnConductedInvestmentsManage your moneyRenting a houseProbably a more cost-effective option. However, for the average family,Buying a houseIt can provide a more stable living environment and long-term asset accumulation. Buying a houseIt can also provide better protection for children's education and future planning. Therefore, before making a decision, we should fully consider our own conditions and needs, and make an informed choice based on various factors.
Buying a house orRenting a house, which has always been a controversial topic. Through the research of mathematicians, we learned:InvestmentsThe importance of yield in this choice. However, we also need to realize that people's choices are diverse, depending on individual preferences, goals, and circumstances. Therefore, we need to consider our own conditions and needs, as well as future development plans, and make the most suitable decision for ourselves. Buying a house withRenting a houseAll have their pros and consCriticalIt lies in our perception and planning for our future, as well as the rightInvestmentsunderstanding and skills. Through deep thinking and rational thinking, we can find the best choices for ourselves to achieve better life planning and financial management.