Rent 10 rooms and 10-year mortgage which is also cost-effective?
Shao paragraph translation Happy Money Tour Academy www.kuailelicai.com
I August 22 Tencent blog in an article published on the
have a saying than out of good or bad. In comparison, not only simple to calculate the economic accounts, and to calculate the future price movements and the opportunity cost of each person. -
many people can not see through the housing bubble, in the end what is a bubble? Bubble in the end be? I'll give you a very simple identification method: the cover of the house a year ago has yet to live if the person is foam. Because the house is used to living people. A year ago did not have a house to live in is a bubble, there are two that do not live in one house are two bubbles, and so on. When that bubble burst it be? Master the air of a house to live a bubble is broken, two empty houses to live in both the Master of the bubble is broken. So the house As long as housing prices drop, that many people can not afford to buy a house buy a house to live, and the original people who live in a small house to spend the same money living in a big house. Then the bubble to burst. -
In fact, on the In other words, this is cost-effective reference to the trend of the next 10 years, with house prices the opportunity cost of each person to their ratio. -
the first case: if you have enough money in the bank and only to the bank, while the next 10 years the price is steadily . Then you should immediately buy a house. -
example: in Beijing, now the market value of one million yuan to rent a house rent of 2,500 yuan monthly, and one million yuan fixed deposit interest income to the bank is only 1875 yuan per month. Obviously it pays to buy a house. -
second case: For a full fiscal would take the dead will not pay the mortgage loans to people who buy a house in house prices and rents are stability of the now should not buy a house. For example: 1 million yuan in Beijing, the house rent a monthly rent of about 2,500 yuan, the total rent rent for 10 years about 30 million. The set of 1 million yuan loan to buy a house monthly interest rate of 4,500 yuan (assuming loans in full, or you can get your money equal to interest on bank loans. In fact, this very simple, you lend money at interest on bank loans Your friends and relatives to buy a house, mortgaged his house to you on it.) Loans to total interest payable for 10 years to 54 million, it is certainly worthwhile to rent. Perhaps you will say, I remind you that you should count your money is interest ah. -
third situation: in the next 10 years, rents remain unchanged, while prices will rise sharply, it should buy a house. -
If you buy a house of 100 million after 10 years rose to 200 million. Then you buy a house now to pick up a great deal. Because you buy loans the next 10 years just to pay rent to live more than 24 million in interest, but your house is up to 100 million. You pick up a 76 million cheaper. That is, if prices in the next 10 years, 24% price increases in rent over the same time, you should buy a house. Of course, if rents rise, prices also rose more should buy a house. -
fourth case: If you have a better use of funds should not be bought. For example, you can invest to benefit a good business, even money is the seed of your business, if you put 20 million down payment to use in your business, your money is far greater than the next 10 years, the Housing the rising price level, then you also should not buy a house. -
give more interesting examples: Ren Zhiqiang, said home prices will continue every day rose, they Huayuan company to sell your house and why do not they have been saving them for the price rose to his satisfaction and then sell it? -
Ren just want to sell your house quickly mainly due to: 1, he did not foresee the real prices over the past few years The will go up so much; 2, but if you do not hurry to buy the first renters, they will not house prices or will not rise so much; 3, they consider the use of the funds selling the house money to build more houses than the house prices make it. -
fifth: The house prices fall, rents stable. Then we should not rush to buy a house. -
Sixth case: for any reason makes you think that the joy of buying a house are much larger than the total amount of rent received total of happiness. That is sure to buy a house. Like, you find one of the most beloved girlfriend, you are even willing to die for her, and if you do not have a house she can not marry you. When you touched my life room to try any slave should immediately buy a house. -
In general, if calculated in economic terms alone, and if house prices and rents are more in the next 10 years stability, it is certainly worthwhile to rent; if house prices in the next 10 years, while rents rose more than 24% the same, then it must surely be better to buy a house; the next 10 years if house prices to fall even more should not buy a house. -
However, I think the nation's major cities in the next 10 years is to decrease prices. Because: -
1, China's major cities has long exceeded the rental than internationally accepted warning line, a capital-scarce countries will be a lot of money built house is a large number of people live a huge waste of social resources. -
2, China's aging population will soon appear negative population growth. -
recently heard several junior said: I grew up three houses there, my grandparents gave me a, give me a grandparents, my parents had bought me a set. Imagine, so many who go house to live in? -
3, many of the people getting married two years later for fear that prices continue to rise in advance bought the house, which will reduce the future market demand; -
4, added most of the urban population in the current price, within a period of 5 years can not afford a house ; -
5, the introduction of the national macro-control policies; -
6, more and more people know the bubble getting worse. -
-
I think that is likely to slump in house prices during the following six people could buy a house of: -
the first person: no place to spend more money people have. Is to spend the money, money did not mean if you do not spend to earn. Love how people spend their money on how to spend, nobody have them. As the old saying goes: -
second person: corrupt officials. Because these people's money anyway, not his effort earned, bought a house could be -
third person: to give the family silver to do Valentine's mistress. Because these people have to buy a house as long as the opportunity to consider the cost of totally unnecessary. Otherwise, if you miss the opportunity to get benefits. -
fourth person: think of what you buy Because of his order to get -
fifth of people: those who will not finance. Because these people do not know what kind of choice is really to their advantage. -
sixth person: to believe that a lot of some of the house prices will continue to and have the purchasing power of people. -
more than six people can buy a house. Otherwise, if you do not buy a house, where there are so many good house to rent it? Of course, only so many of these people to buy a house, people with money to rent a good house cheap! -
; ; ; -
; ; of: Shao paragraph translation August 25, 2010 - in Beijing -
-
Readers will meet Notice: August 28, 2010 10:30-13:00 am in the restaurant hosting the Beijing Haidian Area with 244 readers and readers will meet and have lunch at the same time face to face to answer your specific questions, very interested, please send an email to duanshaoyi@163.com or send text messages to 13707388888 appointment as, limited to 20 participants. Cost of the implementation of AA, which each bear the site fees and the meals 100. The address will be sent 27 text messages this afternoon there is an appointment of readers. -
Shao paragraph translation.
Shao paragraph translation Happy Money Tour Academy www.kuailelicai.com
I August 22 Tencent blog in an article published on the
have a saying than out of good or bad. In comparison, not only simple to calculate the economic accounts, and to calculate the future price movements and the opportunity cost of each person. -
many people can not see through the housing bubble, in the end what is a bubble? Bubble in the end be? I'll give you a very simple identification method: the cover of the house a year ago has yet to live if the person is foam. Because the house is used to living people. A year ago did not have a house to live in is a bubble, there are two that do not live in one house are two bubbles, and so on. When that bubble burst it be? Master the air of a house to live a bubble is broken, two empty houses to live in both the Master of the bubble is broken. So the house As long as housing prices drop, that many people can not afford to buy a house buy a house to live, and the original people who live in a small house to spend the same money living in a big house. Then the bubble to burst. -
In fact, on the In other words, this is cost-effective reference to the trend of the next 10 years, with house prices the opportunity cost of each person to their ratio. -
the first case: if you have enough money in the bank and only to the bank, while the next 10 years the price is steadily . Then you should immediately buy a house. -
example: in Beijing, now the market value of one million yuan to rent a house rent of 2,500 yuan monthly, and one million yuan fixed deposit interest income to the bank is only 1875 yuan per month. Obviously it pays to buy a house. -
second case: For a full fiscal would take the dead will not pay the mortgage loans to people who buy a house in house prices and rents are stability of the now should not buy a house. For example: 1 million yuan in Beijing, the house rent a monthly rent of about 2,500 yuan, the total rent rent for 10 years about 30 million. The set of 1 million yuan loan to buy a house monthly interest rate of 4,500 yuan (assuming loans in full, or you can get your money equal to interest on bank loans. In fact, this very simple, you lend money at interest on bank loans Your friends and relatives to buy a house, mortgaged his house to you on it.) Loans to total interest payable for 10 years to 54 million, it is certainly worthwhile to rent. Perhaps you will say, I remind you that you should count your money is interest ah. -
third situation: in the next 10 years, rents remain unchanged, while prices will rise sharply, it should buy a house. -
If you buy a house of 100 million after 10 years rose to 200 million. Then you buy a house now to pick up a great deal. Because you buy loans the next 10 years just to pay rent to live more than 24 million in interest, but your house is up to 100 million. You pick up a 76 million cheaper. That is, if prices in the next 10 years, 24% price increases in rent over the same time, you should buy a house. Of course, if rents rise, prices also rose more should buy a house. -
fourth case: If you have a better use of funds should not be bought. For example, you can invest to benefit a good business, even money is the seed of your business, if you put 20 million down payment to use in your business, your money is far greater than the next 10 years, the Housing the rising price level, then you also should not buy a house. -
give more interesting examples: Ren Zhiqiang, said home prices will continue every day rose, they Huayuan company to sell your house and why do not they have been saving them for the price rose to his satisfaction and then sell it? -
Ren just want to sell your house quickly mainly due to: 1, he did not foresee the real prices over the past few years The will go up so much; 2, but if you do not hurry to buy the first renters, they will not house prices or will not rise so much; 3, they consider the use of the funds selling the house money to build more houses than the house prices make it. -
fifth: The house prices fall, rents stable. Then we should not rush to buy a house. -
Sixth case: for any reason makes you think that the joy of buying a house are much larger than the total amount of rent received total of happiness. That is sure to buy a house. Like, you find one of the most beloved girlfriend, you are even willing to die for her, and if you do not have a house she can not marry you. When you touched my life room to try any slave should immediately buy a house. -
In general, if calculated in economic terms alone, and if house prices and rents are more in the next 10 years stability, it is certainly worthwhile to rent; if house prices in the next 10 years, while rents rose more than 24% the same, then it must surely be better to buy a house; the next 10 years if house prices to fall even more should not buy a house. -
However, I think the nation's major cities in the next 10 years is to decrease prices. Because: -
1, China's major cities has long exceeded the rental than internationally accepted warning line, a capital-scarce countries will be a lot of money built house is a large number of people live a huge waste of social resources. -
2, China's aging population will soon appear negative population growth. -
recently heard several junior said: I grew up three houses there, my grandparents gave me a, give me a grandparents, my parents had bought me a set. Imagine, so many who go house to live in? -
3, many of the people getting married two years later for fear that prices continue to rise in advance bought the house, which will reduce the future market demand; -
4, added most of the urban population in the current price, within a period of 5 years can not afford a house ; -
5, the introduction of the national macro-control policies; -
6, more and more people know the bubble getting worse. -
-
I think that is likely to slump in house prices during the following six people could buy a house of: -
the first person: no place to spend more money people have. Is to spend the money, money did not mean if you do not spend to earn. Love how people spend their money on how to spend, nobody have them. As the old saying goes: -
second person: corrupt officials. Because these people's money anyway, not his effort earned, bought a house could be -
third person: to give the family silver to do Valentine's mistress. Because these people have to buy a house as long as the opportunity to consider the cost of totally unnecessary. Otherwise, if you miss the opportunity to get benefits. -
fourth person: think of what you buy Because of his order to get -
fifth of people: those who will not finance. Because these people do not know what kind of choice is really to their advantage. -
sixth person: to believe that a lot of some of the house prices will continue to and have the purchasing power of people. -
more than six people can buy a house. Otherwise, if you do not buy a house, where there are so many good house to rent it? Of course, only so many of these people to buy a house, people with money to rent a good house cheap! -
; ; ; -
; ; of: Shao paragraph translation August 25, 2010 - in Beijing -
-
Readers will meet Notice: August 28, 2010 10:30-13:00 am in the restaurant hosting the Beijing Haidian Area with 244 readers and readers will meet and have lunch at the same time face to face to answer your specific questions, very interested, please send an email to duanshaoyi@163.com or send text messages to 13707388888 appointment as, limited to 20 participants. Cost of the implementation of AA, which each bear the site fees and the meals 100. The address will be sent 27 text messages this afternoon there is an appointment of readers. -
Shao paragraph translation.
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