>新买家通常30年房贷只撑10年。
>new buyers typically only stay 10 years on a 30 year mortgage
>新买家通常30年房贷只撑10年。
>Only paying 20% of principal at that point
>到那个点只还了20%本金
>lose ~8% on the sale
>卖房还要亏约8%
>factor in taxes, insurance, maintenance, appreciation
>算上税、保险、维护、增值
>you only get back about 10% of what you paid in mortgage payments over 10 years
>10年交的房贷，最后拿回来的只有约10%
>but I'm stupid for renting an apartment
>结果你还说租房的我傻
make it make sense.
这逻辑根本说不通。
>>62560310
Money printer stops, and they get nothing back.
印钞机一停，他们啥也拿不回来。
>buying is stupid
>买房是蠢
>renting is stupid
>租房是蠢
living with parents is the financially smart choice
跟父母住才是经济上最聪明的选择
>>62560377
>living with parents is the financially smart choice
>跟父母住才是聪明的理财选择
I would argue helping them pay of their loans/mortgages is the best way to build generational wealth. Banks want kids to feel bad for investing in their future with their own money. If they can pitch the idea that "your not an adult if you help your parents pay off their poor financial decisions" then they can trick you into the same chains.
我倒觉得，帮他们还清贷款/房贷才是积累代际财富的最好方式。银行想让你觉得拿自己钱投资未来是件丢人的事。要是他们能给你洗脑说“帮父母还他们愚蠢的财务决策就不算成年人”，那就能骗你戴上同样的枷锁。
>>62560771
My parents hate me
我爸妈恨我
They have like 20m in assets
他们有两千万左右的资产
Idk why I keep trying to trust them
我也不知道为啥老是想再信任他们
Guess I'll raise my kids without ever knowing them... Not sure I even have a choice at this point.
看来我养孩子就得让他们永远不认识爷爷奶奶了……说实话我也不确定现在还有没有别的选择。
>>62560310
Housing market is a pure speculation and it can be flipped up/down/side-way at any moment by any kike gov just like shitcoins, stocks and other centralized scams
房市就是纯粹的投机，任何一个犹太佬政府随时都能像炒币、炒股和其他中心化骗局一样，把它往上下左右随意翻。
>>62560310
Buying a house is a luxury purchase, not an investment. The point is that you have more freedom. People do it for the quality of life. The majority of the time when someone makes money on housing it's by accident.
买房是奢侈消费，不是投资。关键在于你拥有更多自由。人们买房是为了生活质量。多数时候，有人靠房子赚钱纯属意外。
buy a house to live in it, not to "invest" in
买房是为了住，不是为了“投资” ⟦ 买房不是投资，至少现在不是了。你买房是为了安宁、隐私、自由和安全。想赚钱？租房。租房的其它方面都糟透了。想要有质量的生活，就买房。
>>62561165
>>62561230
/thread
Buying a house is not an investment. Not anymore at least. You buy a house for peace, privacy, freedom and safety. If you want to make money, rent. Everything else about renting sucks. If you want a life worth living, buy a house.
买房不算投资，至少现在不是了。你买房图的是安宁、隐私、自由和安全。想赚钱的话，就租房。租房其他方面都糟透了。想过值得过的日子，就买房。
>>62560310
i just had to change jobs and my jew landlord would let me out the lease agreement even though i'm no longer living there
我刚换了工作，那个犹太房东就是不让我解除租约，哪怕我已经不住那儿了
of course i also had to sign another lease in my new city
当然，我也得在新城市签另一份租约
so now i'm paying $1500 per month on an apartment in my old city that i am not even using anymore and for all i know he has rented it out to someone else and is double dipping
所以现在我每月付着$1500房租，老城那公寓根本用不上，鬼知道那房东是不是已经转租给别人，两头捞钱
that's the power of renting
这就是租房的威力
>>62560983
>houses aren't for speculation
>房子不是拿来炒的
>says the dictator of the country with the most housing speculation
>说这话的可是全球炒房最严重国家的独裁者
Hilarious post, shill.
笑死人的帖子，水军。
>>62560310
Because I pay less in mortgage installments than my rent was. If I keep any amount of money with that and housing prices completely stall, that's still better than burning even more money while getting back 0%.
因为我月供比房租还低。就算房价完全停涨，我把钱留在那儿也比打水漂强，后者连0%都收不回来。
Though my house has appreciated like 30% in the last 6 years so I made a lot of money with it.
不过我这房子过去6年涨了差不多30%，赚了不少。
>>62560310
>>you only get back about 10% of what you paid
>>你最后只能拿回付出去的大概10%。
How much rent do you get back?
房租你能拿回多少？
>>62560310
You at least recognize its a little complicated. You could have good timing, low interest loans, make your own improvements. There are many tax advantages depending if its a rental or primary residence. It's leaving money on the table if youre in a high tax bracket to not be involved, but if you're barely qualifying, it's not the kind of shit you want to be doing.
你至少承认这事儿有点复杂。你可能赶上好时机、拿到低息贷款、自己搞点装修增值。出租还是自住，税收优惠也不一样。要是你税档高，不掺一脚就是白扔钱；但你要是勉强够资格，那真不是该碰的玩意儿。
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