To buy a house in Ji'nan or to rent a house?
http://sd.sdnews.com.cn/jinan/201605/t20160503_2074348.htm
Shandong Business Daily reporter Zhang Yangyang
recently, a survey showed that the burden of rent in Beijing ranked first in the world, with an average monthly rent of 5000 yuan, 1.2 times the average wage, therefore, buying a house or renting a house A lot of problems are entangled. According to the statistics, the average monthly rent in Ji'nan is about 30 yuan /m2, while the new house prices are about 8500 yuan per square meter, and the average price of second-hand housing is more than 11000 yuan per square meter. Is it appropriate to buy a house in Ji'nan or to rent a house? Through cost calculation, reporters ignore interest rate changes, inflation, education and other factors to see which is more cost-effective.
loan to buy a three room 15 year cost 1 million 840 thousand
to the Austrian West Road, for example, the property at present a set of 3 bedroom 130 square meters of second-hand housing price for 1 million 400 thousand yuan, the average price of 10769 yuan per square meter. To buy this house, the first payment needs at least 420 thousand yuan and 980 thousand yuan of commercial loan. If the loan is paid off for 15 years, the monthly supply of 7698.82 yuan is paid in accordance with the current 4.9% benchmark interest rate, and the total amount of the 15 years is up to 1 million 385 thousand and 800 yuan, and the interest will be 405 thousand and 800 yuan.
if the tax and fee of about 35 thousand yuan were added, the cost of buying the house included 455 thousand yuan of cash (including 420 thousand yuan and 35 thousand yuan tax), and the total amount of loan repayments of 1 million 385 thousand and 800 yuan. After 15 years, the house owner spent 1 million 840 thousand yuan and owned a house after the house had finished the loan.
only rent not to buy, 15 years to save 1 million 990 thousand
if the above buyers do not choose to buy a house, but in the residential housing, at present a set of 130 square meters of three room unit monthly rent at about 3000 yuan, assuming that the monthly supply of 7698.82 yuan, 3000 yuan as rent, the remaining 4698.82 yuan as savings, for 5 years. After 5 years, it will be able to save up to 281929.20 yuan, and the maximum interest of 23288.53 yuan will be obtained. If these items are deposited in a 5 year term deposit and continue to take a zero deposit, the interest rate will be able to save up to 845787.6 yuan in the case of 15 years, plus the interest of 296611.84 yuan in the case of the same interest rate. It is said that if the buyer does not choose to rent a house, the monthly savings will save about 1 million 140 thousand yuan in 15 years. At the same time, the buyer of the first payment of 455 thousand yuan for the 3 5 - year term deposits, in accordance with the current deposit interest, the maximum interest of 391694.48 yuan after 15 years, the total amount of 846694.48 yuan. According to this method, the buyer can deposit at nearly 1 million 990 thousand yuan in 15 years without buying a house but renting a house and choosing a savings account.
house prices are rising fast, the potential for appreciation is
in this case, when the same amount of money is invested, home buyers have a set of housing in 15 years, and when they choose to rent, they may have 1 million 990 thousand yuan.
and according to the reporter, if this set of houses worth 1 million 400 thousand yuan is added to 1 million 990 thousand yuan in 15 years, the price of house prices should rise 303 yuan per year per year. In the last 3 years, the average annual house price rises by 500 yuan per square meter, and the increase reaches 5%. If the increase is unchanged, the house price will be in the 15 years. It will be as high as 18269 yuan / square meter, and the value of the house will be as high as 2 million 370 thousand yuan. And from the last 10 years, the city's housing prices have maintained a relatively rapid growth. In 2006, the average price of the provincial capital was only about 4500 yuan per square meter, and ten years later, it has risen nearly 9.
but because of money and other problems, many people continue to rent a house, according to a survey report issued by Penguin Zhi cool, whether it is a first line city or two or three line cities, renting users occupy the majority of the proportion, of which more than 77% people in the north and wider than the rent, the capital and the two or three line of the city's rental housing use. The household reached 65%.