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拥有自己的房子成为了如今“美国梦”的一部分，也被视作完全成人的一个标志。不过，拥有房产这件事从20世纪50年代才开始有，所以还不太成熟喔。 人们通常认为买房可以保障退休生活，这简直傻到家。事实上买房对你来说也许不是最佳选择。按揭可能比租金便宜，但不要忘了还有税费，保险费和“房产持有费”。可能有天你卖个好价钱，比买价高，不过算上按揭利息和税费也是亏了。你可以免受房东的气，但将发现你的“房产持有费”更让你喘不过气来。此外，还有个让人头疼的事情：租房可以让你免于维修的责任和压力，但买房却不能。租房还能让你自由来去。 所以，买房还是租房，先看看自己腰包、生活习惯和长远打算再说。 Our current image of the American Dream revolves around homeownership, and buying a home is often taken for granted as a stage on the path to full-fledge adulthood. But the ideal of universal home ownership was born in the 1950s. It's a rather new idea. With such a short history, it's funny that people often insist that buying a house is a fool-proof investment and the best way to secure retirement. In fact, buying a house may not be the best choice for you. The mortgage may be less than rent, but there are also taxes, insurance, and the increasingly common Home Owners Association (HOA) fees. You may someday sell the house for more than you bought it but, if you paid interest on a mortgage, you also paid far more than the sale price. You have freedom from a landlord, but may discover your HOA is just as controlling, or worse. And then there's the headache: renting relieves you from the stress of being responsible for repairs. It also offers a freedom of movement that you might cherish. So, think carefully about whether buying or renting is a better fit for your finances, lifestyle, and future goals. |
