s***w
发帖数: 521 | 1 let us say 30w house.
three years:
rent: 1500*12*3=54,000
buy:
interests: 1200*12*3=43,200. save tax: *30%=13,000, cost =30,000.
into principal: about 6,000.
the downpayment is 60,000. the interest is 4%, so the cost is 7,500.
the save over rent is: 22,500
assuming no change on the price, still 30w for sale (I know it is uncertain).
the commission is 18,000.
the left over saving is: 4,500.
Do I miss anything here?
thanks! | p**e
发帖数: 676 | 2 house maintenance
home insurance
property tax
inflation
uncertain).
【在 s***w 的大作中提到】
: let us say 30w house.
: three years:
: rent: 1500*12*3=54,000
: buy:
: interests: 1200*12*3=43,200. save tax: *30%=13,000, cost =30,000.
: into principal: about 6,000.
: the downpayment is 60,000. the interest is 4%, so the cost is 7,500.
: the save over rent is: 22,500
: assuming no change on the price, still 30w for sale (I know it is uncertain).
: the commission is 18,000.
| C*******d
发帖数: 15836 | 3 Rent increase.
Life quality.
Usually can save much less than 30% interest in tax. | s***w
发帖数: 521 | 4 with home insurance, now the saving is $3000.
so basically, is is even for three years.
unmeasurable
500*3=1500
included in the interest
how will it have impact? I assume the price is still 30w.
【在 p**e 的大作中提到】
: house maintenance
: home insurance
: property tax
: inflation
:
: uncertain).
| s***w
发帖数: 521 | 5
1500 considered that.
unmeasurable, forget it.
actually $1500 can rent a big house, and you don't need to worry about the
maintaining.
why?
itemized state tax plus some small stuff is similar to standard deduction.
So the interest is at the top of it. it is reasonable to assume 25% fed,
plus about 5% state.
【在 C*******d 的大作中提到】
: Rent increase.
: Life quality.
: Usually can save much less than 30% interest in tax.
| t**s
发帖数: 1393 | 6 贷款比较少的话，利息/prop tax 报税确实不多 | C*******d
发帖数: 15836 | 7 1500 considered that.
Fine
unmeasurable, forget it.
actually $1500 can rent a big house, and you don't need to worry about the
maintaining.
If you consider renting and owning similar houses the same, I have no more
to say.
why? itemized state tax plus some small stuff is similar to standard
deduction. So the interest is at the top of it. it is reasonable to assume
25% fed, plus about 5% state.
If your standard tax deduction and your itemized tax deduction (with
mortgage interest) are the same am | f****i
发帖数: 9419 | 8 我怎么看着楼主所谓的利息是本金+利息的月供呀？貌似利息是逐年减少的，不是每年
一样呀。
另外咨询个问题，抵税的额度到底是本金+利息的月供还是利息？请高人帮忙扫盲一下
。多谢。 | F****n
发帖数: 3271 | 9 不用抠了, JUMBO以下的贷款3年不涨10%肯定是比租贵。
【在 C*******d 的大作中提到】
: 1500 considered that.
: Fine
: unmeasurable, forget it.
: actually $1500 can rent a big house, and you don't need to worry about the
: maintaining.
: If you consider renting and owning similar houses the same, I have no more
: to say.
: why? itemized state tax plus some small stuff is similar to standard
: deduction. So the interest is at the top of it. it is reasonable to assume
: 25% fed, plus about 5% state.
| c*u
发帖数: 916 | 10 You missed a big part, the property tax.
Property tax (assuming 1.25%): 300000*0.0125*3 = 11,250
Home insurance (assuming u r in a safe place): 600*3 = 1,800
Assume you make no home maintenance and no improvement,
Saving: -8550
【在 s***w 的大作中提到】
: let us say 30w house.
: three years:
: rent: 1500*12*3=54,000
: buy:
: interests: 1200*12*3=43,200. save tax: *30%=13,000, cost =30,000.
: into principal: about 6,000.
: the downpayment is 60,000. the interest is 4%, so the cost is 7,500.
: the save over rent is: 22,500
: assuming no change on the price, still 30w for sale (I know it is uncertain).
: the commission is 18,000.
| | | s***w
发帖数: 521 | 11 itemized state tax plus some small stuff is already similar to standard
deduction!
【在 C*******d 的大作中提到】
: 1500 considered that.
: Fine
: unmeasurable, forget it.
: actually $1500 can rent a big house, and you don't need to worry about the
: maintaining.
: If you consider renting and owning similar houses the same, I have no more
: to say.
: why? itemized state tax plus some small stuff is similar to standard
: deduction. So the interest is at the top of it. it is reasonable to assume
: 25% fed, plus about 5% state.
| g********r
发帖数: 447 | 12 your save tax over renting = (interest+property tax - standard deduction)*30%
And you didn't count your property tax
uncertain).
【在 s***w 的大作中提到】
: let us say 30w house.
: three years:
: rent: 1500*12*3=54,000
: buy:
: interests: 1200*12*3=43,200. save tax: *30%=13,000, cost =30,000.
: into principal: about 6,000.
: the downpayment is 60,000. the interest is 4%, so the cost is 7,500.
: the save over rent is: 22,500
: assuming no change on the price, still 30w for sale (I know it is uncertain).
: the commission is 18,000.
| R**a
发帖数: 190 | 13
是这样的阿，这都是版上的月经问题了。
买房子真的无法生财，除非房价猛涨，或者你有两个房子。
即使房价猛涨，你不卖掉，也是不能兑现的。像我公婆的小town house，
2006年飚到50多万，当时他们那个沾沾自喜阿，呵呵，现在又跌回20多万，
了，跟股票似的，欢天喜地意淫了一番paper money，还不是该做啥做啥
去了。
所以，想用地产赚钱，光房价上涨都还不够，你要有多余的rental property.
【在 s***w 的大作中提到】
: with home insurance, now the saving is $3000.
: so basically, is is even for three years.
:
: unmeasurable
: 500*3=1500
: included in the interest
: how will it have impact? I assume the price is still 30w.
| z*********n
发帖数: 94654 | 14 地产賺钱，除非是第二套房子或者是现金买来的房子
银行贷款的，咋算都经济不合算，呵呵
【在 R**a 的大作中提到】
:
: 是这样的阿，这都是版上的月经问题了。
: 买房子真的无法生财，除非房价猛涨，或者你有两个房子。
: 即使房价猛涨，你不卖掉，也是不能兑现的。像我公婆的小town house，
: 2006年飚到50多万，当时他们那个沾沾自喜阿，呵呵，现在又跌回20多万，
: 了，跟股票似的，欢天喜地意淫了一番paper money，还不是该做啥做啥
: 去了。
: 所以，想用地产赚钱，光房价上涨都还不够，你要有多余的rental property.
| f****t
发帖数: 1063 | 15 why 有两个房子 is good?
if you use cash, then ur cash can earn interest.
【在 R**a 的大作中提到】
:
: 是这样的阿，这都是版上的月经问题了。
: 买房子真的无法生财，除非房价猛涨，或者你有两个房子。
: 即使房价猛涨，你不卖掉，也是不能兑现的。像我公婆的小town house，
: 2006年飚到50多万，当时他们那个沾沾自喜阿，呵呵，现在又跌回20多万，
: 了，跟股票似的，欢天喜地意淫了一番paper money，还不是该做啥做啥
: 去了。
: 所以，想用地产赚钱，光房价上涨都还不够，你要有多余的rental property.
| b*****l
发帖数: 1594 | 16 30w的房子未必能租出1500。大概1200吧。除非是北方的房子包水电。
另外你忘了property tax, insurance. 还有最主要的，维护费用。如果想保持房子良
好状态。每年至少要1.5%的成本。还有割草，浇水，铲雪等等。加起来不是小数目。
还有，30%的税，好像有点高。大多数人达不到这个margin.尤其是卖30w房子的，人大
概在20%的margin就算不少了。
所以基本上房子的回报都在增值部分中。我很多同事都有这个共识。他们都是十几年前
房价低迷的时候买的房子。经历了房价暴涨的有利时期。相比现在买房的已经算很好的
条件了。现在也就是保个本后赚个基本通胀。
uncertain).
【在 s***w 的大作中提到】
: let us say 30w house.
: three years:
: rent: 1500*12*3=54,000
: buy:
: interests: 1200*12*3=43,200. save tax: *30%=13,000, cost =30,000.
: into principal: about 6,000.
: the downpayment is 60,000. the interest is 4%, so the cost is 7,500.
: the save over rent is: 22,500
: assuming no change on the price, still 30w for sale (I know it is uncertain).
: the commission is 18,000.
| b*****l
发帖数: 1594 | 17 可以折旧。
【在 f****t 的大作中提到】
: why 有两个房子 is good?
: if you use cash, then ur cash can earn interest.
| s***w
发帖数: 521 | 18
property tax is low, about 2300, included in the interests.
fed 25%, plus state.
【在 b*****l 的大作中提到】
: 30w的房子未必能租出1500。大概1200吧。除非是北方的房子包水电。
: 另外你忘了property tax, insurance. 还有最主要的，维护费用。如果想保持房子良
: 好状态。每年至少要1.5%的成本。还有割草，浇水，铲雪等等。加起来不是小数目。
: 还有，30%的税，好像有点高。大多数人达不到这个margin.尤其是卖30w房子的，人大
: 概在20%的margin就算不少了。
: 所以基本上房子的回报都在增值部分中。我很多同事都有这个共识。他们都是十几年前
: 房价低迷的时候买的房子。经历了房价暴涨的有利时期。相比现在买房的已经算很好的
: 条件了。现在也就是保个本后赚个基本通胀。
:
: uncertain).
| s***w
发帖数: 521 | 19 为什么折旧就能赚钱？
【在 b*****l 的大作中提到】
: 可以折旧。
| p**e
发帖数: 676 | 20 counted as business operaton loss?
【在 s***w 的大作中提到】
: 为什么折旧就能赚钱？
| | | s***w
发帖数: 521 | 21 still a loss, after reducing the loss.
【在 p**e 的大作中提到】
: counted as business operaton loss?
| j***b
发帖数: 5901 | 22 如果itemize deduction不是很高的话贷款利息能省的税不多。10500的standard
deduction还是挺不容易beat的。
uncertain).
【在 s***w 的大作中提到】
: let us say 30w house.
: three years:
: rent: 1500*12*3=54,000
: buy:
: interests: 1200*12*3=43,200. save tax: *30%=13,000, cost =30,000.
: into principal: about 6,000.
: the downpayment is 60,000. the interest is 4%, so the cost is 7,500.
: the save over rent is: 22,500
: assuming no change on the price, still 30w for sale (I know it is uncertain).
: the commission is 18,000.
| j***b
发帖数: 5901 | 23 房租是分地方的。我们这里30万的房子不要说1200，1500我看也难以租到。我认为1200
能租到30万房子的地方恐怕都是房子增值很快的。否则没有任何理由买房。
【在 b*****l 的大作中提到】
: 30w的房子未必能租出1500。大概1200吧。除非是北方的房子包水电。
: 另外你忘了property tax, insurance. 还有最主要的，维护费用。如果想保持房子良
: 好状态。每年至少要1.5%的成本。还有割草，浇水，铲雪等等。加起来不是小数目。
: 还有，30%的税，好像有点高。大多数人达不到这个margin.尤其是卖30w房子的，人大
: 概在20%的margin就算不少了。
: 所以基本上房子的回报都在增值部分中。我很多同事都有这个共识。他们都是十几年前
: 房价低迷的时候买的房子。经历了房价暴涨的有利时期。相比现在买房的已经算很好的
: 条件了。现在也就是保个本后赚个基本通胀。
:
: uncertain).
| a**v
发帖数: 800 | 24 interests: 1200*12*3=43,200.
这个1200是啥么？ | t*****M
发帖数: 597 | 25 30万的房子租不到1500???
大侠你在哪里啊？？
【在 b*****l 的大作中提到】
: 30w的房子未必能租出1500。大概1200吧。除非是北方的房子包水电。
: 另外你忘了property tax, insurance. 还有最主要的，维护费用。如果想保持房子良
: 好状态。每年至少要1.5%的成本。还有割草，浇水，铲雪等等。加起来不是小数目。
: 还有，30%的税，好像有点高。大多数人达不到这个margin.尤其是卖30w房子的，人大
: 概在20%的margin就算不少了。
: 所以基本上房子的回报都在增值部分中。我很多同事都有这个共识。他们都是十几年前
: 房价低迷的时候买的房子。经历了房价暴涨的有利时期。相比现在买房的已经算很好的
: 条件了。现在也就是保个本后赚个基本通胀。
:
: uncertain).
|
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