cover of episode How Much Down Payment Help from Family Makes Buying a House Affordable?

How Much Down Payment Help from Family Makes Buying a House Affordable?

2024/11/18
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H
Henah
K
Katie
L
Lauren
Topics
Lauren居住在房价昂贵的城市，在仅依靠自己收入的情况下，租房比买房更经济实惠。然而，她的父母愿意为她提供购房首付资金，这让她开始犹豫是否应该买房。Lauren更希望父母直接给她这笔钱用于投资，因为即使父母资助了首付，她每月的房贷支出仍然会高于目前的租金，这意味着她需要减少投资金额，这可能会影响她实现财务目标。 Katie分析了Lauren的情况，指出由于这笔首付资金只有在购房时才能获得，因此机会成本的计算方式与通常情况相反。Katie建议Lauren在出售房产时偿还父母的20万美元，并认为在这种情况下，由于Lauren有伴侣分担一半的房贷支出，并且当地房地产市场强劲，买房是一个不错的选择。Katie还提醒Lauren，最大的风险是市场长期低迷以及伴侣可能无法继续分担费用。 Henah提到了全国房地产经纪人协会（NAR）的新协议，该协议改变了房屋买卖双方经纪人的佣金支付方式。根据新协议，购房者必须与经纪人签订书面协议，明确佣金支付方式和金额，并且卖方提供的佣金不再在MLS上共享，需要线下沟通。Henah分享了听众Chancy的经历，由于没有与经纪人协商佣金，Chancy支付了比预期更高的费用。Henah也分享了自己的买房经历，并意识到自己也可以与经纪人协商更低的佣金。

Deep Dive

Chapters
Rich Girl Lauren is considering her parents' offer to contribute to a down payment for a home, but she must pay it back. The discussion explores the financial implications of this decision, comparing renting versus buying in an expensive housing market.
  • Lauren's rent is $2,100 per month, and she earns $130,000 per year.
  • A comparable condo costs between $900,000 and $1.2 million.
  • Her parents offer $200,000 as a down payment, either as a zero-percent loan or as co-purchasers.

Shownotes Transcript

Rich Girl Lauren lives in an expensive city, and her parents are offering her some money—but she only gets the money as a down payment for a home and she’ll have to pay it back eventually. Is it worth it? And separately, how are home buyers affected by the recent NAR agreement?

We are not licensed professionals; please do your own due diligence.

Rich Girl Roundup is Money with Katie's weekly segment where Katie and her Executive Producer Henah answer your burning money questions. Each month, we'll put out a call for questions on her Instagram (@moneywithkatie). New episodes every week.

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Transcript, show resources, production credits, and more can be found at: https://moneywithkatie.com/down-payment-help).

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