When to Sell Equity or Borrow: A Guide for Homeowners, Students, and Artists
2024/9/18
Money For the Rest of Us
D
David Stein
我讨论了三种在房屋所有者、学生和艺术家之间出售股权或借款的常见方式:房屋净值投资、收入分成协议和音乐版税。
房屋净值投资允许房主通过放弃未来房屋升值的一部分来换取当前资金。这与抵押贷款不同,因为没有每月还款,但成本可能很高,包括手续费和放弃潜在的升值收益。
收入分成协议允许学生通过放弃未来收入的一部分来换取学费。这种模式最初被认为是一种灵活的替代方案,但后来被认定为贷款,并受到监管机构的审查。
音乐版税允许艺术家通过出售其作品未来版税收入的一部分来获得资金。这为艺术家提供了一种获得资金并使收入多元化的方式,但其流动性可能较差,收益率也较低。
总的来说,选择出售股权还是借款取决于个人的具体情况、风险承受能力和财务目标。股权投资通常更灵活,但成本更高;债务投资通常成本更低,但现金流约束更强。重要的是要仔细阅读相关协议,了解潜在的风险和收益。
Deep Dive
This chapter explores home equity investments, comparing them to traditional mortgages. It delves into how these investments work, their costs, and the flexibility they offer homeowners. The discussion includes examples of companies offering these services and an analysis of their potential benefits and drawbacks.
- Home equity investments differ from mortgages; they involve receiving a payment in exchange for future appreciation.
- Companies like Unlock and Point offer these investments, with varying terms and conditions.
- There's no monthly payment, but a percentage of home value is given up upon agreement end.
Shownotes Transcript