cover of episode Why Nicole Rents— and Doesn't Own— Her Home

Why Nicole Rents— and Doesn't Own— Her Home

2024/7/11
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Money Rehab with Nicole Lapin
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Nicole Lappin
一位致力于财务教育和媒体的专家，通过多种平台帮助人们提高财务素养。
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Nicole Lappin：与大众的普遍认知相反，我选择租房而不是买房，并且认为这种选择更有利于我的财务增长。我将详细分析租房和买房的财务状况，并挑战买房等于实现美国梦的传统观念。首先，很多人认为买房能够积累财富，因为房产会升值。然而，这并非总是如此。虽然历史上房价长期上涨，但市场存在波动风险，例如2008年的金融危机。即使房价上涨，通货膨胀和房屋维护成本也会抵消一部分收益。房屋维护成本通常占房屋价值的1%-2%，此外还有房产税、保险费和意外维修费用等。因此，实际的投资回报率可能远低于预期。其次，人们认为还清抵押贷款后就能收回投资成本。然而，30年期抵押贷款的利息成本非常高，即使房屋升值，也可能无法完全抵消利息成本。例如，一笔40万的30年期抵押贷款，利息总额可能超过56万。相比之下，租房30年的总成本可能低于买房30年的总成本，包括首付和利息。更重要的是，将省下的租金和首付用于投资，例如股票市场，可能获得更高的回报率。股票市场的年均回报率约为10%，而房屋投资的回报率约为5.4%。因此，长期来看，将资金用于股票市场投资可能积累更多的财富。当然，买房与租房的选择也取决于个人具体情况，例如所在城市房价和租金水平等。对于我个人而言，租房使我能够将资金用于其他投资，例如创业。虽然租房存在租金上涨和居住不稳定的风险，但在我的情况下，租房是更优的选择。总而言之，买房并非总是最佳选择，租房也可能带来财务上的优势。最终的选择取决于个人的财务状况、风险承受能力和个人偏好。

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For decades, the American Dream has been defined by homeownership. But for Nicole, she's been able to make her money work harder for her by renting, and not owning, her home. Today, she follows the money trail of renting versus buying, and challenges the cliche that homeownership is the best path to financial freedom.

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