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租房可行吗?

Is It Okay to Rent?

Philip, brace yourself.
Philip 准备好了
I’m about to say something controversial…
我要说个有争议的话题
What is it? The earth is flat?
是啥? 地球是平的?
Tomatoes aren’t really a fruit?
番茄真的不是水果?
The Star Wars Prequels were better than the Originals?
还是《星球大战前传》比原著更好?
Renting isn’t always a bad financial decision…
租房并不总是个糟糕的财务决策
Say what?
你说啥?
But isn’t renting just throwing money away?
租房不等于是往外扔钱吗?
When you buy a home, your monthly payments are going towards something you will eventually own.
等你买房了 月供最终会转变成你的房产
Yes, but not for a long time.
没错 可是得等很长时间
Thanks to amortization, the first 5 to 10 years of mortgage payments
因为分期还款 最初5到10年的按揭款
are mostly interest.
大部分都是利息
But… but the home is appreciating, right?
但是 但是房子在增值 对吗?
So even if you’re not paying down the principal,
因此即便没有偿还本金
you’re still making money, right?
你还是在赚钱 对吧?
True, but not that much more than inflation.
没错 可是比不上通货膨胀
Homeownership might work out for some, but
自有房屋可能解决部分人的问题
can become a financial burden for others.
但对其他人来说可能是经济负担
So when is renting a good financial decision?
那么租房啥时候成了好的财务决策?
And is renting viable as a long-term strategy?
长期租房的策略可行吗?
《两分钱》
This is Kira.
这是Kira
She just landed a job in a new city,
她刚在新城市找到一份工作
and has already started shopping for places to live.
已经开始寻找住所
She’s trying to decide if she should take the money she’s saved up and put it toward a house,
她在想 到底是用积蓄付首付买房呢
or invest it in index funds while she rents.
还是用于投资指数基金并租房住
调查租售比!
A great way to find out whether you should rent or buy
确定租房还是买房的一个好办法是
is to look at the Price-to-Rent ratio.
查看房价和租金的比率
Find two similar houses, apartments, or condos in your area;
在本地找两栋类似的房屋或者公寓
one for sale and one for rent.
一栋在售的 一栋出租的
Divide the sale price of one by the annual rental cost of the other.
用这栋房的售价除以另一栋的年租金
Experts say if the P/R ratio is over 15,
专家说如果售租比大于15
it’s probably less expensive to rent.
那么可能租房更划算
For example, the P/R ratio for the city of Cincinnati is about 8.3,
例如 根据美国人口普查局的数据
according to the U.S. Census Bureau.
辛辛那提市的售租比约8.3
In our hometown of Austin, it’s 22.9.
在我的家乡奥斯丁是22.9
And in San Francisco, it’s 50.1!
在旧金山是50.1!
Put another way, a $600,000 home in San Francisco would
换句话说 旧金山价值60万美元的房屋
rent for only $1,000 a month!
每月租金仅1000美元!
There are even free “Rent vs. Buy” calculators online
甚至有在线免费的“租还是买”计算器
that will help you do the math with your own specifics!
根据你的具体情况帮你计算!
After shopping around, Kira finds an area that she’s happy with.
逛完后 Kira找到了自己满意的地方
The average home price is $270,000.
平均房价为27万美元
And the average rent is $1,100 a month.
平均每月租金为1100美元
That means her area’s P/R ratio is 20.5,
这表明她所在地区的售租比是20.5
and she’ll get more bang for her buck by renting.
租房对她来说更合算
She also doesn’t know if she wants to live in this city long term,
她也不知道自己是否想长期住在这个城市
making renting an even more attractive option.
因此租房的选择更具吸引力
She decides against buying a home,
她决定先不买房
and will invest the money she saved for a down payment in an index fund instead.
并把她存来付首付的钱投资指数基金
制定预算
When it comes to affording a place to live, millennials have an uphill battle.
说到供房问题 千禧一代面临诸多困难
Baby Boomers spent an average of 36% of their income on rent.
婴儿潮一代平均将36%的收入用于租房
Gen-X spent 41%.
X世代的人花费了41%
And millennials now pay over
现在千禧一代仅是住房
45% of their pre-tax income on housing costs alone!
就花了税前收入的45%以上
This makes it especially hard to invest, save, and give to charity.
这样就更没钱去投资 储蓄和做慈善了
Experts suggest keeping your total housing costs below 30% of your income.
专家建议将住房总开支控制在收入的30%以下
Kira’s new salary is $58,000 a year.
现在Kira的工资是每年5万8千美元
That would mean her maximum fixed housing expense should
那么她用于住房的固定开支
ideally fall below $1450 a month.
最好是每月不超过1450美元
Since utilities are usually 20% of housing expense,
由于水电费通常占住房开支的20%
this would equate to $1160 a month in rent
相当于每月房租费1160美元
and $290 for utilities.
水电费290美元
Now she has a budget to start shopping for her new place.
现在她为新住所做好了预算
地理位置!
Kira’s new job is downtown.
Kira的新工作在市区
But rents in that area are pretty high.
但是该地段租金很高
Further out of town, costs are lower… but then there’s the commute.
远离市区 费用较低 但是通勤不便
One study found that every mile she has to drive to work
研究表明 如果她开车去上班
costs $795 a year
每开一公里
through depreciation, gas, maintenance, and lost wages.
每年的折旧费 油费 维修费和误工费要795美元
For Kira, a 10 mile commute might cost her $8,000 a year!
对Kira来说 通勤十英里一年可能要八千美元
She makes a mental note to add public transit and carpool meetups
她心里牢记要把公共交通和拼车
to her list of search criteria.
添加到查找条件里
One often overlooked resource for renters in a new city
到新城市 租房者经常忽视的资源是
is to work with a licensed realtor.
去找持牌房产经纪人
That’s right, they’re not just for home buyers!
没错 他们不止为购房者服务!
A good Realtor will know the best areas to begin your search.
好的房产经纪人知道你最该从哪个区域查看
They might know about better deals that aren’t widely advertised.
他们可能知道不为人知的更划算的交易
And best of all, their commission is paid by the property owner, not you!
最棒的是 佣金是由业主而非你来支付!
Kira would be smart
Kira要是聪明
to engage with one to help narrow her search.
就会找个经纪人帮她缩小查找范围
考虑一个室友!
Kira’s starting to get a little frustrated
Kira开始有点沮丧了
because none of the areas of town she likes fall within her budget.
因为她喜欢的地区房租都超出她的预算
She’s momentarily tempted to throw her budget out the window, when a thought occurs to her.
她刚准备抛开她的预算 突然冒出个想法
Maybe she can keep her housing costs in line and live in a great area,
也许她可以住在舒适的区域而不超预算
if she will consider living with a roommate.
只要她愿意考虑合租
30% of working age adults lived in so called “doubled-up” households.
30%的工薪阶层与别人“同居一室”
She could rent out a spare room to offset the higher costs!
她可以出租空余房间来抵消高房租!
And if she wants to cut costs even more,
如果她还想进一步减少开支
she might even look at “homeshare” networks.
甚至可以考虑“家庭共享”网络
For example, Senior Homeshare or Golden Girls Network
例如 “长者共享住房”或“金发女郎共享住房”
pair younger renters with aging homeowners.
将年轻租客与老年房东搭配
Rent is highly reduced in exchange for a little help around the house
大幅降低租金 以换取租客的一些居家照顾
or rides to a doctor’s appointment.
或者陪同去看医生
自我保护
Another common pitfall renters face is
租客面临的另一个常见陷阱是
failing to closely read their lease terms.
没有仔细阅读租赁条款
A lease is a legally enforceable document
租约是具有法律效力的文书
and it’s your job to arm yourself with the knowledge of exactly what it says.
搞清楚里面的具体条款是你的责任
For example, if you move out early and don’t abide by the lease-breaking rules perfectly,
例如 如果你提前搬出而没完全遵守租约
you could be liable for the rent of the entirety of the lease!
你可能需要支付整个合同期限的租金!
And if you plan to sublet or rent out the apartment, terms will be covered here too.
如果你打算转租或出租公寓 也有条款规定
Some people are surprised to find out
有些人惊讶地发现
that damage of their belongings is generally not covered by their property owner.
房东不会负责租客的财产损失
But renter’s insurance is designed to protect against just that.
但是租房保险可以预防这种情况
In the event of water damage, fire, smoke, or even theft,
假如发生水灾 火灾 烟雾甚至盗窃事件
she can rest easy knowing her belongings are safe.
知道她的私人财产安全 她就可以高枕无忧
The best part?
最棒的部分?
Renter’s insurance is quite cheap.
租房保险相当便宜
For the price of a pizza,
只需一份披萨的价钱
Kira can know that her possessions will be fine,
Kira就可确保财产安全
even if her building is not.
即使住所发生意外
Kira is relieved to have found a place at last.
Kira终于松了口气 找到理想之地
And because she has that index fund,
而且由于她拥有指数基金
she knows she’ll keep pace with her homeowner friends.
她知道自己和有房一族朋友保持同步
Renting may be the right choice for Kira,
租房可能是Kira的正确选择
but it’s not for everyone.
但并非适合所有人
If you’re not strategic about it, it can feel like throwing money away.
如果对此没计划 会感觉租房是浪费钱
But if you’re careful to keep housing costs low,
但是如果你注意不让住房开支过高
and invest the money you save,
并将省下钱的进行投资
it can be a viable long-term alternative to owning.
这可以是长期可行的替代方案
And that’s our two cents!
这就是我们的《两分钱》!
What’s the P/R ratio in your neighborhood?
你附近的售租比是多少?
Calculate it and share it with us in the comments!
计算一下并在评论区与我们分享!

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为你详细分析租房的可行性

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翻译译者

天山童姥

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审核员HJ

视频来源

https://www.youtube.com/watch?v=HQbEU5Vqsk4

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