回复: 来个实际的买房划算还是租房划算-单从经济角度考虑
19万的Condo, 无首付, 25年期贷款, 交税6%计11400块, 律师费1500, 保险6000, 共计付出:
$208900
每月房贷1300, 地税210, 电费100, 管理费240, 共计$1850
5年共付出1850*12*5=$111000
根据银行的Statement, 5年共计付出贷款1300*12*5=$78000, 其中本金20000块, 利息58000块.
即5年内如果买房, 共损失111000-20000=$90000, 只有20000块打到本金中.5年后, 本金仍然欠208900-20000=$188900.
也就是说, 190000买的房, 5年后还欠$188900
租房的, 大家根据自己的实际情况算一下吧.
网上很多计算器,这有一个。
http://members.shaw.ca/realtyca/calculator.html因为你没给出利率,我用你的数据反推出你的利率为5.65%。以下是前五年的详细数据。但是,后面的利息回越来越少,所以,应该计算总的利息在分摊在25年。
总利息为 1300*25*12-208900=181100/25=7244*5=36220。
所以,你5年的利息是36220。
现在的利息已经低到3.85%,我在后面按现在的利率算了一下新的利息。,
共25年每个月分期付款:
$1,301.61
月偿还利息偿还本金所剩余额1$983.57$318.04$208,582.212$982.07$319.54$208,262.683$980.57$321.04$207,941.644$979.06$322.55$207,619.085$977.54$324.07$207,295.016$976.01$325.60$206,969.427$974.48$327.13$206,642.298$972.94$328.67$206,313.629$971.39$330.22$205,983.4010$969.84$331.77$205,651.6311$968.28$333.33$205,318.2912$966.71$334.90$204,983.39
Totals for year 1: 此年共支付利息: $11,702.47
此年共支付本金: $3,916.86
贷款所剩余额是: $204,983.39
月偿还利息偿还本金所剩余额13$965.13$336.48$204,646.9114$963.55$338.06$204,308.8415$961.95$339.66$203,969.1916$960.35$341.26$203,627.9317$958.75$342.86$203,285.0718$957.13$344.48$202,940.5919$955.51$346.10$202,594.5020$953.88$347.73$202,246.7721$952.25$349.37$201,897.4022$950.60$351.01$201,546.3923$948.95$352.66$201,193.7324$947.29$354.32$200,839.40
Totals for year 2: 此年共支付利息: $11,475.34
此年共支付本金: $4,143.98
贷款所剩余额是: $200,839.40
月偿还利息偿还本金所剩余额25$945.62$355.99$200,483.4126$943.94$357.67$200,125.7527$942.26$359.35$199,766.3928$940.57$361.04$199,405.3529$938.87$362.74$199,042.6130$937.16$364.45$198,678.1531$935.44$366.17$198,311.9932$933.72$367.89$197,944.1033$931.99$369.62$197,574.4734$930.25$371.36$197,203.1135$928.50$373.11$196,830.0036$926.74$374.87$196,455.13
Totals for year 3: 此年共支付利息: $11,235.05
此年共支付本金: $4,384.28
贷款所剩余额是: $196,455.13
月偿还利息偿还本金所剩余额37$924.98$376.63$196,078.4938$923.20$378.41$195,700.0839$921.42$380.19$195,319.8940$919.63$381.98$194,937.9241$917.83$383.78$194,554.1442$916.03$385.58$194,168.5543$914.21$387.40$193,781.1544$912.39$389.22$193,391.9345$910.55$391.06$193,000.8746$908.71$392.90$192,607.9747$906.86$394.75$192,213.2348$905.00$396.61$191,816.62
Totals for year 4: 此年共支付利息: $10,980.82
此年共支付本金: $4,638.51
贷款所剩余额是: $191,816.62
月偿还利息偿还本金所剩余额49$903.14$398.47$191,418.1450$901.26$400.35$191,017.7951$899.38$402.24$190,615.5652$897.48$404.13$190,211.4353$895.58$406.03$189,805.4054$893.67$407.94$189,397.4655$891.75$409.86$188,987.5956$889.82$411.79$188,575.8057$887.88$413.73$188,162.0658$885.93$415.68$187,746.3859$883.97$417.64$187,328.7560$882.01$419.60$186,909.14
Totals for year 5: 此年共支付利息: $10,711.85
此年共支付本金: $4,907.48
贷款所剩余额是: $186,909.14
按利息3.85%算, 如果月供基本相当,只用19年,总利息是1293.24*19*12-208900=85958.72/19=4524*5=22620。
而且,利率还可能下调一个百分点,所以,现在买房还是划算。
共19年每个月分期付款:
$1,293.24
月偿还利息偿还本金所剩余额1$670.22$623.02$208,277.232$668.22$625.02$207,652.213$666.22$627.02$207,025.194$664.21$629.04$206,396.155$662.19$631.05$205,765.106$660.16$633.08$205,132.027$658.13$635.11$204,496.918$656.09$637.15$203,859.779$654.05$639.19$203,220.5710$652.00$641.24$202,579.3311$649.94$643.30$201,936.0312$647.88$645.36$201,290.67
Totals for year 1: 此年共支付利息: $7,909.31
此年共支付本金: $7,609.58
贷款所剩余额是: $201,290.67
月偿还利息偿还本金所剩余额13$645.81$647.43$200,643.2414$643.73$649.51$199,993.7315$641.65$651.59$199,342.1316$639.56$653.69$198,688.4517$637.46$655.78$198,032.6618$635.35$657.89$197,374.7819$633.24$660.00$196,714.7820$631.13$662.11$196,052.6721$629.00$664.24$195,388.4322$626.87$666.37$194,722.0623$624.73$668.51$194,053.5524$622.59$670.65$193,382.90
Totals for year 2: 此年共支付利息: $7,611.12
此年共支付本金: $7,907.77
贷款所剩余额是: $193,382.90
月偿还利息偿还本金所剩余额25$620.44$672.80$192,710.0926$618.28$674.96$192,035.1327$616.11$677.13$191,358.0028$613.94$679.30$190,678.7029$611.76$681.48$189,997.2230$609.57$683.67$189,313.5531$607.38$685.86$188,627.6932$605.18$688.06$187,939.6333$602.97$690.27$187,249.3734$600.76$692.48$186,556.8835$598.54$694.70$185,862.1836$596.31$696.93$185,165.24
Totals for year 3: 此年共支付利息: $7,301.24
此年共支付本金: $8,217.65
贷款所剩余额是: $185,165.24
月偿还利息偿还本金所剩余额37$594.07$699.17$184,466.0838$591.83$701.41$183,764.6639$589.58$703.66$183,061.0040$587.32$705.92$182,355.0841$585.06$708.19$181,646.8942$582.78$710.46$180,936.4443$580.50$712.74$180,223.7044$578.22$715.02$179,508.6845$575.92$717.32$178,791.3646$573.62$719.62$178,071.7447$571.31$721.93$177,349.8148$569.00$724.24$176,625.57
Totals for year 4: 此年共支付利息: $6,979.22
此年共支付本金: $8,539.68
贷款所剩余额是: $176,625.57
月偿还利息偿还本金所剩余额49$566.67$726.57$175,899.0050$564.34$728.90$175,170.1051$562.00$731.24$174,438.8752$559.66$733.58$173,705.2853$557.30$735.94$172,969.3554$554.94$738.30$172,231.0555$552.57$740.67$171,490.3856$550.20$743.04$170,747.3457$547.81$745.43$170,001.9158$545.42$747.82$169,254.0959$543.02$750.22$168,503.8860$540.62$752.62$167,751.25
Totals for year 5: 此年共支付利息: $6,644.58
此年共支付本金: $8,874.32
贷款所剩余额是: $167,751.25