Whether You Rent or Buy, You’re Paying a Mortgage

There are some people that have not purchased a home because they are uncomfortable taking on the obligation of a mortgage. Everyone should realize that, unless you are living with your parents rent free, you are paying a mortgage – either yours or your landlord’s.

有些人遲遲並未購屋,因為他們不想承擔房貸的責任,每個人都應該意識到,除非您是和父母同住不需要付租金,您每個月都在付房貸 – 無論是您自己的房貸或是房東的房貸。

As The Joint Center for Housing Studies at Harvard University explains:

哈佛大學中心聯合住房研究解釋說:

“Households must consume housing whether they own or rent. Not even accounting for more favorable tax treatment of owning, homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord plus a rate of return.

That’s yet another reason owning often does—as Americans intuit—end up making more financial sense than renting.”

“無論是租屋或是擁有房屋都有房屋開銷,擁有自己的房屋不但可以節稅,每月付的房貸都是增加自己的本金,而租屋者則是在幫房東付清房貸。

因此擁有自己的住屋比租屋更能增加財富。”

Christina Boyle, a Senior Vice President, Head of Single-Family Sales & Relationship Management at Freddie Mac, explains another benefit of securing a mortgage vs. paying rent:

克里斯蒂娜·博伊爾,房地美單家庭銷售及客戶關係管理高級副總裁,介紹了確保房貸比起支付租金的另一個好處:

“With a 30-year fixed rate mortgage, you’ll have the certainty & stability of knowing what your mortgage payment will be for the next 30 years – unlike rents which will continue to rise over the next three decades.”

“隨著30年期固定利率房貸,您可以擁有確定性和穩定性的知道未來三十年每月所需付的房貸金額,不像租金將在未來的三十年持續上漲。”

As an owner, your mortgage payment is a form of ‘forced savings’ which allows you to have equity in your home that you can tap into later in life. As a renter, you guarantee the landlord is the person with that equity.

做為屋主,您的房貸可以算是一種“強制儲蓄”,它可以讓您的房屋增加抵押資產,在日後的生活中可使用的金錢,做為房客,您只是在幫您的房東增加他的抵押資產。

Interest rates are still at historic lows, making it one of the best times to secure a mortgage and make a move into your dream home. Freddie Mac’s latest report shows that rates across the country were 3.43% last week.

目前利率仍處於歷史低點,因此現在正是取得低利率房貸和購屋的好時機,房地美的最新報告顯示,目前上週全國平均利率為3.43%。

Bottom Line
結論

Whether you are looking for a primary residence for the first time or are considering a vacation home on the shore, now may be the time to buy.

無論您正在尋找您的第一棟房屋或是海邊的度假屋,現在正是購屋的好時機!

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