Best Ways to Split Rent With Roommates / 如何與室友分攤租金

The Best Ways to Split Rent With Roommates 如何與室友分攤租金
from Surterre Properties

One of the biggest advantages of having a roommate is the ability to split the cost of rent and utilities, which usually means you’ll be able to afford a larger apartment with better amenities than you could if you were living by yourself. However, when you live with a roommate, you have to share major expenses, and money can be a sensitive subject.
Everyone has a different view on money – some are spenders; some are savers; and some are a little bit of both. If your roommate isn’t reliable when it comes to making payments, it could end up costing you. That’s why it’s important to make sure you and your new roommate are financially compatible before you sign a lease together.

Define how you will split the rent and other expensesWhether the bedrooms are different sizes or one person has more amenities than other, sometimes splitting the rent in half just doesn’t work. If that’s the case, here are some ways you can determine what each roommate pays:

  • Splitting the cost by sizeIf there is a big disparity in the size of the bedrooms, you may want to base what each roommate pays by square footage. Start by figuring out the cost per square foot of the apartment. You’ll do this by dividing the total cost of rent by the total square footage of the apartment. For example, if your rental rate is $1,000 per month for a 1,000-square-foot apartment, the cost per square foot is $1. Next, determine the square footage of each bedroom, and multiply that number by the cost per square footage. If one bedroom is 250 square feet and the other is 350 square feet, the rental rate per bedroom would be $250 and $350, respectively.
  • Factoring in amenitiesIn addition to square footage, you should also consider any amenities and perks. For example, if one roommate gets a master bedroom with a walk-in closet and his or her own attached bathroom, he or she should pay more than the roommate with the smaller closet and shared bathroom.
  • Don’t forget other shared expensesWhile you’re discussing how to split the rent, you should also talk about utilities. Does one person feel cable is unnecessary while the other can’t live without live sports? Talk through who will use what, and decide what you both think is fair.

Decide who will handle the paymentsIt’s important to determine which roommate will be responsible for paying each bill and mailing the rent check. If not, you could find yourself in a situation where your payments are late because you both thought the other person had taken care of it. Late payments usually mean late fees, so being organized can save you from wasting money.

Determine your payment method. Your landlord will probably accept two checks for rent, one from each of you, so paying the rent via check shouldn’t be a problem. You can also talk to your landlord about getting set up with Lovely, an app and service that allows you to pay your rent online. It even lets you set up reoccurring payments, so you never have to worry about a late rent payment.

Other bills – such as electric, gas, cable and Internet – may pose a bit more of a challenge. You may choose to split the number of bills or divide the payment by the average amount of the bill. Regardless, you’ll need to come up with a method for keeping track of who owes what to whom. Don’t rely on memory – you and your roommate can easily forget or remember differently. You can always go the traditional route of using a spreadsheet, but technology has made it easier than ever. Simply download a bill-splitting app such as Splitwise, SpotMe or Venmo, which do all  the work for you.

In addition to how you split the cost, discuss how long roommates have to pay each other back for shared expenses to make sure you’re on the same page.

Write and sign a roommate agreementOnce you’ve worked out all the details of your shared expenses, set it in stone with a roommate agreement. It may seem like overkill to sign a contract with your roommate, especially if he or she is a friend, but having all of your decisions in writing can save you from arguments down the line. In addition to finances, you can add other rules you’ve agreed upon, such as overnight guests and a cleaning schedule.

source: U.S. News

Best Ways to Split Rent With Roommates / 如何與室友分攤租金
from Surterre Properties

如何與室友分攤租金

找室友一起分租最大的好處就是可以有人一同分攤租金和水電費,因此你們可以住得起以 一個人的經濟能力租不到的更大更舒適房子。室友就得共同分擔租房出支開銷,然而談到錢這件事,總是個令人敏感的話題。每個人對金錢都有不同的觀念,有人慷慨,有人節省,有人剛剛好。如果你的室友在付錢方面不太可靠,最後可能就是你得花錢消災,因此在和室友一同簽訂租約之前,確認你們的經濟狀況是非常重要的。

如何分擔租金與其他費用的事情明白講清楚:無論是臥室的大小不同,或一個人比其他人享有更多的設施,通常平分租約並不是最公平的方法,以下為幾種分擔租約的方法:
  • 按房間大小分配租金
    如果臥室大小差距很大,那麼就可以使用平方英呎來做租約分配。首先要先知道租屋每平方英呎多少錢,以租屋總額除以平方英呎計算,例如你們的租約為每個月$1,000,屋子大小為1,000平方英呎,那麼租屋美平方英呎為$1。再來要知道房間的平方英呎,然後乘以每平方英呎價錢,例如一個房間為250平方英呎,另一個房間為350平方英呎,那麼這兩個房間的租金就應該為 $250和 $350。
  • 額外設施費用
    除了房間大小,設施費用也是要考量的一點。例如住在享有步入式衣帽間和附設衛浴主臥房的室友,就應該要比住在其他房間沒有衣帽間和必須一起分用公家浴室的室友付的租金多一點。
  • 別忘了其他共享費用
    在討論怎麼分配租金時,別忘了也討論如何分配其他費用。例如一位室友覺得不需要裝有線電視,但是另一位室友覺得每天都一定要看有線電視,那麼如何分配這費用就得大家一起討論出公平分配的方法。

決定由一個人來統一付費:決定由哪位室友來統一支付租金和其他費用是非常重要的,如果事先沒有講好,那很可能大家都以為對方會付費,最後忘了繳費,遲繳費就會有罰金,那又是一筆額外的開銷。

確認付款方式:通常你和室友各開支票付房租給房東應該是沒有問題的,也可以問問房東是不是可以有方法讓你們直接在網路上付費,現在很多銀行都有提供網路付費服務,還可以設立每月定時繳交費用。

其他開銷,如水電費,有線電視費和網路費,可能比較難決定該如何分配,總之大家要明白的講清楚,最好可以把所有收支明細都記錄下來,現在也有很多手機APP可以使用,例如Splitwise,SpotMe或是Venmo等APP。

除了討論如何分攤費用,也必須討論清楚室友必須在多少時間之內付錢給先墊錢繳費的室友。

撰寫並簽署室友協議:當決定好要如何分攤租金和其他費用,最好可以以紙筆寫清楚並簽約確認。也許你覺得與室友簽訂合約有點大題小作,尤其室友還是你的好朋友,也許會有點尷尬,但是事先把事情攤開來全都理清,反而可以避免日後的爭執與麻煩。別忘了除了有關金錢方面,其他的同意規則,例如客人過夜,分攤打掃等等規則,也可以清楚的寫在室友協議書上。

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