Harvard: 5 Reasons Why Owning A Home Makes Sense Financially

20160613-FinancialReasons-STM

We have reported many times that the American Dream of homeownership is alive and well. The personal reasons to own a home differ for each buyer, but there are many basic similarities.

我們曾經多次報導了有關擁有自己房屋的美國夢想,每個人想要擁有自己房屋的原因不同,但還是有許多相似之處。

Eric Belsky is the Managing Director of the Joint Center of Housing Studies (JCHS) at Harvard University.He authored a paper on homeownership titled – The Dream Lives On: The Future of Homeownership in America. In his paper, Belsky reveals five financial reasons why people should consider buying a home.

艾力克·貝爾斯基是哈佛大學聯合住房研究中心的董事總經理,他撰寫了題為”夢想持續實現:美國住屋擁有權的未來”論文,在論文中,貝爾斯基列出了人們因財務原因而應該購屋的五項原因。

Here are the five reasons, each followed by an excerpt from the study:
這是論文中列出的五個原因與研究的摘錄:

1) Housing is typically the one leveraged investment available.
房地產通常是一個以小搏大的槓桿投資。

“Few households are interested in borrowing money to buy stocks and bonds and few lenders are willing to lend them the money. As a result, homeownership allows households to amplify any appreciation on the value of their homes by a leverage factor. Even a hefty 20 percent down payment results in a leverage factor of five so that every percentage point rise in the value of the home is a 5 percent return on their equity. With many buyers putting 10 percent or less down, their leverage factor is 10 or more.”

“很少人會想要貸款來買股票和債券投資,也很少有銀行願意因為這原因借錢給顧客,因此購買房地產允許人們以槓桿投資的方式來獲取物價上漲的最高利益,即使是一個沉重的20%頭期款,也有五個槓桿係數的支付結果,因此在房屋價值每一個百分點的上升,即有5%的回報率,隨著不少購屋者只付了10%或更少的頭期款,其槓桿係數為10以上。

2) You’re paying for housing whether you own or rent.
無論是自己的住屋還是租屋,您都必須付錢。

“Homeowners pay debt service to pay down their own principal while households that rent pay down the principal of a landlord.” 

“房主支付每月房貸來償還自己的本金,而租屋則是支付每月租金來償還房東的房貸。”

3) Owning is usually a form of “forced savings.”
擁有房地產也是一種強制儲蓄”。

“Since many people have trouble saving and have to make a housing payment one way or the other, owning a home can overcome people’s tendency to defer savings to another day.”

“許多人不會存錢,但支付房貸卻是必須的,因此擁有房屋可解決人們不願定期儲蓄的問題。

4) There are substantial tax benefits to owning.
擁有房屋也同時擁有節稅優惠。

“Homeowners are able to deduct mortgage interest and property taxes from income…On top of all this, capital gains up to $250,000 are excluded from income for single filers and up to $500,000 for married couples if they sell their homes for a gain.”

“屋主在報稅時可以從收入中扣房貸利息和地產稅…… 另外如想要賣房賺錢,單身者買賣利益高達$ 250,000可免稅,已婚夫婦買賣利益高達$ 500,000可免稅。

5) Owning is a hedge against inflation.
擁有房屋可保值

“Housing costs and rents have tended over most time periods to go up at or higher than the rate of inflation, making owning an attractive proposition. 

“房屋費用和租金上漲的幅度往往高於通貨膨脹率,因此擁有自己的房屋更可保值。

Bottom Line
結論

We realize that homeownership makes sense for many Americans for an assortment of social and family reasons. It also makes sense financially. If you are considering a purchase this year, let’s get together and evaluate your ability to do so.

我們知道擁有自己的房屋以家庭和社會方面來說有許多優點,另外以財務方面來考慮也是有很多優點的,如果您計劃今年購屋,歡迎與我們聯絡,讓我們一起來幫助您實現擁有自己房屋的夢想。

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