Buying Remains 36% Cheaper than Renting!

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In the latest Rent vs. Buy Report from Trulia, they explained that homeownership remains cheaper than renting with a traditional 30-year fixed rate mortgage in the 100 largest metro areas in the United States.

來自Trulia最新的租屋vs.購屋報告指出,在美國100個最大都會中心以30年固定利率貸款購屋遠比租屋30年來得便宜。

The updated numbers actually show that the range is an average of 5% less expensive in Orange County (CA) all the way up to 46% in Houston (TX), and 36% Nationwide! 

更新後的數字範圍介於加州橙縣的便宜5%到德州休斯頓的便宜46%,全國平均值為便宜36%。

A recent study by GoBankingRates looked at the cost of renting vs. owing a home at the state level and concluded that in 36 states it is actually ‘a little’ or ‘a lot’ cheaper to own, represented by the two shades of blue in the map below.

GoBankingRates最近的一項研究調查了租屋和購屋開銷,結論為在36州購屋可省下一些或是很大一筆錢,以深淺藍色顯示為以下地圖中。

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One of the main reasons that owning a home has remained significantly cheaper than renting is the fact that interest rates have remained at or near historic lows. Freddie Mac reports that rates fell again last week to 3.43%.

購屋比租屋便宜的其中一個主要原因為利率仍然處於歷史低點,房地美報告指出上週利率再度下跌至3.43%。

Nationally, rates would have to rise to 10.6% for renting to be cheaper than buying – and rates haven’t been that high since 1989.  

以全國來看,利率必須上升10.6%後租屋才會比購屋便宜,而利率自1989年後再也沒有這麼高過。

Bottom Line
結論

Buying a home makes sense socially and financially. If you are one of the many renters who would like to evaluate your ability to buy this year, let’s get together and find you your dream home.

購屋不但可任您擁有自己的家,更可擁有財富,如果您目前還在租屋,歡迎與我們聯絡,討論您是否早已擁有購屋的能力,擁有您夢想中的家園。

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