Whether You Rent or Buy: Either Way You’re Paying a Mortgage 無論租屋還是購屋都在支付房貸

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There are some renters who have not yet 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.

有些租屋者遲遲沒有購買房屋,因為他們不想承擔房貸。每個人都應該意識到,除非您是和父母免費同住,每個月您還是在支付房貸 – 無論是幫您自己或是您的房東。

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

作為屋主,您的房屋貸款是一種“強制儲蓄”,允許您以房屋建立抵押資產,可讓您在未來使用。作為租屋者,您是在幫房東建立抵押資產。

Are you ready to put your housing cost to work for you?
您準備好將房屋開銷轉成您的利益嗎?

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

Freddie Mac高級副總裁兼獨立屋銷售和關係管理主管Christina Boyle解釋了為何支付房貸比支付租金有更多益處:

“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.”

“利用30年固定利率房屋貸款,您可清楚的知道未來30年房屋開銷的確定性和穩定性 – 不像租金,將在未來30年持續上漲。”

Bottom Line
結論

This holiday season, why not give yourself the gift of homeownership? Lock in your housing costs for the next 30 years and guarantee you are the one building wealth.

這個年底假期,何不給自己個大禮物成為屋主?鎖定您未來30年的住屋開銷,並保證您累積財富!

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