The rent for one room and one living room next to Caltech is about 2000-2500 yuan per month, and the rent for two rooms and one living room is 2500-3000 yuan.
It is not cost-effective to rent a house in the United States, and you need to pay local tax (included in the rent); To undertake the labor of the leasing company; If you move out before the contract expires, you need to continue to pay the rent until the contract expires or the landlord finds a new tenant, without tax deduction. On the other hand, the United States has the same right to rent and sell because tenants have also paid property taxes in disguise. When tenants in China have to pay the land transfer fee in installments, they will almost have the same rights. Under the current domestic system, tenants' contribution to local finance is far less than that of property buyers.
Generally speaking, buying a house for 4-5 years is more cost-effective than renting a house. There are many calculators on the Internet, which can be used to calculate whether it is appropriate to buy a house or rent a house. The settings of the calculator are very detailed. Enter the house price, mortgage interest rate, property tax, individual tax, maintenance fee, home insurance, tenant insurance, inflation rate, house depreciation rate, handling fee for buying and selling houses, etc. Then press OK.
My results are:
A year is too long, and there must be unexpected expenses or troubles in buying a house. If you can live for a few years, you should consider buying a house. For example, doctors, veterinarians and dentists are all tall occupations (there is an episode of H in the bar, and doctors, lawyers and athletes can talk after talking). Some banks give holders of three medical positions the lowest interest rate and 0 down payment to buy a house. Therefore, many residents of my family of three or four still buy a house with an annual income of 50,000-60,000, and then sell the house after the living stage-of course, it is impossible in Greater Los Angeles.
There are also many people who buy houses near the school for their children who are about to go to college. The children live in one bedroom and the rest are rented to alumni. Children will sell their houses after graduating from college, which is very mobile.
Unfortunately, they are scientists and can't afford it. . .
Of course, it is also possible that they don't know whether they will have funds next year and whether they can continue to work at Caltech. . . What will happen if you move to Chicago next year?
It's still more likely that you can't afford it. In the United States, there is no provident fund for property tax, houses need to be maintained, the cost of babysitting is extremely expensive, and wages are rising slowly. It is the limit to bear the house price of five times the pre-tax income of the family.
It's still quite expensive next to California Institute of Technology, and altadena in the north is cheap, but the security is not good. If it is farther, it will take an hour to commute, one way, which is very painful. It is rare to see floating spring scientists who live too far away, because they have neither money nor time.
Sheldon should be a lecturer, researcher or assistant professor with an annual salary of 8-65438+ 10,000. He certainly didn't get tenure, because one episode offended the dean and was suspended. Leonard and Sam have no teachers, almost 70 thousand, Amy 5.5 thousand.
If you are single, everyone can't get more than 4000-5000 a month. After deducting the rent, there is little water and electricity insurance left, and the down payment cannot be saved. Earn less, like all kinds of waves. It's strange that I can save money. Leonard has a student loan.
After marriage, the Ponies are in their early twenties (twice as much as L) and can save 3,000-4,000 yuan every month. If the house price does not rise, it will be enough for the down payment, provided that the house price does not rise. . . No children. . . The age when Americans buy a house for the first time is about 33 years old, which is almost the process.
If the down payment is less than 20%, you need to pay an additional mortgage insurance (PMI). The premium is about 1- 1.5% of the annual house price, which is about 5000-8000 dollars per year according to the house price in Greater Los Angeles.
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Americans also buy houses-> Renting a house despises the chain home.
My neighbors like to hold parties and play music. Once, at nine o'clock in the evening, I was barbecued in the garage door and was called by my neighbor to complain. When he was drinking with me, he cursed and said that it was only after 9 o'clock in the evening, and he was so angry that he put down all the old papers. A renter also has so many things to do, and the old paper lives in his own home. . . .
In addition, real estate investment is also a good investment channel for wage earners. The assets in the population inflow area increase, and the stable area earns cash flow. Needless to say, mitbbs has a landlord version.
Ps of ps
Sam should be able to afford a house at home. the problem is
First of all, he didn't have a green card and his funds were unstable (once). If he is forced to jump ship or something, it will be very troublesome. Maybe his next job will go to Minnesota, and then he will have to pay property tax in California. It's sour.
Besides, he is single (I haven't paid attention to it in recent seasons). It is very troublesome to buy a house and live alone. Buying an apartment is not cost-effective. The property fee of the apartment is very expensive. It is better to rent a house.
It is more appropriate for him to buy a house and rent it to L S P. Xiaohua 4P for cash transaction.