Mr. Han needs a down payment of 540 thousand to buy a house. If he applies for a commercial loan, he needs to borrow 6.5438+0.26 million yuan.
Taking the repayment period of 15 as an example, according to the current lowest commercial loan interest rate of 4. 165%, Mr. Han has to pay back the house payment of 9425 yuan every month, and the total interest of 15 is 436500 yuan, and the final repayment amount is about 1696500 yuan.
According to the above expenses, the total cost for Mr. Han to buy this house is: down payment of 540,000+15× monthly payment of 9,425 yuan × 12 months = 2,236,500 yuan. In other words, Mr. Han has to invest 2,236,500 yuan in 65438+2005 to own a house, excluding agency fees and some taxes.
Rent a house 15 compared to buy a house.
Spend less 1, 794,38+0.4 million yuan.
For the convenience of calculation, on the premise that the monthly rent of the house to be purchased by Mr. Han is 3,500 yuan, the lease term is 15 years and the rent remains unchanged, the above-mentioned monthly payment of 9,425 yuan is deducted from the existing monthly rent of 3,500 yuan, leaving 5,925 yuan.
If the remaining 5,925 yuan is deposited in the bank in the form of fixed deposit every month, the total deposit interest for 1 5 years will be about 23,000 yuan, based on the deposit interest rate 1.75% of1year. In addition, 540,000 yuan for down payment has also been in the bank for a long time. Similarly, according to 1 year fixed deposit rate 1.75%, the interest earned after 15 is about16190,000 yuan.
Based on the above data, the total rent paid by Mr. Han in 15 was 3,500 yuan × 12 months × 15 = 630,000 yuan, while the total interest earned by Mr. Han in15 was 23,000 yuan+16/kloc-. Compared with the housing expenditure of 2,236,500 yuan, Mr. Han saved 2,236,500 yuan-630,000 yuan+184,900 yuan = 179 1400 yuan in this five-year period.
Financial planner suggested
/kloc-After 0/5 years, the value will determine who has a high cost performance.
"By comparing the data of the above two groups of buying houses and renting houses, I believe that many people think that renting houses is more cost-effective, but it may not be." Miss Cui, a financial planner, said that it is cost-effective to rent a house or buy a house, depending on whether the value of this second-hand house 15 is high or the value of the funds saved by renting a house is high.
So, how can we finally know who can be called a "bully"? Miss Cui said: "According to the total price of 6.5438+0.8 million yuan, the unit price of a small two-bedroom second-hand house of 66 square meters in the urban area is equivalent to nearly 27,200 yuan/square meter. Suppose you buy a 66-square-meter house with a capital of 179 1400 yuan, which is equivalent to a unit price of 27 1000 yuan/square meter. "
"If the price of this house that Mr. Han wants to buy is less than 27,200 yuan/square meter after 15, then buying a house is not as cost-effective as renting a house; If it is higher than this price, buying a house is more cost-effective than renting a house. " Miss Cui said.
(The above answers were published on 20 16-07-2 1. Please refer to the actual situation for the current purchase policy. )
Click to view more comprehensive, timely and accurate new house information.