關(guān)于是租房好還是買房好,如今的爭(zhēng)論很多.
　　擁有自住物業(yè)并不是這輩子一定要做的事,租房子居住也是正常的狀態(tài).買不買房,也完全是私人的事,一切取決于個(gè)人對(duì)形勢(shì)的判斷,取決于個(gè)人傾向的機(jī)會(huì)成本.有人認(rèn)為房?jī)r(jià)已經(jīng)到了高點(diǎn)可以出手了,有人認(rèn)為將房產(chǎn)變現(xiàn)投資股市將獲利更多,這都由個(gè)人性格判斷決定.
　　人一生到底會(huì)買幾次房?中國(guó)商品房市場(chǎng)發(fā)展的時(shí)間太短,暫時(shí)不能有準(zhǔn)確的結(jié)論.不過(guò),從美國(guó)最大的普爾特房地產(chǎn)公司細(xì)分的11種客戶中會(huì)得到一些啟示.
　　普爾特的客戶細(xì)分如下:首次置業(yè)、常年工作流動(dòng)人士、單人工作丁克家庭、雙人工作丁克家庭、有嬰兒的夫婦、單親家庭、成熟家庭、富足成熟家庭、空巢家庭、大齡單身貴族、活躍長(zhǎng)者.因此看出,一個(gè)人的一生中,對(duì)于住宅的需求,至少會(huì)經(jīng)歷其中的四五個(gè)細(xì)分階段.可以這么說(shuō),買房置業(yè)是一個(gè)都市人一生中需多次進(jìn)行的一項(xiàng)重大消費(fèi)活動(dòng),區(qū)別只在于,有人是精心計(jì)劃后投資,而有人只是糊里糊涂地入市.
　　做到自己能夠分期付款負(fù)擔(dān)的住宅者,不能被稱為房奴,與之相比,長(zhǎng)期租房才更像是房奴.因?yàn)?租房的人,是為房東打工,永遠(yuǎn)沒(méi)有從奴轉(zhuǎn)變?yōu)橹鞯臋C(jī)會(huì).其實(shí)大多數(shù)時(shí)候,買一個(gè)適合自己財(cái)務(wù)狀況的物業(yè),除了收復(fù),每個(gè)月的還款和個(gè)人自己的租房租金,是相差不多的……
　　About is rent good or buy a house good, today's debate a lot.
　　Have to live oneself property is not in this life must do, rent housing is a normal state. Buy not to buy a house, also is completely private matter, everything depends on individual of judgement of the situation, depends on the individual tendency of opportunity cost. Somebody thinks that house prices have already arrived peak can shot somebody thinks will housing realizable investing in the stock market will earn more, this all by individual character judgement decision.
　　A person's life will end up buying a few times room? China commodity market development time too short, unable to have accurate conclusions. However, from America's largest real estate company subdivision of pulte 11 kinds of customers will get some enlightenments.
　　Pulte customer segmentation is as follows: the first home ownership, perennial work flow personage, single work dink family, double work dink family, have baby couples, single-parent families, mature family, rich mature family, empty nester family, older lone noble, active elders. So that a person's life, the demand for residential, will experience at least one of the four or five subdivision stage. We can say so, buy a house property is a must for many times in life urbanite is a major consumption activities, the difference is only, someone is careful planning investment, and someone just loft-bed land market.
　　Do oneself can instalment burden of residential person, cannot be called a mortgage slave, by contrast, long-term renting ability is more like a mortgage slave. Because, rent, is for the landlord jobs, and never change from slavery mainly of opportunity. Actually most time, buy a suit oneself financial status of the property, in addition to recover, every month of the reimbursement and personal own rent rent, is similar in...