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13931. | ベッド購入に関して教えてください!(2kview/4res) | Problem / Need advice | 2006/12/21 05:17 |
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13932. | タバコを安く買える場所(1kview/6res) | Problem / Need advice | 2006/12/21 05:17 |
13933. | 家を購入にあたり(26kview/361res) | Problem / Need advice | 2006/12/20 04:34 |
13934. | クリスマスカードはどこで買えばいいでしょうか?(1kview/8res) | Problem / Need advice | 2006/12/20 02:48 |
13935. | 250GB外付けHDDが使えない(838view/9res) | Free talk | 2006/12/19 18:02 |
13936. | 陶芸。(555view/0res) | Free talk | 2006/12/19 18:02 |
13937. | Pi-Water(647view/0res) | Free talk | 2006/12/19 18:02 |
13938. | Monarch , Milkweed 探してます(305view/0res) | Problem / Need advice | 2006/12/19 18:02 |
13939. | TOEIC 日本とアメリカの差?(836view/6res) | Problem / Need advice | 2006/12/19 18:02 |
13940. | 米国の地上デジタル放送(510view/0res) | Free talk | 2006/12/19 15:25 |
家を購入にあたり
- #1
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- Housing2006
- 2006/02/03 06:10
アパートの家賃の値上がりが続き、ついに$1400に達してしまいました。家を買ったら〜とよく言われるのですが、どこから始めて良いのかという具体的な案がなく、1件目の人間はどんな風に計画すべきなのでしょう?今のリースは5月末に切れるのでその時がチャンスと思っているのですが・・・
- #142
-
家はほしいけど、まだしばらくはむりかな。
皆さんどのくらい、月に支払ってらっしゃるんですか?
たとえば、#137の現実さんは、払える範囲の利息オンリーと書かれていますが、何年ローンで月の支払いはおいくらくらいなんでしょうか?家の値段にもよるんでしょうが。参考にしたいんで、おしえてください。
- #141
-
ファーストタイムバイヤーの方々へ
去年1月に比べフォークロージャーの物件が45%も増えたそうです。
加えて、オレンジカウンティーでは家の平均価格が既に下がり始めていて、2004年2月並になったそうです。
もう少し待てば更に下がるはずです。
今まで待った甲斐がありましたね!
http://www.recordonline.com/archive/2006/03/09/news-mlrealfeb-03-09.html
- #144
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- SM男
- 2006/03/10 (Fri) 10:54
- Report
property taxは大きいですよ。
- #145
-
- Silk5
- 2006/03/10 (Fri) 12:10
- Report
Interest Onlyのローンがが危険というよりは、変動性金利に問題がある、と指摘されている以下の記事を読んだのですが、
http://moneycentral.msn.com/content/Banking/Homefinancing/P118084.asp
この記事の下の方のInvest the cash flowというところで、
their return on investment must exceed the after-tax mortgage rate, since that rate is what they earn when they repay their mortgage.
とありますが、after-tax mortgage rateというのは実際のところどのくらいになるのでしょうか?
#140が言われているように、浮いたお金でMutualFund等に投資するとしても、どの程度のリターンがあれば、その方が有利だったと言えるのかが知りたいのですが。
どなたか教えていただけませんでしょうか?
- #148
-
- wow
- 2006/03/10 (Fri) 17:54
- Report
#145 Silk5さん
そういう面白い事は、自分で計算してみてはどうでしょうか^^?
ちょうど税金のシーズンです。 その辺で税金の用紙をもらってきて、ローンを支払った場合に、どのくらい税金のリターンが増えるか計算してみてはどうですか? 支払ったローン合計からそのリターンの増加分を引いたのが、税金後のローン支払額となるのでは??? (税金控除は金利分のみでしたね?)、
あと、投資から得られるリターンですが、5%の金利であれば、10万ドルの投資で、年間5000ドル(月400ドルちょっと)のリターンですね。 どのくらいのリターンがいいのかというのは、投資金額と月々のローン支払額との関係で、人によって違うのでしょうね^^。
投資を再投資して、複利的に増やすなら、投資がいつローンの残高を超えるかってことが、目安になるのでしょうね? ただ、変動金利ローンを越える、元金・金利保証の投資ってないと思うのですが。
ちなみに、金利5%というのは、最近の国債とかCDの一年ものが4%台なので、少しよすぎかもです。 ミューチャルファンドなら10%いけると言う人がいるかもですが、これらは元金・金利を保証してないので、最悪の場合、マイナスになることもありますね。
是非とも検討結果を報告していただきたいです^^。
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