買房好,還是不買好? - 海外工作

By Jacky
at 2015-06-01T13:05
at 2015-06-01T13:05
Table of Contents
小的問題可能非常初級,
請各位大大鞭小力點 Orz
我們夫妻目前在曼哈頓上班,結婚第三年
前兩年因為各讀了碩士,學費燒很大,收入也少
今年開始收入才比較穩定,合併薪資大約150K/年
會想買房的原因是房租每年都會漲
預期中到2016年可能會破3K一個月
我們沒有要小孩,只有我們兩個要住
想要找的是有設備健全的新蓋大樓(接近我們現在的居住環境)
在沒有長輩幫助的前提下,我們能負擔的頭期約100-150K
以Down payment 20%為基準,考慮以下三個選項
1) 1 BD 599K Condo (預算不夠先買1bd,等幾年賣掉再升級)
2) 2 BD 701K Co-op (直接衝了,但是每月負擔會很辛苦)
3) 1 BD Rental $3000/mo (繼續住到有錢買condo....)
不知道這樣是不是講得很籠統
請問各位,會建議我們買房還是租房好呢?
謝謝
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