ChiBitCTy (OP)
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May 15, 2024, 06:45:13 PM |
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This topic has come up quite a few times over the years on this board. A lot of the discussion around it has mostly been others opinions. I found this neat little graph online (instagram) from the New York Times that compares the two. Now keep in mind one's location will certainly have an effect on which one might make more sense, even in what part of you own country you're in. ![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.ibb.co%2Fq7Ltjx3%2FIMG-4098.jpg&t=665&c=_KK_ozAhIDJD2A) ![](https://ip.bitcointalk.org/?u=https%3A%2F%2Fi.ibb.co%2FckMPpQh%2FIMG-4099.jpg&t=665&c=_iXYQrVBVYT39w)
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electronicash
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May 15, 2024, 07:08:35 PM |
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it really matters when you plan of how long you are going to stay in a certain place. if you have a kid and you give importance to his childhood friends and that he could have a life long friends, i guess buying would be better for he can have a place to call a home town.
if you are just in the place where you are called because you have a job. i think its best to just let your kids visit from time to time and just rent a place when you know you won't be staying for a long time.
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bitzizzix
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May 15, 2024, 07:44:46 PM |
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It all depends on a person's finances, and I'm sure everyone if they have enough money will definitely choose to buy a house. Because they have their own house, they will feel safe and comfortable without thinking about having to pay every month if they rent and this problem will become a burden for them when their finances are unstable or when they have no money. And what you need to know, almost everyone who rents a house has high hopes of owning their own home, but they just don't have the ability. Apart from that, they also think about what if they don't have the ability to earn money or are no longer productive if they still rent a house. However, if we talk about whether it is more profitable to rent or buy a house, it is indeed more profitable to rent, but that doesn't mean you don't have a house for the rest of your life. And if you don't have the means to buy a house and if you have a stable income that is more than double the price of renting a house, you can use some of your money to invest. And with this in the long run you can own a home if you do it consistently and put your money in the right investments. And this is in my opinion and whatever the reason, owning a house is much better and more comfortable than renting.
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Mahanton
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May 15, 2024, 07:51:53 PM |
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This topic has come up quite a few times over the years on this board. A lot of the discussion around it has mostly been others opinions. I found this neat little graph online (instagram) from the New York Times that compares the two. Now keep in mind one's location will certainly have an effect on which one might make more sense, even in what part of you own country you're in.
If we are really that trying out to make those calculations then we can really tell that renting will really be saving you up more bucks rather than on building your own home which if we do speak about being wise or practical then we would really be heading into this option but we do know that there's a feeling or security and having that feeling of contentment on the time that you do be able to buy your own house or something that you are mortgaging into. Yes, it would be a long term payment but you do know at least that you do own the house. You wont really be needing up to find or look for another place which is really that happening when you are renting a house which it is one of the cons of it but of course it will really be just that depending on the financial capacity of a certain individual in the end of the day. Yet, there are still those who do able to afford on buying up a house but still ending up on renting out on which we do have those personal reasons but in overall i would really be liking on having my own house on which you can confidently say that you do really own it.
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Bulltard
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May 15, 2024, 07:53:14 PM |
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This topic has come up quite a few times over the years on this board. A lot of the discussion around it has mostly been others opinions. I found this neat little graph online (instagram) from the New York Times that compares the two. Now keep in mind one's location will certainly have an effect on which one might make more sense, even in what part of you own country you're in. https://i.ibb.co/q7Ltjx3/IMG-4098.jpghttps://i.ibb.co/ckMPpQh/IMG-4099.jpgerr... where's the link? the one mentioned in your pic. because that "neat little graph" of yours is useless without context. why post such a thread if you can't provide the actual data?
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Cookdata
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May 15, 2024, 07:58:39 PM |
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This topic has come up quite a few times over the years on this board. A lot of the discussion around it has mostly been others opinions. I found this neat little graph online (instagram) from the New York Times that compares the two. Now keep in mind one's location will certainly have an effect on which one might make more sense, even in what part of you own country you're in.
You have said it all. Location is all that matters. Buying a house in New Jersey, the price will be different from Georgia and will be different from buying a house in Alabama, the cost of living and development affect the cost of purchasing a house also the renting. Your activity also will determine if you will need a house or rent a house. If you are living in an environment for work and no family involved, you might want to buy because there is no use in buying a full house when you will not be needing all of them, an apartment is what you need and not necessary full house, this will save you some money. The amount you earn also determines if you can afford to buy one or rent one. You can get employed in a city where your annual salary might not be able to cover half of what you earn, you will have to settle for rent apparently.
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Rruchi man
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May 15, 2024, 08:07:27 PM |
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Buying a home is the better action for the future because, even though renting a place seems cheaper, you are never assured that the rentage rates will remain the same over the years. The amount can actually increase from the original amount that you know to an amount that you may not be able to predict.
The benefits of buying a home are too numerous to count. If you are staying long, you spend money once and never have to worry about keeping up with your rent; the money you spend will just be for maintenance or to add some more facilities to your home to make it more comfortable.
If you also do not have plans to stay long on the property, there is also the possibility of earning money by renting it out to other people for a certain amount of time. When you buy a home, you are also the owner of the land, and you can decide to pull down the structure.
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Churchillvv
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May 15, 2024, 08:15:25 PM |
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I'm certain that this thread does not call for our opinions to count but at least we have to contribute a little with our knowledge. Perhaps our opinions will be so much biased based on individual experiences and geographical location which @Op already mentioned.
From my own biased perspective, buying a house is only reasonable if your idea is long term based or even permanency but if it's a temporary location then it's ideal to only rent a home. Although in Africa we call a home permanent home if only it's your locals or your "village" that it's when you can certainly have your own home so you would minimise the cost of renting a home in your home town. But some times people buy houses in towns / cities to certify their guts or to answer a house own, while some acquire them for investment purposes as even if they have left that location for another if rented out too it could fetch them some kind of extra funds while away.
The important point there is buying a house is for the permanent, while renting is for the temporary.
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Obulis
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May 15, 2024, 08:37:02 PM |
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Financial muscles, location or locality etc are determining factors on whether to buy or continue to rent. However, psychologically one would love it that that beautiful apartment rented is their own making ownership better off coupled with the confidence it'll bring..
You can be in a place that your pay can't afford a building with at least little comfort, but can afford in other places, it becomes a matter of choice and future targets that one has.
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jrrsparkles
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May 15, 2024, 09:36:00 PM |
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I would like to start with some questions to find the appropriate answer for this question.
Why do you buy a house, just for the sake of living, thinking it as asset then renting is far better cause it give you flexibility when you want to move from one to another but we can't really take the rent will be growing at this same rate, it can go on higher than expected that we never take into an account.
But if you buy a house, simply because you can then just buy it.
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milewilda
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May 15, 2024, 09:57:40 PM |
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Buying a home is the better action for the future because, even though renting a place seems cheaper, you are never assured that the rentage rates will remain the same over the years. The amount can actually increase from the original amount that you know to an amount that you may not be able to predict.
The benefits of buying a home are too numerous to count. If you are staying long, you spend money once and never have to worry about keeping up with your rent; the money you spend will just be for maintenance or to add some more facilities to your home to make it more comfortable.
If you also do not have plans to stay long on the property, there is also the possibility of earning money by renting it out to other people for a certain amount of time. When you buy a home, you are also the owner of the land, and you can decide to pull down the structure.
Yes, those annual increase will surely be put up with those landlords or those owners on which they would really be definitely doing such thing on which we know that inflation is on the works, so expect something like this. Just like the rest been saying that the beauty that you do have your own house is that you do have that kind of confidence that you wont reaslly be kicked out, also it would really be that being that too comfy on sleeping into something that you do know that you do own it and there's no one that would be having the rights on what you should be doing. For me, it would prefer on having my own house and i do rather choose on having that 1 time purchase or payment rather than on paying up on monthly. Yes, it might be something more expensive but it is really just that in one go rather than on having that lifetime renting on which you dont even know on how long that property would be lasting or wont be sold totally or some other possible things that could happen.
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Mate2237
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May 15, 2024, 10:07:36 PM |
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If you have the money buy the house and stop renting. Remember even though you are renting a house you have to do some maintenance work in the house to you taste and not everything you will like to involve your landlord to come and do it for you buy a house, you can design your house the way you want. There are some kind of things you won't do in the rented place but you can do it in your own house.
It is not even advisable for a grown up person to rent a house when he has the money. There is nothing like personal home.
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o48o
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May 15, 2024, 10:47:03 PM |
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I have grown in a home where my parents believed that it's better to own a home (for some reason). That it's just something adults do. But when i grew older i started to see the costs for that. Constant maintainance and renovation. And people tend to think it's a good investment, but that investment doesn't have much liquidity if something happens to the neighbourhood or you happen to get mold or something like that. If markets aren't favourable for selling or renting houses in that area, you are pretty much stuck with it. Like holding an NFT in illiquid market, except it costs way more to take care about house then a private key.
Compared to that, renting is just flexible and carefree.
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Ben Barubal
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May 15, 2024, 11:20:24 PM |
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Currently, I have been renting a house for 8 years now, and now, while I'm in the crypto space, I'm doing trading that somehow gets me earnings, and I'm also looking for other sources of income that can supplement me via the internet on different social media sites such as Facebook, YouTube, and more.
Because in truth, I am not yet capable of buying a house right away because I don't have any cash, so my option at the moment is a housing loan, payable in 25 years, and now I have only had a down payment for 3 years, and I haven't moved yet because I still need to renovate it a little before moving in, and this is what I'm saving up for so far. While I'm in the rental house, my target is to be able to move in before the end of this year to save on cost. Because I'm tired of renting.
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tabas
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May 15, 2024, 11:36:12 PM |
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If you plan to settle on an specific area then it's best to buy a home there and have it mortgaged depending on your income too. But if your job is a typical field and you roam everywhere you're deployed, obviously it is best to rent. There are cons and pros for each of it. One cons for renting is that you won't be having the property even if you stay there for the long run. Compared to buying a home, someday it will be yours once the mortgage is paid. But one pros of renting is you can move freely everywhere you want to go and you are not subject to the repairs, taxes and maintenances but it depends to the setup but at most times, it is shouldered by the landlord. With buying, the appreciation of the land is on going and if you want to liquidate it, that's your investment that has increased in value and you can also give it as an inheritance to your kids.
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STT
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May 15, 2024, 11:57:48 PM Last edit: May 16, 2024, 12:54:19 AM by STT |
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Rent unless the house prices are going up especially or you have cash to hold in property that would be usefully deployed that way. Some people will always buy the housing then themselves become the landlord and let it to others. If you have the skill to do up old housing with some good trades skills of either your own or just good friends who are tradesmen perhaps or make the most of property in a variety of ways beyond just owner occupation then you can make something of a business of it all and the question changes substantially.
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tsaroz
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May 16, 2024, 12:03:34 AM |
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There's an upcoming real estate crash worldwide. We've seen it happen in China and it would follow everywhere. The price of real estate are artificially inflated. Most people can't afford to buy a land and home with their life savings. There are agents and people who have multiple real estate as investment while there are not enough wealthy people to buy at their rates. The population decline has started in the developed world. People would now require less homes and less land. 4 grandparents have now just 1 grand child. There are two extra homes that could soon be empty. It would be wiser to wait now and stay in rent. I and my wife too are saving for a house and we are waiting till it crashes and we get a house at 50% in cash savings. That would happen in next 5 to 10 years.
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Yogee
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May 16, 2024, 12:42:28 AM |
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There's an upcoming real estate crash worldwide. We've seen it happen in China and it would follow everywhere. The price of real estate are artificially inflated. Most people can't afford to buy a land and home with their life savings. There are agents and people who have multiple real estate as investment while there are not enough wealthy people to buy at their rates. The population decline has started in the developed world. People would now require less homes and less land. 4 grandparents have now just 1 grand child. There are two extra homes that could soon be empty. It would be wiser to wait now and stay in rent. I and my wife too are saving for a house and we are waiting till it crashes and we get a house at 50% in cash savings. That would happen in next 5 to 10 years.
The fear on real estate crash are sometimes manufactured as well so the optimist in me says this is a good time to buy and put it up for rent. You'll get it cheap and live rent free while someone else is helping you payout the housing loan or other expenses. You can get a two-story and live on one floor while renting out the other. If you find that too costly then you have the option for a two or three bedroom.
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AVE5
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May 16, 2024, 02:05:13 AM |
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The need to cut cost of our expenses is because we don't have enough fund to our savings. Actually buying is the better than renting because you can use it as many times you wanted without that reminder that times running out to return it and every single hesitation of return has tendencies of paying more which Could never had been on budget and besides you could need it multiple times which is over and over. The stress of picking and returning would be much. Let's also consider possibilities of damage which you'd be expected to replace it. Although buying would be much expensive so like I said, you can go for buying if you can afford it and also consider your income if it can handle the purchase. Renting can actually save you chances to manage your income and make certain savings While you're renting since the funds are not going in bulk. So by algorithms it'd be economical for an average earner although you'd spend more than who buys.
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bluebit25
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May 16, 2024, 02:53:49 AM |
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I'm not sure, but it probably depends on the policy where you live and your needs to decide. As I know in some countries real estate is very difficult to access, and a job designed as a desirable home will also use up most of the main financial budget even at an average income level. But the problem will easily happen if you are really rich enough to have many choices, after all we always assume that everything we own will be ours forever ![Smiley](https://bitcointalk.org/Smileys/default/smiley.gif) But it has to be like that wrong that the seller wants to limit the mode of telling everyone. Renting a house is also a unit that I think would be suitable, but the paperwork surrounding settlement will also have some things that we have to measure. Anyway, it is everyone's need, so depending on your financial ability, you must decide accordingly.
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