michellee
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May 16, 2024, 01:34:32 PM |
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The first thing you have to pay attention to is whether you have enough money to buy a house. If not, you can rent a house until you have enough money. Don't force yourself to borrow money from the bank even though you are sure you can pay the debt every month.
The price of the house will depend on its location, so if you are ready and have the money, you can choose the house you want. Everything needs careful planning because we are talking about a lot of money. It also depends on your financial condition, especially since you still have many needs that must be met.
For now, renting a house is a good decision as long as we are still trying to save. Everything has positive and negative sides, so we have to be careful when deciding whether to buy or rent a house.
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Frankolala
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May 16, 2024, 02:59:05 PM |
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Buying a house is the best but not everyone can afford to buy a house, and this is where renting a house comes in play, because everyone needs a roof over their head. Whoever cannot afford to buy a house due to his financial status should rent and have plans of buying, but if as time passes by, and you still cannot afford to buy one for yourself there is no need for worries.
Those who bought houses have already conquered accommodation problem for their generation, because their children will inherit the house and might not need to think of renting. It is also way of investing because you can rent the house, or sell it if you don't have kids when you are old.
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leonair
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May 16, 2024, 03:05:08 PM |
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It depends on how much money you have and how much you earn. If you want to buy a house, you will need a lot of money. And if you want to rent a house, you have to pay the rent every month or at regular intervals as per the agreement. the money you are spending on house rent is wasted. But if you can buy a house, you will live there for free, this is a plus point for you, on the other hand, the value of your house will increase as time goes by. So in this case you are taking the advantence of living free as well as investing in a strong asset. So I would say if you have enough money you should buy a house instead of renting
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Gaza13
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May 16, 2024, 03:07:26 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.
There's no harm in choosing a mortgage because you're bored of renting a house. Have you read carefully the bank's payment system, usually many people are stuck (confused) or don't read in detail about the bank's fixed or floating rate payment system or scheme as if in the first or second year until the final payment such as renting a house. As far as I know, in the third year or so, it will usually be affected by the bank's floating interest rate. Usually every 3 years the floating rate will have different additions. Please correct me if I'm wrong. I agree with what you said above by looking for additional income, but not by trading on the crypto market, there are still many other ways to make money. If you are looking for income from trading, you should be careful in what you do, this will make your finances worse.
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rangga28
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May 16, 2024, 03:52:11 PM |
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It depends on how much money you have and how much you earn. If you want to buy a house, you will need a lot of money. And if you want to rent a house, you have to pay the rent every month or at regular intervals as per the agreement. the money you are spending on house rent is wasted. But if you can buy a house, you will live there for free, this is a plus point for you, on the other hand, the value of your house will increase as time goes by. So in this case you are taking the advantence of living free as well as investing in a strong asset. So I would say if you have enough money you should buy a house instead of renting
It is very certain that if we have enough money then buying a house is the right decision. I think if financial resources are sufficient then the logic is that you can not only have one house, you can even get more than that. Of course it is very strange if someone has money but he prefers to rent a house, in my opinion it is just a joke and very unreasonable. Except some people do speculation like that (renting a house) because they want to have a place close to their office or place of work.
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Beparanf
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May 16, 2024, 03:55:36 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.
The main answer here depends on the tax on the location compared to the rent cost. I'm not familiar with the taxation of your country but there’s some state in the US especially the popular city has a high tax rate for owning a house that’s why many preferred to just rent a house since you will save from tax and at the same time low maintenance cost since you can just change an apartment anytime you want. In my country, owning a house is much cheaper than renting since we don’t have high tax on real estate properties. You can already purchase a house if you will save all your rent.
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mamesso
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May 16, 2024, 04:16:15 PM |
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If you live in a place where you work, then you must consider how long you work there and how much you earn per month. If the duration is short term, renting a house is the best choice. But if you get a long-term contract with an above-average salary offer, buying a house will be much better for you. Don't push yourself too hard to get something beyond your capabilities, life is a choice, you can choose something that is profitable and won't be a burden in the long run.
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iv4n
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May 16, 2024, 04:21:01 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.
It doesn't matter where anyone is, I think it's a similar thing everywhere... it's the location that matters. The better the location, the higher the price per square meter both when renting or buying. In my opinion, it's better to buy a property, even with credit... after 20-30 years you will have your own house, and with renting after 30 paying for rent all that time you will still not have anything. I decided to buy a house 8 years ago... I'm still paying it off, but if I had been paying rent all these years I would have nothing of my own.
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Jatiluhung
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May 16, 2024, 05:21:44 PM |
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This topic has appeared several times here. But I always don't get bored of listening and participating in discussions in it. Because sometimes in discussions like this our insight can increase by reading and thinking about every answer submitted by other users. I even reflected a little on the part shared by the OP.
And actually, in this case, there are some people in an area who prefer to rent rather than buy. for various reasons, whether for work reasons or even because they want to avoid property taxes. But I'm sure for those who already have a family such as a wife and several children, they will tend to buy it as their main choice. But for business people who don't have a family, I think renting will be a much more viable option. Because there are many choices of house rentals with low rental costs. And the other money can be used to invest in other things in the business to develop again. But what is clear is that the choice is actually the best to choose. As long as it is adjusted to each condition. And each person has their own condition.
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Dailyscript
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May 16, 2024, 05:24:26 PM |
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If you cannot afford to buy a house then renting an apartment should be the first move. Meanwhile ill choose buying a house over and over again. It saves one more money because the value of rent increases exponentially, only house owners would be able to scale through such situations because instead of spending such big money on rent they would use the money for more better things. At first we may not have the money to buy a house which means renting the apartment is an option but let it be an apartment that we can afford the entire yearly rent in a month. A friend always say to me if your monthly income is not equal or greater than your house rent you are not qualified to stay in such house.
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Freeesta
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May 16, 2024, 05:49:00 PM |
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This issue must be resolved individually for each person. For some it is convenient to rent housing, but for other people it is convenient to build their own house. There is no single right solution. If you have a stable job, a family, and you like a certain area, then why not buy or build a house there? If you like to often change countries or cities to live in, then why should you build a house? This will create unnecessary problems. There is no universal answer to this question.
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el kaka22
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May 16, 2024, 06:01:31 PM |
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This always depends on the person. If you are a worker and earning a salary, spending a good portion of it to buy a house isn't a bad idea, you gain an asset, and you do not have to pay for rent without having anything. Rent goes to waste in that situation, buying a house means that you are going to pay the same amount, probably less or more but something similar, but in exchange of that you are going to end up with something.
At the same time, if you are a business owner, instead of getting a loan (or pay in cash) that much to a house, you could spend the same money to your business and in return you would be able to actually make some money that will change a lot of your future, will make you rich beyond your dreams, whereas a home won't make any changes for you.
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Rockstarguy
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May 16, 2024, 06:50:24 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.
Normally when one is financially buoyant buying a house is never a problem even if renting is cheap, one would just prefer to have a personal house own by his/her name. Buying a house takes the stress of paying for rent every year, but for one that is not financially buoyant to buy a house, but can struggle to raise money to buy house , their are some certain aspects that needs to be look into if the property can add value to them value financially. I know some people that are doing well in a good location and after buying house in a location that house are affordable everything changed . If renting can still keep one going in business, financially it is better to just rent to gain more financial strength. Taking a decision like this , it is something that needs to be looked critically not to later be a cause to financial set backs in life. For those who have the money to buy house in any location it is a good plan but for those that are trying to build good financial strength it is something that one needs to think about it properly.
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Bobrox
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May 16, 2024, 07:18:26 PM |
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Depend on your financial condition between how easily to manager buying or renting home, actually most people right now buying home with credit getting bigger loan interested almost 50% to 100% of basic price home. Its not worth if having not stable financial condition buying with not fully cash behind how many property companies giving us bigger loan interest have to pay around 15 years later based on in my country happening right now. I think although not worth with renting its not much problem and has moment for saving money to buy home with cash one day later, I think just taking around 3 to 5 years later for us saving much money and has chance to buy home with fully cash without pay much loan interest every years or month.
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darkangel11
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Don't let others control your BTC -> self custody
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May 16, 2024, 07:21:40 PM |
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These calculators that say you save up on rent don't take into account all the aspects of owning and renting. When you own a house it's yours, meaning that you can remodel, modify it, shape it as you like it, but when you rent it you have to maintain it and make it look the same as when you got it, which may be hard after 5 years of living in it. When you make it look better, improve it, you have to remember that this improvement will stay while you leave to live somewhere else. There's also a matter of being thrown out. The owner can always another plan for the house. He can divorce and be forced to sell and divide the property or give it away and you can't do anything about it. What about price appreciation of the property? When you own it you can sell it for more after 10 years, but when you rent it you will actually lose more money if the house gains value because the landlord will want more money for it. Renting is not that much better than buying.
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Asiska02
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May 16, 2024, 07:30:53 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.
I will rather get a home for that price than renting a house and save that amount for a period of ten years. My reasons are very simple and straightforward but others might have a contrary opinion to my reasons but this is based on where I live and the economy situation of my place overtime. If I can get a house for that price today, I will gladly buy a house than rent because in 10 years time that house will not worth that price again and I would have to pay x10 of what I would have bought now in that 10 years time. In that 10years time, that same house would have also worth x10 of what I’ve bought it or let’s just say x8 since it won’t be a new house at the time. It is very clear that I would benefit more than buying a house rather than renting a house to save money.
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Zlantann
Legendary
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May 16, 2024, 08:00:31 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.
The only reason why I prefer to buy a house is because my country doesn't have laws that favour tenants. Even in areas where these laws exist, they are hardly enforced. Landlords have so much power that they can even eject a tenant from his house without any court order. So I would prefer to own my own house to protect myself and my family. However, renting a house is cheaper for me in where I live currently. 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.
Owning your own house gives comfort and freedom but you have to consider the expenses of maintaining a house which include repairs and tax. I heard that some countries charge high property tax which can consume someone's earnings. So in that case renting a house will be the best option. But if one has the money to cover these expenses, the best option will be to buy or build a house. The cost of owning a house is also expensive and most people might never afford it even with their lifetime savings.
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Fortify
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May 16, 2024, 08:11:38 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.
This graph is really meaningless and does not reflect the actual reality of renting vs home ownership. Renting is definitely useful for certain people, especially those who are younger or need to be mobile when searching for work. Not being tied down to one geographic location is very useful and it is the only thing that certain groups can afford. Home ownership comes with it's own set of benefits and responsibilities however. You are ultimately paying off an asset each month and will end up with ownership of a very expensive asset at the end of it, you're not paying for someone elses house. There is also the inevitable debate about the ability to "make yourself at home" as many renters are restricted in what they can do, but sometimes benefit because the landlord may have to keep a certain level of upkeep for them.
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Hamphser
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May 16, 2024, 08:12:08 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.
I will rather get a home for that price than renting a house and save that amount for a period of ten years. My reasons are very simple and straightforward but others might have a contrary opinion to my reasons but this is based on where I live and the economy situation of my place overtime. If I can get a house for that price today, I will gladly buy a house than rent because in 10 years time that house will not worth that price again and I would have to pay x10 of what I would have bought now in that 10 years time. In that 10years time, that same house would have also worth x10 of what I’ve bought it or let’s just say x8 since it won’t be a new house at the time. It is very clear that I would benefit more than buying a house rather than renting a house to save money. Totally depends on where your home is located on, because there would really be those properties that doesnt really appreciate that much in terms of its value overtime but of course if its really that located on something on the city or nearby then you could really be able to assume out that its value will really be that having some appreciation and this is something which you would definitely be preferring into. Also, i do agree on most points that if i were really that making up some choice then having my own home is really that better, not really just that for the sake of talking about aprreciation of value or having that kind of savings then its really that totally different if you do live on a house on which you do know that you own it rather than on having that renting kind of condition but well it would be just a matter of preference in the end of the day.
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Juse14
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May 16, 2024, 08:58:20 PM |
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If you have enough money, it is better to buy a house than rent it, even if you intend to live in the city for only a few months or years. Because buying a house is the same as investing. Meanwhile, if you decide to rent, in my opinion it will only cost you every month, especially if you intend to stay for a long time.
However, when you decide to buy a house, buy a house that is strategically located, because this allows the land and buildings you buy to increase in price. So this is quite a profitable investment, and even if you have no intention of selling it again when you leave and move to another city, then you can rent out the house to other people, and this will provide a profit for you every month.
And even if you don't have enough money to buy a house, if you intend to stay for a long period of time, rather than renting it, it is better for you to take out a home loan with low installments. Because when you rent, regardless of how long you rent it, the house still belongs to someone else. Meanwhile, when you decide to take credit, within a certain period the land and building will become your property.
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