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Counting rent and buy compare economic accounts
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Abstract: As the first-tier cities real estate prices bubble higher, to curb excessive price increases, the state introduced the New Deal in 2010 the real estate industry and real estate prices were regulated. But because the house is the anti-inflation and the drop products mainly for Beijing, Shanghai and other cities of the dynamic line up three per level, more than forty thousand in terms of price, Shenyang is clearly not among them.

Song Yanqiu River Bank of China Shenyang Branch Banking Manager, Financial Planner CFP

As first-tier cities real estate prices bubble higher, to curb excessive price increases, the state introduced the New Deal in 2010 the real estate industry and real estate prices were regulated. But because the house is the anti-inflation and the drop products mainly for Beijing, Shanghai and other cities of the dynamic line up three per level, more than forty thousand in terms of price, Shenyang is clearly not among them.

First, buy a house

1, the advantage: the average price this year, Shenyang, real estate is about 4900 yuan, the absolute value lower than the growth rate although the home prices down, but housing prices compared with last year increased by about 6%. Despite the recent housing policy based on the current feeling will drop, but in the long run, or will go up, and the current low interest rates, such as buying a home, there are 7.5 discount loans to loan 20 million, 20-year period , enjoy the discount rate of 7.5 cases, the monthly repayment of about 1,260 yuan. Proposed in the price range of the normal carrying capacity, less than 30 million of loans, and more than a month after tax income can be over 3,000 buyers.

2, the disadvantages: the purchase of the down payment for the month of funds and the future will give buyers a great deal of life stress and economic burden.

Second, the rent

The international community often use the "rental ratio" (ratio = single set price monthly rental / price) to examine the operational status of a regional real estate. As housing prices in some cities on residential rental return rate is only 1%, according to statistics related organizations, rental houses in parts of Beijing have reached a 1:600 ratio, which means, rent a house to live near 50 years to recover the costs. The Shenyang rental prices generally the case with loans to purchase the amount of the monthly repayment will not be much difference (about 2,000 yuan per month).

1, the advantage: rent to ensure the quality of life. If you choose to rent housing, then the rent can not be too worry about the impact of housing price, as long as traffic conditions and living environment is relatively good, the rent can afford within the scope of the basic conditions are met, we can consider renting. Under the rent savings to benefit other areas of capital investment and short, the risk is relatively small, while improving the quality of life of families, to avoid excessive burden on a real house slaves. Rental housing is a concept change, the current majority are young people.

2 Disadvantages: may be lost in housing prices in the future earnings, after all, is a real estate investment.