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在今日美國（USA Today）上看到一篇談?wù)撚嘘P(guān)房子的文章,，想到如今中國的房市,，特翻譯出來,，供大家參閱,。原創(chuàng)翻譯,，僅為中國進(jìn)出口網(wǎng)供稿使用,。
擁有一所屬于自己的住宅多年來一直是美國夢的一部分，但這并不意味著它適用于我們每個(gè)人,。假如說,，你每隔幾年就換個(gè)地方，那你完全可以把買房子的大筆錢用去租房子和其他消費(fèi)上,。進(jìn)出口網(wǎng)建議,，如果你處于以下四種情況，那么,，不妨好好考慮以下去租房,。
1. 沒有一個(gè)穩(wěn)定的工作
擁有良好的生活和有一個(gè)穩(wěn)定的工作是有很大差別的。試想,，假如你現(xiàn)在掙的錢剛好能夠?yàn)槟愕姆孔痈妒赘读?，但是你接下來一年的生活呢？五年呢,？十年呢?/p>
現(xiàn)在有很多美國人都屬于這一類,。有些人是工作收入暫時(shí)不錯(cuò)或者正處于一個(gè)不太穩(wěn)定的職位。而且,，還有數(shù)百萬人是自己創(chuàng)業(yè)或做生意,，這些人的收入都是一年一個(gè)樣，不穩(wěn)定,。
如果你不幸失去了工作,，或被迫接受更少的收入，如果你是一名租房者,，你可以更加容易地降低生活標(biāo)準(zhǔn)來維持生活,。或者,，頂多你現(xiàn)在要付一年的房租,，那么一年之后你就可以搬到更小或更便宜一點(diǎn)的房子去租住，而不必為賣房子而承受煩惱和壓力,。
“不穩(wěn)定”的工作也意味著你可能會頻繁換住處,。但是每隔幾年就會換地方的人也確實(shí)有好多買了房子，考慮到購買和出售房子時(shí)通常的額外話費(fèi),。
據(jù)中國進(jìn)出口網(wǎng)統(tǒng)計(jì),，在美國，一所住房的產(chǎn)權(quán)轉(zhuǎn)移費(fèi)通常是房子價(jià)格的3%左右,。所以賣掉一所價(jià)值20萬美元的房子需要6000美元的轉(zhuǎn)權(quán)費(fèi)和其他一些附加雜費(fèi),。假如你會在這個(gè)房子里住上10年，那或者這些錢就不算什么,，但假如你隔兩三年就要搬走賣掉它,，這些費(fèi)用可以與日俱增的，你可能會因此而花費(fèi)不少錢,。
2. 你在你的公寓中投入了很多
假如你在目前租住的公寓里傾注了很多,，它也能滿足你的需要，那為什么要破壞這一切呢,？很多公寓,，尤其是在城市中，都是受到穩(wěn)定控制的,。
很多大公寓在續(xù)租的時(shí)候都會好幾年保持原來的租金不變,，而對那些新租客，可能會提高租金,。筆者從大學(xué)畢業(yè)之后就一直住在一個(gè)公寓里,，四年過去了,，租金一直是最初的900美元一個(gè)月，而同樣的房子,，新租客現(xiàn)在租金已經(jīng)是1150美元了,。如果你處于同樣的境地，你會很難選擇離開的,。
3. 你在銀行沒有大筆存款
現(xiàn)在大家都知道,，你不必支付很大一筆的首付就可以買到一所房子，但是,，這并不意味著是好事,。
例如，參考時(shí)下最流行的低首付選項(xiàng),，F(xiàn)HA抵押貸款,，這使得買家可以在僅支付全款的5%的情況下購買住房。但這不僅使你的抵押貸款需要償還更多,，它還在你的賬單中為你增加了FHA抵押貸款保險(xiǎn),。
目前，F(xiàn)HA抵押貸款保險(xiǎn)要求預(yù)先支付貸款金額的1.75%加上每年保費(fèi)等于貸款余額1.35%的預(yù)付款,。因此,，在一個(gè)25萬美元的抵押貸款中，你的前期付款增加了4375美元以及每月還款增加280美元,。
如果你只要租房住幾年就行了,，那么去租一套不錯(cuò)的公寓會是一個(gè)更好的選擇，這樣也可以為你省下手頭的錢,，只到你有足夠的存款付首付,。為了避免抵押貸款險(xiǎn)，貸方會要20%的預(yù)付款,，許多貸方也需要一定量的銀行存款做保障,。
4. 你喜歡簡單的生活
筆者曾和很多選擇去租房住的房主談過，它們覺得沒有比租房生活再簡單純樸的了,。
當(dāng)你租房住的時(shí)候,，其他人（房東或財(cái)產(chǎn)經(jīng)紀(jì)人）通常會為你打理房子的維修和管理。例如,，你的便池壞了或水龍頭漏水了,，打個(gè)電話，維修人員就會趕來,，而且還花不了你幾個(gè)錢,。你可以避免因空調(diào)壞了還得花個(gè)幾千美元去買新的而苦惱，因?yàn)樽夥孔〉脑?，那不是你的?zé)任,。
而這一切的底線是,，買房子的好處也是非常多的，但不買也有很多好的方面,。你自己的美國夢取決于你特定的生活狀況,，你的喜好，以及你的財(cái)務(wù)狀況,。
4 reasons not to buy a home
Owning a home has been a part of the American dream for many years, but that doesn't mean it's right for everyone. For example, if you move around every few years, you can spend so much on closing costs and other fees that you would be better off renting. Here are four situations wher you are probably better off renting.
You don't have a steady job
There is a big difference between making a good living and having a steady job. Sure, you make enough to cover a mortgage payment now, but what about in a year from now? Five years?
There are a lot of American workers who fit into this category. Some people have jobs that are temporarily grant-funded or are otherwise non-permanent positions. And, there are the millions of people who are self-employed or own their own businesses, whose income varies from year to year.
If you happen to lose your job, or are forced to accept significantly less income, it's much easier to downgrade your lifestyle if you're a renter. At most, you'll probably be locked into a year of rent payments, and then are free to move to a smaller or less-expensive apartment without the hassle and stress of selling a house.
An "unsteady" job also refers to one that may require you to move around somewhat frequently. While a lot of people who move every few years do buy homes, consider the additional costs of buying and selling often.
Closing costs on a home generally run about 3% of the home's value. So, on a $200,000 home, expect $6,000 of fees and other upfront expenses. This isn't a huge expense if you stay in the home for 10 years, but if you move every two to three years, these expenses can add up tremendously over time, and eat up your profits when you sell.
You have a great deal on your apartment
If you have a good deal on your apartment, and it meets your needs, why mess up a good thing? Many apartments, especially in cities, are rent-controlled or rent-stabilized.
And, a lot of large apartment complexes will renew a lease at the same price for several years, while raising rent on new tenants. This is especially true in areas wher apartment complexes have trouble staying full. I lived in the same apartment for four years after college, and at the end I was still paying my original $900 per month in rent when the same apartment was going for $1,150 to new residents. If you have a deal like that, it's hard to justify leaving.
You don't have a lot of cash in the bank
Now, I realize it's not terribly hard to buy a home without a large down payment, but that doesn't mean it's a good idea.
For instance, consider the most popular low down payment loan option, the FHA mortgage, which allows buyers to purchase a home with 5% down. Not only does this make your mortgage payment more expensive, since your financing more of the purchase price, but it also adds FHA mortgage insurance to your tab.
Currently, FHA mortgage insurance requires an upfront payment of 1.75% of the loan amount plus an annual premium equal to 1.35% of the loan's balance. So, on a $250,000 mortgage, you can expect $4,375 added to your upfront costs and about $280 added to each of your monthly payments.
If you can deal with renting for a few years, it may be a better option to rent an apartment or home and save your money until you have a more substantial down payment. In order to avoid mortgage insurance, lenders want 20% down, and many require a certain amount of cash reserves in savings.
You like simplicity
I have spoken with many former homeowners who decided to rent again, and they simply cannot get over how much simpler life is when renting.
When you rent, someone else (the landlord or property manager) generally takes care of all the maintenance and repairs on the home. If your toilet breaks, or your faucets are leaky, it's usually no more of a hassle than calling the maintenance man, which won't cost you a dime. Instead of spending thousands of dollars when the air conditioner kicks the bucket, when you're renting it isn't your responsibility.
The bottom line is that there are lots of very good reasons to buy a house, but there are also a lot of good reasons not to as well. Your own American dream depends on your particular life situation, your preferences, and your finances.
