新技术论坛
搜索
查看: 372|回复: 3

美国的数据、英国的研究只为告诉你:贷款买房更好更划算?

[复制链接]
  • TA的每日心情
    开心
    2016-3-14 12:55
  • 签到天数: 6 天

    连续签到: 1 天

    [LV.2]偶尔看看I

    扫一扫,手机访问本帖
    发表于 2017-4-29 06:04:29 来自手机 | 显示全部楼层 |阅读模式
    据美国抵押协会年度报告,2016年美国抵押贷款利润上涨,每笔贷款的平均利润为1346美元,高于2015年每笔贷款1189美元。
    数据显示,美国30年期固定利率抵押贷款平均利率从4.28%下降至4.22%,抵押贷款利率下降。


    图:数据显示,美国3月新屋销售急升至八个月高位

    那么,在此利率下,购房者一次性全额付款,还是抵押贷款,哪种方式更好呢?
    英国经济学家罗伯托马斯做了一份研究,对英国过去十几年主要资产投资收益做了研究,发现低利率下,股票投资跑赢通胀,抵押贷款的投资收益最高。
    首先,低利率让借款成本更低,其次,抵押贷款可获得投资收益,这种资本收益可以用来再次抵押贷款,释放股权融资再次购房。再次,抵押贷款购房,可以通过出租房屋获得资金收入。
    经济学知识告诉我们,全额购房是一次性全额购房,流程简单,获得折扣,但并不是所有购房者能够全额支付。贷款买房手续复杂,但资金更灵活,风险更小一些。虽然一次性全额购房,没有贷款抵押,以后出售更容易,套现更快,退出容易。但占用资金,相比较按揭贷款买房来说,贷款虽然流程复杂,但资金更加灵活。


    从中国市场的实际情况分析,购房者有多种方式可以选择,按揭贷款、一次全额付款,公积金贷款,分几批付款、提取公积金等多种方式购房。
    目前,武汉、成都、长沙、合肥、南昌五座城市在校大学生可以自愿缴存公积金,在购房时用公积金贷款,利率要实惠很多。一般来说,若是在国企或学校职工,用公积金按揭贷款,或者分批提取公积金几次现金支付也是可以。公积金一般缴存半年就可以使用,在利率上要比商业贷款利率低,大学毕业生还可提取父母公积金购买经济房。
    美国经济学家研究认为,购房者使用按揭贷款方式更划算。不要着急还清贷款债务,理由有:
    第一,抵押贷款利息有折扣,意味着这是一种减税方式。
    第二,按揭贷款方式可以提高资金流动性,提前还清贷款不会有利息收入。不着急偿还债务,可多样化股票和债券投资,有更多选择。
    第三,持有按揭贷款可对冲通货膨胀。
    相比较,按揭贷款购房比全额一次付清更好,但持有按揭贷款需适度。
    匿名  发表于 2017-9-16 12:18:27
    My spouse and i ended up being absolutely excited that Ervin managed to conclude his investigations by way of the precious recommendations he made through your site. It is now and again perplexing just to continually be freely giving methods which people could have been trying to sell. So we already know we have got the blog owner to be grateful to for that. All the explanations you've made, the straightforward blog menu, the friendships you will help promote - it's everything powerful, and it is aiding our son in addition to our family do think that theme is exciting, and that's unbelievably pressing. Many thanks for all the pieces!
    匿名  发表于 2017-9-21 06:37:45
    I needed to send you one little observation to finally say thank you once again about the exceptional basics you've discussed at this time. It's simply unbelievably generous of you in giving extensively exactly what a number of us could possibly have supplied as an ebook to end up making some cash on their own, especially given that you could have tried it if you wanted. The techniques likewise served to become a great way to understand that some people have similar passion really like mine to find out great deal more related to this matter. I am sure there are some more pleasant moments up front for those who looked over your blog.
    匿名  发表于 2017-9-23 17:45:32
    Thanks for all of the labor on this web site. Debby takes pleasure in engaging in internet research and it's simple to grasp why. Most of us hear all regarding the compelling means you create important thoughts by means of your blog and in addition inspire response from visitors on that area of interest then our own princess is truly discovering a great deal. Take advantage of the remaining portion of the year. You are always carrying out a remarkable job.
    高级模式
    B Color Image Link Quote Code Smilies

    本版积分规则

    手机版|Archiver|新技术论坛由 中国讯网 版权所有 ( ICP/ISP证:辽B-2-4-20110106号 IDC证:辽B-1-2-20070003号 )

    GMT+8, 2018-1-20 03:14 , Processed in 0.310801 second(s), 19 queries .

    X+ Open Developer Network (xodn.com)

    © 2009-2017 沈阳讯网网络科技有限公司

    快速回复 返回顶部 返回列表