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13,788 Views ā¢ Jun 26, 2024 ā¢ Click to toggle off description
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Uploaded At Jun 26, 2024 ^^
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RYD date created : 2024-07-06T17:35:04.573538Z
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YouTube Comments - 67 Comments
Top Comments of this video!! :3
Appliances. Property taxes. Lawn care. Oh my! But other factors like appreciation, equity you can borrow from to invest, and the extra money when itās paid off.
20 |
So how can the landlord stay in business if not passing those phantom costs on with their profit margin.
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Indeed, the rent versus buy calculation has swung heavily in favor of renting as interest rates climbed. But the folks who got in when mortgages were sub-3 percent have generally done really well compared to those who have been renting, especially if theyāve stayed in their purchased homes for 5-10 years and bought in a big American city.
3 |
I can't argue this is totally true in North America but I live in Colombia, the inflation has been crazy lasts years so rent costs has increase 24% in 3 years while my mortgage is fixed cost. Ownership is definitely expensive but I'm in fact increasing my assets plus not all of us have the discipline to invest what we save by renting, I think that's the catch š
7 |
tax and insurance .....
18 |
Have you factored in rents going up 100% over as little as 3 years? Thatās happening in Australia. There are 100ās of people inspecting every rental. People with good jobs are living in cars and tents as they have nowhere else to go. If they instead bought a house and took on a mortgage 3 years ago guess what would have happened? The equity in their house would have doubled and they have a home to live/sleep in, canāt be turfed out onto the street. Over time your mortgage payments go down in real terms thanks to inflation, get easier to pay. Rents on the hand keep going up - thatās if you can even find a rental to live in. You say rent is the maximum you pay and a mortgage the minimum, when in reality itās the exact opposite of what you say. Your mortgage pays stay the same, rent goes up all the time.
1 |
I donāt know about this one chief, rent prizes constantly go up and at least if you buy a house, you own it eventually
8 |
Rent = 100% you are just paying as interest and never anything on principle. Also the interest always goes up.
Mortgage = maximum interest $ to minimum over the period. And you also pay towards the principle
1 |
Rent goes up and utilities. If u own u can sell. U will get tax money back. It's an investment. 10 years u might get double. Rent u will never get back
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Totally believe on this and I probably have the REVERSE problemā¦how to calculate at which point youāre loosing by renting?
1 |
Actually my rent was $2,400 per month and was about to go to $3,000+ at lease renewal
And the mortgage for a slightly bigger square footage house was $1,600 per month
I also ended up needing to move 3 months later and when the lines were drawn after improvements, taxes, capital gains, fees et cetera I made a $40,000+ profit
3 |
Guess I didnt convince you this morning. But when you bring up a mortgage, at least say its with 10% down or something like that.
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I pay around 1100 dollars a month just in property taxes on top of my mortgageš¤¦āā
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unless ur multi millionaire renting will leave u homeless in the long run. donāt listen to him
5 |
There is a lot to be said for the forced investment aspect of buying a home. Some people just have no discipline and live paycheck to paycheck despite having a good salary. Owning forces them to put their money into an appreciating asset. I know some people who are going to blow all their money by the end of the month no matter what. At least their net worth grows because of the house. š
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If we assume a 50% TCO (which is extremely variable depending on what you include in those costs), a 2k house costs 3k per month. That's just over 1M in 30 years (assuming you take your time). 300k of that is in non-mortgage costs.
If you rent for 2k for 30 years, you spent 700k+/-. Of course, that doesn't include annual increases that will eventually double (+) your rent.
You can sell your home at certain points and recoup your mortgage costs. At the end, your payment disappears and only maintenance remains.
There is a very strong argument for home ownership, provided that it is the lifestyle you want. If you'd rather rent, just be prepared to pay the cost, long term.
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Need to factor the savings when the house is paid off and you're living mortgage free. Factor that in and you'll come out ahead with buying
4 |
Idk what this guy is on about bought my house at 19 itās paid in full at age 28 itās infinitely more cheaper to buy a house I donāt even have bills anymore besides internet and car insurance
15 |
And no to your statement
If you were market to purchase a house back in 2012 with interest for 3%, you probably bought a house like we did. Our house is now 3 times more than what we paid. And we have less than 5 years for our mortgage. To pay off.
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@leely7777
2 months ago
Hated renting and having to move constantly because landlords needed the property back. Rent is going up every year too! Thereās stability in owning a home. Just know your numbers. Owning a home works for some.
44 |