Can you handle the monthly expense? While a monthly mortgage payment may be comparable in some cases to a monthly rent, there are other expenses to consider.
每月所需费用你可以承担吗?虽然有些情况下,月供跟你每月租房的费用差不多,不过买了房子之后,除了月供之外,还会产生其他一些费用。
To get a feel for the financial burden you'll be taking on -- and to see if you can handle it -- 'practice' making payments. Each month, set aside projected mortgage and property-tax payments, maintenance costs, utilities and any other home-related expenses into a separate savings account, says Gary Smola, a certified financial planner with financial-educational firm Financial Finesse.
要切身体会买房后的经济负担──也是为了看看你能否承担得起──“演练”一下每月还款吧。理财教育公司Financial Finesse的注册理财规划师加里·斯莫拉(Gary Smola)说,可以每个月把预期的月供、房产税、维修费用、公共事业费及其他与房子相关的费用单独存入一个账户。
What's the price-to-rent ratio? Home prices have come down significantly in some areas of the country, but 'nobody knows what tomorrow's going to bring in the housing market,' says Daniel Morris, a certified public accountant in San Jose, Calif.
房屋租售比如何?加利福尼亚圣何塞的注册公共会计师丹尼尔·莫里斯(Daniel Morris)说,在美国有些地区,房产的价格跌得非常厉害,不过“谁也不知道房产市场下一步走势如何。”
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