你应该买房还是租房?
<p><span word="Here">Here</span> <span word="are">are</span> <span word="some">some</span> <span word="questions">questions</span> <span word="to">to</span> <span word="consider">consider</span> <span word="when">when</span> <span word="deciding">deciding</span> <span word="if">if</span> <span word="buying">buying</span> <span word="or">or</span> <span word="renting">renting</span> <span word="is">is</span> <span word="the">the</span> <span word="right">right</span> <span word="choice">choice</span> <span word="for">for</span> <span word="you">you</span>:</p><p>在决定买房还是租房最适合你之前，或许可以先考虑以下这些问题：</p><p><span word="How">How</span> <span word="long">long</span> <span word="do">do</span> <span word="you">you</span> <span word="plan">plan</span> <span word="to">to</span> <span word="stay">stay</span> <span word="in">in</span> <span word="your">your</span> <span word="home">home</span>? "<span word="There">There</span> <span word="are">are</span> <span word="high">high</span> <span word="transaction">transaction</span> <span word="costs">costs</span> <span word="associated">associated</span> <span word="with">with</span> <span word="buying">buying</span> <span word="and">and</span> <span word="selling">selling</span> <span word="a">a</span> <span word="house">house</span>," <span word="says">says</span> <span word="Dean">Dean</span> <span word="Baker">Baker</span>, <span word="co">co</span>-<span word="director">director</span> <span word="at">at</span> <span word="the">the</span> <span word="Center">Center</span> <span word="for">for</span> <span word="Economic">Economic</span> <span word="and">and</span> <span word="Policy">Policy</span> <span word="Research">Research</span>, <span word="so">so</span> <span word="home">home</span> <span word="buyers">buyers</span> <span word="should">should</span> <span word="plan">plan</span> <span word="to">to</span> <span word="stay">stay</span> <span word="put">put</span> <span word="for">for</span> <span word="at">at</span> <span word="least">least</span> <span word="four">four</span> <span word="to">to</span> <span word="five">five</span> <span word="years">years</span>.</p><p>你打算在新买的房子里住多久？经济与政策研究中心(<span word="Center">Center</span> <span word="for">for</span> <span word="Economic">Economic</span> <span word="and">and</span> <span word="Policy">Policy</span> <span word="Research">Research</span>)联席主任迪安·贝克(<span word="Dean">Dean</span> <span word="Baker">Baker</span>)说，“买卖房产交易费用很高，”因此如果打算购房的话，至少要打算住个四五年才划算。</p><p><span word="The">The</span> <span word="reasoning">reasoning</span>? <span word="The">The</span> <span word="costs">costs</span> <span word="for">for</span> <span word="buying">buying</span> <span word="and">and</span> <span word="then">then</span> <span word="selling">selling</span> <span word="a">a</span> <span word="home">home</span> -- <span word="which">which</span> <span word="can">can</span> <span word="include">include</span> <span word="a">a</span> <span word="real">real</span>-<span word="estate">estate</span> <span word="agent">agent</span>'<span word="s">s</span> <span word="fee">fee</span>, <span word="a">a</span> <span word="transfer">transfer</span> <span word="fee">fee</span>, <span word="closing">closing</span> <span word="costs">costs</span>, <span word="and">and</span> <span word="inspector">inspector</span> <span word="and">and</span> <span word="surveyor">surveyor</span> <span word="fees">fees</span> -- <span word="could">could</span> <span word="add">add</span> <span word="up">up</span> <span word="to">to</span> <span word="about">about</span> 10% <span word="of">of</span> <span word="the">the</span> <span word="sale">sale</span> <span word="price">price</span>, <span word="or">or</span> <span word="roughly">roughly</span> 1&<span word="frac">frac</span>12; <span word="years">years</span> <span word="worth">worth</span> <span word="of">of</span> <span word="rent">rent</span>. '<span word="If">If</span> <span word="you">you</span> <span word="average">average</span> <span word="that">that</span> <span word="over">over</span> 10 <span word="years">years</span>, <span word="it">it</span> <span word="is">is</span> <span word="not">not</span> <span word="that">that</span> <span word="big">big</span> <span word="a">a</span> <span word="deal">deal</span>,' <span word="says">says</span> <span word="Mr">Mr</span>. <span word="Baker">Baker</span>. '<span word="But">But</span> <span word="if">if</span> <span word="you">you</span> <span word="average">average</span> <span word="it">it</span> <span word="over">over</span>, <span word="say">say</span> <span word="two">two</span> <span word="years">years</span>, <span word="you">you</span>'<span word="re">re</span> <span word="paying">paying</span> <span word="an">an</span> <span word="awful">awful</span> <span word="lot">lot</span> <span word="of">of</span> <span word="money">money</span> <span word="to">to</span> <span word="own">own</span> <span word="a">a</span> <span word="house">house</span> <span word="for">for</span> <span word="a">a</span> <span word="short">short</span> <span word="period">period</span> <span word="of">of</span> <span word="time">time</span>.'</p><p>原因何在呢？买了房子再卖掉所需的费用──包括房产中介费、过户费、买卖手续费、验房师和估价师的费用──杂七杂八加在一起大约是房价的10%，或者大致相当于一年半的房租。贝克说，“如果你把这个费用分摊到10年，那就不算什么大数目，不过如果要分摊到比如两年，那就意味着，你要为短时间拥有一个房子付出很大的价钱。”</p>
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