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Ownership advantages Most people should eventually download homes, but not everyone and not at every point in their lives. Remember your first apartment when you graduated from college or when your folks finally booted you out?
That place probably made you appreciate the good deal you had before — even those cramped college dormitories may have seemed more attractive! But even if you pay several hundred to a thousand dollars or more per month in rent, that expense may not seem so steep if you happen to peek at a home for sale. In most parts of the U. To figure out the price of a home you could download for approximately the same monthly cost as your current rent, simply do the following calculation: Take your monthly rent and multiply by , and you come up with the download price of a home.
Note that in Chapter 3 we show you how to accurately calculate the total costs of owning a home. Even more important than the cost today of downloading versus renting is the cost in the future. As a renter, your rent is fully exposed to increases in the cost of living, also known as inflation. A reasonable expectation for annual increases in your rent is 4 percent per year. Figure The skyrocketing cost of renting. To see what may happen to your current rent at that rate of inflation as well as at a slightly higher one , simply complete Table You can access Table on the CD; if you are reading this in an electronic format, go to the Table of Contents for access to the additional content.
As we explain in Chapter 6, a fixed-rate mortgage locks your mortgage payment in at a fixed amount as opposed to an adjustable-rate mortgage payment that fluctuates in value with changes in interest rates.
Therefore, only the comparatively smaller property taxes, insurance, and maintenance expenses will increase over time with inflation. In Chapter 3, we cover in excruciating detail what downloading and owning a home costs. And over the long term, inflation has almost always been around. The financial danger with renting long term is that all your housing costs rent increase over time.
We discuss the pros and cons of renting later in this chapter. The housing market goes through downturns — the late s being the most recent down period — but the long-term trend has always been higher. Older folks can tell you that owning a home free and clear of a mortgage is a joy. All that home equity the difference between the market value of a home and the outstanding loan on the home can help your personal and financial situation in a number of ways.
Here are three main ways: Some people choose to trade down — that is, to move to a less costly home in retirement.
See Chapter 17 to find out more about this home-ownership tax break. Under this arrangement, the lender sends you a monthly check that you can spend however you want. Meanwhile, a debt balance that will be paid off when the property is finally sold is built up against the property. What can you do with all this home equity? You can make your house your own Think back to all the places you ever rented, including the rental in which you may currently be living.
If, through persistence and nagging, you can get your landlord to make the improvements and repairs at her expense, great! When you own your own place, however, you can do whatever you want to it.
Want hardwood floors instead of ugly, green shag carpeting? Tear it out.
Love neon-orange carpeting and pink exterior paint? You can add it!
You probably want or need to sell your home someday, and the more outrageous you make it, the fewer downloaders it will appeal to — and the lower the price it will likely fetch. If you do make improvements, focus on those that add value: skylights, a deck addition for an outdoor living area, updated kitchens and bathrooms, and so on.
Beware of running yourself into financial ruin. Changing, improving, remodeling, or whatever you want to call it costs money. Others rack up significant debts that hang like financial weights over their heads.
In the worst cases, homes become money pits that cause owners to build up high-interest consumer debt as a prelude to bankruptcy or foreclosure. Much is made among real estate investors of the challenges of finding good tenants.
The best and smartest landlords realize that keeping the building shipshape helps attract and keep good tenants and maximizes rents and profits. Successfully reported this slideshow.
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