Falling house prices and taking flight rents have done it cheaper to purchase a home than be a reside in 8 out of 10 towns, investigate has indicated.
Renting a home right away expenses an median of 10.5 per cent more than profitable fascination on a housing loan for a similar property, up from a reward of 8.7 per cent in the center of final year, according to skill website Zoopla.co.uk.
The organisation mentioned that, as a outcome of low fascination rates and descending house prices, people were improved off shopping a two-bedroom prosaic than renting one in 80 per cent of towns and cities in Great Britain.
The disparity was paramount in Milton Keynes, where it cost 42 per cent more to lease a home rsther than than purchase one, with rents on a two-bedroom prosaic averaging 785 a month, whilst an interest-only housing loan on a similar skill would be 554.
It was 38 per cent cheaper to purchase a typically first-time customer home than to lease one in Walsall, whilst conventional rents were 35 per cent aloft than housing loan payments on a two-bedroom home in Birmingham, formed on an fascination rate of 5 per cent.
Reading and Derby finished the tip 5 places where it was cheaper to purchase than to rent, with people profitable premiums of 34 per cent and 27 per cent respectively to be a tenant.
Overall, rents exceeded the cost of having a housing loan by more than 20 per cent in 14 of the largest towns and cities in Great Britain.
The organisation mentioned the stream problems in the housing loan marketplace had left many people not able to to purchase their own home, boosting urge for rented accommodation.
But the credit break had moreover strike landlords, with many investors moreover not able to to steal to spread their portfolios, formulating a mismatch between supply and urge and pushing up rents.
There were still a few locations where it was cheaper to lease than to buy.
Plymouth had the most appropriate worth let market, with tenants profitable an median of 581 a month, compared with interest-only housing loan payments on a similar skill of 652.
People would moreover be more than 10 per cent a month improved off if they rented, rsther than than bought, in Huddersfield and Swansea.
Renting was 7.4 per cent cheaper than shopping in Aberdeen, whilst tenants could save 5.9 per cent in Oldham and 5.1 per cent in Edinburgh, compared with homeowners.
Nicholas Leeming, business growth executive of Zoopla.co.uk, said: 'While shopping wins out over renting today, the repercussions of a probable way up in fascination rates cannot be ignored.
'If fascination rates were to enlarge by one per cent and rents were to sojourn the same, renting would turn more cost-effective in 78 per cent of the locations studied.'
加州房市不振，房價從多年前的歷史性高峰滑落至新低，加上房貸利率相當吸引，此時正是「買家市場」。儘管如此，一些準買家仍猶豫不決，抱觀望態度，等待房價進一步下降。
一些房地產專家表示，合資格買家現在正是入市好時機。加州2010年中間房價為30萬1430元；假定買家付20%頭款，並取得30年期固定利率4.62%，該房屋的居住成本（本金、利息、稅金和保險)為1590元。
相比之下，加州一棟三臥兩衛浴公寓的中間租金連房屋租賃保險為1810元。換言之，買屋每月能節省220元，一年省2600元。
此 外，現行稅法允許屋主從他們的應課所得稅額中扣除房貸利息和物業稅。在加州購買中間房價30萬1430元房屋的最低收入要求為6萬3430萬元。舉例說， 兩個年收入同為6萬3430萬元的家庭，其中之一支付20%頭款，並取得30年期4.62%的固定利率，該家庭在擁有房子的第一年，將可獲得減免稅款1萬 4000元。而租屋的家庭很可能利用國稅局的標準扣除額，扣除1萬1400元稅款，總計比屋主那方少2600元。
有一對40多歲的夫婦多年來一直考慮是否要賣掉狹窄的共渡公寓，在近郊購入一棟較大的房屋，讓兩名八歲和十歲的孩子有更多活動空間。經過六個月苦苦找尋，兩人最後仍不能達成一致意見，最後賣掉公寓，離婚收場。
為了避免出現類似情況而危害婚姻，房地產專家建議夫婦應盡量瞭解對方的喜好和需要，在購屋前取得共識。以下是理查森為準備購屋的夫婦提供的建議：
●購屋前應先決定成本。很多夫婦在設定開支上限前已著手找尋房屋，但理查森說，準買家應先約見商譽良好的房貸經紀。雖然目前很多房貸機構透過網路銷售服務，理查森認為，光顧當地房貸機構將可獲得更詳盡的房屋資訊和更佳服務。
●第二步是選擇社區。理查森說，越早知道自己心儀的社區，便能及早找到專攻該社區的房地產代理。她建議夫婦買家與代理商討他們所需，例如希望離上班地點較近、多些休憩空間等。有可能的話，在周末開車前往有關社區、熟悉當地環境以及參觀待售房屋。
●做出取捨。很多30多40歲、有年幼子女的準買家，都想購入面積較大、有更多臥室和衛浴的房屋。但除了基本需要，夫婦應同時考慮車庫與院子等設施。理查森說，夫婦最好各自列出清單，讓對方知道自己的優先事項，俾能互相配合，選出彼此都喜歡的房屋
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