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buy-vs-rent
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买房还是租房,计算哪个更值得。
Node.js安装
npm install buy-vs-rent
浏览器引用
<script src="//unpkg.com/buy-vs-rent"></script>
Node.js
const buyvsrent = require('buy-vs-rent');
const obj = buyvsrent({
loan: 300, // 贷款量(万)
loanRate: 0.049, // 贷款年利率
months: 12 * 30, // 还贷时间(月)
cash: 100, // 现金量(万)
cashRate: 0.04, // 现金年投资回报率
rent: 0.4, // 租房租金(万)
rentRate: 0.1, // 租房租金年涨幅率
inflationRate: 0.05 // 年通货膨胀率
})
// obj:{housePrice: 房子购买价格, cash: 租房最终现金量, inflation: 通货膨胀倍数, power: 购买力, msg: 文本}
浏览器引用
<script src="//unpkg.com/buy-vs-rent"></script>
<script>
var obj = window.buyvsrent({
loan: 300, // 贷款量(万)
loanRate: 0.049, // 贷款年利率
months: 12 * 30, // 还贷时间(月)
cash: 100, // 现金量(万)
cashRate: 0.04, // 现金年投资回报率
rent: 0.4, // 租房租金(万)
rentRate: 0.1, // 租房租金年涨幅率
inflationRate: 0.05 // 年通货膨胀率
})
// obj:{housePrice: 房子购买价格, cash: 租房最终现金量, inflation: 通货膨胀倍数, power: 购买力, msg: 文本}
</script>
定量判断两种投资方式(买房vs租房)对自身积累财富的影响
关注点:
贷款方式
商业贷款
公积金贷款
:thumbsup:组合贷款
因为组合方式的贷款数额和时间固定,所以可以换算成某个单一固定利率。
还款方式
:thumbsup:等额本息
月还款额 = 本金 * 月利率 * Math.pow(1 + 月利率, 还款总月数) / (Math.pow(1 + 月利率, 还款总月数) - 1)
等额本金
月还款额 = 本金 / 还款总月数 + 剩余本金 * 月利率
因为机会成本和通货膨胀率等原因,所以选择等额本息为佳。
房租涨幅
机会成本
买房的钱、还贷的钱、交房租的钱,都有机会成本,也要计算收益。
买房(交房、装修后)可以出租或自住,总之就是比没有买房多一次房租收入(或少一次房租支出)。
复利
所有投资收益或贷款利息都计算复利。
通货膨胀率
因为对比的是两种投资方式之间的财富总量,而不是与不同时期购买力比较,所以计算时不需要加入通货膨胀。
但一定要加入每年0~10%的通货膨胀率进行思考,所以现金在当下购买力为曾今的:现金 * (1 + 通货膨胀率)。
计算方式
有能力的就必须选择购买固定资产
其实没有考虑通货膨胀的话,把钱投入固定资产而无法流通是不适合的;但是考虑到通货膨胀,则越少现金亏损越少,负现金(贷款)会因为通货膨胀而获益。通过省去几千字几万字的论证,从其他文章得出结论的就是:
买房,并且最佳的房贷还款方式是:首套房付最少的首付,用最大的杠杆贷最多的款,选择30年等额本息法,拒不提前还款,积攒资金等着改善房或者二套房的投资机会;公积金贷款,初始贷款以最大贷款额为原则,其次的还款里以不让公积金账户有一分钱存留为原则,尽量提前还款。
FAQs
The npm package buy-vs-rent receives a total of 1 weekly downloads. As such, buy-vs-rent popularity was classified as not popular.
We found that buy-vs-rent demonstrated a not healthy version release cadence and project activity because the last version was released a year ago. It has 1 open source maintainer collaborating on the project.
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