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发表于 2017-3-13 08:47
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本帖最后由 voteoften 于 2017-3-13 11:22 编辑
股市投資眼光獨到，人稱「股神」的華倫巴菲特（Warren Buffett），對於買房也有一套自己的心得，他認為，有家庭的人都該擁有一棟自己的房子，是最棒的投資。
華倫巴菲特認為，有家庭的人都該擁有一棟自己的房子。（維基／作者Mark Hirschey）
巴菲特接受美國財經媒體「CNBC」訪問時談到買房時指出，如果決定要在一個區域買房自住，他建議去背30年房貸，就算房貸利率調高，也是穩賺不賠的單向賭博（One-way Bet）。
巴菲特表示，他在1971年看上加州的一棟別墅，售價是15萬美元，他準備好了3萬美元頭期款，申請30年的房貸。而他坦言，當時對買屋的看法是，與其用大筆現金一次付清，倒不如申請房貸，把部分貸款和資金挪作其他投資使用。
巴菲特認為，30 年房貸是「全世界最棒的投資工具」，並建議有家庭也打算在一個地方長住的人，就應該買房，就算美國利率升至 2%，仍可能還清貸款，不會構成重大損失，是一場「不會輸」的單向賭博。
http://www.cnbc.com/2017/03/06/h ... uld-buy-a-home.html
When it comes to homeownership, there are people who think it's "an escalator to wealth" and others who claim it's "the American nightmare."
What does self-made billionaire Warren Buffett say? His advice is to buy.
Real estate is a valuable asset "for a great many people," particularly for families that plan on being in the same location for many years, he tells CNBC: "If you know you're going to live in a given area, or think it's very likely, for a considerable period of time and you've got a family, the home is terrific."
Warren Buffett
David A. Grogan | CNBC
Warren Buffett
One of the reasons a home is a terrific buy is because of the 30-year mortgage.
The investor took out a 30-year mortgage in 1971 when he bought his Laguna Beach, California, vacation home, which he recently listed for $11 million: "When I bought it for $150,000, I borrowed some money from Great Western Savings and Loans. So I probably only had $30,000 of equity in it or something like that. It's the only mortgage I've had for 50 years."
A 30-year mortgage is "the best instrument in the world," Buffett says. "Because if you're wrong and rates go to 2 percent, which I don't think they will, you pay it off. It's a one-way renegotiation. It is an incredibly attractive instrument for the homeowner and you've got a one-way bet."
While his six-bedroom, seven-bathroom seaside place is for sale, don't expect his house in Omaha, Nebraska, which he bought in 1958 for $31,500, to go on the market anytime soon. "I wouldn't trade it for anything," says Buffett. |
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