house投资首付多少合适？

oz2009

最近在看70-80W的house,想投资house,大家觉得投资放多少资金合适。如果20%的话是不是太少了。

因为house无论如何是negative cashflow,是不是首付越多就越划算。

本人年税率差不多30%,但我在想house的depreciation rate少，如果投的少是不是还是不划算，大家一般投房子的百分之多少？

online186

oz2009

黑山老爷呢?

newtoall

原帖由 oz2009 于 2010-12-25 00:08 发表
最近在看70-80W的house,想投资house,大家觉得投资放多少资金合适。如果20%的话是不是太少了。 因为house无论如何是negative cashflow,是不是首付越多就越划算。 本人年税率差不多30%,但我在想house的depreciation  ...

Answer:
It  really depends on how much the rest of money return if you did not put in the mortgage.

If  Retun-on-the-money-not-put-in-mortgage >= the-same-amount-money-put-in-mortgage * 0.8
    20% is good enough
Else
    Put as much as possible into the mortgage

Also house无论如何是negative cashflow --->  is a false argument.

[ 本帖最后由 newtoall 于 2010-12-25 19:40 编辑 ]

iami

DBOY123

30%税率，negative gearing效果不大

oz2009

原帖由 DBOY123 于 2010-12-25 09:14 发表
30%税率，negative gearing效果不大

是over 30%还是低于30%好？

iami

原帖由 oz2009 于 2010-12-25 02:15 PM 发表


是over 30%还是低于30%好？

越多越好

oz2009

原帖由 iami 于 2010-12-25 14:38 发表


越多越好

没问你呢，兄弟。shelovesa...

kuxxc

This is a non question nowadays. If you don't have other non tax deductible debt, pay 20% to avoid mortgage insurance, and leave all other money you've got in the offset account. This gives you the most benefit and flexibility.

kuxxc

This is a non question nowadays. If you don't have other non tax deductible debt, pay 20% to avoid mortgage insurance, and leave all other money you've got in the offset account. This gives you the most benefit and flexibility.