[灌水]租房划算还是买房更值

<span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">生存还是死亡，这是个问题（</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">To be or not to be</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">：</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">that is the question</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">）。借用哈姆雷特这句经典的内心独白，漂泊在都市里的人是不是也时而问自己：租房还是买房，这是个问题。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/><br/></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">进入</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">2007</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">年，</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://bj.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">北京房产</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">、</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://sh.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">上海房产</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">、</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://shenzhen.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">深圳房价</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">以一种无所畏惧、义无反顾的姿态勇攀高峰。不用说城市里的低收入人群早已望楼兴叹，就是有着殷实收入的白领心里也在犯嘀咕：倾全家之力，在城市的郊区买一套每平米万元的房子，值吗？</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/><br/></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">在西方发达国家如美国这其实并不成为一个问题：买不起，就租呗！但在住房自有率全世界最高的中国，问题就复杂化了。毕竟中国是一个农业大国，人口众多，农民意识根深蒂固，赚了钱就建房置业是天经地义的。于是，一方面是力不从心，一方面又跃跃欲试。到底是</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://zufang.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">租房</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">还是买房？什么情况下</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://zufang.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">租房</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">什么情况下买房？这种哈姆雷特式的诘问存在很多人的心中。《钱经》也无法给出准确的答案，只能从定性和定量的角度来做一衡量。是买还是租，最终还是由你决定。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/><br/></span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://esf.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">买房</span></a></span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">
                </font></span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://zufang.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">租房</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">，哪个更划算？</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">买房和租房在价格上具有可比性吗？因为一个是拥有自己的东西，另一个是在用别人的东西。但如果你不仅把房子当成是大宗消费品而是一种资产时，对其价格的看法就有了另一种角度。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/><br/></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">众所周知，股票等金融资产的价格总是上下波动的，于是人们寄希望自己能够做到低买高卖。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://sh.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">房地产</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">作为一种资产也有同样的规律，从长时期来看围绕一个平衡点往复震荡。只是国内很多城市人只感受到“涨”而没有经历过“跌”，可是如果关心一下国外的、乃至中国香港、北海等城市的房产市场，就会发现在一个长时间跨度内价格上下波动很正常。显然，如果你能在房价高悬时期租房住，而在价格下跌后买房，那就是很明智的理财决策。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/></span><img src="attachments/dvbbs/2007-12/2007121217534624169.gif" border="0" onclick="zoom(this)" onload="if(this.width>document.body.clientWidth*0.5) {this.resized=true;this.width=document.body.clientWidth*0.5;this.style.cursor='pointer';} else {this.onclick=null}" alt="" /><br/>

<br/><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">租售比，也就是租金与售价的比例，是衡量房产投资价值的一个重要指标。这有点类似于股票的市盈率，市盈率太高的股票不能碰，同样，售价高于租价太多倍的房产不能买。据中国社会科学院城市发展与环境研究中心发布的《</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">2007</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">房地产蓝皮书：</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://yahu.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">雅虎房产</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">发展报告</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">NO.4</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">》显示，</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">2006</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">年我国部分大城市</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #004a9c; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><a href="http://esf.okfang.com/" target="_blank"><span style="COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: 'Times New Roman'; mso-hansi-font-family: 'Times New Roman';">二手房</span></a></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">的“租售比”已超过国际警戒线。北京、深圳、上海等城市中心城区的“租售比”已经高达</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">1:270</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">至</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">1:400</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">，而国际警戒线不到</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">1:200</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/><br/></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">当然我们不能总拿国际标准说事，毕竟中国国情不同。不过当你在偏远郊区置业的房贷月供负担很重，而且远高于在城区租同等条件住房的租金时，会不会也要考虑：这房买的值吗？下面，我们结合具体的案例对买房和租房成本进行定量比较分析，仅供参考。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/><br/></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">程奇峰先生现年</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">30</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">岁，是一家建筑公司的设计师，平时月工资约</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">5000</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元，主要收入要靠业务提成奖励，基本上是每个季度以业务奖金形式兑现他的提成收入，以程先生的技能及多年来的业绩看，他一般每个季度的奖励约为</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">10000</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元，年终还可有一笔额外的</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">10000</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元综合奖励，年收入大约为</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">11</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">万元。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">
                        <br/><br/></font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">程先生的太太是一家外贸公司的会计，月工资约</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">4000</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元，年底有一份双薪奖励，年收入约为</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">52000</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元。两人年家庭工资收入</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">16.2</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">万元。</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><br/><br/></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">假设程先生需要第二套房产，为享受相同品质的生活，有两个选择，其一是购买位于清河颐清家园</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">125</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">平米的三房两厅，每平米</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">8000</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元；其二是租住一套同小区</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">125</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">平米的三房两厅，月租</span><span lang="EN-US" style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: ''; mso-fareast-font-family: 宋体; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;"><font face="宋体, MS Song">3500</font></span><span style="FONT-SIZE: 9pt; COLOR: #5577aa; FONT-FAMILY: 宋体; mso-ascii-font-family: ''; mso-hansi-font-family: ''; mso-font-kerning: 1.0pt; mso-bidi-font-family: 'Times New Roman'; mso-ansi-language: EN-US; mso-fareast-language: ZH-CN; mso-bidi-language: AR-SA;">元。</span>