要買房還是要租屋，相信對於手頭不是很寬裕的首購族是個大問號，這一方面的論戰在很多投資房地產的論壇都常常被拿出來討論。
其實華人總還是脫不了有土斯有財的觀念，所以其實常常很多人口頭上說不當屋奴，但後來還是老老實實的去買房子。
下面提供了一則比較案例，方案A與方案B，方案A是買房，利息條件設為20年平均利率3%，房屋每年折舊1%；方案B則是把本來拿去買房子的頭期款拿去投資，獲利條件設為每年獲利7%，但是每個月要付出12000的房租，以此來做比較，看看最終是買房好還使租房好??
FIGHT!!!
| 購屋(A方案) | |
| 房價 | $2,800,000 |
| 自備款 | $560,000 |
| 貸款 | $2,240,000 |
| 貸款年限 | 20 |
| 貸款利率 | 3.00% |
| 房屋、地價稅(每年) | $3,000 |
| 房價年成長率 | -1% |
| 購屋 |
| 房屋價格 | 貸款餘額 | 本金 | 利息 | 稅金 | 年支出 | 房屋淨值 |
| $2,800,000 | $2,240,000 | $560,000 | $560,000 | |||
| $2,772,000 | $2,156,637 | 83,363 | $67,200 | $3,000 | $153,563 | $615,363 |
| $2,744,280 | $2,070,773 | $85,864 | $64,699 | $3,000 | $153,563 | $673,507 |
| $2,716,837 | $1,982,333 | $88,440 | $62,123 | $3,000 | $153,563 | $734,504 |
| $2,689,669 | $1,891,240 | $91,093 | $59,470 | $3,000 | $153,563 | $798,429 |
| $2,662,772 | $1,797,414 | $93,826 | $56,737 | $3,000 | $153,563 | $865,359 |
| $2,636,144 | $1,700,773 | $96,641 | $53,922 | $3,000 | $153,563 | $935,372 |
| $2,609,783 | $1,601,233 | $99,540 | $51,023 | $3,000 | $153,563 | $1,008,550 |
| $2,583,685 | $1,498,707 | $102,526 | $48,037 | $3,000 | $153,563 | $1,084,979 |
| $2,557,848 | $1,393,105 | $105,602 | $44,961 | $3,000 | $153,563 | $1,164,744 |
| $2,532,270 | $1,284,335 | $108,770 | $41,793 | $3,000 | $153,563 | $1,247,935 |
| $2,506,947 | $1,172,301 | $112,033 | $38,530 | $3,000 | $153,563 | $1,334,646 |
| $2,481,878 | $1,056,907 | $115,394 | $35,169 | $3,000 | $153,563 | $1,424,970 |
| $2,457,059 | $938,051 | $118,856 | $31,707 | $3,000 | $153,563 | $1,519,008 |
| $2,432,488 | $815,630 | $122,422 | $28,142 | $3,000 | $153,563 | $1,616,859 |
| $2,408,163 | $689,535 | $126,094 | $24,469 | $3,000 | $153,563 | $1,718,628 |
| $2,384,082 | $559,658 | $129,877 | $20,686 | $3,000 | $153,563 | $1,824,424 |
| $2,360,241 | $425,885 | $133,773 | $16,790 | $3,000 | $153,563 | $1,934,356 |
| $2,336,639 | $288,098 | $137,787 | $12,777 | $3,000 | $153,563 | $2,048,540 |
| $2,313,272 | $146,178 | $141,920 | $8,643 | $3,000 | $153,563 | $2,167,094 |
| $2,290,139 | -$0 | $146,178 | $4,385 | $3,000 | $153,563 | $2,290,139 |
| 租屋(B方案) | |
| 月租金 | $12,000 |
| 平均投資報酬率 | 7.00% |
| 租屋 |
| 年繳租金 | 房租-房貸 | 前期獲利 | 本金餘額 |
| $560,000 | |||
| $144,000 | $9,563 | $39,200 | $608,763 |
| $144,000 | $9,563 | $42,613 | $660,940 |
| $144,000 | $9,563 | $46,266 | $716,769 |
| $144,000 | $9,563 | $50,174 | $776,506 |
| $144,000 | $9,563 | $54,355 | $840,424 |
| $144,000 | $9,563 | $58,830 | $908,817 |
| $144,000 | $9,563 | $63,617 | $981,998 |
| $144,000 | $9,563 |
$68,740 |
$1,060,301 |
| $144,000 | $9,563 | $74,221 | $1,144,085 |
| $144,000 | $9,563 | $80,086 | $1,233,734 |
| $144,000 | $9,563 | $86,361 | $1,329,659 |
| $144,000 | $9,563 | $93,076 | $1,432,298 |
| $144,000 | $9,563 | $100,261 | $1,542,122 |
| $144,000 | $9,563 | $107,949 |
$1,659,634 |
| $144,000 | $9,563 | $116,174 | $1,785,371 |
| $144,000 | $9,563 | $124,976 | $1,919,910 |
| $144,000 | $9,563 | $134,394 | $2,063,867 |
| $144,000 | $9,563 | $144,471 | $2,217,901 |
| $144,000 | $9,563 | $155,253 | $2,382,717 |
| $144,000 | $9,563 | $166,790 | $2,559,071 |
租屋最後現金:$2,559,071
買房最後現金:$2,290,139
租屋is the winner!!
BUT!
假如你買到了一個不會折舊的地段!
租屋最後現金:$2,559,071
買房最後現金:$2,800,000
The winner is 買房!!!
BUT!
假如你可以每年投資都獲利10%
租屋最後現金:$4,315,131
買房最後現金:$2,800,000
The winner is 租屋
BUT!!!
搞什麼啊!
還有~~煩不煩啊
真的是最後了真的!
假如你當初找到一間30坪總價240萬的中古屋，每年折價1%
即使你可以每年獲利10%，但最終
租屋最後現金:$1,438,671
買房最後現金:$1,758,500
買房或租屋其實並無一定誰勝誰負，取決於幾個因素歸
1.總價夠低:
每月繳交貸款與利息<房租，絕對是買房子比租房子來得划算，更何況誰能保證投資年年都能賺10%呢?。
2.折舊:
當房子折舊率的時候，就越值得買，增值的房子當然就更不用說了，絕對是買。
3.利率:
當利率越來越高的時候，租房子會越來越划算
買贏租的權重:低總價>>>折舊>利率
會增值的房子通常總價都不夠低，不符合第一要件，但是有一種房子至少可以保值，那就是:地點好的老房子(12~18年)，拋開大台北不說，相信中部、南部一定有這樣的價格區間，只要在這個區間買進，住個4、5年然後賣掉，通常折價率都很低，甚至保值。
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