Payingrent and getting a mortgage, apparently involve the exact same principle. Youpay a certain amount each month for the place in which you’re living.

付房租和还月供，显然这两种情况基本相同。你每月为自己居住的房子支付一笔钱。

Thereare however, several fundamental differences. The main pros of getting amortgage on one, After many years of making monthly payments as they shall beleft with the home that you fully own.

然而，有几个本质的区别。首先，支付多年的按揭贷款之后，你将完全拥有自己的家。

2, inour current low interest Environment, your monthly mortgage payment wouldprobably be lower than your monthly rent payment.

第二点，在目前低利率环境下，你每月的按揭贷款可能会低于你每月的房屋租金。

3, realestate is a desirable asset, and you will be rewarded if prices go up. In avery optimistic scenario, if the price of your home goes by more than yourtotal monthly cost including the mortgage payment, you’re practically gettingpaid to live there.

第三点，房地产是优质资产，如果房价上涨你将从中获益。乐观估计，如果房价上涨超过你每月的总支出（包括月供），你实际上就是躺在家里赚钱（躺赚）。

The mainpros of renting on the other hand are, one a lot more flexibility. It’s significantlyeasier to move to a new neighbourhood or city when you’re renting, since youdon’t have to go through the process of selling your home.

另外一方面，租房最主要的优势就是更灵活。当你租房的时候，搬家到一个新的社区或城市是非常容易的，因为你不必经历卖房流程。

2, ifyou’re going through a rough patch, you can easily move to a cheaper place whenrenting or in a worst-case scenario, even move back in with your parents for awhile.

如果你租住在一个让你不爽的地方，你可以立即搬家。就算遇到最糟糕的情况，还可以考虑搬回家与父母同住一段时间。

If youhave mortgage obligations on the other hand, things tend to be more complicated.

但是，如果你有按揭贷款要还，那事情变得就相对复杂多了。

3,property taxes and most maintenance related costs are covered by your landlordwhen renting, whereas when owning a home fixing everything that breaks andpaying taxes is your responsibility.

第三点，租房的时候，房产税和维护费用都是由房东来支付的。然而拥有自己房产的时候，维护和交税都是你自己的责任。

All inall, getting a mortgage makes sense if you’re interested in a long-termsolution and understand all implications.

总而言之，如果你想有一个长期的居所，而且了解所有相关信息，贷款买房绝对是正确的。

If youare still undecided, wait and rent.

如果还有什么不确定，那就边租房边观望吧。

英文原版视频链接：https://www.youtube.com/edit?o=U&video_id=SIuA0dpZtaE

中文字幕视频链接：http://v.youku.com/v_show/id_XMjY2MDIyMTM4OA==.html

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