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发表于 21-6-2019 11:19 PM
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本帖最后由 BlazeA4 于 21-6-2019 11:26 PM 编辑
不買房自住 最終將落得後悔的下場
當然如果你已經有屋子了 想再買來炒的話就不必了
雖然這是澳洲的報導 但是也可以套在馬來西亞當你認為租房子自由自在 但你沒想過老了退休了怎辦
你每個月需要拿出一大部分的退休金來租房子
而且房東未必要租房子給你
一來你是老人 房東不知道你有沒有錢還租金
要是你沒有錢還要趕你走也難
人家會譴責他沒有良心趕老人家走
二來他怕你會死在他的房子
畢竟你是老人家
所以你老了可能會面對有錢租不到房子的局面
想買下來的話又不夠錢一次過付現金
銀行也不可能借錢給退休的老人家
Kate enjoyed her freedom too much to buy a house — now she regrets being a lifelong renter
By Katri Uibu
Updated 15 May 2019, 12:42pm
Kate the life long renter reading a book a couch, May 2019.
In her early 20s, Kate cherished her freedom too much to let the mortgage shackles tie her down.
"I never wanted to really own a house," she said.
"For me, renting was attractive because it gave me freedom of mobility. It meant that if I needed to leave, I could.
"I didn't have to invest all of that money into repairs and maintenance, and all of those costs and taxes that property owners have to have."
Now 44 and a single mother of one, nothing seems as attractive as a home to call her own.
"My lifestyle's very different now, I have a family to support and I need more stability," she said.
'I did make that choice'
Kate has never been a high-income earner. With a BA in fine arts, she was employed by galleries, but had to take on extra shifts in hospitality to get by.
"I'd accepted the fact that I had to make a choice between owning a home and working in a job I loved — because there's no money in that job. I did make that choice," she said.
"But that was when renting was a viable option for people on low incomes, and it no longer is in this country."
Kate fears time has run out for her, and she will never be able to save enough money to buy and pay off a house.
"If I had started saving in my 20s and maybe bought a house in my mid-30s, I would have missed the housing crisis. I'd be alright now," she said.
Australian rental market 'utterly unsuited' for secure housing
Kate is not alone.
Dr Kathleen Flanagan, a housing expert from the University of Tasmania, said many Australians now found saving for a home while renting unaffordable.
She said, historically, it was assumed Australians would rent for a couple of years, then buy their own home — but this happens less now.
"So, [traditionally] we have quite a low aged pension, and the reason for that is we assume that [pensioners] own their home outright and their housing costs are therefore very minimal," she said.
"What we're seeing now is that increasingly people on the aged pension are living in the private rental market, and we are seeing that their capacity to sustain themselves is very difficult."
Inevitably, Dr Flanagan says renters are forced to "put up with a lot".
"People are at a greater risk of living in a substandard housing or being treated poorly by their landlord," she said.
"[They] might not feel able to request basic maintenance to be done on their properties because they're concerned about the repercussions it has on their ongoing tenancy."
Dr Flanagan said Australia's rental market was "utterly unsuited" for providing long-term secure housing, and the country would do well to look towards Europe.
"In Europe, renting is much more normalised and renting is accompanied by legislative environment that supports long-term renting," she said.
"Tenants have more control over their property."
The Real Estate Institute of Australia (REIA) estimates that 8 million Australians across the country are renting.
REIA president Adrian Kelly said the housing problems in Tasmania should act as a warning to other states.
For example, the REIA estimates Hobart is short of 5,000 properties — driving up the demand — but the stalling of people's wages means many on lower incomes are falling behind.
"I have no doubt that that's happening right now," he said.
"Everyone's doing well and enjoying themselves, except for those people."
The only way to fix the issue, in Mr Kelly's view, is to build more homes.
"We have to do it. That's the only way. Because there's not enough homes to go around," Mr Kelly said.
Kate has been renting for more than three decades, and spent hundreds of dollars of "wasted" money on rent.
As rental prices in her hometown of Hobart kept skyrocketing — even surpassing those in Melbourne — she was eventually priced out of her long-term rental.
"As the rental market became increasingly mercenary, I realised that not only would I never own a house, but I may even end up homeless because I was having trouble finding houses to rent," she said.
Faced with the double whammy, anxiety took over.
"I worried myself sick. I lied awake literally every single night with insomnia, worrying about what was going to happen, how was I going to support us," she said.
Kate said the country was too fixated on achieving the "great Australian dream — the quarter-acre block", leaving it geared towards serving the investors.
"It's very much you're living in someone's investment property and you're paying off their mortgage," she said.
"That's such part of our cultural narrative that it hasn't left any scope for, well, what do other housing models look like?"
First posted 15 May 2019, 4:00am
https://www.abc.net.au/news/2019 ... wn-a-house/11082294
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