Graham Stephan: một nhận định không rõ hướng

Khung thời gian được kiểm chứng

Lãi suất vay mua nhà cố định 30 năm: khảo sát PMMS của Freddie Mac, qua FRED, số liệu công bố lần đầu. Vùng tô là khung thời gian được kiểm chứng; vùng xám là các giai đoạn suy thoái.

Ngữ cảnh xung quanh

say that you shouldn't be waiting for a 30% crash that'll probably never happen. Instead if the numbers work for you today on a home that you could comfortably afford even if your income drops that you intend on keeping for at least 7 to 10 years and the numbers work out in your favor then by all means do it. Number two you should refinance if rates drop. Again if you buy something today that you could genuinely afford and rates do eventually drop, and you could refinance to save some money, great. By all means, go for it. But, don't expect this to happen, because as we've all seen, rates have stayed significantly higher for much longer than people have expected. That then leads to number three. There's absolutely no shame in renting. Realistically, if you could rent the exact same house for much less than it would cost you to buy it, and you could invest the difference, I just tend to think that's the smarter move right now. The way I see it, renting is not throwing away money when it's costing you less than what it would cost to buy without tying up your down payment in an illiquid asset. In a lot of markets, renting just makes significantly more sense. Even if society says, "Oh,

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