从“全现金”购房看理财的重要性

From:  厉 晴 人在西雅图 1 week ago

       现实生活中存在着这种现象:有些人由于工作忙碌而无暇考虑如何对资产进行合理配置,只是按照传统的思维方式来进行投资;还有些人没有任何的财务计划,觉得就那么点钱没必要去了解、去折腾,任凭它在低利息的账户中储蓄着,静静地贬值着。这确实是一个误区,假如他们知道拥有一个适合的财务规划,对现有的投资进行合理的配置,有时会带来意想不到的神奇效果,或许他们就会停下日常匆匆的步伐,静下心来好好地思考这个问题。这里我想就全现金购房这个现象进行一些具体的分析,来阐述投资的合理配置的重要性。

       由于中国的传统思维,大家都习惯了,到一个地方要有自己的住房,心里就踏实,出去租房子则是迫不得已的事;自己有房住了,就想着房子的投资性,固定资产的保值增值性,它的出租收益。购房种种的好,让人乐此不彼。因此,在美国的房地产买卖中全现金购房的中国人屡见不鲜,也充分体现了国人把房地产投资放在第一位的传统理念。那么,全现金购房究竟是不是一种好的投资方式呢?下面,我们来看看用100万美元全现金购房和把这100万美元分拆进行理财的种种差别吧。

100万美元购买价值100万美元独立屋一幢

预计回报

租金收益,房子可能的增值,产权

支 出 项

房产税,房屋保险费,出租管理费和维修费等

风  险

房屋贬值

                我们常说,不要将鸡蛋放在一个篮子里 。试着这么做看看:将100万美元分成两部分:将其中的40万美元或25万美元作为首付来购买价值100万的独立屋一幢(在西雅图对针对外国人的购房贷款,大都是要求最低首付为40%;我们公司所属的泛宇集团也办理对外国人的贷款业务,最低首付可低达25%);另外的60万美元用于购买指数型人寿保险。01

       首付40万,购买100万美元的房屋,以外国人贷款5.5%利率来计算,30年还款期来计算,每月大约需还本金加利息$3407。       

40万美元首付购买价值100万美元独立屋一幢

预计回报

租金收益,房子可能的增值,产权

支 出 项

月供$3407,房产税,房屋保险费,出租管理费和维修费等

风  险

房屋贬值

02

       首付25万,购买100万美元的房屋,以外国人贷款5.5%利率来计算,30年还款期来计算,每月大约需还本金加利息$4258。       

25万美元首付购买价值100万独立屋一幢

预计回报

租金收益,房子可能的增值,产权

支 出 项

月供$4258,房产税,房屋保险费,出租管理费和维修费等

风  险

房屋贬值

       由此,投资者手中同样拥有一套价值100万美元的房子,但同时拥有因贷款所带来的支出项——月供,这项支出可以全部或部分由租金来支付。     

余下60万美元购买指数型万能险产品

以女性客户,46岁,perfered无吸烟史健康状况为例。购买某保险公司可对外国人销售的指数型保险产品;保费60万美元,分五年交,一年交12万美元。以7.58%为预估回报率来计算(该回报率与实际回报有差异,过去10年的平均回报为8.762%)

                                            (计划书由John 提供,以下也是。特此致谢)

66

01.账户现金值:173万多美元

02.保额300多万人寿保险

    客户可以选择一次性地把账户里的现金173万多美元取出,但此时保单会被取消;也可以继续保持保单,账户现金值和保额继续增长。   

       到91岁时账户现金额会增长到1200多万,同时还拥有1300多万的人寿保险。

       但是如果客户还有退休方面的生活需求的话,以同样的条件购买来购买,不同的是10年后该客户要求领取固定生活收入,以保障其生活。根据计算,第11年起该客户每年可以领取$73,719作为其生活的来源,并且可以终生领取。 

76


01.共领取了$1,474,389

02.账户现金值:79万多美元

03.保额达99万多的人寿保险

96


01.共领取了$2,348,777

02.账户现金值:495万多美元

03.保额近540万美元的人寿保险

       以上的计算是在预期回报率为7.58%的基础上进行计算的,与现实有一定的差异,在此只是用于举例说明。  指数型万能险有风险吗?

1、市场涨,账户现金值涨,但有不同规定的涨幅限制

2、市场跌,账户里的现金值不下跌,保持零增长(风险小)

     这就首先保证了客户资金账户的基本安全,再在市场增长的基础上不断增值,呈现出阶梯式的增长态势。

      有句话说:你不理财,财不理你。您在忙于投资做生意的同时,如果抽出一点时间来进行资产的合理配置,相信您会收获一份惊喜、收获一份安心的。

       以上的数据分析只是用于作者阐明观点,不作投资的依据。具体数据则会由于客户的性别、年龄、健康状态、对保险的需求(有关注资金增长、有关注重大疾病保障、有要求长期护理、有关注退休收入或死亡赔偿等)以及市场的发展而不同的。本文成稿要感谢我们公司John的技术支持和帮助,非常感谢他提供素材和资料。(题目图片来自网络,如有侵权请告知移除,谢谢)

1

     如果:您想了解美国房地产行业的相关信息或来美国投资房地产;您想通过选择适合的保险理财计划,让您的未来生活无忧,让您的资产保值增值并传承给后人;您想通过我的文章了解美国日常生活的点滴。请关注我,联系我,并提供宝贵意见。泛宇集团具有强大的专业理财技术团队,可以为您量身打造最适合的财务规划,让您满意,让您安心!


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