Mkuu embu fafanua hapa...
Inakuaje kukodi ikawa bora kuliko kukiliki kwa muda mrefu?
Kwa nani?
Watu tofauti wana vipaumbele tofauti.
Kununua nyumba Marekani kuna liabilities nyingi sana. Mtu akianguka mbele ya nyumba yako, wakati wa snow kwa mfano, kwa sababu hujasafisha snow, anaweza kukufungulia kesi akakufilisi.
NASA wanaweza kuamua kupanga ili kuondoa headaches za liabilities. Liabilities in the legal sense of being liable, not the accounting sense of assets and liabilities.
Kwa hivyo, usilinganishe kununua nyumba Tanzania na Marekani.
Kwa mfano. Mtu ambaye hapendi kulipa property taxes, mortgage insurance etc kwa gharama kubwa kulinganisha na renting tu, anaweza kuamua ku rent kwa gharama ndogo zaidi, halafu savings aka invest.
Real Estate Marekani was a sure shot for a long time when property values were uniformly appreciating. After the 2008 mortgage crisis, that is no longer the case. Kuna watu nilinunua nao nyumba kama miaka 15 iliyopita, wanalalamika kwamba thamani ya nyumba haipandi. Wanauza kwa bei ya chini kuliko walivyonunua. Mimi sioni tatizo hili kwa sababu sina mpango wa kuuza nyumba zangu.
Kuna hii article wameelezea kirefu.
It's better to rent than to buy in today's housing market