［投资］钱到用时方知少 by susanli3769

hive-180932 · @susanli3769 · Jul 24 '21

$4.18

［投资］钱到用时方知少

![IMG_9611.JPG](https://images.hive.blog/DQme37N53vSRoia7SPzjT4VL9X5Vapq8aM3GFaEa6EpXtZw/IMG_9611.JPG)

找新工作已经告一段落，在确定我们短时间内不会搬家后，某生问了我一个问题：“我们如何可以更好地enjoy 这里的生活？“ 

某生的一个建议是我们找个summer house。周末的时候我们可以简单pack 一下就可以开车过去的那种。今年夏天的时候我们去了cape cod 看了房子。原本有一套房我们都已经打算买下，可是后来因为该condo 的物业有问题计划流产了。 

现在某生又提起购买summer house 的建议。我个人倾向购买投资房，而不是大多数时间都空着的summer house。 于是我建议为什么不同时看看在波士顿市区是否有2-3 family house？这样我们可以自住一套，其他的出租？我们可以把现在的房子卖了来支付首付。因为疫情，很多市区里的人都来郊区买房子。市区的房价有些回落，也许是购买的好时候？ 

马上跟一位住在波士顿的朋友打听那里的房价。她居然建议我们购买一栋4.2m 的房子。可以出租和自住。我的乖乖，有那些钱我还这么愁做啥？结果被那位朋友教育了一番。她说”你就是不明白！谁都在用杠杆！除了中国富豪外。“

这位朋友夫妻两在波士顿有不少房产，其中两大栋都是整栋购买，几百个m 一栋。他们胆子大，全部都用杠杆。投资房首付20%，只交付20％ 的首付，剩下的全部贷款。每个月的月供都是靠收租来还。他们平时也到处看房子，男的专门投资。 

如果我们把所有的钱全部压在房子上，交个首付还是够的，但是，想到如果真那么干，以后每个月要偿还的贷款／利息，以及处理租客的事宜，想了都头疼。而且万一工作出问题，没了收入，那么除非每个月的房租真的可以完全抵得起贷款，租客还不能有问题，否则，不用支撑多久就可能出现资金链断裂的严重后果。想做房东也真不是那么容易做的。 

堵上全部身家在单一投资上，小女怕怕。佩服朋友的胆量，也该他们富贵。她有次跟我说他们自己其实没有很多现金，大部分是借银行的。我们没有他们那么豪气，大胆豪赌，也只能羡慕人家的富贵。 她后来又跟我说”你还是别太累，要那么多钱干嘛？“ 一句话隐含着背后多少的辛苦和压力呀，有钱人外表看似风光，我们真的不知道人家每日要承受多大的压力？ 

再次看看我们的存款，还是老老实实做个普通人吧，没有那个金刚钻就别揽那个瓷器活了... 
![Uploading image #NaN...]()

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