Excel 模型：购买或租赁计算器

标题： Buy or Rent Calculator

 描述：

 

This spreadsheet helps users decide whether to buy or rent a property by comparing the costs and benefits of each option over a specified period. It includes sections for entering assumptions, summarizing costs, and detailed monthly mortgage calculations.

 

  • Assumptions and Summary: Enter key assumptions for renting and buying scenarios, including initial costs, rates, and property details. The summary provides a comparison of the total costs and savings for both scenarios.
  • Monthly Mortgage Calculation: Detailed monthly breakdown of mortgage payments, including principal, interest, maintenance, property tax, insurance, and other expenses.

 

建议/提示：
  • Assumptions and Summary:
    • Ensure all assumptions are accurate and reflect your financial situation.
    • Regularly update the assumptions as market conditions change.

  • Monthly Mortgage Calculation:
    • Review the monthly mortgage calculations to understand the distribution of expenses.
    • Use the monthly breakdown to plan your budget and manage cash flow.

 

来源： 自定义计算器

单击以下图标可在新选项卡中打开完整的工作簿查看器，让您轻松编辑和保存。

单击以下图标下载电子表格，您可以将文件与编辑内容一起保存在计算机上。

使用计算器的示例：

使用电子表格的详细示例： 用户需要完成的任务：

 

  1. Assumptions and Summary Section:
    • Enter key assumptions for renting and buying scenarios.
      • Example values: Initial Monthly Rent – $2,100, House Purchase Price – $510,000.

  2. Monthly Mortgage Calculation:
    • Enter details for monthly mortgage payments.
      • 示例值：
        • Mortgage Interest Rate: 3.49%
        • Maintenance %: 1.10%
        • Property Tax %: 0.86%
        • Insurance %: 0.23%
        • House Appreciation: 2.00%

交互式计算器为何有用：

This spreadsheet consolidates all information related to buying and renting in one place, making it easier to compare the financial implications of each option. By providing a clear view of costs and potential savings, it helps users make informed decisions about their housing strategy.

 

来源： 自定义电子表格

结论：

The Buy or Rent Calculator is an invaluable tool for evaluating the financial implications of buying versus renting a property. By providing a detailed and organized approach to recording and analyzing housing costs, it helps users achieve financial stability and make informed decisions about their housing strategy. Regular updates and reviews ensure that the strategy remains aligned with changing market conditions and financial goals.

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