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买房3大迷思/陷阱 3 myths/traps of buying a house
如果你有置产的打算，我相信你多少都会被告诫说：”小心被骗！！“ 所以，赶快来看看市面上存在着哪些话术跟迷思！！
If you’re in the market to buy a house, we’re sure you’ve heard of at least one of these myths or traps. Don’t fall for them and make sure you are familiar with what are the true real estate trends!
一、买比租划算
一些租户会觉得租不如买的诉求，以省下大笔租金，买下产业，实际上往往会是陷进重重。如果以银行可贷款的款项为例，再从租金推算可以购买的房价，租户每月需缴付的贷款款项远远超过目前的房租水准则不划算。
First, buying is more cheaper than renting
Some tenants will feel that renting has a lower demand compared to buying, so in order to save on rent they choose to buy the property. In reality, it would often result in many small traps. For example, let's take the amount that the bank can lend, and the average price of the rent for the house, you will find that the tenant would have to pay more for the monthly loan compared to the rent.
二、房价只会涨
很多人忘记了只要有通货膨胀存在，房价就会出现只涨不跌的假象。所以房产业不是最佳的抗通膨工具。
Second, house prices continue to rise
Many people forget that as long as there is inflation, house prices will appear to rise and not fall. So the real estate industry is not the best tool to monitor inflation.
三、房子卖不出，转为租一样划算
沒錯，擁有一間屬於自己的「家」，是每一個人夢寐以求的人生目標；在衡量個人的財務能力之下，客觀地看待「买房」這件人生大事，毕竟这属于一个比较大的投资，以资金及自身的赚钱能力来应付可能会面对的问题，例如没有租户/以低租金吸引租客，大环境的改变，市场/政局的稳定性，会否影响付贷款的能力。不輕易讓自己高負債纏身，影響了個人的生涯規劃、下一代的子女教育，以及整體家庭的良好生活品質。
Third, if the house can’t be sold, just rent it out
Yes, having a home of their own, is everyone's dream. Considering personal financial ability, look at it objectively, after all this is a relatively large investment that comes with funds to cope with and financial problems may arise. For example, the absence of tenants, charging low rent to attract tenants, changes in the environment, market or political stability will affect your ability to pay loans. Don’t allow yourself to be in high debt, this will affect your career, the education of your children, and the overall quality of life for your whole family.