买房和租房，哪个更好？【TED-Ed 科普】
共 3 集
剧集目录
| 集 | 标题 | 时长 |
|---|---|---|
| P1 | 买房和租房，哪个更好？【TED-Ed 科普】 中英双语 | 5:38 |
| P2 | 买房和租房，哪个更好？【TED-Ed 科普】 英文字幕(注释 | 5:38 |
| P3 | 买房和租房，哪个更好？【TED-Ed 科普】 无字幕(中英外 | 5:38 |
P1 · 买房和租房，哪个更好？【TED-Ed 科普】 p01 中英双语 (P1)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | Morgan and her twin sister Lisa have been inseparable since birth, | 摩根和她的双胞胎妹妹丽莎 出生后就一直不可分割 |
| 0:05 | so nobody was surprised when they moved into identical houses | 所以没有人会惊讶 当他们搬进相同的房子 |
| 0:10 | right next to each other. | 紧挨着对方。 |
| 0:12 | The only difference? | 唯一的区别? |
| 0:13 | Morgan bought her house while Lisa is renting hers. | Morgan在Lisa租房的时候买了她的房子 |
| 0:17 | For generations, conventional wisdom has been that home ownership | 世代相传的智慧就是拥有房屋 |
| 0:22 | is financially better than renting. | 经济上比租房好 |
| 0:24 | But let's follow the twins and see how things play out over the years | 但让我们跟着双胞胎 看看这几年里事情如何发展 |
| 0:29 | based on historical trends in the U.S. | 基于美国历史趋势. |
| 0:33 | As Morgan and Lisa move into their two-bedroom houses, | 当摩根和丽莎搬进他们的两间房时 |
展开字幕全文（79 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | Morgan and her twin sister Lisa have been inseparable since birth, | 摩根和她的双胞胎妹妹丽莎 出生后就一直不可分割 |
| 2 | so nobody was surprised when they moved into identical houses | 所以没有人会惊讶 当他们搬进相同的房子 |
| 3 | right next to each other. | 紧挨着对方。 |
| 4 | The only difference? | 唯一的区别? |
| 5 | Morgan bought her house while Lisa is renting hers. | Morgan在Lisa租房的时候买了她的房子 |
| 6 | For generations, conventional wisdom has been that home ownership | 世代相传的智慧就是拥有房屋 |
| 7 | is financially better than renting. | 经济上比租房好 |
| 8 | But let's follow the twins and see how things play out over the years | 但让我们跟着双胞胎 看看这几年里事情如何发展 |
| 9 | based on historical trends in the U.S. | 基于美国历史趋势. |
| 10 | As Morgan and Lisa move into their two-bedroom houses, | 当摩根和丽莎搬进他们的两间房时 |
| 11 | their upfront costs look a little different. | 他们的前期费用看起来有点不同 |
| 12 | Morgan buys her house for $400,000. | 摩根以40万美元买下她的房子. |
| 13 | Like most buyers, she takes out a mortgage— | 和大多数买家一样,她还贷款 |
| 14 | a loan that she'll pay back to a lender over time, with interest. | 一笔贷款,她会偿还 贷款人一段时间,并利息。 |
| 15 | For this, she needs to make a down payment— | 为此,她需要支付定金... |
| 16 | a lump sum that's some percentage of the total home price. | 一次总付,相当于房价总额的一定百分比。 |
| 17 | Between Morgan's 10% down payment and a few extra fees, | 在摩根10%的首付和几笔额外费用之间 |
| 18 | known as closing costs, Morgan spends a total of $50,000. | 摩根总花费5万美金 |
| 19 | Next door, Lisa signs a 12-month lease to rent her house for $1,800 a month. | 隔壁,莉莎签了12个月的租约,租她的房子每月1800美元. |
| 20 | To get her keys, she'll also pay a security deposit, | 为了得到她的钥匙, 她也会支付一笔押金, |
| 21 | bringing her total to $3,600— | 使她的总数达到3600美元... |
| 22 | just a fraction of Morgan's payment. | 只是摩根的一小部分钱 |
| 23 | Five years in, Morgan and Lisa have added a few more members to the family. | 五年后,摩根和丽莎又增加了几个家庭成员. |
| 24 | Lisa's rent has been steadily climbing, about 2% every year. | 丽莎的租金持续攀升,每年约2%. |
| 25 | Her monthly rent is now over $2,000, including a new pet fee. | 她的月租金现在超过2000美元,包括新的宠物费. |
| 26 | This brings her five-year total to around $112,000. | 这使她五年的总费用达到112,000美元左右。 |
| 27 | Meanwhile, Morgan's still paying off her mortgage— | 同时 Morgan还在偿还她的抵押贷款... |
| 28 | a 30-year loan with a fixed interest rate of 6%. | a 30年贷款,固定利率为6%。 |
| 29 | This type of long-term fixed-rate loan is common in the U.S., | 这种类型的长期固定利率贷款在美国很常见,,. |
| 30 | though loans with adjustable rates over shorter periods | 而在较短时期内可调整利率的贷款 |
| 31 | are much more typical in the rest of the world. | 更典型的是 在世界其他地方。 |
| 32 | Longer mortgages lower monthly payments by spreading them over an extended period. | 较长的抵押贷款通过在较长的时间内进行分配来降低月付款。 |
| 33 | Morgan's monthly total, including taxes and insurance, | 摩根的月总额,包括税收和保险, |
| 34 | is around $2,500 per month. | 每月约2 500美元。 |
| 35 | But a large fraction of early payments goes towards interest. | 但很大部分的早期付款都用于利息。 |
| 36 | So five years in, she's spent $150,000 on her property— | 所以五年后,她花了15万块在她的财产上... |
| 37 | $38,000 more than Lisa. | 比丽莎多38000美元. |
| 38 | Despite this, she's only chipped about $25,000 off her mortgage. | 尽管如此,她只从她的抵押贷款中抽出约25,000美元. |
| 39 | The good news for Morgan is that the market has changed, | 摩根的好消息是市场已经变了 |
| 40 | and interest rates have dropped, allowing her to refinance. | 利率下降 让她可以再融资 |
| 41 | Basically, she takes out a new mortgage at the lower interest rate | 基本上,她以较低的利率 拿出新的抵押贷款 |
| 42 | to replace her old one. | 替换她的旧的。 |
| 43 | Her new rate is 5%, bringing her total monthly cost down to around $2,300. | 她的新费率是5%,使她每月的总费用下降到约2300美元. |
| 44 | Fifteen years in, Lisa's rent now exceeds Morgan's monthly payments. | 15年后,丽莎的租金现在超过了摩根的每月付款. |
| 45 | But this isn't the only cost to consider. | 但这不是唯一的代价 |
| 46 | During an intense storm season, flash floods hit their neighborhood. | 在强烈的风暴季节,山洪袭击了他们的社区. |
| 47 | As a homeowner, Morgan pays for repairs, | 作为房主,摩根支付修理费, |
| 48 | while Lisa lets her landlord handle everything. | 丽莎让房东处理一切 |
| 49 | At this point, Morgan has spent over $500,000 on her house, | 此时,摩根已经花费了50万多美元 在她的房子, |
| 50 | while Lisa has paid around $380,000. | 而丽莎已经支付了约38万。 |
| 51 | After 30 years, Morgan is finally done paying off her mortgage. | 30年后,摩根终于付清她的抵押贷款. |
| 52 | To get there, she's spent about $1 million, | 为了到达那里,她花了约100万美金, |
| 53 | including the price of the house, interest, taxes, and insurance. | 包括房屋价格、利息、税收和保险。 |
| 54 | But she's also had to pay for repairs and upkeep, | 但她还得付修理费和保养费 |
| 55 | bringing her total to $1.4 million. | 让她的总额达到140万 |
| 56 | Meanwhile, Lisa's rent is now $3,300 a month, | 同时,丽莎的租金现在是每月3300美元 |
| 57 | and she's spent around $900,000 in rent. | 她花了大约90万元的租金 |
| 58 | But before we calculate final tallies, there's one more cost to consider— | 但是在计算最终统计数之前 还有一件要考虑 |
| 59 | opportunity cost. | 机会成本。 |
| 60 | When Morgan chose to spend $40,000 on a down payment, | 当摩根选择花40000美元支付定金时, |
| 61 | she missed out on putting that $40,000 into a stable, diversified retirement account. | 她错过了把那40,000美元 在一个稳定,多样化的退休账户。 |
| 62 | That's what Lisa did, and it's grown into $500,000. | 丽萨就是这样做的,后来发展到50万元. |
| 63 | Morgan's not sweating it, because her home turned out to be a pretty good investment, | Morgan没出汗 因为她的家投资不错 |
| 64 | as it's now worth $1.3 million. | 因为它现在价值130万美元。 |
| 65 | In the end, Morgan spent $1.4 million on a $1.3 million house, | 最后,摩根花了140万美元 在一个130万美元的房子, |
| 66 | putting her at a loss of $100,000. | 让她损失10万美元。 |
| 67 | Lisa spent $900,000 in rent, but made $460,000 in investments, | 丽莎花了90万美金的租金, 但投资46万美元, |
| 68 | putting her at a total loss of $440,000. | 让她损失了44万元 |
| 69 | In this situation, Morgan came out on top. | 在这种情况下,摩根登顶. |
| 70 | Plus, she's paid off her mortgage, so she only needs to pay taxes, | 而且她还清了抵押贷款 所以她只需要交税 |
| 71 | insurance, and maintenance costs going forward. | 保险和保养费用。 |
| 72 | But Lisa won out in other ways. | 但丽莎以其他方式获胜. |
| 73 | She had lower monthly expenses for over 10 years, | 她的月支出减少 超过10年, |
| 74 | which allowed her to spend on hobbies and travel. | 这使得她可以花 在爱好和旅行。 |
| 75 | In another scenario, she might have put that extra cash into retirement | 在另一种情况下,她可能把额外现金用于退休 |
| 76 | or investments and allowed it to grow. | 或投资,并允许它增长。 |
| 77 | And Lisa wasn't tied to one location. | 丽莎没有被绑在一个地方 |
| 78 | In fact, she just got a job opportunity in a new city | 事实上,她刚刚在新城市找到了工作机会 |
| 79 | and is finally feeling ready to branch out. | 终于准备好分头行动了 |
该视频共有字幕 79 条。解锁更多字幕为会员功能，请移动到 价格
P2 · 买房和租房，哪个更好？【TED-Ed 科普】 p02 英文字幕(注释+中文外挂) (P2)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | Morgan and her twin sister Lisa have been inseparable since birth, | 摩根和她的双胞胎妹妹丽莎 出生后就一直不可分割 |
| 0:05 | so nobody was surprised when they moved into identical houses | 所以没有人会惊讶 当他们搬进相同的房子 |
| 0:10 | right next to each other. | 紧挨着对方。 |
| 0:12 | The only difference? | 唯一的区别? |
| 0:13 | Morgan bought her house while Lisa is renting hers. | Morgan在Lisa租房的时候买了她的房子 |
| 0:17 | For generations, conventional wisdom has been that home ownership | 世代相传的智慧就是拥有房屋 |
| 0:22 | is financially better than renting. | 经济上比租房好 |
| 0:24 | But let's follow the twins and see how things play out over the years | 但让我们跟着双胞胎 看看这几年里事情如何发展 |
| 0:29 | based on historical trends in the U.S. | 基于美国历史趋势. |
| 0:33 | As Morgan and Lisa move into their two-bedroom houses, | 当摩根和丽莎搬进他们的两间房时 |
展开字幕全文（79 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | Morgan and her twin sister Lisa have been inseparable since birth, | 摩根和她的双胞胎妹妹丽莎 出生后就一直不可分割 |
| 2 | so nobody was surprised when they moved into identical houses | 所以没有人会惊讶 当他们搬进相同的房子 |
| 3 | right next to each other. | 紧挨着对方。 |
| 4 | The only difference? | 唯一的区别? |
| 5 | Morgan bought her house while Lisa is renting hers. | Morgan在Lisa租房的时候买了她的房子 |
| 6 | For generations, conventional wisdom has been that home ownership | 世代相传的智慧就是拥有房屋 |
| 7 | is financially better than renting. | 经济上比租房好 |
| 8 | But let's follow the twins and see how things play out over the years | 但让我们跟着双胞胎 看看这几年里事情如何发展 |
| 9 | based on historical trends in the U.S. | 基于美国历史趋势. |
| 10 | As Morgan and Lisa move into their two-bedroom houses, | 当摩根和丽莎搬进他们的两间房时 |
| 11 | their upfront costs look a little different. | 他们的前期费用看起来有点不同 |
| 12 | Morgan buys her house for $400,000. | 摩根以40万美元买下她的房子. |
| 13 | Like most buyers, she takes out a mortgage— | 和大多数买家一样,她还贷款 |
| 14 | a loan that she'll pay back to a lender over time, with interest. | 一笔贷款,她会偿还 贷款人一段时间,并利息。 |
| 15 | For this, she needs to make a down payment— | 为此,她需要支付定金... |
| 16 | a lump sum that's some percentage of the total home price. | 一次总付,相当于房价总额的一定百分比。 |
| 17 | Between Morgan's 10% down payment and a few extra fees, | 在摩根10%的首付和几笔额外费用之间 |
| 18 | known as closing costs, Morgan spends a total of $50,000. | 摩根总花费5万美金 |
| 19 | Next door, Lisa signs a 12-month lease to rent her house for $1,800 a month. | 隔壁,莉莎签了12个月的租约,租她的房子每月1800美元. |
| 20 | To get her keys, she'll also pay a security deposit, | 为了得到她的钥匙, 她也会支付一笔押金, |
| 21 | bringing her total to $3,600— | 使她的总数达到3600美元... |
| 22 | just a fraction of Morgan's payment. | 只是摩根的一小部分钱 |
| 23 | Five years in, Morgan and Lisa have added a few more members to the family. | 五年后,摩根和丽莎又增加了几个家庭成员. |
| 24 | Lisa's rent has been steadily climbing, about 2% every year. | 丽莎的租金持续攀升,每年约2%. |
| 25 | Her monthly rent is now over $2,000, including a new pet fee. | 她的月租金现在超过2000美元,包括新的宠物费. |
| 26 | This brings her five-year total to around $112,000. | 这使她五年的总费用达到112,000美元左右。 |
| 27 | Meanwhile, Morgan's still paying off her mortgage— | 同时 Morgan还在偿还她的抵押贷款... |
| 28 | a 30-year loan with a fixed interest rate of 6%. | a 30年贷款,固定利率为6%。 |
| 29 | This type of long-term fixed-rate loan is common in the U.S., | 这种类型的长期固定利率贷款在美国很常见,,. |
| 30 | though loans with adjustable rates over shorter periods | 而在较短时期内可调整利率的贷款 |
| 31 | are much more typical in the rest of the world. | 更典型的是 在世界其他地方。 |
| 32 | Longer mortgages lower monthly payments by spreading them over an extended period. | 较长的抵押贷款通过在较长的时间内进行分配来降低月付款。 |
| 33 | Morgan's monthly total, including taxes and insurance, | 摩根的月总额,包括税收和保险, |
| 34 | is around $2,500 per month. | 每月约2 500美元。 |
| 35 | But a large fraction of early payments goes towards interest. | 但很大部分的早期付款都用于利息。 |
| 36 | So five years in, she's spent $150,000 on her property— | 所以五年后,她花了15万块在她的财产上... |
| 37 | $38,000 more than Lisa. | 比丽莎多38000美元. |
| 38 | Despite this, she's only chipped about $25,000 off her mortgage. | 尽管如此,她只从她的抵押贷款中抽出约25,000美元. |
| 39 | The good news for Morgan is that the market has changed, | 摩根的好消息是市场已经变了 |
| 40 | and interest rates have dropped, allowing her to refinance. | 利率下降 让她可以再融资 |
| 41 | Basically, she takes out a new mortgage at the lower interest rate | 基本上,她以较低的利率 拿出新的抵押贷款 |
| 42 | to replace her old one. | 替换她的旧的。 |
| 43 | Her new rate is 5%, bringing her total monthly cost down to around $2,300. | 她的新费率是5%,使她每月的总费用下降到约2300美元. |
| 44 | Fifteen years in, Lisa's rent now exceeds Morgan's monthly payments. | 15年后,丽莎的租金现在超过了摩根的每月付款. |
| 45 | But this isn't the only cost to consider. | 但这不是唯一的代价 |
| 46 | During an intense storm season, flash floods hit their neighborhood. | 在强烈的风暴季节,山洪袭击了他们的社区. |
| 47 | As a homeowner, Morgan pays for repairs, | 作为房主,摩根支付修理费, |
| 48 | while Lisa lets her landlord handle everything. | 丽莎让房东处理一切 |
| 49 | At this point, Morgan has spent over $500,000 on her house, | 此时,摩根已经花费了50万多美元 在她的房子, |
| 50 | while Lisa has paid around $380,000. | 而丽莎已经支付了约38万。 |
| 51 | After 30 years, Morgan is finally done paying off her mortgage. | 30年后,摩根终于付清她的抵押贷款. |
| 52 | To get there, she's spent about $1 million, | 为了到达那里,她花了约100万美金, |
| 53 | including the price of the house, interest, taxes, and insurance. | 包括房屋价格、利息、税收和保险。 |
| 54 | But she's also had to pay for repairs and upkeep, | 但她还得付修理费和保养费 |
| 55 | bringing her total to $1.4 million. | 让她的总额达到140万 |
| 56 | Meanwhile, Lisa's rent is now $3,300 a month, | 同时,丽莎的租金现在是每月3300美元 |
| 57 | and she's spent around $900,000 in rent. | 她花了大约90万元的租金 |
| 58 | But before we calculate final tallies, there's one more cost to consider— | 但是在计算最终统计数之前 还有一件要考虑 |
| 59 | opportunity cost. | 机会成本。 |
| 60 | When Morgan chose to spend $40,000 on a down payment, | 当摩根选择花40000美元支付定金时, |
| 61 | she missed out on putting that $40,000 into a stable, diversified retirement account. | 她错过了把那40,000美元 在一个稳定,多样化的退休账户。 |
| 62 | That's what Lisa did, and it's grown into $500,000. | 丽萨就是这样做的,后来发展到50万元. |
| 63 | Morgan's not sweating it, because her home turned out to be a pretty good investment, | Morgan没出汗 因为她的家投资不错 |
| 64 | as it's now worth $1.3 million. | 因为它现在价值130万美元。 |
| 65 | In the end, Morgan spent $1.4 million on a $1.3 million house, | 最后,摩根花了140万美元 在一个130万美元的房子, |
| 66 | putting her at a loss of $100,000. | 让她损失10万美元。 |
| 67 | Lisa spent $900,000 in rent, but made $460,000 in investments, | 丽莎花了90万美金的租金, 但投资46万美元, |
| 68 | putting her at a total loss of $440,000. | 让她损失了44万元 |
| 69 | In this situation, Morgan came out on top. | 在这种情况下,摩根登顶. |
| 70 | Plus, she's paid off her mortgage, so she only needs to pay taxes, | 而且她还清了抵押贷款 所以她只需要交税 |
| 71 | insurance, and maintenance costs going forward. | 保险和保养费用。 |
| 72 | But Lisa won out in other ways. | 但丽莎以其他方式获胜. |
| 73 | She had lower monthly expenses for over 10 years, | 她的月支出减少 超过10年, |
| 74 | which allowed her to spend on hobbies and travel. | 这使得她可以花 在爱好和旅行。 |
| 75 | In another scenario, she might have put that extra cash into retirement | 在另一种情况下,她可能把额外现金用于退休 |
| 76 | or investments and allowed it to grow. | 或投资,并允许它增长。 |
| 77 | And Lisa wasn't tied to one location. | 丽莎没有被绑在一个地方 |
| 78 | In fact, she just got a job opportunity in a new city | 事实上,她刚刚在新城市找到了工作机会 |
| 79 | and is finally feeling ready to branch out. | 终于准备好分头行动了 |
该视频共有字幕 79 条。解锁更多字幕为会员功能，请移动到 价格
P3 · 买房和租房，哪个更好？【TED-Ed 科普】 p03 无字幕(中英外挂) (P3)
字幕摘录
| 时间 | 英文 | 中文 |
|---|---|---|
| 0:00 | Morgan and her twin sister Lisa have been inseparable since birth, | 摩根和她的双胞胎妹妹丽莎 出生后就一直不可分割 |
| 0:05 | so nobody was surprised when they moved into identical houses | 所以没有人会惊讶 当他们搬进相同的房子 |
| 0:10 | right next to each other. | 紧挨着对方。 |
| 0:12 | The only difference? | 唯一的区别? |
| 0:13 | Morgan bought her house while Lisa is renting hers. | Morgan在Lisa租房的时候买了她的房子 |
| 0:17 | For generations, conventional wisdom has been that home ownership | 世代相传的智慧就是拥有房屋 |
| 0:22 | is financially better than renting. | 经济上比租房好 |
| 0:24 | But let's follow the twins and see how things play out over the years | 但让我们跟着双胞胎 看看这几年里事情如何发展 |
| 0:29 | based on historical trends in the U.S. | 基于美国历史趋势. |
| 0:33 | As Morgan and Lisa move into their two-bedroom houses, | 当摩根和丽莎搬进他们的两间房时 |
展开字幕全文（79 条）
| 序号 | 英文 | 中文 |
|---|---|---|
| 1 | Morgan and her twin sister Lisa have been inseparable since birth, | 摩根和她的双胞胎妹妹丽莎 出生后就一直不可分割 |
| 2 | so nobody was surprised when they moved into identical houses | 所以没有人会惊讶 当他们搬进相同的房子 |
| 3 | right next to each other. | 紧挨着对方。 |
| 4 | The only difference? | 唯一的区别? |
| 5 | Morgan bought her house while Lisa is renting hers. | Morgan在Lisa租房的时候买了她的房子 |
| 6 | For generations, conventional wisdom has been that home ownership | 世代相传的智慧就是拥有房屋 |
| 7 | is financially better than renting. | 经济上比租房好 |
| 8 | But let's follow the twins and see how things play out over the years | 但让我们跟着双胞胎 看看这几年里事情如何发展 |
| 9 | based on historical trends in the U.S. | 基于美国历史趋势. |
| 10 | As Morgan and Lisa move into their two-bedroom houses, | 当摩根和丽莎搬进他们的两间房时 |
| 11 | their upfront costs look a little different. | 他们的前期费用看起来有点不同 |
| 12 | Morgan buys her house for $400,000. | 摩根以40万美元买下她的房子. |
| 13 | Like most buyers, she takes out a mortgage— | 和大多数买家一样,她还贷款 |
| 14 | a loan that she'll pay back to a lender over time, with interest. | 一笔贷款,她会偿还 贷款人一段时间,并利息。 |
| 15 | For this, she needs to make a down payment— | 为此,她需要支付定金... |
| 16 | a lump sum that's some percentage of the total home price. | 一次总付,相当于房价总额的一定百分比。 |
| 17 | Between Morgan's 10% down payment and a few extra fees, | 在摩根10%的首付和几笔额外费用之间 |
| 18 | known as closing costs, Morgan spends a total of $50,000. | 摩根总花费5万美金 |
| 19 | Next door, Lisa signs a 12-month lease to rent her house for $1,800 a month. | 隔壁,莉莎签了12个月的租约,租她的房子每月1800美元. |
| 20 | To get her keys, she'll also pay a security deposit, | 为了得到她的钥匙, 她也会支付一笔押金, |
| 21 | bringing her total to $3,600— | 使她的总数达到3600美元... |
| 22 | just a fraction of Morgan's payment. | 只是摩根的一小部分钱 |
| 23 | Five years in, Morgan and Lisa have added a few more members to the family. | 五年后,摩根和丽莎又增加了几个家庭成员. |
| 24 | Lisa's rent has been steadily climbing, about 2% every year. | 丽莎的租金持续攀升,每年约2%. |
| 25 | Her monthly rent is now over $2,000, including a new pet fee. | 她的月租金现在超过2000美元,包括新的宠物费. |
| 26 | This brings her five-year total to around $112,000. | 这使她五年的总费用达到112,000美元左右。 |
| 27 | Meanwhile, Morgan's still paying off her mortgage— | 同时 Morgan还在偿还她的抵押贷款... |
| 28 | a 30-year loan with a fixed interest rate of 6%. | a 30年贷款,固定利率为6%。 |
| 29 | This type of long-term fixed-rate loan is common in the U.S., | 这种类型的长期固定利率贷款在美国很常见,,. |
| 30 | though loans with adjustable rates over shorter periods | 而在较短时期内可调整利率的贷款 |
| 31 | are much more typical in the rest of the world. | 更典型的是 在世界其他地方。 |
| 32 | Longer mortgages lower monthly payments by spreading them over an extended period. | 较长的抵押贷款通过在较长的时间内进行分配来降低月付款。 |
| 33 | Morgan's monthly total, including taxes and insurance, | 摩根的月总额,包括税收和保险, |
| 34 | is around $2,500 per month. | 每月约2 500美元。 |
| 35 | But a large fraction of early payments goes towards interest. | 但很大部分的早期付款都用于利息。 |
| 36 | So five years in, she's spent $150,000 on her property— | 所以五年后,她花了15万块在她的财产上... |
| 37 | $38,000 more than Lisa. | 比丽莎多38000美元. |
| 38 | Despite this, she's only chipped about $25,000 off her mortgage. | 尽管如此,她只从她的抵押贷款中抽出约25,000美元. |
| 39 | The good news for Morgan is that the market has changed, | 摩根的好消息是市场已经变了 |
| 40 | and interest rates have dropped, allowing her to refinance. | 利率下降 让她可以再融资 |
| 41 | Basically, she takes out a new mortgage at the lower interest rate | 基本上,她以较低的利率 拿出新的抵押贷款 |
| 42 | to replace her old one. | 替换她的旧的。 |
| 43 | Her new rate is 5%, bringing her total monthly cost down to around $2,300. | 她的新费率是5%,使她每月的总费用下降到约2300美元. |
| 44 | Fifteen years in, Lisa's rent now exceeds Morgan's monthly payments. | 15年后,丽莎的租金现在超过了摩根的每月付款. |
| 45 | But this isn't the only cost to consider. | 但这不是唯一的代价 |
| 46 | During an intense storm season, flash floods hit their neighborhood. | 在强烈的风暴季节,山洪袭击了他们的社区. |
| 47 | As a homeowner, Morgan pays for repairs, | 作为房主,摩根支付修理费, |
| 48 | while Lisa lets her landlord handle everything. | 丽莎让房东处理一切 |
| 49 | At this point, Morgan has spent over $500,000 on her house, | 此时,摩根已经花费了50万多美元 在她的房子, |
| 50 | while Lisa has paid around $380,000. | 而丽莎已经支付了约38万。 |
| 51 | After 30 years, Morgan is finally done paying off her mortgage. | 30年后,摩根终于付清她的抵押贷款. |
| 52 | To get there, she's spent about $1 million, | 为了到达那里,她花了约100万美金, |
| 53 | including the price of the house, interest, taxes, and insurance. | 包括房屋价格、利息、税收和保险。 |
| 54 | But she's also had to pay for repairs and upkeep, | 但她还得付修理费和保养费 |
| 55 | bringing her total to $1.4 million. | 让她的总额达到140万 |
| 56 | Meanwhile, Lisa's rent is now $3,300 a month, | 同时,丽莎的租金现在是每月3300美元 |
| 57 | and she's spent around $900,000 in rent. | 她花了大约90万元的租金 |
| 58 | But before we calculate final tallies, there's one more cost to consider— | 但是在计算最终统计数之前 还有一件要考虑 |
| 59 | opportunity cost. | 机会成本。 |
| 60 | When Morgan chose to spend $40,000 on a down payment, | 当摩根选择花40000美元支付定金时, |
| 61 | she missed out on putting that $40,000 into a stable, diversified retirement account. | 她错过了把那40,000美元 在一个稳定,多样化的退休账户。 |
| 62 | That's what Lisa did, and it's grown into $500,000. | 丽萨就是这样做的,后来发展到50万元. |
| 63 | Morgan's not sweating it, because her home turned out to be a pretty good investment, | Morgan没出汗 因为她的家投资不错 |
| 64 | as it's now worth $1.3 million. | 因为它现在价值130万美元。 |
| 65 | In the end, Morgan spent $1.4 million on a $1.3 million house, | 最后,摩根花了140万美元 在一个130万美元的房子, |
| 66 | putting her at a loss of $100,000. | 让她损失10万美元。 |
| 67 | Lisa spent $900,000 in rent, but made $460,000 in investments, | 丽莎花了90万美金的租金, 但投资46万美元, |
| 68 | putting her at a total loss of $440,000. | 让她损失了44万元 |
| 69 | In this situation, Morgan came out on top. | 在这种情况下,摩根登顶. |
| 70 | Plus, she's paid off her mortgage, so she only needs to pay taxes, | 而且她还清了抵押贷款 所以她只需要交税 |
| 71 | insurance, and maintenance costs going forward. | 保险和保养费用。 |
| 72 | But Lisa won out in other ways. | 但丽莎以其他方式获胜. |
| 73 | She had lower monthly expenses for over 10 years, | 她的月支出减少 超过10年, |
| 74 | which allowed her to spend on hobbies and travel. | 这使得她可以花 在爱好和旅行。 |
| 75 | In another scenario, she might have put that extra cash into retirement | 在另一种情况下,她可能把额外现金用于退休 |
| 76 | or investments and allowed it to grow. | 或投资,并允许它增长。 |
| 77 | And Lisa wasn't tied to one location. | 丽莎没有被绑在一个地方 |
| 78 | In fact, she just got a job opportunity in a new city | 事实上,她刚刚在新城市找到了工作机会 |
| 79 | and is finally feeling ready to branch out. | 终于准备好分头行动了 |
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