完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
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winniepooh2018
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#4 Re: 完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
中国的很多事20多岁买房结婚吧？就算35退休，也相当于买房后10来年退休。美国40多岁买房，10来年之后也50多了，失业了害得等到60多才能领退休金。中国女的50就能领退休金了好像。
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tjhmfeixiang
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#7 Re: 完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
DIYer 写了： 昨天 21:35中国的很多事20多岁买房结婚吧？就算35退休，也相当于买房后10来年退休。美国40多岁买房，10来年之后也50多了，失业了害得等到60多才能领退休金。中国女的50就能领退休金了好像。
国企里女工人50退休，女干部55退休，男员工一律60退
但是已经修改了延长退休法
1977年出生的女工人需要在52岁退休
1987年出生女工人大约在56岁退休
同时，1977年出生男员工大概在62岁退休，1987年出生的男员工大约在65岁退休
#9 Re: 完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
tjhmfeixiang 写了： 昨天 21:41国企里女工人50退休，女干部55退休，男员工一律60退
但是已经修改了延长退休法
1977年出生的女工人需要在52岁退休
1987年出生女工人大约在56岁退休
同时，1977年出生男员工大概在62岁退休，1987年出生的男员工大约在65岁退休
This is what fixing affordability looks like folks.
Forget ever owning something, just be in debt forever!!
#11 Re: 完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
2个钱包和6个的差距
Hard times create strong men. Strong men create good times. Good times create weak men. And, weak men create hard times.
#12 Re: 完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
This idea is stupid. Here's why. The compounded interest for 50 years means the homeowner is paying multiple times the house price in interest alone, at today's rate, and really makes it only slightly more affordable. The only winner in this scenario is the banks.
Example - a 50 year mortgage for 400k at a 6% interest rate would result in approximately $1,000,000 in interest alone and a monthly payment of $2105, not including taxes and insurance. Whereas a 30 yr mortgage for 400k at 6% results in a monthly payment of $2398, not including taxes and insurance, and total interest paid of $463,000.
#13 Re: 完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
The worst thing you can do is to carry debt into your retirement when you’ll be drawing from 401ks or annuities with annual growth rates that are lower percentage than your mortgage interest rate. Do the math kids. This man is seriously dangerous to your financial health!
Even worse…You will never actually be able to retire. Most mortgages are structured in such a way that the bank collects most of the interest upfront ie, majority of your payment goes to interest, not your principal. It’s only after the halfway mark of the term that most of your payment goes towards actually paying off your house. So if you have a 50 year loan and end up selling your house after 25 years, you will not even have built up much equity unless your house value grew substantially. The bank collects the lions share of 25 years of payments, not you.
How are MAGA still thinking Cheeto is for the people? This is nakedly pro-bank.
#15 Re: 完了，太惨了：美国新房主年龄中位数竟然是 40，在中国这是考虑退休的年龄了，LOL
trump is an a-hole who is destroying america. making america starve again. of course except him and his oligarch friends.
MAGA is getting shafted and they ask for more.
