更公平一点： 每年充值7400. A可以达到收支平衡。A：920万 B：8米

A最后920万

 

Plan A
20 Years Ago: Year 1998			Interest Rate		6.00%	Now Year 2018
House price		200000	House Price Growth Rate		8.4%	House price	1000000
Rent		1000	Rent Growth Rate		6.0%	Rent	3200
Yearly W2 cash for investment		7400	W2 growth rate		-1.0%
Cash on hand		40000	Maintenance cost of house price		3.0%
			Management fee		7.0%	Leasing fee of rent	70.0%
Year	# House Had	House Price	Down Payment	Rent	Mortgage/mo	Insurance, tax, vacancy, management /mo	Cash flow/mo	Cash flow/ye	W2 cash	Total cash	Buy House Next Year?	Principe paid	Net Worth
1	1	$200,000	40000	1000	($959)	($628)	($588)	($7,051)	7400	349	FALSE	2024	$42,372
2	1	$216,760	43352	1060	($959)	($678)	($577)	($6,928)	7326	747	FALSE	2145	$61,676
3	1	$234,924	46985	1123	($959)	($731)	($567)	($6,809)	7253	1191	FALSE	2274	$82,558
4	1	$254,610	50922	1191	($959)	($789)	($558)	($6,696)	7180	1675	FALSE	2410	$105,139
5	1	$275,946	55189	1262	($959)	($852)	($549)	($6,590)	7108	2193	FALSE	2555	$129,548
6	1	$299,070	59814	1337	($959)	($919)	($541)	($6,493)	7037	2737	FALSE	2708	$155,924
7	1	$324,131	64826	1418	($959)	($992)	($534)	($6,408)	6967	3297	FALSE	2871	$184,416
8	1	$351,293	70259	1502	($959)	($1,071)	($528)	($6,334)	6897	3860	FALSE	3043	$215,183
9	1	$380,731	76146	1592	($959)	($1,156)	($523)	($6,276)	6828	4411	FALSE	3226	$248,399
10	1	$412,635	82527	1688	($959)	($1,248)	($520)	($6,236)	6760	4935	FALSE	3419	$284,246
11	1	$447,214	89443	1789	($959)	($1,348)	($518)	($6,216)	6692	5411	FALSE	3624	$322,925
12	1	$484,689	96938	1896	($959)	($1,455)	($518)	($6,220)	6626	5817	FALSE	3842	$364,648
13	1	$525,306	105061	2010	($959)	($1,571)	($521)	($6,251)	6559	6125	FALSE	4072	$409,645
14	1	$569,325	113865	2130	($959)	($1,697)	($526)	($6,313)	6494	6306	FALSE	4317	$458,162
15	1	$617,034	123407	2257	($959)	($1,832)	($534)	($6,410)	6429	6324	FALSE	4576	$510,464
16	1	$668,740	133748	2393	($959)	($1,979)	($546)	($6,547)	6364	6141	FALSE	4850	$566,838
17	1	$724,780	144956	2536	($959)	($2,137)	($561)	($6,730)	6301	5712	FALSE	5141	$627,590
18	1	$785,515	157103	2688	($959)	($2,309)	($580)	($6,964)	6238	4986	FALSE	5450	$693,049
19	1	$851,340	170268	2849	($959)	($2,494)	($605)	($7,255)	6175	3906	FALSE	5777	$763,571
20	1	$922,681	184536	3019	($959)	($2,694)	($634)	($7,611)	6114	2409	FALSE	6123	$839,538
21	1	$1,000,000	200000	3200	($959)	($2,911)	($670)	($8,039)	6053	422	FALSE	6491	$921,361

 

Plan B
20 Years Ago: Year 1998			Interest Rate		6.50%	Now Year 2018
House price		60000	House Price Growth Rate		4.7%	House price	150000
Rent		600	Rent Growth Rate		4.7%	Rent	1500
Yearly W2 cash for investment		7400	W2 growth rate		-1.0%
Cash on hand		40000	Maintenance cost of house price		4.0%
			Management fee of rent		7.0%	Leasing fee of rent	70.0%
Year	# House Had	House Price	Down Payment	Rent	Mortgage/mo	Insurance, tax, vacancy, management /mo	Cash flow/mo	Cash flow/ye	W2 cash	Total cash	Buy House Next Year?	Principe paid	Net Worth
1	3	$60,000	12000	1800	($910)	($831)	$59	$706	7400	12106	FALSE	1667	$49,773
2	3	$62,813	12563	1884	($910)	($870)	$104	$1,251	7326	20683	TRUE	1776	$68,564
3	4	$65,757	13151	2630	($1,243)	($1,214)	$173	$2,080	7253	16864	TRUE	2521	$141,858
4	5	$68,840	13768	3442	($1,591)	($1,589)	$262	$3,146	7180	13422	FALSE	3356	$222,943
5	5	$72,067	14413	3603	($1,591)	($1,664)	$349	$4,188	7108	24719	TRUE	3575	$253,951
6	6	$75,446	15089	4527	($1,972)	($2,090)	$465	$5,576	7037	22242	TRUE	4568	$348,382
7	7	$78,983	15797	5529	($2,372)	($2,552)	$605	$7,256	6967	20669	TRUE	5676	$452,689
8	8	$82,686	16537	6615	($2,790)	($3,054)	$771	$9,255	6897	20284	TRUE	6909	$567,817
9	9	$86,562	17312	7791	($3,227)	($3,597)	$966	$11,598	6828	21398	TRUE	8277	$694,781
10	10	$90,620	18124	9062	($3,686)	($4,184)	$1,193	$14,312	6760	24346	TRUE	9795	$834,666
11	11	$94,868	18974	10436	($4,165)	($4,818)	$1,452	$17,429	6692	29493	TRUE	11475	$988,640
12	12	$99,316	19863	11918	($4,668)	($5,502)	$1,748	$20,979	6626	37234	TRUE	13332	$1,157,950
13	13	$103,972	20794	13516	($5,193)	($6,240)	$2,083	$24,996	6559	47995	TRUE	15381	$1,343,935
14	15	$108,846	21769	16327	($6,294)	($7,538)	$2,495	$29,943	6494	62662	TRUE	18901	$1,658,560
15	17	$113,949	22790	19371	($7,446)	($8,943)	$2,982	$35,781	6429	82082	TRUE	22814	$2,005,232
16	20	$119,291	23858	23858	($9,256)	($11,014)	$3,588	$43,051	6364	107639	TRUE	28584	$2,508,058
17	24	$124,883	24977	29972	($11,782)	($13,837)	$4,353	$52,235	6301	141198	TRUE	36531	$3,189,527
18	29	$130,738	26148	37914	($15,087)	($17,504)	$5,323	$63,875	6238	185163	TRUE	47011	$4,074,700
19	35	$136,867	27373	47903	($19,240)	($22,115)	$6,548	$78,578	6175	242543	TRUE	60425	$5,191,445
20	43	$143,283	28657	61612	($25,036)	($28,444)	$8,132	$97,580	6114	317580	TRUE	79061	$6,716,378
21	53	$150,000	30000	79500	($32,621)	($36,703)	$10,177	$122,121	6053	415754	TRUE	103782	$8,707,170

 

 

 

所有跟帖： 

• Please also add in personal income tax -- Plan A has a lot of de -svll- ♂ (0 bytes) () 11/09/2018 postreply 11:48:14

• It's complicated. A需要1900才能收支平衡 -rapidestate- ♂ (26915 bytes) () 11/09/2018 postreply 12:38:42

• Thanks for taking that in -svll- ♂ (143 bytes) () 11/09/2018 postreply 13:29:38

• 看不懂，为什么plan a 920万，plan b 800.万？ -沙沦的玫瑰花- ♀ (0 bytes) () 11/09/2018 postreply 12:22:18