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New York Times: Ser propietario de casa es la mejor manera de generar riqueza

New York Times: Ser propietario de casa es la mejor manera de generar riqueza

The New York Times publicó recientemente un editorial titulado “Homeownership and Wealth Creation.” (Ser propietario de casa y la creación de riqueza) el mercado de la vivienda tuvo una recuperación fuerte, no solo en las ventas y los precios, pero también en la confianza de los consumidores y los expertos como una inversión.

El artículo explico:

“Ser propietario de casa por largo tiempo ha sido el centro de la capacidad de los estadounidenses para acumular riqueza; incluso con la disminución considerable en el patrimonio después de la burbuja de la vivienda, el patrimonio neto de los propietarios de casa con el tiempo significativamente supero el de los inquilinos, que tienden como grupo a acumular poca si alguna riqueza”.

Muchos de los puntos que se hicieron en el artículo están de acuerdo con la investigación que la Reserva Federal también ha llevado a cabo en su “Survey of Consumer Finances” (encuesta de las finanzas del consumidor).

El estudio encontró que el promedio del patrimonio neto de los propietarios de casa ($194,500) es 36 veces más grande que el de los inquilinos ($5,400).

Una razón por esta gran discrepancia en el patrimonio neto es el concepto de “ahorro forzado” creado al tener un pago de hipoteca y fue explicado por el Times:

“Ser propietario de casa requiere que compradores potenciales ahorren para una cuota inicial y los obliga a seguir ahorrando al pagar una porción del principal de la hipoteca cada mes”.

“Incluso en casos donde los inquilinos tienen exceso de efectivo, ahorrando una cantidad sustancial es difícil sin una meta a corto plazo, como la cuota inicial. También es difícil invertir sistemáticamente cada mes en acciones, bonos y otros activos sin ser obligados a hacerlo”.

En conclusión

“Como un medio para crear riqueza, no hay sustituto practico para ser propietario de casa”. Si usted es un inquilino que está considerando el hacer una compra, siéntese con un profesional en bienes raíces local que pueda explicarle los beneficios de firmar un contrato para comprar en vez de renovar su contrato de alquiler.


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5 comentarios
  1. Todd Singleton
    Todd Singleton Dice:

    Doesn’t this sound familiar? Encourage home ownership with media propaganda, encourage government policy towards home ownership, have Fannie and Freddie drop down payment requirements to 3% for government insured mortagages for first time buyers (happened 10 days ago) , remove restrictions on derivative trading with FDIC insured deposits (thank the Federal budget fiasco).

    What could possibly go wrong? Please review the definition of insanity.

    Responder
    • Carl S
      Carl S Dice:

      I couldn’t agree more. If you believe the main stream media, apparently the housing market is back everywhere except my neighborhood. We’re still making payments on a house we bought back in 2005 that’s still $50,000.00 underwater even though we paid $50,000.00 less than its current cost of replacement. Confused yet? We also can’t get it refinanced because it won’t appraise, not to mention we’ve tried to qualify for every federal program to reduce either the interest we’re paying or the principle down to current market value, yet somehow there is always one niggling point that renders us unqualified for every single program that was enacted at the federal level to help. I have no faith in any institution residing in the US much less the government at any level. If it weren’t for my kids and grand kids, we would be looking to immigrate OUT of the US, preferably to a country where we could afford to buy medicine, dental, and health care. I could go on and on but what’s the point?

      Responder
      • wes@bradfieldproperties.com
        wes@bradfieldproperties.com Dice:

        If you had been making one extra payment per year to principal, you would not be in this situation.

        I am not sure what was going on when you purchased the home? Maybe someone forced you to purchase the house… Maybe you did not need to fill out a loan application… Maybe you did not attend any sort of closing where a closing statement was available for you to approve… Maybe there were not loan documents that you could have had an attorney look over on your behalf… but, if you had an opportunity with any of the above-you are the one that chose to move forward.

        What I don’t understand, is why you expect the government to jump in and bail you out via principal reduction or interest rate reduction?

        I have personally brought thousands of dollars to the table to sell my properties. This is something that happens everyday. This is a contractual obligation-imagine if the banks could modify the loan by increasing your principal or interest rate.

        The more you justify your situation based on what someone else has or has not done with modifications is why we get into messes like this.

        Moving forward make decisions based on your situation and no one else’s…

        Go get a small signature loan for $30 or $40k so you can bring that to the table and be done with it (I would not suggest that though with the tax advantages you have owning vs. renting, not to mention, you could own that home out right in the next 10 years if you go about it the right way-this is something you could pass down to your kids/grand kids).

        The United States of America is the BEST place to live.

        Good luck-Chin up!

        Responder
    • wes@bradfieldproperties.com
      wes@bradfieldproperties.com Dice:

      The Millennial’s will surpass the Babyboomer’s as home purchasers in 2015… with this new wave of buyers-larger than any other segment in history-introduced to the market… homeowner ship needs to be a focus.

      Homeownership, buying/selling and velocity is what makes a strong economy. If you have money and don’t spend it there can not be growth. Simple concepts of supply and demand will tell you that appreciation will happen and is happening with the new buyers.

      With the lurk of inflation around the corner, it will be something we will be dealing with in the near future.

      So lets speed up the velocity of money. When a new home subdivision comes to town, it increases the tax base for cities, creates jobs for the workers. In turn, the money made is reinvested in the cities where these communities are formed… schools, hospitals, stores and on…

      Let’s keep on track with helping the first time home buyers purchase so you can move up to your new home.

      What we don’t need is a stagnant economy-That is when bright ideas like derivative trading with FDIC insured deposits come in to play.

      Stay positive and…

      Keep the money moving!

      Responder

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