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    <meta http-equiv="X-UA-Compatible" content="IE=edge" />
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    <title>卡片-小图</title>
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  <body>
    <div class="wrapper">
      <div class="account_card">
        <img src="https://app-stc.zjol.com.cn/card-share/tmh_type_cmh.png" />
        <div class="account_wrapper">
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          <div class="title_wrapper">
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              />
            </div>
            <div class="desc">我发布了一篇文章</div>
          </div>
          <div class="date">
            <span class="month"></span>
            <span class="week"></span>
          </div>
        </div>
      </div>

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        <div class="cover">
          <img />
        </div>

        <h1></h1>

        <h3></h3>

        <div class="date"></div>
      </div>

      <div class="bottom">
        <div class="logo"></div>
        <div class="qr-area">
          <div class="left">长按识别<br />查看详情</div>
          <div class="right">
            <img class="qr" />
            <img
              class="qr-logo"
              src="https://app-stc.zjol.com.cn/card-share/card_logo1.png"
            />
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        <div class="bottom-dot"></div>
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      <div class="link link-1">
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<p></p><p>与其帮房东还房贷，不如给自己还，这是很多买房人做决定时的心态。诚然，在此前很多年，在德国自己买房确实比租房来得更有财务优势，但现在，随着贷款利率的发疯式上涨，这项优势正在逐渐缩小…… </p><p>根据德国经济研究所（IW）为房地产公司所作的一项调查，这一趋势是从这两年开始变得明显的。该研究比较的是购买房产的费用和新签租赁合同的租金，根据调查结果，去年德国401个县区和县级市中，有328个地区的自住业主的居住成本低于租户，其中包括德国“七大城市”中的4个。经过一系列计算，自住业主的居住成本约为每平方米10.04欧元，而同类房产的新合同租金可达每平方米10.90欧元。换算一下，买房者的居住成本平均比租房者低8.0%！ </p><p style="text-align:center;"><img style="max-width:600px;" src="https://fwimage.cnfanews.com/weixinimg/2023/20230616/2656158903_fdbb1d7a20fe50949f8f0c352b9e2d63?width=750&amp;height=422&amp;size=78269"></p><p>▲图源：picture alliance / Rupert Oberhäuser </p><p>有房地产专家对德国经济研究所指出，这一优势在大都市及其周边地区表现得最为明显。尤其是在柏林周边的部分地区，2022年自住业主享受的成本优势甚至过20%。且与整个欧洲的形势相比，德国的住宅房地产价值称得上稳定，比如其价格波动就小于英国、法国和荷兰等欧洲发达国家。 </p><p>不过你可能没有想到的是，这一数据其实同时也反应了去年贷款利率的上涨幅度……要知道，在2021年的类似报告中，与新签合同规定的租金相比，购房者的成本优势仍在60%左右！ </p><p style="text-align:center;"><img style="max-width:600px;" src="https://fwimage.cnfanews.com/weixinimg/2023/20230616/2656158903_7fd2a1a6a920cd3ed391d4de0bef4dc7?width=1080&amp;height=516&amp;size=115468"></p><p>▲图源：Monika Skolimowska/dpa </p><p>2021年，德国自住业主的居住成本还仅为每平方米4.23欧元。正因利率的飙涨，这一数字才在2022年达到10.04欧元，足足上涨了两倍有余。而反观另一边，租户的成本增加幅度就远没有如此夸张，只是从10.30欧元涨到了10.90欧元。 </p><p>并且，该研究使用的十年期贷款利率还是2.65%，但目前的利率显然还要高得多。德国经济研究所计算了今年上半年的数据，得出的结论是，当前德国十年期贷款利率平均为3.7%。因此可以说，现在的情况正越来越有利于租户。最新的现实是：在401个县区中的300个，自住业主的成本都已过了新合同的租金…… </p><p style="text-align:center;"><img style="max-width:600px;" src="https://fwimage.cnfanews.com/weixinimg/2023/20230616/2656158903_e11bb8c49aa80876a3d885a3edd9ea58?width=870&amp;height=616&amp;size=77388"></p><p>▲图源：Monika Skolimowska/dpa </p><p>不过，这也并不代表着以后谁在德国买房谁就犯傻的意思，因为该研究报告中还预计，今年下半年，德国通胀将进一步下降，这使得欧洲央行有可能下调关键利率，也就意味着房屋贷款利率也将下降。德国房地产公司认为，随着降息，置业对民众的吸引力应该会“有所提升”。但是，买家必须注意经济和社会人口发展，“房子不一定还会自动涨价了。” </p><p>报告中给出了3种可能性。其中，“快速复苏”和“温和复苏”两个情景分别假设，首次迎来降息的时间将为2023年底或2024年第一季度，这将大大降低自住业主的成本。在“停滞”这一情景中，尽管通胀率下降，但利率会保持不变。这样一来，自住业主所盼望的成本优势的回归，就要等到2024年之后了…… </p><p>（欧洲时报德国版庄生综合报道，转载请注明公众号GermanReport) </p><p>…………………………………………… </p><p></p>

​买房总比租房划算？在德国，这事越来越说不定了

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​买房总比租房划算？在德国，这事越来越说不定了

买房总比租房划算？在德国，这事越来越说不定了