[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"$fettqtuj0szes":3,"$ffegs2evbp6jw":37,"$fbwk3vtva8yds":41},{"item":4,"previous":25,"next":31},{"id":5,"slug":6,"title":7,"description":8,"excerpt":9,"contentType":10,"featuredImage":11,"bannerImage":9,"body":12,"agentsBottomLine":12,"bodyImage":9,"isInfographic":13,"categories":14,"isVideo":13,"videoThumbnail":9,"videoSource":9,"publishedAt":23,"updatedAt":24},327,"buy-vs-rent-what-really-creates-family-wealth","Comprar Vs alquilar: ¿Qué realmente crea patrimonio familiar?","Hubo recientemente artículos de prensa en cuanto a si tiene o no sentido financiero el alquilar en lugar de comprar en el mercado de la vivienda de hoy. Por ejemplo, la reciente síntesis de junio  del \u003Cem>índex de comprar vs alquilar de BH&J\u003C\u002Fem> (\u003Cstrong>BH&J Buy vs. Rent Index\u003C\u002Fstrong>) que informo:\r\n\u003Cblockquote>\u003Cem>“… a finales del primer trimestre de 2015, el mercado de la vivienda en los Estados Unidos y todas las ciudades en el índice son tendencias ya sea para alquilar como la opción superior o estrictamente favoreciendo el alquilar sobre la compra de una casa”.\u003C\u002Fem>\u003C\u002Fblockquote>\r\n","","blog","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002F01162448\u002FFamily-Wealth-STM.jpg","Hubo recientemente artículos de prensa en cuanto a si tiene o no sentido financiero el alquilar en lugar de comprar en el mercado de la vivienda de hoy. Por ejemplo, la reciente síntesis de junio  del \u003Cem>índex de comprar vs alquilar de BH&J\u003C\u002Fem> (\u003Cstrong>BH&J Buy vs. Rent Index\u003C\u002Fstrong>) que informo:\r\n\u003Cblockquote>\u003Cem>“… a finales del primer trimestre de 2015, el mercado de la vivienda en los Estados Unidos y todas las ciudades en el índice son tendencias ya sea para alquilar como la opción superior o estrictamente favoreciendo el alquilar sobre la compra de una casa”.\u003C\u002Fem>\u003C\u002Fblockquote>\r\n\u003C!--more-->\r\n\r\nThe summary goes on to explain that:\r\n\u003Cblockquote>\u003Cem>“The index conducts a “horse race” comparison between an individual that is buying a home and an individual that rents a similar quality home and \u003Cstrong>reinvests all monies otherwise invested in homeownership\u003C\u002Fstrong>.”\u003C\u002Fem> (emphasis added)\u003C\u002Fblockquote>\r\nThough the math may be correct, we are not as sure of the conclusion. Even if you check the methodology offered by the \u003Cstrong>BH&J\u003C\u002Fstrong> report itself, you will find that they realize:\r\n\u003Cblockquote>\u003Cem> “…any extra savings from renting might be spent on non-wealth enhancing goods resulting in any benefits from renting versus owning disappearing in a cloud of consumption spending rather than savings.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\n\u003Ch4>\u003Cstrong>The Concept of ‘Forced Savings’ and Wealth Accumulation\u003C\u002Fstrong>\u003C\u002Fh4>\r\nMany believe the wealth accumulation of homeowners is tied into the concept of “forced savings”. The New York Times late last year published an editorial entitled, \u003Cem>“\u003C\u002Fem>\u003Ca href=\"http:\u002F\u002Fwww.nytimes.com\u002F2014\u002F11\u002F30\u002Fopinion\u002Fsunday\u002Fhomeownership-and-wealth-creation.html?_r=2\">\u003Cem>Homeownership and Wealth Creation\u003C\u002Fem>\u003C\u002Fa>\u003Cem>,\u003C\u002Fem> which discussed this concept\u003Cem>. \u003C\u002Fem>The article explained:\r\n\u003Cblockquote>\u003Cem>“Homeownership requires potential buyers to save for a down payment, and forces them to continue to save by paying down a portion of the mortgage principal each month.”\u003C\u002Fem>\r\n\r\n\u003Cem>“Even in instances where renters have excess cash, saving a substantial amount is difficult without a near-term goal, like a down payment. It is also difficult to systematically invest each month in stocks, bonds or other assets without being compelled to do so.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\nMany of the points that were made in the article are on track with the research done by the \u003Cem>Joint Center for Housing Studies\u003C\u002Fem> at \u003Cem>Harvard University\u003C\u002Fem> which agrees that “forced savings” is a major advantage of homeownership. In a paper, \u003Ca href=\"http:\u002F\u002Fjchs.harvard.edu\u002Fsites\u002Fjchs.harvard.edu\u002Ffiles\u002Fw13-1_belsky_0.pdf\">The Dream Lives On: the Future of Homeownership in America\u003C\u002Fa>, they concluded:\r\n\u003Cblockquote>\u003Cem>“Since many people have trouble saving and have to make a housing payment one way or the other, owning a home can overcome people’s tendency to defer savings to another day.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\n\u003Ch4>\u003Cstrong>The Truth is in the Historical Data\u003C\u002Fstrong>\u003C\u002Fh4>\r\nEdwards Deming once said: \u003Cem>“Without data, you’re just another person with an opinion.”\u003C\u002Fem>\r\n\r\nLet’s look at the data on this subject. The Federal Reserve has conducted a study titled: \u003Ca href=\"http:\u002F\u002Fwww.federalreserve.gov\u002Fpubs\u002Fbulletin\u002F2014\u002Fpdf\u002Fscf14.pdf\">\u003Cem>Survey of Consumer Finances\u003C\u002Fem>\u003C\u002Fa>. The study found that\u003Cstrong> the average net worth of a homeowner ($194,500) is 36 times greater than that of a renter ($5,400).\u003C\u002Fstrong>\r\n\u003Ch3>\u003Cstrong>Bottom Line\u003C\u002Fstrong>\u003C\u002Fh3>\r\nThe New York Times editorial articulated it best:\r\n\u003Cblockquote>\u003Cem>“Homeownership long has been central to Americans’ ability to amass wealth; even with the substantial decline in wealth after the housing bust, the net worth of homeowners over time has significantly outpaced that of renters, who tend as a group to accumulate little if any wealth…\u003C\u002Fem>\u003Cem>As a means to building wealth, there is no practical substitute for homeownership.”\u003C\u002Fem>\u003C\u002Fblockquote>\r\nIf you are a renter who is considering making a purchase, let's get together and discuss the benefits of signing a contract to purchase over renewing your lease!",false,[15,19],{"id":16,"name":17,"slug":18},5,"Para los compradores","buyers",{"id":20,"name":21,"slug":22},11,"Compradores de vivienda por primera vez","first-time-buyers","2015-06-24T10:00:33Z","2015-06-22T15:21:58Z",{"id":26,"slug":27,"title":28,"featuredImage":29,"publishedAt":30,"contentType":10,"isVideo":13},326,"first-time-homebuyers-lead-the-way-in-may","Los compradores de casa por primera vez llevan la delantera en mayo ","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002F01162444\u002FFirst-Time-Homeowner.jpg","2015-06-23T10:00:41Z",{"id":32,"slug":33,"title":34,"featuredImage":35,"publishedAt":36,"contentType":10,"isVideo":13},328,"sellers-dilemma-otm-fsbo-or-list-again","El dilema de los vendedores: ¿sacarla del mercado, vender por su cuenta o ponerla a la venta de nuevo?","https:\u002F\u002Fsimplifyingmedia\u002Fwp-content\u002Fuploads\u002F2015\u002F06\u002F01162447\u002FNo-FSBO-STM.jpg","2015-06-25T10:00:08Z",{"cover":38,"open":39,"shareSpread":40},"https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Cover-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Spread-SP-original.png","https:\u002F\u002Ffiles.keepingcurrentmatters.com\u002FKeepingCurrentMatters\u002Fcontent\u002Fimages\u002F20260603\u002F2026-Summer-Buyers-Guide-Magazine-SP-original.png",[42,46,47,51,55,59,63,64,68,72,76,80,84,88,92,96,100,104,108,112,116,120,124,128,132,136,139,142,145,148],{"id":43,"name":44,"slug":45},1,"No clasificado","uncategorized",{"id":16,"name":17,"slug":18},{"id":48,"name":49,"slug":50},6,"Para los vendedores","sellers",{"id":52,"name":53,"slug":54},7,"Ejecuciones hipotecarias","foreclosures",{"id":56,"name":57,"slug":58},8,"Infografías","infographics",{"id":60,"name":61,"slug":62},9,"Precios","home-prices",{"id":20,"name":21,"slug":22},{"id":65,"name":66,"slug":67},34,"Mercado de la tercera edad","senior-market",{"id":69,"name":70,"slug":71},35,"Tasas de interés","mortgage-rates",{"id":73,"name":74,"slug":75},38,"Compradores de casa mas grande","move-up",{"id":77,"name":78,"slug":79},41,"“FSBO“","for-sale-by-owner",{"id":81,"name":82,"slug":83},42,"Featured","featured",{"id":85,"name":86,"slug":87},45,"Nueva construcción","new-construction",{"id":89,"name":90,"slug":91},52,"Mercado de lujo","luxury--vacation",{"id":93,"name":94,"slug":95},53,"Alquilar Vs. 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