买房子便宜还是自己盖房子便宜(二)
2022-05-15 龟兔赛跑 10751
正文翻译

Is it cheaper to buy or build your house?

买房子便宜还是自己盖房子便宜?

评论翻译
Nick Sch?n, 100% European
Build a house on land you already own is cheapest. Buy the land and then build on it is more expensive, obviously.
But buy the finished new house, and you have to do all of the above, and then provide the person who did it a profit.

在你已经拥有的土地上建房子是最便宜的。买地然后在上面盖房子显然更贵。
但是买已经完工的新房子,也必须完成以上所有的事情,然后给做这些事的人提供利润。

David Williams, Have built several. Love to talk about it.

大卫·威廉姆斯,建过些许房。我喜欢谈论它。

I am assuming you are asking about cost vs an apples-to-apples purchase of an existing house. I assume you know the answer can be between $70 and $300 per foot depending on design complexity and materials/appliances, etc.
I recommend it. I will begin by saying ‘yes’ to your implied question, that it can be less expensive. However, if you are comparing to a ‘builder grade’ house, no. A builder can use stock cabinets, inexpensive appliances, inexpensive windows/doors, carpeting, etc, and he will build it at a price you likely cannot match. Some guys can come in at like $70/foot for a perfectly good house, just with inexpenseive fittings.
I am also assuming you are not acting as the contractor. That is another arena all together.
But lets say you want to have a licensed contractor build your house, and you are not looking to buy a tract house. My experience is that you can built a custom house less expensively than an apples-to-apples purchase. To make this happen, there are three areas of cost/hassle that, for us, determined the ‘wow factor’ (how much you love the house) and price of the end result:

我想你问的是成本,而不是同比例现有房子的价格。我想你知道答案可能在每英尺70美元到300美元之间,这取决于设计的复杂性和材料/设备等。
我如此建议:首先,我会对你隐含的问题说“是”,它可以便宜一些。然而,如果你将其与“建筑商级”房屋进行比较,那么答案是否定的。建筑商可以使用库存橱柜、便宜的电器、便宜的门窗、地毯等,而且他会以你可能无法比拟的价格建造房屋。有些人可以以每英尺70美元的价格买到一套非常好的房子,只是装修不贵。
我还假设你不是承包商,这是另一个竞技场。
但是假设你想让一个有执照的承包商来建造你的房子,而你不想买一套小房子。我的经验是,你可以建造一个定制的房子,比买一个同比例的便宜。要做到这一点,我们需要考虑三个方面的成本/麻烦,对我们来说,决定了“令人惊叹的因素”(你有多喜欢房子)和最终结果的价格:

1. Materials, windows/doors, etc.
Shopped for the wood flooring, found a local producer who sold us small left over lots for a great price. So the den has oak, the bedroom ash, etc. Looks great, came in at lower-than-market per foot price.
Kitchen and bathroom tile was purchased the same way. Basically we found what we wanted, regardless of price, then looked around until we found something very similar on deep discount. You can pay $10/ft or $1/ft for tile. By looking around you can find good deals.
Dealt directly with a big box store (give you two guesses which) for windows/doors, appliances, etc. They also did the kitchen cabinets. Near custom quality, much better than builder grade. Add it all up, it comes to a heafty check, so they typically will give you an additional discount. We got good prices from them to start with, so when we went to the store manager for additional discount, he gave us store coupons instead. Fine, gonna spend it there anyway.

材料、门窗等。
购买木地板时,发现一家当地生产商以高价向我们出售了少量剩余的地板。所以书房有橡木,卧室有白蜡树等等。看起来不错,每英尺的价格低于市场价。
基本上,不管价格如何,我们都能找到自己想要的东西,然后四处寻找,直到找到价格非常相似但折扣很大的东西。你可以支付10美元/英尺或1美元/英尺的瓷砖。四处转转,你可以找到物美价廉的商品。
直接和大卖场打交道(让你猜两次是哪个)用于门窗、电器等。他们还装修了厨房的橱柜。接近定制质量,比建筑商等级好得多。把这些加起来,这是一笔很大的费用,所以他们通常会给你额外的折扣。我们一开始就从他们那里得到了好价钱,所以当我们去商店经理那里要求额外折扣时,他给了我们商店的优惠券。好吧,反正我也要在那里度过。

2. Design
The design was thought through, wife and I talking for hours on end, drawing houses in the dirt, pretending to walk and sit, etc. We ended up with a house that is 30% smaller than someone with our needs/budget would typically build, yet lives at 100%. We basically gave ourselves what we wanted, cut out anything not really necessary. If someone doesn’t like that we don’t have a coat closet for guests, well, its not their house. You can’t overthink space. Think it through, then think it through again. You can end up with something that says “wow” every day, but is less space than what most people have.

设计
设计经过深思熟虑,我和妻子连续聊了几个小时,在泥土上画房子,假装走路和坐着,等等。我们最终得到了一栋房子,比我们需要/预算的人通常建造的房子节省30%,但我们住的房子可是一摸一样的。我们基本上给了自己想要的,去掉了不必要的东西。如果有人不喜欢我们没有为客人准备的衣帽间,好吧,这不是他们的房子。你不能过多考虑空间。仔细想想,然后再仔细想想。你可以每天都拥有一些令人惊叹的东西,但它的空间比大多数人的空间都要小。

3. Builder
We found a builder who actually builds. He was out there pouring concrete, he and his buddies were the framing crew, etc. If you are dealing with one who wears Dockers and golf shirts and visits his sites, things can be more difficult. When the framing was being done we were looking at how one wall was going up, and I said, “We need three windows across that wall rather than two, dont we?” “Would be nice”, he said. “How much?” “Eh, take about an hour or so to fix that.” I pulled a $100 bill out of my wallet, he was happy. Try that with a contractor who subs out the framing. Things like this come up all the time.
Once you show the builder the plans and get a price from him, determine what all the above stuff will cost - set a budget for it. Develop good rapport with the builder, ask and ask again what you haven’t thought about. Once you have that budget, do NOT get into the habit of spending another $200 here, $400 here. “Oh honey, I know we were going to spend X on the stove, but this one is simply marvy, and only $300 more”.

建筑商
我们找到了一个真正的建筑商。他在外面浇筑混凝土,他和他的伙伴们是框架工人等等。如果你正在与一个穿着阔腿裤和高尔夫球衣的人打交道,并且去他那,事情可能会更困难。当框架搭建完成时,我们正在研究一堵墙是如何建起来的,我说:“我们需要在那面墙上建三扇窗户,而不是两扇,对吗?”“太好了”,他说。“多少钱?”“呃,大约需要一个小时来解决这个问题。”我从钱包里掏出一张100美元的钞票,他很高兴,说找个包框架的承包商试试。像这样的事情经常发生。
一旦你向建筑商展示了这些计划,并从他那里得到了一个价格,就要确定上面所有的东西都要花多少钱——为此制定一个预算。与建筑商建立良好的关系,反复询问你没有想到的事情。一旦你有了预算,不要养成在这里再花200美元,在这里再花400美元的习惯。“哦,亲爱的,我知道我们要在炉子上花X,但这个太棒了,只多花了300美元。”。

Steve Black, Bought and sold many properties and have a few rental properties.

史蒂夫·布莱克,买卖了很多房产,并有一些出租房产。

This is in the UK. It is often cheaper to buy a older run down property in a great location, tear it down and rebuild something that you want. When I started working construction nearly 40 years ago. it would be that a building plot would cost on average a quarter of the retail price, it then quickly rose to a third and now is at least half. If you are going for high spec in a nice area then I think building would just edge out buying especially if new build.

这是在英国。在一个好地段买一套破旧的房子,拆掉再重建你想要的房,通常会更便宜。大约40年前,当我开始在建筑工地工作时。一个建筑地块的平均价格将是零售价格的四分之一,然后迅速升至三分之一,现在至少是一半。如果你想在一个不错的地方买高规格的房子,那么我认为建房子比买房子要好,尤其是新建房子。

J Scott, Professional Real Estate Investor w/ 150+ Deals & Best-Selling Author

J Scott,专业房地产投资者,拥有150+交易和畅销书作者
原创翻译:龙腾网 https://www.ltaaa.cn 转载请注明出处


It depends...
The first question is, will you be purchasing directly from a builder or buying the land yourself and building from scratch? If you're purchasing new construction from a builder, you'll likely be paying a premium for the house over houses that would be purchased as resales. Of course, you'll be getting a brand new house as opposed to an older house, but there is a cost premium for that.
If you're buying the land and building from scratch, the question becomes how cheaply you can purchase the land and how cost-efficiently you can build the house. Are you planning to hire a builder? Or are you planning to manage the project yourself and hire your own sub-contractors?
If you hire a custom builder, you'll likely pay more than what you'd pay for a similar resale in the same area. But, if you can manage the project yourself and hire directly to subcontractors (so you save the overhead of the builder), you can very possibly build for less than you can buy.
For example, I recently purchased a piece of land in Maryland for $250K and built a 4000 sf house for $90/sf -- my total cost for the house was about $610K. Had I bought the land and hired a builder to build it, I likely would have spent about $120/sf, for a total cost of about $730K. To buy a similar (but older) resale house in this area, I probably would have spent about $700K. To buy a turn-key new construction from a big builder in this area, I probably would have spent about $750-800K.
So, in this real-life example, it was much cheaper for me to act as my own builder, but would have been more expense to hire a builder and much more expensive to buy a similar turn-key new construction from a large builder. While this is just one example, in my experience it's pretty representative of what you'll see.

这取决于:
第一个问题是,你是直接从建筑商那里购买,还是自己购买土地,然后从头开始建造?如果你从建筑商那里购买新建筑,你很可能会为房子支付销售的溢价。当然,你会得到一个全新的房子,而不是一个旧房子,但这是一个成本溢价。
如果你是从头开始购买土地和建筑,那么问题就变成了购买土地的成本和建造房屋的成本效益。你打算雇一个建筑商吗?或者你是否计划自己管理项目并雇佣分包商?
如果你雇佣了一个定制的建筑商,你可能会比在同一地区进行类似的转售支付更多的费用。但是,如果你能自己管理项目并直接雇佣分包商(这样你就节省了建筑商的开销),你很可能会以低于你所能买到的价格去建造。
例如,我最近在马里兰州以25万美元购买了一块土地,并以90美元/平方英尺的价格建造了一栋4000平方英尺的房子——我的房子总成本约为61万美元。如果我买下了这片土地,并雇佣了一名建筑商来建造它,我可能会花费大约120美元/平方英尺,总成本约为73万美元。要在这个地区买一栋类似(但更老)的二手房,我可能要花70万美元。为了从这个地区的一家大型建筑商那里购买一栋交钥匙式的新建筑,我可能会花费大约75-80万美元。
因此,在这个现实生活中的例子中,我自己作为建筑商要便宜得多,但雇佣建筑商的成本更高,从大型建筑商那里购买类似的直接交钥匙新建筑的成本更高。虽然这只是一个例子,但以我的经验来看,它很能代表你将看到的情况。

Tom Brookins, BA Philos, MA EDC&I Philosophy & Education, University of Washington (1974)

汤姆·布鲁金斯,哲学学士,华盛顿大学哲学与教育学硕士(1974年)

Of course! For my VERY FIRST construction job I added on to my house several years back (five rooms on two stories) and the learning curve is steep at first, but as you go things get easier.
Are you healthy and in relatively good shape? (I was back then!)
Do you have friends to answer questions and/or give a hand once in a while? From work, church, neighbors …
Tools? You can buy what is needed as you go but don’t forget them in your budgeting. This assumes planning ability.
Have you some understanding of “how things work?”
Have money? Plans? Permits? I know that it looks like a huge mountain but like the longest journey … How do you eat an elephant? One bite at a time.

当然,几年前,我的第一份建筑工作是扩建房子(两层五间房),一开始学习是艰难的,但随着时间的推移,事情会变得越来越容易。
你身体健康吗?(那时我就是这样!)
你有朋友偶尔回答问题和/或帮忙吗?从工作,教堂,邻居…
工具?你可以边进行建造边买需要的东西,但不要在预算中忘记它们。这需要具备规划能力。
你对“事情是如何运作的”有一些了解吗?
你有钱吗?有计划?有许可证?我知道它看起来像一座大山,但像是最长的旅程。你怎么吃大象?一次咬一口。

Use the “school example” like I have all my life: look for others doing big jobs (graduating?) and tell yourself, “If they can do it then I can too!” (look for a real slacker). Watch a pro and ask questions and remember - none of us schlubs learned by just watching pros. It took lots of time and practice for them to get where they are! That’s OK. When dropped off on this planet, think about where you were and where you are now. Walking, running, no diapers! Handling all kinds of food and on and on. You’ve already come a long way, baby!
It will take double the time you think and yes, more money. It’s OK, remember that about half of your finished product’s cost would be labor if someone else did it! You are still ahead!
Tired at the end of the day? Oh yeah. Sense of accomplishment? OVER THE MOON!
MOST IMPORTANT! Ask questions. Ask questions! ASK QUESTIONS!!! Got it? Pick the answers that make sense for your question. After ten answers you’ll start “to get it,” and you only need one right one. Everyone LOVES to share what they know. You’ll have opportunities rather than problems.
Watch TV programs that fix houses.
You CAN doo it, look at what THIS doofus did!

用“学校榜样”,就像我一生都在做的那样:寻找其他做重要工作的人(毕业)告诉自己,“如果他们能做到,我也能做到!”(找一个真正的懒鬼)。观看一位职业选手并提出问题,记住——我们这些笨蛋都不是通过观看职业选手来学习的。他们花了很多时间和练习才达到目的!没关系。当你被送到这个星球上时,想想你曾经在哪里,现在在哪里。走路,跑步,不要尿布!处理各种各样的食物等等。你可是已经走了很长的路,宝贝!
这将需要双倍的时间,是的,更多的钱。没关系,记住,如果其他人做了,你的成品成本中大约有一半是劳动力!你仍然领先!
一天下来累了吗?哦,是的。成就感?欣喜若狂
最重要的是问问题。问问题!问问题!!!知道答案后选择对你的问题有意义的答案。十个答案之后,你就会开始“得到它”,你只需要一个正确的答案。每个人都喜欢分享他们所知道的。你koi会有机会而不是只有问题。
看修复房屋的电视节目。
你可以的,看看这个笨蛋做了什么!

Bill Herman, M. S. Institute of Advanced Studies in Administration, San Francisco State University (1972)

比尔·赫尔曼,旧金山州立大学高级行政研究所硕士(1972)

This may depend on where you want to buy a lot and you need to know the building codes before you buy. Also what area as lots costs vary from maybe 50K going way up in cost.
But if you can afford a good lot that is clear to build on, yes it can be much cheaper to build your own, generally anywhere from (maybe, again depending where) around 75K to 100K for most of your materials. This amount can vary widely. Is the lot flat, with or without public sewage, any trees or other foliage to deal with, electric available, a lot of basic details that will cost extra.
You can build small and reasonably priced or large.
Now, do you have any construction skills? You also will have to buy or rent all the needed tools and know how to use them properly.
Yes you can save based on how well prepared and capable you are.
My best friend built 3 houses on his 40 acres of property over about 10 years. He said the 3rd one he finally got it all right, the first two were basic learning curves.
Also he did most all of them on his own except for some of the really heavy things to deal with and had help. So it can be done.
He bought his 40 acres about 25 years ago for around 150K. It’s now worth close to a 1 million, his 3 houses cost him approx. 400K and now worth 1 mil or so.
Good luck.

这可能取决于你想在哪里买,而且你需要在购买前了解建筑规范。此外,不同地段的价格也不同也许5万美元的成本还会上升。
但是,如果你能负担得起一个很好的地段,显然可以建造自己的,是的,它可以便宜得多,一般从任何地方(也许,再次取决于地点)大部分材料的价格在7.5万到10万之间。这个量可能变化很大。地块是平的,有没有公共污水,有没有树木或其他树叶要处理,有没有电,很多基本细节都要额外花钱。
你可以建造小型的、价格合理的或大型的。
你有建筑技能吗?你还必须购买或租赁所有需要的工具,并知道如何正确使用它们。
是的,你可以根据自己的准备和能力来节省开支。
我最好的朋友在他40英亩的土地上花了大约10年的时间建了3栋房子。他说第三栋房子时他终于弄好了,前两栋基本是艰难学习过程。
除一些非常重要的事情需要处理和帮助外,他几乎都是独自完成的。所以这是可以做到的。
大约25年前,他以15万英镑的价格买下了40英亩土地。现在它的价值接近100万,他的三栋房子花了他大约40万,现在价值约100万。
祝你好运

George Graham, I work as a carpenter building things for other people.

乔治·格雷厄姆,我是一名木匠,为别人做东西。

As with all these type of question the answer is “it depends”.
Are you having it built for you, or acting as your own main contractor and hiring in the workers you need? If the former it will cost around the same as just buying one. If the latter, then you could end up saving the equivalent of the main contractor’s profit (possibly around 20%). Or you could mess it up and lose money on it through lack of understanding and knowledge.
Are you having it built because you want high end fittings and fixtures that you can’t get elsewhere? More expensive.
Are you having it built because you already own the land free and clear?Cheaper.
Are you having an architect design something special; could be more expensive - depending what you want.
Are you building because you want something very different to other houses; could be much more expensive in the long run if you want to sell but are limited to buyers who share your taste.
So like I said at the start, the answer is “it depends”.

与所有这些类型的问题一样,答案是“视情况而定”。
你是为自己建造的,还是自己作为总承包商雇佣你需要的工人?如果是前者,它的价格将与购买差不多。如果是后者,那么你最终可以节省相当于总承包商的利润(可能在20%左右)。或者,由于缺乏理解和知识,你可能会把事情搞砸,并因此而赔钱。
你建造它是因为你想要在其他地方买不到的高端配件和固定装置吗?这样则更加昂贵。
你建造它是因为你已经拥有这片土地了吗?更便宜。
你是否有建筑师设计了一些特别的东西;可能更贵——取决于你想要什么。
你建造房屋是因为你想要与其他房屋截然不同的东西;如果你想出售,但仅限于与你有相同品味的买家,从长远来看,价格可能会高得多。
就像我一开始说的,答案是“视情况而定”。

Scott King Walker, Designed my own house which was built in 2019.

Scott King Walker,设计了我自己的房子,建于2019年。

No.
Unless you are actually doing a lot of work yourself, having a house built just for you is almost certainly not going to save you money. It can still be “worth it” if you are building something that will benefit you and your family for a long time to come.
I highly recommend it to those who have the resources to do it, and want to enjoy both the process and the results. It is even more enjoyable if you can find a builder to work with who is honest, competent, and gets along well with you.
Honesty: Check this out with people you know who have worked with the builder before. You can check *their* references if you have to, but the ones to trust are people you already know who have done business with that builder.
Competence: Look for someone who has built things similar to what you are looking for before. Understand what the builder’s standard quality level is. It varies dramatically, and while quality does cost more, just building “big expensive” houses doesn’t mean that they will pay attention to quality.
Easy to Get Along With: This is very subjective. You should be able to get to know at least the project manager you will be working with. If you are only dealing with salespeople, then you are probably dealing with a bigger company than I want to work with.
Good Luck! With the right builder, it can be a great experience.


除非你自己真的在做很多工作,否则为你建造一座房子几乎肯定不会帮你省钱。如果你正在建造一些对你和你的家人都有好处的东西,那么它仍然是“值得的”。
我强烈建议那些有资源做这件事的人,并希望享受过程和结果。如果你能找到一个诚实、能干、与你相处融洽的建筑工人,那就更令人愉快了。
诚实:与你认识的曾与建筑商合作过的人一起检查一下。如果有必要,你可以查看他们的参考资料,但值得信任的是那些你已经认识的、与该建筑商有过业务往来的人。
能力:找一个曾经建造过类似房子的人。了解建筑商的标准质量水平。差别很大,质量水平高确实花钱更多,但建造“大而贵”的房子并不意味着他们会关注质量。
容易相处:这是非常主观的。你至少应该能够了解你将要与之合作的项目经理。如果你只和销售人员打交道,那么你可能是在和一个比我想要的更大的公司打交道。
祝你好运,找到一个合适的建设者,这将是一次很棒的体验。

Jason Xu, studied at University of Pittsburgh

Jason Xu,曾就读于匹兹堡大学

There are many sides to this question, and it depends on a number of factors. No one here is going to give you the same answer. The most generalized answer will be, it depends on where you live. Location is the one most critical factor in this whole equation.
Here in Pittsburgh we have tons of areas that are not really in great condition. They were on the down and out. When steel was strong here these homes were built and lived in. After the steel industry was moved to overseas many of the houses were abandoned. These areas there are tons of houses that were once nice, and could use some help to bring back to life but the actual replacement value is HIGHER vs the selling cost. This means if an insurance company were to insure the house, they would have to pay more than the purchase price if the house was destroyed. Some of these 3 bedroom houses sell for 5 grand. Tell me anywhere you can get someone to build a 3 bedroom colonial brick home for 5 grand and include the land. This is also the same case for places like Detroit.
Some other up and coming areas you are able to buy land cheap. However houses are selling pretty high, 300–400k range. Land may be around 50k. These pieces of land are getting snatched up quick contractors are dumping 150k in building a house and selling it for 300k.
It all depends on the area. Labor may vary but places where land are more expensive, people are more inclined to put more money into their homes since the renovation cost is a fraction of what the property is worth. Where as cheaper areas a major roof job maybe worth the entire purchase price of a home and the values wont climb at all.
“Building” also greatly matters on material costs, And also labor costs.
Too many variables to list.
Hope this helps.

这个问题有很多方面,这取决于许多因素。这里没有人会给你同样的答案。最普遍的答案是,这取决于你住在哪里。在这里位置是一个最关键的因素。
在匹兹堡,我们有很多地方的状况并不好。他们穷困潦倒,当这里的钢铁产业很兴盛时,这些房子被建造和有人居住。钢铁工业转移到海外后,许多房屋被废弃。这些地区有很多曾经漂亮的房子,可以通过一些帮助恢复生机,但实际重置价值比销售成本更高。这意味着,如果保险公司要为房子投保,如果房子被毁,他们将不得不支付比购买价更多的钱。这些三居室房屋中的一些售价为5000美元。告诉我你能在哪里找到人,花5000美元建造一栋三居室的殖民时期的砖房,还包括土地。像底特律这样的地方也是如此。
其他一些新兴地区,你可以买到便宜的土地。然而,房屋的售价相当高,在30-40万之间。土地面积可能在5万左右。这些土地很快就被抢走了,承包商在建造一栋房子时花15万,并以30万的价格出售。
这完全取决于面积。劳动力可能会有所不同,但在土地更昂贵的地方,人们更倾向于把更多的钱投入他们的房子,因为翻修成本只是房产价值的一小部分。作为更便宜的地区,一个重要的屋顶改动的费用可能值一套房子的全部购买价格,而且价值根本不会上升。
“建筑”对材料成本也有很大影响,还有劳动力成本。
变量太多,无法列出。
希望这有帮助。

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