Many people, especially young people, basically buy houses with loans and mortgages, because the unit price of real estate is too expensive now, and the total house payment is as high as several million. Many people have long loan periods. It’s very long, not because we are willing to do this, but because if the loan period is relatively short, we cannot afford the monthly payment. Based on a 1 million mortgage loan over 30 years, we need to repay at least 4,000 to 5,000 yuan every month. between.

Basically, the interest on housing loans has exceeded half of the principal due to the longer time. It does not mean that such a house is not worth buying, because the interest rates are so high. If the unit pays As for the housing provident fund, we can use the provident fund to borrow money, because the provident fund is more favorable than commercial loans.

Since 2006, the real estate trend in various cities across the country has been rising sharply, especially between 2008 and 2009, when the growth rate was the most ferocious.

Take our second-tier cities in the Northeast as an example. In 2008, the unit price of real estate ranged from 3,000 yuan to 5,000 yuan, but now it has exceeded 20,000 yuan in better places. It was more than 10 times higher, so basically all the houses purchased at that stage made money. Even if the interest rate was high, at least the unit price of the house also increased.

From the current point of view, it is unlikely that the real estate will continue to double, so if you buy a house as an investment, it is not recommended to buy it. If it is for living needs, it doesn’t matter how much money you spend, because you can buy this house. There will be no secondary sales. In itself, real estate is no longer suitable as an investment because the state has begun to vigorously regulate this aspect.