On the day of moving to a new house, all your friends came to celebrate and said, brother, I admire you! You finally have a room! I said, "Yes!" My 30 years of youth will be given to this house in the future. Thirty years! The best 30 years of life, how many 30 years of life!
Change a cement box in 30 years, change a house with my youth, and you will become house slaves. Are you also happy?
Look at the real life of Tianya Tiefang slave!
Landlord: Happy Catfish:
Since the loan, our life has undergone earth-shaking changes for the sake of the house. Get up early every day, get up at 6: 30 to catch the bus, eat only two for breakfast, and dare not drink milk. Never take an air-conditioned bus, it will be cheaper by one yuan, and it will never be as easy to take a taxi as before. When I go to work for dinner, my colleagues order a set meal above 10. I always go to Lamian Noodles to eat fried rice with eggs for 5 yuan. Before buying a house, my wife and I usually eat in restaurants outside. Now, we all go to the vegetable market next to the community to buy food and cook by ourselves, which can save a lot of money. I used to smoke, but in order to save money and repay the loan, I gave up smoking. My wife and I are afraid to buy new clothes, watch movies, buy snacks and travel. The mobile phone has been used for more than four years, and the battery is dead after a phone call, but I still can't bear to change it. In this way, we live a miserable life every month.
Landlord: Guangzhou 20 10 Come on.
I didn't feel Yali in the mortgage before. This time, I felt the pressure increase sharply. Monthly mortgage 1. 1.00 million, car loan 1.00 million. With the monthly payment of 25,000 yuan, I need to pay back 46,000 yuan every month. Alas!
Landlord: Qingdao Nuoen
I am a nonlocal registered permanent residence. I have worked for 24 years this year and saved 1.2 million. If you borrow money at home, you can borrow more than 200 thousand, all of whom are ordinary people. A down payment of 300,000 is enough. A promising house can pay about 500,000 yuan, and it has to pay off debts of 654.38+0.6 million yuan. The bearing capacity is too poor, and it is more than 65438+100000. I mean, I don't want to sell it. Why should I spend so much money and get into so much debt? But my partner can't. I want a loan, and I want to pay 500 thousand in advance to buy a house. If I don't buy, I can't afford it. I said that Qingdao will develop better in the future, and I can't afford it after the subway passes. I have to buy it now, and I can't put it off until 65,438. It's really tangled ~ I feel that our parents are going crazy! I went to school a few years ago, but I don't understand. I'm not sure if I want to stay in Qingdao. I didn't buy it before the house price grew. Our parents are far from Qingdao. They are all at the bottom, they don't read much, and they didn't expect to invest in buying a house in advance. I feel it is unfilial to force my parents to borrow money like this, but if I don't force it now, I will spend more money to buy a house in the future! If you go back to your hometown, your income will drop by half, and you won't have a job when you go back ~ The road to life is so difficult ~
Landlord: u 1 12637025
At the age of 37, he lost his job for three years and finally sold his only house in Shenzhen.
I was born in 8 1, and my hometown is a provincial capital city in the west. I graduated in 2002 and was recruited by a well-known communication enterprise school to work in Shenzhen. My income is fairly stable. My basic salary has just graduated, ranging from 5000 yuan to 20 15000 yuan in 2004.
I worked in this company for 12 years in one breath, and finally I felt like a trapped bird, lost my freedom, hopeless to rise, and repeated my work all day, just like a machine. He resigned from naked resignation in 14.
Family and assets:
Married in 2008, with two daughters, born in 12 and 14 respectively. The wife is a full-time mother.
In 2008, I bought a house in Nanshan District, Shenzhen, with a loan of 6.5438+0.8 million yuan and a monthly payment of 7,000 yuan.
About 200,000 vehicles.
14 took a break after leaving the company, and later found it difficult to find a suitable job. As an IT worker like me, my age is very embarrassing, and many companies are reluctant to recruit young people over 35.
The same physical strength is not as good as that of young men in their twenties, and their enthusiasm is not as good as that of young men in their twenties. It is difficult to manage (not brainwashing) and their wages are high. If you were the boss, would you want such an employee?
So I began to lose my job at the age of 34, and this unemployment is three years!
I often regret the impulse at that time, so why can't I bear it? I have at least one job in the company.
In the past few years of unemployment, taking care of children at home, reading books and traveling have really made me feel a real and free life. This is what life should be like.
However, what makes me feel more and more stressed, needless to say, is economic pressure. After eating old money for several years, it is still empty.
So I discussed with my wife and we sold the only house in Shenzhen.
When a buyer found us at 17, we finally clinched a deal at a price of nearly10 million, and with the loan, we got 8 million.
I am so excited to get such a large sum of money at one time. This year, I bought 2 million sea view rooms in Huizhou, 1 10,000, and went back to my hometown to buy a degree room for my daughter to go to school. My hometown 15 bought it with family money, and the price has increased by 40% this year.
We put the rest of the money in the bank as wealth management products, and we can earn more than 10 thousand a month, which basically meets the daily expenses of our families.
However, what makes me insecure is the state of unemployment. Attempts to start a business in recent years have all ended in failure.
I feel that making money just for the sake of making money (work, starting a business) is bound in the end. Without freedom and happiness, it is no wonder that successful enterprises have tall corporate ideas.
However, at the age of 37 and unemployed for three years, where will I go?
Landlord: Tai Tingxiang 1
Just bought a 43-square-meter house in Chengdu. Tongzilin subway entrance is 400 meters. 70 years of property rights, no natural gas. The down payment of 470,000 yuan is 290,000 yuan, and the loan is 6.5438+0.8 million yuan.
I am a teacher in the small county town of Sichuan Line 5, and my son is 10 years old, preparing for his graduation from Chengdu University in the future. Because my hometown has a provident fund loan, it is a second suite with a down payment of 60%. I had hoped to buy a bigger one, but I couldn't get a loan, so I had no choice. Whatever.
/kloc-In 0/5, I bought a small apartment of 33 square meters in Tianfu New District, and now I bought another 43 square meters, which adds up to 76 square meters. 12 later, my son graduated from college, and two younger ones were sold. I borrowed some money to buy a two-bedroom apartment. At least my son prepared a down payment in Chengdu.
Landlord: buying a house in Beijing
The down payment has been paid 100 square meter, and the loan is prepared 100 million, which may be 20 years or 25 years. Record this life experience of repaying loans under huge debts that I never imagined before. I hope to stick to it.
General situation of the house: outside the Fifth Ring Road in Beijing, hardcover, forward delivery house, delivered in 10 year, unit price 1 0.5 million, total price10.5 million, down payment of 300,000, loan10 million. Prepare a portfolio loan. Under normal circumstances, the provident fund can lend 800,000 yuan, and the remaining 200,000 yuan can be used for commercial loans.
Loan period: I don't know how many years I can borrow because I haven't signed the contract yet. I hope I can do it for 25 years, so I can pay back 5 thousand a month, and the pressure is less. After 20 years of work, I still have to pay 6.2 thousand a month, which is very stressful.
Down payment: 500,000 yuan down payment, 400,000 yuan self-owned funds and 6,543,800 yuan loan. There is still 1.5 million in the stock market and 60,000 in the provident fund account.
Income: My annual salary is 6,543,800 yuan, and the bonus is uncertain. I temporarily calculate it as 50,000 yuan, totaling 6,543,800 yuan+0.5 million yuan. My husband's job is unstable. According to the current probation salary, the annual income is 65,438+10,000, and the bonus is uncertain. The income from stock trading should be conservative at 50,000. The total for the whole year is 300,000.
Loan repayment risk: according to the 20-year loan of 6,543,800+0,000 yuan, the loan repayment is 62,000 yuan per month and 74,000 yuan per year. Once my husband loses his job, I will repay the loan alone, plus the child's monthly expenditure of 2,000 yuan, which is very stressful.
The word "house slave" is one of the new Chinese words 17 1 published by the Ministry of Education in August 2007, which means house slave. "House slave" refers to mortgage to buy a house, an urban resident. In the golden age of their lives, they repay the loan principal and interest at a rate of 40% to 50% or even higher of their disposable income every year for 20 to 30 years, which causes long-term pressure on residents' family life and affects their normal consumption. Buying a house affects one's education expenditure, medical expenditure and support for the elderly, which reduces the quality of family life and even makes people feel enslaved. As a new word, "house slave" became popular in April 2006. From 2005 to 2006, house prices were rising, and low-priced buildings could not be found in the market, which caused many buyers to bear a heavy burden of repaying loans. At the same time, the interest rate hikes announced by the central bank in 2004 and 2006 further aggravated people's worries about the further escalation of the mortgage burden. The double worries about high housing prices and high interest rates led people to worry about working for banks like slaves, so the term "house slave" came into being and became a symbol of the real estate bubble.
Friends, will it be easy for you to be house slaves on 20 18?