Down payment (debt 30%)+ loan (debt 70%)= house (assets 100%)

The mortgage is fixed, and the house as an asset will appreciate and shrink. If the house price rises slowly, with the shortening of the repayment cycle, the proportion of the remaining mortgage in the real estate valuation becomes smaller, and the value of the house is higher than the total amount of the remaining mortgage, then it is an asset. If it is only if, on a certain day, the house price goes down and the house has begun to be insolvent, then it is obviously negative assets, then it is liabilities.

Extended data:

Matters needing attention in buying a house with a loan:

1. Pay attention to the financial affordability of the family. It is suggested that one spouse should bear the mortgage and the other spouse should live for a lifetime. This is the best. Excessive loan amount will affect the quality of life.

2 loans are divided into pure provident fund, pure commercial loans and portfolio loans. If conditions permit, it is best to choose a pure provident fund loan. The interest rate is much lower, and the repayment can be deducted directly from the provident fund, which is convenient.

The choice of bank loan depends on many aspects. Usually choose the big banks with the highest interest rate concessions and certain strength.

The personal credit of the bank is very good, and it has a stable income. At that time, it was necessary to provide proof of income stamped with the official seal of the company, at least twice the monthly repayment amount.

5. When buying a house with a loan, you should also pay attention to how long it takes for the bank to approve the loan amount applied. It is best to ask the bank if you are in a hurry to buy a house.

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