This is why the editor suggests that when looking for a job, you should not only look at your salary and payment, but also the house price. If you only have such a small salary, after buying a house, you have to pay off the mortgage every day. Sad, then what fun is there in your life? From the perspective of Xiaowei, the ultimate goal of our life is not to achieve great success in career, but actually to achieve a happy and complete family. But when we take this step, do we think of these? , do we still hope for future appreciation and salary increase, become CEO, and pay back the house price? What a beautiful dream! !
1. The monthly mortgage payment is almost as much as your monthly salary
Think about how much housing prices are in Beijing, Shanghai, Guangzhou and Shenzhen. Shenzhen is almost 70,000 square meters, so expensive house prices, you are thinking about your salary. Even if you repay the down payment, but your subsequent installments, repaying this money will crush you to death. Some people will say that the couple will repay it together, okay, one person is responsible. One person is responsible for the mortgage loan, so why don’t you save any money? If you don’t invest in your children’s education, the money you spend on them can be said to be no less than the money you need to spend on a mortgage. At this time, your life will naturally be very tight. It will take more than ten years to repay the mortgage, and you will have to live a hard life. After more than ten years of living frugally, my God, will you be happy in this kind of life?
2. No matter how good the mentality of people with long-term high-pressure mortgage loans will be wiped out
Maybe you are full of hope for life, maybe you are full of longing for life, maybe you are full of confidence in the national economy, But after you have been under this kind of high-pressure mortgage loan for several years or decades, you will find that your life is so gloomy. Why is this happening to you? This is actually your original choice. Sometimes your good attitude , may be very irritable and obliterated by this kind of pressure. If you look at the domestic violence situation in big cities, how many of them are caused by excessive family financial pressure. It is true that adversity makes people grow, but it is not entirely like this. Yes, long-term adversity will consume a person's fighting spirit, consume a person's confidence, and even change a person's personality.
3. You will feel jealous when you see the living conditions of second- and third-tier students
Why go to first-tier cities? It’s because there is development in first-tier cities, but when you are burdened with high-pressure mortgage loans every day Sometimes, you find that your classmates in second- and third-tier cities have a better life than you. Some of them have higher salaries than you because of promotions and raises, and their mortgages and housing provident funds are taken care of. In this case, everyone will be jealous. Psychologically, not to mention that you are originally working hard for a successful career and working hard for family happiness, but you are not as good as the people in second and third tier cities. Do you think you can make people happy? Everyone has to show off. Psychologically, especially if you are from a first-tier city, when you find that you have no capital to show off, you will be deeply shocked.
4. Sometimes it may be appropriate to settle for the second best and the sky is brighter
Instead of trying to live on the front line, it is better to focus on the second and third lines. The third-tier cities can prosper. In this case, you should first solve your mortgage problem. However, some second- and third-tier cities may actually give you settlement allowance or something based on your experience. At this time, you can temporarily return to the second- and third-tier cities. Cities may be a new kind of life. Don't think that first-tier cities can make a living and house prices can be lowered. There are so many people in first-tier cities, but only a few are really profitable. Lowering house prices is even more impossible, unless there is a massive exodus of people from first-tier cities. But is there? So don't have such unrealistic hopes.