I was born in Anhui in 1993, and now I am wandering in big cities. I have been in this city for seven years. A few years ago, I didn't have a house, but I rented a house.
When there is no house, renting a house always gives people a feeling of relying on others. After communicating with friends, I will definitely talk about the house. After a few pleasantries, I will ask each other where they live. If you don't have a house, you have no confidence to chat with others.
In order to alleviate this embarrassment, I decided to make a bold move and raise money to own a house in this city. I was a little excited when I first bought it. After all, I finally have my own home in this wandering city, thinking that I am still young, work hard and will live better in the future. This was the original idea, and although it was idealistic, it persisted.
After deciding to buy a house, the first important thing is to settle down and the loan will be settled in the city. My hukou has been in my hometown in Anhui. I didn't think about moving my hukou before I went to college. Later, I was busy with work, which delayed this matter. I didn't know I wanted an account until I bought a house.
At that time, I was busy with work and it was not easy to settle down in a short time, but I persisted and ran several times with my teeth clenched, before I moved my household registration and settled my house within three months.
I bought the first suite in this city with my salary and my parents' savings. The total price of the house is nearly 2 million, and the mortgage has been done for 30 years, and the monthly mortgage is nearly 6,000.
Mortgage is a big expense for me. It is easy to buy a house, but difficult to supply it. At that time, the monthly payment calculated by sales was only a monthly payment, and there were still two years before the delivery of the house. During this period, there is also the cost of renting a house, as well as all kinds of human money, car maintenance money and loan money. Occasionally take a sick leave to go to the hospital, and there is basically no money in my hand.
When I started to pay the mortgage, I was annoyed because I never had any money left in my hand. I used to spend money lavishly. I have no special plans for money. I want to spend it when I get my salary. Now that I have a mortgage, eating is a problem, let alone going out to play. At that time, my heart was falling apart, and it was hard to accept this stingy life.
However, I gradually adjusted my mentality and gradually adapted to this kind of life. I have been on a diet since then. You don't have to buy clothes and shoes. I usually cook by myself, as long as I don't work overtime. If I don't go shopping, I won't go online because online shopping is cheap.
Now that I have paid off my mortgage for five years, I feel that my mentality has changed after buying a house. I feel that I have really grown up and have a strong sense of responsibility. I won't spend money recklessly. I only buy necessities, and I have the motivation to learn. When I think of so many mortgages and the problem of parents providing for the elderly, I feel that I have a great responsibility. I must work hard to improve myself so that people will be more motivated to work hard.
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I give my example to show that the loan is not terrible, just like my mortgage, it has become my motivation.