1. Is it worth paying your mortgage for the rest of your life?
I always thought I would spend most of my life? Pay the mortgage? Just to find out I'm guilty. There is not much time in life. If you don't enjoy your time well, why use a mortgage to add stress to your life? So I always think this kind of behavior is not worth it. Until later, I chatted with a big brother and talked about this topic. His words finally woke me up.
My eldest brother told me that when he was 30, he bought his own apartment. The monthly mortgage is 3,000 yuan, and the loan period is 30 years. Although it seems that there is a lot of pressure every month, because he is married and has a family and children, the family needs to support itself, and part of his monthly salary has to be paid off. In addition, children have to study when they grow up, and the pressure is not small. But my eldest brother told me that he thought his house was worth buying. Although it was a difficult time, once he got through it, he would find his life more comfortable.
My eldest brother told me that he also had the idea of not buying a house when he was young. He thinks it's better to rent a house. There's no pressure. He can do whatever he wants, but it wasn't until later that he calculated an account himself that he clearly realized that renting a house all the time is a kind of? Lose money? Buying and selling, the monthly salary, is generally given to the landlord. If you continue to rent like this, you will find that you have rented it for twenty or thirty years, and finally you have nothing and no money. In fact, buying a house is only a form of replacing one's own property, so even a loan to buy a house is worthwhile.
In addition, the currency has been depreciating in recent years, but prices are still rising. According to the current mortgage interest rate and currency depreciation rate, the mortgage will be more cost-effective, and the future salary will increase with age, so the pressure to repay the loan will gradually decrease. Therefore, the pressure in the early stage of buying a house is only temporary, and it is a very short period. When we get through this period, natural life will become easier and we will have a house ourselves. So buying a house is from the perspective of long-term interests, which seems to be useful on the surface? Half my life? But what you actually get is a lifetime, so it's worth it!
After listening to these words, I have a new understanding of buying a house with a loan, so there is no need to buy a house earlier if it is really necessary. what do you think?
Second, what should I pay attention to when buying a house with a loan?
1, pay attention to the family's financial affordability. It is suggested that one of the husband and wife should bear the mortgage and the other should bear the economic expenses, so yes, too high a loan amount will affect the quality of life.
2 loans are divided into pure provident fund, pure commercial loans and portfolio loans. Conditional choice of pure provident fund loans, low interest rates, repayment can be directly deducted from the provident fund, convenient. However, the requirements of provident fund loans are relatively high, and the loan amount is applied according to the monthly repayment amount, and the house needs to have a fixed number of years. Some old second-hand houses are not allowed to lend. Commercial loan terms are relatively wide.
The choice of bank loan depends on many aspects. Generally, large banks with favorable interest rates and certain strength are selected.
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. There are many repayment methods, such as equal repayment and equal principal repayment. The loan term is 30 years. Second-hand housing loan period is calculated according to the construction time. Some second-hand housing loans have a short term. Please tell me the bank.
Third, how to decorate the living room after buying a house?
1, the living room layout should be smooth. Whether it is a side-passing living room or a mid-span living room, it is necessary to ensure the smooth access to or through the living room. Of course, this kind of guarantee is formed when conditions permit, so we should pay attention to these problems.
2. The living room furniture should be suitable. The furniture of the living room should consider the applicability of family activities and the applicability of staff. The main consideration here comes from the use of the elderly and children, and sometimes we have to make some concessions for their convenience.
3, the living room should be the whole room, the light (whether natural lighting or artificial lighting) is bright, of course, this brightness is relative. Maybe you don't need bright light in some practical activities (such as watching TV), but in other daily activities, light is indispensable.
The above is an introduction about whether it is worth paying off the mortgage for the rest of your life. Before buying a house, you must make relevant preparations, choose a suitable house according to your own needs and economic ability, and consider your own repayment ability to choose a suitable repayment method to avoid causing too much pressure and burden to your economy.