How many years have I forgotten that the loan time is long, haha.

In 2008, I bought the first suite in the current third-tier city, when I was 26 years old.

My parents paid me a down payment of 60,000 yuan, with a total price of 1.4 million. I'm here to pay back the loan. At that time, I borrowed it for 20 years and only paid back 600 yuan a month. As a little girl, I thought it would take me more than 40 years. A long time.

At that time, six or seven hundred dollars was affordable for me. The monthly salary ranges from more than 2,000 to more than 5,000, and there are always so many loans. Instead of being a slave, my life is getting more and more moist.

When I first moved into my new home, there was nothing. A house of 67 square meters is too big. When I put my clothes in the closet, I felt very happy. Don't mention it. Finally bid farewell to the simple wardrobe, underwear and socks have a special place to put, no longer have to worry about the landlord selling houses and increasing rents!

At that time, I really didn't understand the time value of cash, but I felt that the income would be higher and higher.

I am a girl. My parents are distressed that I want to rent a house alone in a different place. They are always moving and losing things, so they bite their teeth and help me pay the down payment. I really appreciate their selfless contribution to me.

In the summer of 20 12, I bought a car with my own money, Volkswagen POLO, and achieved the goal of buying a car ahead of schedule.

August 20 13, I decided to work in Beijing. I was 3 1 year-old. The opportunity is that I met my husband's boyfriend at that time when I was 30 years old, and the company also had the opportunity to work in Beijing Group. So I sold my car, packed my bags and went to Beijing to start renting again.

September 20 13, my boyfriend and I went to see a real estate at the junction of Beijing and Tianjin. House prices are very low. After reading it, I paid a deposit with the money I sold the car. My boyfriend and now my in-laws are stunned, haha.

I made a decision and immediately went home to buy a house after signing the pre-sale contract. The house of 654.38+0.4 million was sold for 330,000, and the loan balance was 55,000. The house payment I got was 275,000 yuan, and I paid my parents 6.5438+0.5 million yuan, leaving me 6.5438+0.25 million yuan. I used part of my savings to persuade my boyfriend's family to buy two houses.

The full amount will allow me to settle in Tianjin, and my boyfriend will take out a mortgage, which will be paid off in 30 years.

2065438+April 2007, we rented a one-bedroom apartment outside the East Fourth Ring Road, and the rent rose to 7000. At that time, I decided not to rent it, decorate it and live in my own room!

Now we live in our own room. My husband drives an hour to work in Beijing's West Third Ring Road. The mortgage is 3,000 yuan per month, but the house price has tripled. After selling this idle property, in addition to the loan, it can be reduced by more than one million.

I feel very happy, don't you think?

My lovely little family, which has lived for three years, is getting more and more comfortable.

I think I have a say in this question.

How can I put it? The down payment is 40, the loan is 4 1, and the monthly payment for 20 years is about 3600.

When I bought a house, I was making trouble and didn't think too much. I don't think the monthly payment matters.

At that time, the down payment was not enough and I borrowed some money. Two children are studying in other places. Business has been bleak in the past two years, and my wife's salary is only enough to live on.

The family is very poor and dare not buy anything.

I have to worry about loans every month.

Originally, the relationship between husband and wife was very good, and because of the tight days, there was often friction.

In short, it is the point that we are bored with each other.

In fact, I bought a house for my children to go home to school in the future. It will be several years before it can be used.

Now because of the children, because there is no money, the relationship is really on the verge of breaking down.

How can I put it? The main happiness is not happiness, happiness is linked to money.

Don't say that women don't covet your money. That's true, but a family really can't live without money.

So loans have nothing to do with happiness, but mainly with money. When you have enough money, you won't feel that there is a problem with the loan for many years.

Happiness or happiness.

If not, a five-year loan will break up your wife and children.

hope this helps

The house bought by loan, 20 years, with a down payment of more than 500 thousand. The loan is 20 years, and the monthly payment is almost 3000 yuan.

For me, at the beginning of the loan, it was still a little stressful. Because the down payment of more than 500 thousand is also patchwork, I borrowed a little money from my relatives, plus I have to pay back more than 3000 mortgages, which really feels a lot of pressure. But it gives me the motivation to live, requires me to work harder and make money, and also gives me a purpose in life. In China, only when you get married can you feel at home and feel the warmth of home. The moment I got the room book, I felt very happy, and all the previous efforts were worth it.

Through the efforts of husband and wife, we paid off the mortgage in advance in the fourth year of buying a house. The moment we returned home after paying the mortgage, we felt that the house was completely ours now.

The process of repaying the mortgage is painful, but it is also happy. It records the process of your struggle. Come through thick and thin [yi tooth]!

Tired happiness.

The house I bought in April, 65438+2009, with a monthly mortgage of about 5700 yuan, basically spent all my savings and my daughter-in-law's savings. However, at that time, the income from work was still stable, and the pressure of mortgage of 8 thousand a month was still not great. At that time, I was still watching kindergarten, and my daughter should be going to school soon.

But the epidemic suddenly stretched everything. I resigned years ago and haven't been to work since 20 years 1. Exercise at home, read books and recharge, and talk about projects to be done after next year. My daughter-in-law wants to take a weekend off to send her children to school, and she also chooses to leave her job at the end of the year.

The arrival of the epidemic, no work income, four months, 32 thousand hard work, let me panic at once.

The epidemic eased slightly and I started looking for a job. I expect to start this project safely and then put it off. After all, I have emptied my pockets when I buy a house. My parents are farmers, and I don't expect my family to pay. I just want my parents to be healthy.

The house was loaned for 30 years, and everything was normal before the epidemic. The epidemic is really confusing. But on the whole, I am still happy. My parents have a place to live without looking at the landlord's face. They often move, and their sense of stability and happiness has really improved a lot.

Generally speaking, buying a house with a loan depends on personal planning and economic income. After all, my honey may be each other's arsenic. Only by doing what you can, can you move forward with a heavy load and not be tired.

I will live happily and be happy to answer questions!

Nowadays, many people choose to buy a house with a loan, because the house price has risen sharply now, and many people can't afford so much money to buy a house at once. Loans can ease the economic pressure in the early stage of buying a house, but the way of repaying loans is very hard. Every month, they spend money on daily necessities, water and electricity. If you have a child, you have to pee with milk powder. If you are older, you have to repay the loan. People with low incomes basically have to pinch some money every month. This is definitely a day.

Most people don't have a house and feel insecure, so they feel very tired every month, but they are very happy and full, so these people still feel very happy.

Therefore, happiness depends on your own mentality. Some people are poor, he is happy, some people are rich and he is unhappy. As long as you think what you do is worthwhile, do it!

Hello! I am 35 years old. I bought my own house last year, and now I am quite satisfied. Although I owe a lot, my family of four has a nest and is quite happy.

I bought two suites, with a total loan of 6.5438+0.32 million, and commercial loans, with interest rates of 5.65% and 5.85% respectively, nearly 8,000 yuan per month. I bought two suites not because I had money, but because I had expected to work in area A, bought a suite in area A, and was later assigned to area B, and bought another suite in area B. The one in area A was less than two years old and was not suitable for sale, so I owed a lot of debts besides loans. I'm still very happy to have my own house, but I'm very unhappy when it comes to repayment date!

In my opinion, happiness is not necessarily related to loan amount and loan period. Happiness is a subjective feeling and the difference between personal expectation and actual experience. The lower the expectation, the better the experience, and the happier people will be; The higher the expectation, the worse the experience, and the less happy people are. If people want to be happy, they should lower their expectations, at the same time, they should redouble their efforts, accumulate more wealth and constantly improve their life experience.

The amount and length of the loan will affect the life experience to a certain extent, and it is very likely that you can't enjoy the life you want and do what you want with the loan. How to reduce this influence, my suggestion is to strike a balance. All life experiences are diminishing marginally (your happiness from never having a car to having a car is stronger than your happiness from golf to Audi A3), so solve the problem of existence first, and then solve the problem of being good or not. I think, with limited income, buy a smaller house, borrow less, and have a nest first. Then, work hard, increase your income and slowly change to a bigger and better house.

Before the loan, no matter how it is calculated, everyone thinks that 3000 yuan per month is not a problem.

After the loan, in the first year, I felt that the days were good and I played as I should.

In the third year, I dare not buy big things casually. I changed my mobile phone and stopped watching the latest and best. I found that the 92 # oil in my car can also be used. It seems that it is not much different from 95, only 50 cents cheaper. Only then did I find that many people did not buy motor vehicle insurance.

In the fourth year, children will go to kindergarten, buy no more than 20 cigarettes, and barbecue beer crayfish has been gone for a long time. Afraid of hearing the news of weddings, funerals and happy events.

In the fifth year, we started to keep accounts, and the WeChat group no longer gave people more than 1, preferring to take the subway and let the car eat ash in the parking lot …

In the sixth year, … many anxious questions made me more anxious.

It's really tiring to raise children while paying the mortgage. It's really tiring to repay the loan every month to support the family and raise the children. This is probably the poorest day I have ever had since I was a child. But poor enough.

Nowadays, most articles are persuading people to buy a house, as if buying a house will naturally become a winner in life, and there are many pushers who encourage house prices to rise and create panic. When I talk about my feelings, I also want to remind future generations that a house is just a house, which can solve many practical problems, but not all.

In short, when buying a house, you should remember that the house is for living. If you have the idea of "must buy", buy it, but the monthly payment should not exceed 1 of the total salary of husband and wife. The more you exceed it, the greater the pressure of life. This should be considered clearly. If you hold the idea of "earning while buying" and expect more dividends when house prices rise, and then you have to borrow all kinds of money to pay the down payment, then don't toss about. If the day when the house price collapses really comes, the rooftop will be crowded with these people. House prices are getting higher and higher, especially in places like Shenzhen and Guangzhou. How long have you been fighting for the house? What kind of efforts have you made?

I bought a house on 17, when the National Day holiday soared and it was hard to find a room.

Loan 1 10,000 yuan, 6,000 yuan less each month. Without pressure, it is a lie. If you want to say that you are happy, it depends on your mood and what you compare with.

After buying it, I feel happy to see the house price rise, or to improve the living environment and solve the problem of children going to school.

However, I still complain a little when I need to repay my mortgage every month. I feel that I have worked in the bank all my life and dare not spend any money casually. I need to get the mortgage first every month, and then plan my expenses by looking at the balance. It's best to save a little money every month for a rainy day.

But maybe that's life. If you want to live a good life, you must work hard by yourself. Unless you have good parents, you need to rely on yourself, and there will be no pie in the sky.

You can watch my latest video, which is the history of blood and tears when I bought a house.

I'm almost 28 years old this year, because I want to take my parents to live with us. We pooled our money with our parents and gave a down payment for the second suite. However, my provident fund loan did not come down. Since the provident fund has not been lent out, we have to borrow money through business. The interest rate of the second-home commercial loan has exceeded 6%. Now we have to pay back more than 5,000 yuan in loans every month, and my husband and I only earn about 8,000 yuan a month.

We were caught off guard because the monthly mortgage suddenly increased by more than 3000 yuan. Disrupted many original arrangements. Like taking care of children. Now I spend money very carefully, I don't go out to eat at will, and I have no plans to buy clothes. The economic pressure is great!

However, we should be considered as one of the mortgage situations. If your income is used to pay off the mortgage, there is still a lot of surplus. In fact, your quality of life will not be affected. But as we are now, mortgage has accounted for half of our income, and we also borrow money from relatives and friends. In this case, we will inevitably feel pressure and lower our happiness index. The only idea now is to open source and make more money.