When it comes to buying a house, the most talked about is the price or area. For example, how high is the house price this year? How much did you earn from the house you bought the year before last? Is it a three-bedroom or a four-bedroom house? But recently I heard from fans looking for a house that you should also pay attention to your age when buying a house. It is best not to be over 35 years old. Buying a house turns out to be related to age. Today I will talk to you about the suitable age for buying a house.
Zhizhi Think Tank consulted various data and found that the average age of Chinese home buyers is only 27 years old, and first-time home buyers are getting younger and younger. Buying a house has become a necessity for everyone. The salary of newly graduated college students and graduate students is not very high. They have to pay rent and various living expenses every month, and the remaining money cannot cover the mortgage loan. After working for several years, they are faced with the problem of getting married at the age of 27 or 18. Under the pressure of their mothers-in-law, young people of working age will empty their six wallets to buy a house.
If young people have the ability, they can choose to buy a house earlier, because a house can not only give themselves and their family a sense of security, but also have the function of maintaining and increasing value and resisting inflation. So why is it recommended that everyone should not be over 35 years old when buying a house?
First of all, let’s talk about the marriageable age above. Although people in their twenties and seventies have reached the marriageable age, it is still very common to get married after 35. If you haven’t bought a house at the age of 35, your values ??are getting worse. The more realistic the situation will be, the more it will affect your search for your partner.
Secondly, from a policy perspective, there are still very few people who buy a house with full payment. Most of them need a loan to buy a house. Most banks stipulate that the maximum period of mortgage loans cannot exceed 65 years old. Only a few Banks will be more lenient in lending until you are 70 years old. The mortgage term is basically 20 or 30 years. If you are under great pressure to repay the loan, choosing a 30-year mortgage means you have to buy a house before the age of 35. Otherwise, you will not be able to apply for a mortgage if you are over 65 years old. After all, when you are in your sixties, it will be difficult for you to not worry about monthly payments like you did when you were young.
In addition, judging from the property market in the past 20 years, it is easier to buy a house early, but the price will be higher if you buy it later. As for whether housing prices will rise again in the future, it is still under control from the current perspective. If you want to buy a house, you can guarantee that it will not rise too much in the short term. But in the long term, when will the price bottom? and rebound points are difficult to predict.
The earlier you buy a house, the sooner you can move in and enjoy the feeling of home. If you have a house, you will have a guarantee. If you don't buy a house before the age of 35, it will be more about saving money. Even if you finally save enough to buy a house, you will be old and your best years will be gone. The older I get, the less motivation and vision I lose.
Although the earlier you buy a house, the better, but you must also consider your own financial strength. If conditions permit, you can buy a house before the age of 35. If your family's financial support is not available, it is not too late to buy a house at the age of 40. When it is not enough to buy one in first-tier cities, it is also good to buy one in second-tier, third-tier cities or surrounding small cities. But don’t invest all your savings in buying a house and affect your life and family relationships.