If there is a real shortage of funds now, rent a house first, but once you can get enough down payment, buy it as soon as possible, and you can't delay it. Why do you say that?
Generally speaking, it is: renting a house is good or bad, buying a house is not good or good.
Let's talk about renting first.
The benefits of renting a house are obvious. There is no pressure in a short time, and you can live a life with a house as easy as blowing off dust. This man is the first step to make people live in a big city.
But renting a house also has three disadvantages, namely: first, it is not good, and the rent will rise rapidly; Second, the landlord often comes to misunderstand; Sanhuan seems to be unsuccessful in capital.
First, rents in cities will rise soon.
In recent years, their urbanization rate is getting faster and faster, there are more and more young people in cities, and rents are rising faster and faster, and rents are rising every year.
The continuous rise in rent is deeply felt in big cities. Now the rents in first-tier cities are very expensive, which is the result of these rising rents. This growth rate is very frightening. It is likely that most of the increase in your income will be paid by rent.
Second, you must be lucky to meet a good landlord.
Renting a house, if you meet a good landlord, you are still very lucky. If you meet a poor landlord tragically and all kinds of wonderful and embarrassing things are online, I won't say much.
Third, wealth growth seems to be a failure.
You rent a house and give all the money to the landlord. Many years later, the house will not be yours, and its value has nothing to do with you. Although you invest the remaining money after paying the rent in financial management, you will also find that in this era, any financial management method is not as high as investing in buying a house, so from two aspects, compared with buying a house, your bookkeeping probability is a failure.
Buying a house has four good things and one bad thing.
The first one is not good. Obviously, you need to invest a large down payment, and at the same time, you have to borrow money from the bank. Your life is under pressure at once. Financial institutions have loans, which is equivalent to tying themselves up. From now on, you can not eat or drink, but you must repay the monthly housing loan.
There are four benefits of buying a house: settlement, savings, anti-inflation and project investment.
First, you can settle down.
Just like renting a house, you can have your own city to live in, where people can rest when they are tired and have a habitat in the wind and rain.
The second best way to rent a house is to trade, and the monthly payment for buying a house is a deposit.
Renting and buying a house need to pay a fee every month, and both have a place to live. What is the difference? The difference is getting bigger. Since renting a house is a transaction, the repayment of buying a house is a deposit.
When renting a house, you give the money to the landlord. Many years later, the house will not be yours, and its value has nothing to do with you. However, the repayment of the house is equivalent to saving the money in the house price every month. After living for many years, you can sell your house, and your monthly payment is already included in the house price.
Third, buying a house has the property of resisting inflation.
Buying a house has an anti-inflation property, but renting a house does not.
I don't know if you have noticed that the face value of currencies in many countries is very large, such as Japanese yen and RMB, followed by many zeros, and the counting units are all ten thousand, one hundred thousand or even one million. Do you know why? It is inflation itself, which lasts for decades. If you don't open a new version of the loan currency, the face value of the coin will be particularly large.
In fact, inflation is a global situation, and so is China. Even without considering the appreciation of real estate, just avoiding inflation is already a great thing.
If you rent a house, you will face a constant rent increase. If you encounter hyperinflation, the rent will rise even faster. If you buy a house, you will also buy out the risk of rising rents and inflation for many years to come. As we all know, buying a house is anti-inflation.
Fourth, buying a house can get long-term investment.
China's basic national conditions determine the rising trend of house prices for a long time. If you buy a house, under the premise of living, the appreciation of the house will be strong for a relatively long time, that is, the investment attribute of the project is very strong. We often see a house that has lived for more than ten years, and the price is very firm when it is sold. This thing, or a high probability will happen.
Lease principle: "convenience standard"
But now there is really no money to buy it. I have to rent it. What should I do? This is a very realistic problem and we should accept it. So what should we do? At this time, you can rent it first, and then buy it when conditions permit.
In the case of renting a house, you need to follow a convenient standard, that is, the rented house should be conducive to your career development and income increase.
Remember, the greatest wealth of young people is time. Living near the enterprise can save a lot of time. This time can help you learn more knowledge and skills, do better, and accumulate more customers and contacts. Although you didn't have a house at this time, you invested in your project. In the long run, loving yourself is the best investment.
If you rent in a remote place, although the rent is lower and the house is bigger, it is not good for your work and rest. Your time and energy are wasted running back and forth, saving the rent, but wasting the opportunity of career development in vain, which is also the biggest waste.
There is a crucial investment suggestion, which can be that you live in not all.
Is that you can live in your own house. For example, if you work in Huaiyin District of Jinan, you don't have to buy a house in Huaiyin District of Jinan. I will buy a house in Huaiyin District or tianqiao district, and then sublet it to others and rent it myself in Huaiyin District. Although it is also a rental, your rent can be quite hedged with your rent. Most importantly, you can get on the bus early, lock the house price and enjoy the appreciation of the house. Generally speaking, it will be much better than waiting for a timely opportunity.
How much water does the bank have? Is it easier to approve your mortgage? Under normal circumstances, financial institutions will require borrowers to earn more than twice the monthly payment. For example, the monthly housing loan is 8,000 yuan, and your monthly income is at least16,000 yuan; If your income is insufficient but you have a partner, it is ok to add up your income to 16000 yuan or more. This hurt single dog invisibly.
It is not easy to deposit a bank memo. Financial institutions mainly look at the amount of deposits, especially the salary part of bank running bills, as well as their current and transferred cash flows. Therefore, it is better for the bank's daily account to ensure sustained and stable income, much higher.