It is said that the current housing prices are getting higher and higher, especially in recent years, the real estate speculators have speculated the housing prices to an unprecedented height. Some friends think that after paying the down payment, the monthly mortgage can hardly be paid. Just like a monthly salary of 4000 yuan, if you buy a house, you have to pay back 2800 yuan a month. There is really no need to buy a house.

After paying off the mortgage, there is basically little left, and personal life cannot be guaranteed. In real life, if you want to stay for a month, you must have a living allowance of at least 1000 yuan to meet your daily expenses, as well as water, electricity, mobile phones, gas and other expenses. Therefore, the salary of 4000 yuan is 2800 yuan, and the mortgage is still 1200, which is not enough for daily expenses. There is no need to buy a house in this state.

If you really want to buy a house, you can choose this way The house itself is an asset. If in this state, it is not an asset, but a liability. If you want to reduce your debt, you must lengthen your mortgage time relatively. After the extension, the monthly repayment price will be reduced. But in the end, the total effort will be much more than it is now.

If you really want to buy a house, you can still do so. If the previous method doesn't work, I can first ask whether commercial loans can be converted into provident fund loans or mixed loans, which can reduce the mortgage price and minimize the monthly mortgage pressure.

In addition, you can also ease your repayment pressure by renting. Of course, this method can be rented out before marriage. If both people want to live in it after marriage, then this method can't be used. Similarly, both husband and wife can repay the loan together, so that the economic pressure will be less.