Some people say that renting a house is to repay the mortgage for the landlord. This statement is untrue. You know, houses have property rights restrictions. Generally only 70 years, 70 years is only the land use period. Therefore, developers often build houses here and sell them to consumers after taking this land. We may only be able to use this house for about 50 years.

In 50 years, the landlord needs to repay the mortgage, which may be as high as 30 years, so it is not cost-effective for the landlord and more cost-effective for the tenant.

Rent a house for fifty years

Take Guangzhou, Guangdong Province, where I currently live as an example. An ordinary house in the downtown area is about 1.20 square meters, and its rent is about 1 10,000 yuan per month, and the annual rent is about 6.5438+0.2 million yuan. According to the current rent level of 30 years, it will be about 3.6 million, and it will be 6 million in 50 years.

Repay the loan for 30 years

The house price is about 70 thousand. If paid in one lump sum, the price of the house will be around 8.4 million yuan. If installment payment is adopted, 30% of the down payment will be paid first, and the subsequent expenses will be about 1: 1 to pay the principal and loan. At this time, the cost will be very large, about150 thousand. The service life is generally about 50 years, so 6 million is 9 million less than150,000. You can imagine how big the gap is.

Renting a house is more cost-effective than buying a house

So renting a house is much more cost-effective than buying a house. It is totally untrue to repay the loan to the landlord. On the contrary, the landlord seems to be repaying the tenant a loan at his normal rent. But this statement is obviously not true, because there are too many landlords who can choose to rent a house.

Because there is no shortage of houses for rent in most big cities, landlords can't find tenants, and the phenomenon of idle houses is becoming more and more common. Mainly because the cost of living in big cities is getting higher and higher, many people find it difficult to get a foothold in big cities, and finally choose to return to their hometown or go to small and medium-sized cities for development. In the end, many people fled the first-tier cities such as Beishangguang, resulting in fewer and fewer residents here, which is also a bad phenomenon for the landlord.

So don't think that buying a house is a loss. It is very wrong to rent a house instead of renting it. Because there is a huge bubble in the house at present, renting houses is in a state of market balance, and the gap between them shows how big the bubble is.