With a monthly salary of 3,000, I just need to buy a house in the face of blind date. Seeing the soaring house prices, I have to consider buying it. Unexpectedly, because I was young before, I didn't meet a girl who asked me to consider buying a house. Now that she has appeared, I must think about the future. So, my life began to have programs, and I went to major agencies to see houses.
There are two reasons why you can't afford a house. One is that you can't afford a house or a mortgage. The second is to pay off the mortgage, but you can't get that much down payment at once. In fact, I belong to the first type, but I can still go to the second reason if I force myself to work hard. People never know how good they are unless they push themselves. Although buying a house is not easy, it is not completely impossible.
When it comes to houses, many people's first reaction is that a house can be bought for millions, even if it is a down payment, it will cost more than 200,000-300,000. Where did you get so much money? I can't afford to think about it. Actually, it's not that exaggerated. There are always ways to solve some things as long as you do them.
Share my buying experience:
The first thing to solve when buying a house is the down payment. I have little savings for so many years, and the money in Cary is only in double digits, but I want to buy a house. So, I began to look at various real estate and intermediary houses. I have seen many real estates, including new houses and second-hand houses, and I have also seen many intermediaries. If you want to buy a house, even if you have no money now, you should go to various real estate agents first and let them show you the house. The advantages of doing so are: first, after seeing some properties and huxing, I have a certain understanding of the huxing I want to buy. Second, intermediaries are extremely well informed, and they have a lot of resources. Communicate with the intermediary more, and you will get a lot of information, such as housing and loans. You will definitely feel bright at the moment, and you will definitely not know many things you didn't know before.
Now that I have no money, I will certainly consider buying a cheaper and smaller house first. When I have money in the back, I'll change to a bigger one. At least I will give myself a place to live. Only when I have a home can I really feel safe and feel that I belong to this city. This is my home, otherwise I will always be a passerby with a suitcase.
I chose a small house with a total price of about 600 thousand for a long time. In fourth-tier cities, the average house price is more than 8,000, basically tens of thousands. Do not believe, this is the case here, and so is a fourth-tier city in Ningde, Fujian. The down payment is almost 200 thousand.
Ok, the next question is to solve the 200 thousand down payment. There are always several channels.
1, self-owned financial deposit this year. In fact, I haven't had much savings for so many years, so I began to think about buying a house and saving money this year. I earn 3000 a month, plus part-time income, about 5000. Living at my sister's house will save money. The mature performance of a man is responsibility. In the past, I spent as much as I earned. Every day, my friends eat and drink, and I never thought about saving money for the future. Now every month's money will be used for wealth management and appreciation. If you don't manage your money, money will naturally ignore you. How to manage money? My practice is to put the money in several places, such as Yu 'ebao and funds. The biggest advantage is the leisure and happiness created by the company where I used to work. The interest is one ten thousandth a day, which is four times that of Yu 'ebao, but the security will be smaller. If the company goes bankrupt, everything is gone. Just put a little money. These small financial places don't have much money. Something is better than nothing. No matter how small a fly is, it is also meat. It seems that no one eats flies. Generally speaking, it is to save money every month and have money when needed. Not much, only 20 thousand at present
2. Credit card. I have never touched a credit card before. When I want to apply for them, it is particularly difficult. Just because there is no unit to work, I applied for a credit card for a long time. Even after coming down, my quota is not much, but I am slowly improving. Ningde, Fujian is a black household in the bank, and it is generally more difficult for everyone to raise money and loans than other places. When the credit cards of several banks add up, the amount is not much, just tens of thousands, and they are all money.
3. Internet finance. I believe that many internet finance companies now provide loans. Personally, I suggest using some big formal companies, and the small ones are usurers. Don't touch them, or you will be miserable. I personally use Xiaomi Finance, Baidu Wallet and Jingdong Wallet, all of which are formal loans with basically the same interest rate, with a daily interest rate of 0.5%. Of course, these quotas should also be raised. I usually raise these loans by myself, and the total amount is 50 thousand.
4, old. Yes, you heard me right, just eating old people and asking my mother for help. I have to pay more than 80 thousand for the first few, and I can only ask my mother for help if the rest is not enough. In fact, I don't want to rely on my family, but my ability is limited. I can only ask my mother to go. Although my family is not particularly rich, how many mothers can help me? Nowadays, young people can really get so much money by themselves without the support and help of their families. I think my mother has a son who is as incompetent as me, and she is very tired. Hundreds of thousands of dollars should be prepared for the wedding bride price and buying a house. An ordinary rural family with so much money at once will die of despair. It's good to have a daughter these days. There's nothing to worry about when you get married.
In this way, I basically saved enough down payment to buy a house. Late decoration, mortgage, etc. Also need money. If I choose to buy a house, I will be prepared to live a hard life. Life in the future will definitely not be comfortable. God is fair. You can't have a house and want to enjoy the old lifestyle. You have to pay to come back. If you stick to your teeth for a few more years, you will at least have some property left, otherwise you will live in a daze every day. Ten years later, I am still poor. You are poor not because your life is bad, but because you are not hard enough on yourself. I have a colleague who bought a house with a salary of 2000 yuan just after graduation, and then ate instant noodles every day to run a part-time job. Now ten years have passed, the house has been earned and the car has been bought. Everyone said that the house price bought at that time was more than 2,000 yuan (now it is more than 30,000 yuan there), but how many people can be as cruel to themselves as he is? I still firmly believe that people will never know how good they are unless they push themselves.