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Loan for 30 years to buy a house, the interest is similar to the house price, is it really cost-effective?
It's not cost-effective, but for ordinary people, buying a house in full is an unattainable goal, so even if you know that buying a house with a loan is a very uneconomical thing, you can only accept it, because in today's society, without a house, you won't feel safe or even get married, so you can only choose to accept it. Details are as follows:

Just need to buy a house, but don't have the ability to pay in full. I can only pay by installment. The purpose of buying a house is simple, just to get married. Just need, must want a house, you don't have a house, others will not agree with her to marry you. I come from the countryside, and I have to rely on myself. If you have to buy a house in full, even if you sell me, you can't afford a house.

Just like when I first started dating my wife, I was always rejected by her parents. Those who come from rural areas have a bad family environment and their salary income is not particularly high. It is normal to be looked down upon by others. Looking at it from another angle, if I were a parent, I certainly hope my daughter can marry a good family and live a happy life after marriage.

13 graduated and went to work in a bank until 16. After saving money for more than three years, I finally saved 300 thousand and paid the down payment of the house. I still clearly remember 18 when I handed over the house, I got the key and stood alone in the new house, almost crying. Although the loan to buy a house is very pitted, it has really helped many people and solved the just-needed difficulties.

Housing is not a long-term solution. Many people say that buying a house is a house slave. In fact, renting a house is the real house slave. It is often seen that many people say on the Internet that it costs more than one million to buy a house. It won't cost that much to rent a better house yourself. People who say such things must be people who have rented a house for a long time and have not realized the pain of moving. The first time I rented a house, it was in a village in the city, a small single room, and it took me a month to get to 500 yuan. I didn't live for half a year, because I had to move because of demolition.

The landlord's uncle is nice, and he also refunded the deposit and so on. But the landlord of the second rented house is particularly annoying. After paying the rent for a year and living for less than half a year, the landlord drove people away. Said his child was getting married and the house was not rented.

Don't rent, don't rent. He didn't refund the money, but kept dragging it to you. It's disgusting. I asked him back and forth for five or six times, and finally 1000 yuan was not returned to me. The feeling of renting a house is really bad. You never know when the landlord will kick you out. It's a feeling of dependence and insecurity.

In addition, you can rent a house when you are young. What should you do when you are old? Basically, no one wants to rent a house to an elderly person, for fear that something will happen to you in the house, which will affect the selling price of his house in the future. Before I moved into my new home, I moved three times, and I was exhausted every time. In this life, I really don't want to feel that kind of touching feeling anymore.

China people pay attention to home, and only when they have a house can they feel at home. What is home? A place with a house and relatives is called home. A rented house, even with family, is hard to call home. After I graduated, I worked hard alone for the first few years, always feeling like a duckweed, with no fixed place to live. Facing the city in my heart, I feel powerless and always feel that I don't belong to this city.

Later, after moving into a new house, this strange feeling gradually disappeared. I think I can blend into this city. This is my home. Although it costs a lot to buy a house with a loan, there is no choice. Although we paid a lot of money, we even worked all our lives to pay off our debts. But with home, we get more things.