Although young people have a strong desire to buy a house, domestic housing prices are not cheap at present. The data shows that the average price of new houses in 65 key cities in China is11.74 million yuan/square meter, and the average price of second-hand houses is 1.68 million yuan/square meter. Buy a house casually, and the price will be at least several million. This will not only spend all the savings of property buyers, but also have at least 5-6,000 yuan of mortgage to pay back every month, and this situation will continue for 20-30 years. What is even more unacceptable is that we are spending all our savings and still owe a bank loan. The property right of the house we bought is only 70 years.
In addition, according to real estate experts, the service life of domestic commercial housing is only 30-50 years, which means that after you pay off all the mortgages, the house will become a dangerous house. The question now is, is it worthwhile to spend all your savings, owe a debt and buy a house with 70 years of property rights? In fact, many people buy houses out of helplessness, mainly for three reasons:
First of all, buying a house can solve the problems of settlement, marriage and children's education. If you don't buy a house, you can't settle down, you can't get married, and even your children have to go back to their hometown for the college entrance examination, which makes many people have to buy a house. Especially on the issue of marriage, many women of school age must have a man to buy a house before they can get married.
According to the "202 1 Marriage Property Report" released by 58 Tongcheng and Anjuke, 76.6% of the singles interviewed do not accept renting a house to get married, 16.6% want the man to buy a house in full, and 42.7% want the man to make a down payment, and then the couple will repay the loan together. This also means that you can owe debts for decades and borrow money to buy a house, but you can't get married without a house.
Moreover, young people have seen that house prices have been rising in recent years, and with the effect of making money, many early buyers have realized financial freedom. They are afraid of not buying a house now, and they can't afford it in the future. This is also the case. In recent years, domestic housing prices have been rising. In fact, China people are not born to love buying houses. It is only in recent years that house prices have made money and prices have been rising that they are anxious to buy houses. In foreign countries, many families have chosen to rent houses, and the proportion of families living through renting houses has reached 49%.
Finally, the domestic rental market is chaotic, and many people think that renting a house often requires moving, so it is better to buy a house more stably. In addition to the landlord's annual rent increase, there are also landlords who want to sell houses and ask tenants to move out within a limited time. At the same time, some tenants engaged in decoration in the house and changed the structure of the house without the consent of the landlord, which further intensified the contradiction between the landlord and the tenant. It is the chaos in the domestic rental market that forces some people to choose to buy a house instead of renting a house.
In view of the question whether it is worthwhile to buy a house with 70-year property rights after spending all savings and debts, we would like to express two views: one is that it is really not worthwhile to spend all savings and debts to pay for the housing price increase in the past 20 years. Unless you just need to buy a house, if the house price falls in the future, the person who buys a house now will become a pick-up man. Whether buying a house is cost-effective depends on the price. If the house price returns to the residential property, it is worthwhile to buy a house. Buying a house is too risky at present.
The other is that young people should be cautious when buying a house. The data shows that in 20021year, 4 1.3% of post-90s singles plan to buy a house, and 27.3% of post-90s singles have already bought a house. However, young people in our country buy houses a little too early. You just graduated from school and worked for several years. Your income and career are unstable. Buying a house too early undoubtedly increases the pressure on your life.