1. What's the difference between a house slave and a full house purchase?
The first thing to understand is that the wages of young people nowadays are generally not too high, but they have become house slaves, which is very unfavorable to life. Because when you are young, it is time to enjoy life. At this time, it is still very pitiful to spend all your salary on mortgage repayment.
But it also has certain benefits, because with the pressure of mortgage, life and work will have great motivation, and they will be more motivated in the face of future life, so for future development. It's not particularly bad to take on so many mortgages.
Of course, for young people who buy a house in full, there is not much pressure on life, and wages can be used to enjoy life, which is quite good for the improvement of living standards. So we will find that these young people are usually very comfortable and happy.
But it also has bad consequences. It is at this time that there is almost no pressure in their lives. So I don't care so much about my life and work, so I'm confused about my future development. Therefore, these young people do not have much advantage in the future development.
So in general, the life of house slaves may be relatively tight at first, but they may live well later. Young people who buy a house in full may have a good life at first, but later life lacks motivation.
Second, how to buy a house with a loan is more cost-effective?
1, mortgage, the longer the term, the better.
The longer the mortgage term, the better. If you find a high-yield investment channel, the longer the loan period, the better.
2, down payment, if you have money, pay as much as possible.
If you have money, you should pay as much down payment as possible. Ordinary people should be able to borrow a lot of money from the bank, and the interest rate will be discounted, that is, mortgage. We should make good use of this opportunity. In the long run, the currency will always depreciate, and now it is still more than 10000 per month, which may be a huge sum, but after 20 or 30 years, it will still be more than 10000 per month, which may be considered as a piece of cake.
3, owing on the loan, according to the way and timing.
In order to reduce the pressure of future expenditure, many mortgage borrowers choose to repay their loans in advance. In fact, it is not cost-effective to repay the loan in advance in some cases. In commercial mortgage, there are two ways: average capital repayment method and matching principal and interest repayment method. For example, if the repayment period of matching principal has passed 1/3 and the repayment of matching principal and interest has reached the middle stage, there is no need to repay in advance. Because the average capital divides the total loan amount by half the cost, the repayment interest is calculated according to the remaining principal.
4, interest, savings also have tricks.
Finally, it is to deposit interest. Tens of millions of mortgage interest is really a lot. It's a trick for you to repay the mortgage with the proceeds from the principal investment. If you can count as a bank, paying less interest is also a skill. If the provident fund interest rate is lower than the mortgage interest rate, the mortgage lender should use the provident fund loan amount first, and then choose commercial loans.
Third, what are the decoration skills after buying a house?
1. Choose furniture according to the size and decoration style of the house, and determine the placement position of the furniture. At the same time, the installation position and quantity of sockets and faucets should be determined. As for the floor tile or floor, it can be decided according to personal preference.
2. Be extra cautious in the process of hydropower transformation. We should determine the exact location of lamps, washing machines, switches and other supplies in advance, otherwise it will be troublesome to add sockets once the ceiling and tiles are renovated. In addition, it is suggested that you install a power socket on the wall under the kitchen basin to facilitate the installation of kitchen treasures.
3. The pipeline will be exposed after decoration, which will affect the decoration effect. In addition, the environment in the bathroom and kitchen is relatively humid. Therefore, do not use wooden keel when shrinking riser. You should choose red brick or light steel keel. The installation effect of red brick is stronger, and the light steel is more space-saving.
4. In the process of painting construction, the first thing to do is leveling, then grinding and rolling. As for the effect, it mainly depends on the painter's construction technology. When painting the wall, the color should be lighter than the color card, because the wall should be painted at least two or three times, and the color will be darker than when it is adjusted.
For friends who are planning to buy a house, whether it is a full house or a loan house, everyone should pay attention to choosing a way that is more suitable for them. Buying a house naturally hopes to improve the living environment and quality of life of your family, so you must consider it clearly in order to make your family more comfortable in the future, and you should also pay attention to specific buying skills.