First, how much pressure is there after buying a house with a loan?
According to the length of service, there are two more dangerous time points. One is a young man who just graduated from work. First of all, parents think that if they don't buy it now, they may not be able to afford it in the future. It is also a way to get a big room in one step, so one or two rooms are often put together to supply suites. At this time, the family is heavily in debt. For a young man in his twenties, he can't earn much money in a year now, and his parents are in their fifties and sixties, and they are at the age of high incidence of diseases, so the economic situation of this family is even more dangerous and can't stand a little economic impact.
The second time point is about 35 years old, and middle age is close to the end of the year. Most of these children have just started school, especially with the introduction of the national two-child policy, more and more families have a second child, and parents should retire and spend money. As the mainstay of the family economy, you dare not get sick for a long time, and you dare not lose your job or jump ship. Once you get sick and spend money, your family's finances will be tight immediately. If you lose your job, the situation will be even worse, because now a large group of boys and girls born after 90 are fighting for your job, and the pressure is really great.
The above two points happen to be the views of the generation after 80 s and 90 s. The increase in public service loans announced by the state also proves that people's repayment pressure has crushed the economic situation of some families.
Second, is it really worth buying a house with a loan?
Mortgage interest rates is increasing day by day, and the problem of buying a house has changed from whether to buy a house blindly to whether to borrow money from a bank. Many people feel bad when they see this question, because for most working-class friends, it is sad to answer this question. Buying a house equals income. For those wage earners whose income level is already very low, buying a house becomes a house slave. This will undoubtedly give them a place? Big hole? On your shoulder. Hesitant about buying a house with a loan, and I have never been able to get there. What's the matter? If you have enough ability, no one will hesitate to buy a house, and will not care whether the house price will fall or rise, because buying a house is for living and has nothing to do with the ups and downs.
People who decided to buy a house decisively before were all real estate? Earn? Yes Some people earn money that they can't earn in a lifetime. They are beautiful and have face. However, this reason can only show that in the past, in the real estate market, national policies deviated and the market became chaotic. But now, those who can make up their minds to buy a house and sell it later are estimated to have no turning back. Now, the decision-makers and the management team have a new understanding, new ideas and new orientation on the housing problem. Do you want to live in a house? The requirements are becoming more and more clear and deeply rooted in the hearts of the people.
Our housing reform is a very subversive policy. In the future 18, commercial housing will only account for 40% of all new houses in the future, and the remaining new houses will be replaced by talent rooms and affordable housing. Moreover, if the housing is guaranteed for a certain period of time, it can also become its own housing. Therefore, it will be difficult for Shenzhen's housing prices to change significantly.
Housing is the most fundamental goal of buying a house. Living doesn't mean having property rights. If there is no property right house, the family will still be very happy. Therefore, the author suggests that people who can't afford housing should not borrow money everywhere and stubbornly support themselves to buy a house. The joy of life is not having a suite, but having children around you. Insufficient ability, take out money to train children and care about their learning problems. Perhaps it is more meaningful to improve the quality of family life than to buy a house.
Third, what are the precautions for decorating the house after buying a house?
1, the structure of the house cannot be destroyed. It is the most important point in the matters needing attention in house decoration. When the house was built, the structure was already very stable. If the structure of the house is forcibly transformed during decoration, the service life of the house will be shortened. Suppose there is an earthquake or other situation, and the safety problem is very serious. Do not rebuild the building structure when there are serious safety hazards. If you must change it, then you must consider the load-bearing wall, wire routing and other issues to avoid future troubles.
2. The marble on the floor is not necessarily luxurious. If the house has a two-story structure, it is not recommended to spread all the luxury marble on the ground, because the luxury marble is very heavy. Although it can enhance the luxury of the house, it increases the weight of the floor. Therefore, from the perspective of safety, it is not recommended to use luxury marble floors on the ground.
The above is about how much pressure there is after buying a house with a loan. If you want to buy a house with a loan, you should pay attention to the specific methods of buying a house and handle it according to your own economic ability. For young people, when buying a house with a loan, they must pay attention to their financial ability and repayment ability, and put too much pressure on themselves.