There are also long-term low-interest loans like mortgages, such as decoration loans. The biggest advantage of buying a house is that it can be loaned at low interest for a long time, rather than greatly increasing the value. Only rice, cabbage and cooking oil are seen in the disrepair house. Buying a house itself is not necessarily the best investment. This is interesting, but everyone is related, and the proportion of investment is only very large. The really good investment these years is 30% debt. Although the cheapest debt is generated by buying a house, once a house is bought, the house is a house and the debt is a debt.

The risk of buying a house is only related to the total house price and the time of buying a house. The risk of 1 10,000 houses is 1 10,000 dollars, and the risk of 2 million houses is 2 million dollars. No matter how many loans they borrowed. The loan risk is only related to the fluctuation of loan interest rate. For example, a mortgage loan with a discount rate of 6% and 5% is now losing money at a discount rate of 7%. Because people are afraid that they will lose their jobs if they are in debt, just like buying a house. This is the risk of work, not the risk of debt. Being able to regard debt as an investment and house and debt as two unrelated investments is the real insight.

In fact, the loan quota is sold out, and the loan quota is too small to buy a new house. In order to reduce the risk of housing prices, many people have taken? Buy pearls for real estate? Strategy. This is? Instead of betting on house prices, it is better to determine how much you owe as much as possible. ? In their eyes, it is inefficient to have a house and no loan. It's really painful to have a lot of cash but no monthly payment. These people are betting on housing prices, and they will choose to change: they would rather use the old house as collateral than raise money to buy a new house. The national financial management mode is changing, and the financial management mode of every family also needs to change. In the past, China was an economical society, and people were restricted in spending money and investing. Generally speaking, this means spending money in the past. People in the future should think more about how to deal with their debts, that is, how to spend money in the future. In addition, people should now look at many problems from the perspective of savings investment and debt investment: in this sense, the fundamental principle of hoarding and maintaining a large number of low-interest debts is that housing is only one of many investments.

Earn more money, save more money, or reinvest the rest, that is, you can take on more debts and pay them back in the future. For example, many people make money in stages in the stock market, that is to say, when there is not much money, grab one, buy a house as soon as the down payment is enough, and make money in a calm manner. You get more pay from your job and use it as a signal that you can take on more debts and spend more money in the future. People apply for loans according to their affordability, such as $3,000. I don't know that I will have to apply for a loan of $5,000 to buy a bigger house in a few years. If you want to survive in the stage of $3,000 to $5,000, you must leave some cash to invest in debt. The ideal future life is not to have a balance every month, but to have a balance every month just to pay off debts.