Hello, buying a house for many young people have a lot of pressure, especially in the north, Guangzhou and Shenzhen.? But choosing the right place to buy a house can also be a motivation for young people to earn money.

1, you can afford to buy their own house

Recently, the network hot rumor "invisible poor people" word, was said to be "heart".

The circle of friends is bright and beautiful, empty pockets, this is you? If you want to say goodbye to this situation, savings and finance alone is not enough.

What is the invisible poor? According to netizens, it's people who don't have much money but spend it generously.

But living in a big city and integrating into its culture and social circle means spending money everywhere! Not to mention how high the price level is in a big city, it's also hard to afford a house without seeing the new Marvel movie in theaters or getting an annual membership to a gym.

In a city where 98% of people's salaries are $5,000 a month, how much is a reasonable home price? Answer: in the rent-to-income ratio.

Disposable income per capita is the per capita income that you can get your hands on: that is, the part of the salary income that is left after deducting the five insurance and one gold, etc. The money that is left after deducting them is the money that is left after deducting them. The money left over after deducting them is disposable.

It can be seen that the proportion of rental income is very high in the north of China, Guangzhou and Shenzhen. Especially in Shenzhen, nearly 60% of the income needs to be used to pay rent.

And young people in big cities who want to buy a house, the critical value of just buyers, that is: rent = monthly payment. If the rent is more than 1,000 and the income is 5k; many fresh buyers are faced with two choices:

A: pay 1,000 bucks a month in rent to the landlord, and the house is owned by someone else.

B: six wallets or swipe xy card, put together a down payment, more than 1,000 monthly payment, the house is their own, can be settled, children have a degree.

Obviously the sane ones, especially the ones who are going to get married and start a family will definitely choose B.

But unfortunately, in the first and second tier of the city, the monthly payment of more than 1,000 does not exist.

Taking Changsha as an example, the price of a house in the city is 12,000, and the price of a house in the suburb is 8,500. excluding the common area, it is necessary to buy a set of small three houses for 1 million yuan.

1 million divided by 0.45 (disposable income), about 220 months, seventeen or eighteen years. 22 years old work, handle the house has been 40 years old. Still have kids to raise, as well as retire yourself, and so on and so forth.

So the average person is pretty desperate, whether or not house prices have peaked.

2, how to say goodbye to the "invisible poor people"

Want to live in the city big house, the core area of 120 square feet of the next big house in Shanghai, Hangzhou, Guangzhou, basically to come up with more than 4 million. For most young people is a thing that can only 'lie flat'.

Taking the first-tier city of Shanghai, a two-bedroom apartment bought in 2015 at 3.09 million, 90 square feet in 2017 is about 6.5 million, and by the end of 2020 it will be 10.6 million.

If your after-tax annual salary is less than 1.36 million, then probably you will never catch up with this two-bedroom apartment. At $1.36 million after tax, it's going to come to 2.2 million RMB before tax, or $340,000 USD.

What is the concept of a $340,000 annual salary? The annual salary of the British prime minister is $200,000, and that of the Japanese prime minister is $230,000 a year. The US president's annual salary is 400,000 dollars, only the US president can barely fight.

If you are in the field of the Internet, fortunately, Microsoft Ali Tencent and a few other Internet companies, can give you the opportunity to dream, Ali P8 has and the U.S. presidential salary of a battle. If you are in PwC, you have to make partner to have this qualification.

As a post 90, you have to make it within a few years of graduation to not be left too far behind oh. As a Japanese/British Prime Minister, if you're a purist and can't write a book, and you're not willing to participate in business activities, much less insider trading, you won't be able to run away with a two-bedroom apartment in Shanghai, I'm afraid.

Back to this question, the answer is clear to everyone. Bidding farewell to the "invisible poor" is a difficult thing, but not impossible, like Tencent Ali and other Internet giants and employee home purchase benefits.

2020 "5G applications and the Internet's new infrastructure" report pointed out that 5G, cloud computing, big data, blockchain and other technology has become an important representative of the new infrastructure. At the same time, it is also Tencent, Ali, Huawei and other major Internet companies compete for IT technology talent, can be said to be exactly the current wind mouth.

I hope my answer is helpful to you!