Now this house price really discourages buyers. Although many people can afford to buy a house, they have to bear the loan repayment career for twenty or thirty years.
Objectively speaking, post-80s and post-90s have become the main force in buying houses, and many outstanding young people can buy their own houses.
Some post-80s and post-90s bought houses through their own abilities, but the ensuing mortgage pressure also messed up their lives. Is it really worth it? First, most of the post-80 s and post-90 s are just buyers.
Although many post-80s and post-90s can afford houses now, they often have to empty out several wallets. We can simply calculate that if the house price is 20,000 yuan/flat, it will cost 1.78 million to buy a small three-bedroom apartment of 89 square meters. According to the down payment ratio of 30%, it needs at least 530,000 yuan, plus the decoration cost, it needs 600,000 yuan.
Most of them may have just joined the work after 80 s and 90 s, and their work may not be smooth. Generally speaking, they don't have much money on them, so how do you get the down payment? In the final analysis, we can only rely on our parents, so now many post-80 s and post-90 s houses are "parents make a down payment, and they also make monthly payments."
1, it is still commendable to buy a house after 80 s and 90 s through your own ability.
I have to say that some post-80s and post-90s are still excellent, and they may be able to afford a house after graduation for a few years. Although they can't afford a big house, they can at least rely on their own ability to own a house of their own in the city, which is very valuable.
2. This is reality. The pressure of buying a house is really great.
Although some post-80s and post-90s people bought houses through their own abilities, only after buying a house did they find that besides the difficulty of down payment, the pressure of monthly payment is also great.
That is the reality. We can simply calculate that according to the total house price of 2 million, the down payment of 30% is 600,000, and the remaining 1.4 million needs a loan. Based on the 30-year loan term and 5.5% mortgage interest rate that most people will choose, it can be concluded that the monthly payment is 7900 yuan.
For most post-80s and post-90s generation, this month's mortgage repayment is unbearable, especially after the emergency in the first half of last year, which further increased the pressure on borrowers.
Share one thing. In July 2020, a colleague of mine in 1992 bought a house with an area of 120 square meters for 2.52 million yuan. Because she is a teacher, she can make a down payment of 30%, which is 756,000. Although on the surface, she can buy a house as soon as possible through a low down payment, but it also comes at a price.
The lower the down payment ratio, the higher the loan ratio, and today, with the rising mortgage interest rate, the higher the loan ratio, the more interest will be paid. After deducting the down payment of 756,000 yuan, the remaining 1.764 million yuan needs to be solved by loans. Her mortgage interest rate is 5.88%, and the loan is for 30 years, so the monthly payment is 1.040 yuan.
You know, his monthly salary is only 13000 yuan, and only 2560 yuan is left after the monthly payment. In addition, the child has just entered kindergarten and has to pay back the car loan every month. The hardships of life can be imagined.
Why is life a mess after buying a house with loans from the post-80s and post-90s? Is it really worth it? With the rising of housing prices, the pressure of buying a house is also rising, so many people think why they want to buy a house in the city, even if they can really afford it, is it really worth it?
Foreign data show that the ratio of house price to income in many countries is below 10, while the average ratio of house price to income in China is 13, and some cities even exceed 30. If you work in first-tier cities such as Shenzhen, Beijing and Shanghai, you will find that "you have to work 100 years to afford a house."
In fact, many people didn't expect the mortgage pressure to be so great when they didn't buy a house, especially after 1980s and 1990s, the demand for quality of life far exceeded that of their parents, so the pressure of buying a house will increase on this basis.
Life after buying a house is a mess, which is not something that post-80s and post-90s are willing to face. They also want to be comfortable. Every day after work, they can go out for a walk together, without the pressure of life, but the reality is always cruel.
Coupled with the epidemic in the first half of last year, it did disrupt the lives of many people and invisibly increased the pressure of life, but it was also a test for the post-80 s and post-90 s.
The author suggests:
For the post-80s and post-90s generation, high housing prices are a reality. After all, houses are indispensable now, and people's favorite rooms have also changed in recent years. Moreover, with the continuous strengthening of the regulation of the property market, if house prices really change in the future, the life pressure of the post-80 s and post-90 s generations can also be alleviated.
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