Many friends are very envious of the life of those housewives and housekeepers, thinking that they can make money just by lying at home every day, and they can also start their own side business and enjoy themselves while making money. Life is very easy and comfortable. Therefore, many people have thought about buying a house to rent out, but their savings are not enough, so they can barely pay the down payment, and then use the rent to repay the mortgage. Is it necessary to do this?

Go back more than ten years, and many people may still be interested in this way of making money. After all, everyone has witnessed the increase in house prices in the past few decades. 10 years ago A house bought for 500,000 yuan may rise to 5 million or more in 10 years. In some areas, it can even reach a 10-fold growth rate in just 5 years. The longer the installment, the more cost-effective the mortgage is, especially in those years when house values ??have increased dramatically. No matter how long it takes to repay, the total value of the house, excluding interest, remains unchanged. As prices continue to rise, people's purchasing power has steadily increased. Today, it is acceptable to repay a mortgage of 2,000 to 3,000 yuan per month. It may be difficult in the first few years, but as time goes by, this house will become a good fixed asset.

Now that people want to make money in this way, they must consider whether the energy and cost of renting out these houses are equal to the income you can ultimately get. Although the method of collecting rent while lying down is very desirable, it does not mean that these rent collectors do not need to perform any maintenance and cleaning work on the house. Not only that, the risk of renting the house to others is also very high. , because today’s social composition is very complex, you don’t know what others will use your house for if they rent it, and if the other party arbitrarily damages and defaces your house, and you don’t find the person who did the bad things in time, People, then the cost of renovating and tidying up the house will need to be borne by you.

In addition, to repay the loan through house rent, you also need to calculate the cost of your down payment, because making money by renting a house is a very slow process. Suppose you are buying a house. You made a down payment of 1 million yuan, and the value of the house has not increased much during the five years you rented it. If you subtract the cost of maintaining the quality of the house, the final result is that you would rather use the money to buy a house and rent it out. Use it to invest elsewhere and make a profit. Therefore, for most people, repaying loans through rent is not a very safe option, and sometimes if your house is not rented, you still need to repay the bank loan, so you need to be cautious when investing in real estate.