One of the author's relatives saved almost 400,000 yuan, which is a very large sum of money in the countryside of a small county. The down payment for buying a suite is completely enough, and the house price in the county is only about 6000 yuan. According to the idea of this relative who is nearly 50 years old, he wants to save all the money to buy a house, that is to say, he wants to save another 200,000 yuan to buy a house. At that time, the author didn't understand this kind of thinking very well. I didn't know how big the gap between people was until now. The gap in thinking affects choices and also affects a person's life.
The older generation is naturally resistant to loans. It can also be said that they are afraid of loans and feel that they are unable to lend. Many people in my hometown have this idea. They are afraid of loans, but they don't want to buy a suite when they can borrow money. In fact, if you are an old man and have no job, this is understandable, but if you are a young man, do you think it is really good to have a house in the countryside and you have the money not to go to the city to buy a house? In fact, this will limit people's development, which is not a wise choice.
Perhaps many people are afraid to enter the door at the door of the loan, just because they are afraid of the length and pressure of the loan. At first glance, a 30-year loan is a terrible number, and some people may accept a loan of about 65,438+00 years at most. But if you borrow for 30 years, will you choose 30 years? Even if you choose 30 years, will you really repay 30 years? In fact, many times, some people misunderstand the knowledge related to loans, and most people are too ignorant of mortgage loans and suffer from "ignorance". It's terrible to borrow for 30 years? That's because you don't know much about mortgage, and there is almost no pressure after 5 years.
Why is there almost no pressure after five years? Many people around me buy houses by loans. You are distressed that others have given their wages to the house, and others are distressed that they have not bought a new house at such a big age. In fact, the loan pressure exists, and it was generally high in previous years. At this stage, I will be more cautious and work hard. However, if you pay back after five years, the pressure will not be so great, because at this time, you are used to such pressure and your work is on the right track. Only under pressure can there be motivation. Many times, many people work hard because of this pressure.
In fact, when you buy a house, your life will enter a new stage. It is precisely because you bought a house that you can do a lot of things. Only when you get married and have children can your life be considered on the right track. What about people without houses? They can't keep from buying a house. They envy others, but they never have the courage to buy a house or spend money for fear that they have no money, so relatively speaking, people like the latter have a harder life.
Houses are also wealth. If you consider putting your money in a house that can preserve its value, is there not so much pressure?
Many people are afraid to borrow money to buy a house. They think it is terrible to borrow money for 30 years, which is undoubtedly the loss of ignorance. First of all, if you have money, you can repay it in advance. 30 years is just a changeable number. Secondly, the pressure is second, and the happiness and security brought by the house are incomparable to renting. Finally, learn more about loans, and you will find that many people choose loans to buy houses, not because they are hot-headed, but because they are careful.