But when I worked out this figure, I always felt unwilling. (The first set is calculated at 5. 15%)
Borrowed RMB 6,543,800 yuan from the bank, and repaid RMB 54,600,000 yuan every month. The total repayment in 30 years is 6.5438+0.965 million yuan, which means the interest is 965,000 yuan.
Great young people, all working in banks.
This house, this loan, do you want to buy it?
Buy! Living in peace will make you happy!
I was 30 when I bought a house, and I paid my mortgage for 30 years. I am 60 years old.
Maybe many people start out with a monthly income of 5,000 yuan and a mortgage of 3,000 yuan, and their life is tight. But after several years, even if the monthly income does not exceed 10000 yuan, their incomes are 6,000 yuan, 7,000 yuan and 8,000 yuan, and the mortgage is always 3,000 yuan. Compared with many uncertainties in renting a house, you will become more and more relaxed.
There are also children and the elderly, which is also a factor we need to consider.
Old people are old, children are young, and the pressure of life is concentrated. Only then did they realize that they were ready to change. Fortunately, the house is occupied. As long as they work hard to support the elderly and young people, at least part of their future is under their control.
So it is good to have a house, and it is actually happy to work hard to repay the loan.
At present, many people have difficulty in making down payment, living and working in peace and contentment, and getting married.
However, whether you buy a house or not, you must work hard, cheer up and be full of confidence!
I started to repay the loan a little earlier than the title says 30 years old. I started to repay the first loan of RMB 2,674.02 in March last year, when I was 24 years old.
I bought a house at the end of 2017, and then took out a loan in March of 2018, with a total loan of 490,000 yuan, with the coordinates of Changsha. My work unit is in Chongqing, and the provident fund is in Chongqing. At that time, the houses in Changsha were very intelligent. People say: go in full, please line up for commercial loans, and turn left when the provident fund leaves. No way, you will not be allowed to use a drop of provident fund, and finally choose a commercial loan.
The total loan is 490,000 yuan, the service life is 30 years, and the monthly repayment is 2,674.02 yuan. Choose the repayment method of equal principal and interest, because I have just graduated from work for more than a year, and I really don't have much money, so the pressure of repayment in the early stage is great. In addition, I work in a construction unit, and my monthly salary is not fixed, so I occasionally need to borrow money to repay the loan.
How's it going?
In fact, there is pressure. When we first got married, my wife and I had more than 70 thousand deposits, and the main expenditure was to repay the loan every month. Then we had a baby this year. Now the child is four months old, and my wife is not at work to take care of the child at home. Up to now, my wife told me for the last time that the savings at home are only over 30 thousand, and the current situation is basically a life of poverty.
Fortunately, I don't have to pay the room and board expenses of the construction unit every month, but life is very hard.
First of all, this kind of work is destined to stay at home all the year round. Basically, I can only go home once every two months when the cycle is shortest, and once every six months when the cycle is longest. I met my child twice when he was four months old, the first time when he was born, and the second time when his child was four months old. The place where I spend the most time every day is the construction site, and the people I deal with the most are the workers, that is, the wages are not much and I am forced.
Anyway, life goes on. How can there be motivation without pressure? Looking at my son's photo every day is super motivated!
The house I bought in February, 2065438+2008, just happened to catch up with the housing price peak. The total house payment was about 650,000 yuan, and I borrowed 430,000 yuan, which was paid back for more than one year, more than 3,000 yuan per month, and more than 4 1 10,000 yuan in 30 years. Every time I see so much repayment information, I feel uncomfortable. At present, the house has not been handed over, and it has not been handed over yet.
Let me talk about my family's personal experience.
My younger brother bought a house in a third-tier city on 20 16, with a total price of 1.2 million. The 30% down payment plus taxes and other expenses cost a total of 400 thousand yuan. The interest rate at that time was 5. 145%. If you choose the same principal and interest, then after 20 years of mortgage, you need to repay about 5600 yuan every month.
The monthly income of himself and his wife is only about 1 10,000, and there are children. As a result, they live in poverty every month, and the quality of their living standards has greatly declined. I used to travel once every six months, but now I have cancelled it.
My brother used to smoke a pack of cigarettes, but now he smokes a pack every two days, and he dare not smoke expensive ones. My sister-in-law is going to Pinduoduo to buy things! Well, after all, the mortgage has to be paid back every month, and the children also need money for tuition and interest classes. Make ends meet every month. My brother sometimes has to work part-time at night to support his family.
However, outsiders always think that they are comfortable, have a house and have a good life, especially when the house price has gone up. Everyone who saw him praised him, saying that he bought a house early and made a lot of money.
In fact, only he knows that the house has gone up and he can't sell it. After all, he has to live. He is nothing more than a beggar with millions of assets.
Moreover, the market has been bad in the past two years, and his salary has not risen. Listen to him sigh every time you go out with him. I'm too sick to live now, and I'm afraid of spending money to go out and get together with others. I still have to worry about whether my job will be lost at any time. When I got home, I quarreled with my wife and felt very tired.
Therefore, you should buy a house carefully. It is really unnecessary to put too much pressure on your life in order to buy a house. I'm Doukaka, a real estate agent, focusing on real estate research, grasping the ups and downs of real estate for readers, which is not only numerous, but also empty and real.
It takes 30 years to repay the mortgage at the age of 30, which has a great impact on life. After 30 years, everyone is 60 years old, and life is approaching dusk, which will make many people hesitate to buy a house. However, life after buying a house with a loan is not completely difficult, but bittersweet.
I suggest solving the housing problem first and then considering the pressure of life.
First, the mortgage interest is high, the income is limited, and the initial life pressure is great. At present, the interest rate of the first loan in Wuhan is generally 5.73%. 2 million house, down payment of 600,000 yuan, loan of 1.4 million yuan.
The total interest of the 30-year loan is 6.5438+0.5348 million, which is 6.5438+0.4 million more than the loan principal. The monthly payment reached 8 152.24 yuan.
When you are in your thirties, you have to pay more than 8,000 yuan a month, which really has a great impact on the quality of life.
In the first quarter of 2020, the per capita disposable income of urban residents in China was 856 1 yuan, and that of rural residents was 464 1 yuan. According to the current per capita income level in China, it is difficult for most people to pay more than 8,000 yuan a month.
Secondly, just need to buy a house, even if there is pressure, it is better to buy it early. The so-called just-needed, that is, the family does not have the only housing, it is necessary to solve the housing problem of their own family.
Affordable housing is only for low-income families. If you can make up the down payment now, it is not good for you to hesitate.
Too hesitant to buy a house will increase your time cost. When I was 30 years old, I hesitated to buy a house. I thought about buying a house for 3-5 years, and I had to wait for 2-4 years after buying a house to hand over the house. It's almost nine years in a blink of an eye. When you can really live in a new house, you will be almost 40 years old.
In recent years, house prices have risen and people are getting older, which not only increases the cost of buying a house, but also increases the cost of time.
Third, balance the pressure and solve the housing problem. For buying a house, why do you just need buyers to be so entangled? However, this is because of high housing prices and the pressure of monthly payment.
Since they are defined as just in need, they definitely need housing. If they need housing, they need to buy a house. Many people are hesitant, indeed, because the high housing prices do not match their income. It's hard to collect the down payment, it's hard to collect the down payment, and there is great pressure to repay the mortgage every month.
Therefore, those who just need to buy a house need to strike a balance between the pressure of life and buying a house.
Choose the target of buying a house according to your own situation.
The city is constantly developing. Just because the present location is inconvenient does not mean that it will be inconvenient in the future. Being relatively remote now doesn't mean being remote in the future.
Now all aspects of the conditions are relatively mature real estate, the price will definitely be high, if the economic strength is temporarily limited, we can settle for the second best.
Fourth, summing up the 30-year-old housing loan for 30 years will really bring great pressure to life, and it will be very difficult in a few years. However, as a buyer who just needs to buy a house, he will eventually buy a house.
We should balance the pressure of life and the demand for buying a house. Solve the housing problem first, and then consider improving it later.
I just bought a house this year, 29 years old. Repay for 30 years, and pay 8 thousand every month.
I feel particularly stressed recently. I have to raise a child and pay off my mortgage, insurance and car insurance. The price of living is not low.
Coordinate Haikou, which is the consumption of a second-and third-tier city and a first-tier city.
Although I am very tired, having my own house is also a happy thing. We bought the school district, the best school here, at least the children don't have to worry about going to school in the future.
Without pressure, where does the motivation come from? Now, no matter how hard and tired it is, it is worth it.
What about those people who started paying their mortgages at the age of 30 and have to pay them back for 30 years? Well, in fact, it takes 30 years to actually repay the mortgage, and it only appeared in large numbers after 20 15. Before 20 15, many mortgage loans were still 10 years at most, while before 2009, most mortgage loans were paid in full or in installments of 3-5 years. We can only guess what will happen to those who need to repay their 30-year mortgage.
First, you can't start an innovation, and you have to go to work all your life. This is the status quo of house slaves after 70 s and 80 s, and can be scolded by the boss. Like ancient slaves, slaves mainly did whatever they wanted. In order to keep their jobs and make their salaries appreciate, it is not impossible for some people to relax their mortgages and improve their lives by selling their bodies to their leaders.
Second, you can't rest assured of consumption. Living standard retrogressed 30 years ago, I usually took food to the company to eat, and I couldn't afford to take it out. I am honestly at home on weekends. We basically don't spend money on other things except paying the mortgage. We buy daily necessities in Pinduoduo, or we can use Taobao ant flower buds and JD.COM white stripes in stages. When we need money urgently, Alipay can borrow money from them.
Third, I am most afraid of hearing that the economy is not good, housing prices are out of order and prices are soaring. Because for them, all three are fatal. It's hard to eat when the price rises sharply. I feel cheated if there is a problem with the house price. If the economy is bad, I'm afraid I can't pay my mortgage after I lose my job.
Fourth, you can't talk about happiness and play with others. Their biggest recreation room amuses themselves and reads real estate books. Well, there are at least suites, at least people from new cities. Don't make friends with them for fun, because they are not from the same world. Play around before buying a house, and play at home for decades after selling a house. But now it's faster to have Tik Tok, it's faster to brush Tik Tok with a wry smile, or watch more news broadcasts, and there are some brainwashing TV dramas (such as "settling down"), which is good.
I think the house is the most important foundation in a person's life. If you can't get married, you can't achieve your career. At the same time, mortgage is also your most cost-effective long-term investment, because the interest on mortgage is far less than the rise in house prices. Think about the housing price and price level ten years ago, and then compare the current housing price and price level, and you will know what a cost-effective investment it was to buy a house mortgage ten years ago.
Suppose I bought an apartment of 130 in Qinzhou, Guangxi in 2065,438+05, with a price of 3,600 yuan per square meter and a floor of 12, with a total price of 470,000. I borrowed 265,438+0,000 yuan from the bank for 20 years and chose the way of average capital. At the beginning of each month, I paid back 1600 yuan.
In contrast, the current house price has soared to around 5200, and my house has appreciated in just four years. Therefore, I think the longer the housing loan, the better, because the house will appreciate, and the repayment amount will become insignificant because of the rise in prices and wages. Think about it. 10 years ago, it was a heavy pressure to pay 800 yuan every year, but now 800 yuan is not a problem at all, so you can draw a conclusion.
So I think it's best to provide a suite with a certain capital and salary, and the one with the longest service life is a good choice. You know, life will get better and better. With a house, you will work harder.
If you just need to buy a house, it is very necessary to start repaying the mortgage no matter how old you are. Because the house is a shelter for the family, it avoids the wandering life of the family.
However, if this suite is dispensable, then I don't recommend borrowing money to buy a house at the age of 30. Because, owing on the loan pressure, appreciation space is too small.
I just sold a house in three northern counties (Xianghe) last Sunday. 826,5438+02 square meters, sold 7,654.38+0.5 million. It is sold at a price of 8700 yuan per square meter. Of course, I bought this suite at 6300 in May 20 15. It takes five years from purchase to sale.
6300 buys a floor, 8700 sells a square meter, and 2400 is added in the middle. However, what I want to say is that this suite, instead of making money, I sold it at a loss. Can you believe it?
Now, let's take a look at the screenshots of repayment in recent years: in four and a half years, a total of 370,000 loans have been repaid, but there is still 342,000 principal left.
In other words, in recent years, I have only paid back the principal of 28,000 yuan, and the rest is all interest!
A total of 57 debts were repaid. In the first two years of repayment, the annual repayment is more than 2000. Pay back 1964 every month from now on. 76 yuan.
At first, I remember that the monthly repayment can reach 2800.
Even if I repay 2000 yuan every month, I have paid 1 14000 yuan in the past few years. I didn't expect there to be 86 thousand interest in it.
Plus my down payment, the security fund when I closed the house, the deed tax and the house maintenance fund. In the first year of repossession, property fees and heating fees must be paid. In the next few years after the house is closed, no matter whether you can't live, the property fee must be paid, and there are still many points. When you go to the next room, you must pay the house investigation fee and so on. ......
When these expenses add up, it is really a total loss rather than a profit!
Let me talk about the real idea of buying this house at the beginning: in June of 20 15, I was 3 1 year old and gave birth to my second child, a boy again. When I saw my two sons, they both had big heads.
Influenced by the good news that the Beijing municipal government moved to Tongzhou as a whole, I want to go to Beisan County to buy a house quickly. After the price increase, I went to Tianjin to buy a big house, and then settled down in Tianjin.
In May 20 15, the real estate market in Xianghe flourished. When we bought a house, it is no exaggeration to say that we got two suites by robbing the house.
In order to buy these two suites, my husband and wife emptied all their possessions and took on a heavy mortgage.
The house was bought with a mortgage loan, and a lot of loans were paid every month. However, my husband and wife are just ordinary wage earners, living on a fixed salary every month. To tell the truth, both of them feel a lot of pressure when they repay the loan every month.
With the growth of our two children and the increase of kindergarten fees, our pressure is increasing day by day.
I have been thinking about the price increase of the house, so that we can take action to realize our goal of changing houses. But the market is getting worse and worse, or maybe I was greedy and didn't sell it earlier, so that I can't bear it now and sell it at a low price!
The purpose of changing houses has not been achieved, and we have to bear the mortgage for five years, and the quality of life has seriously declined!
Therefore, I personally think that if it is not just needed, don't borrow money to buy a house easily. The state has repeatedly stressed that houses are for living, not for speculation. Under this policy, I think the house will really be like the price of cabbage in the future, and there is not much room for appreciation. It may go up, but it will definitely go up steadily and slowly, and it will never go up. Slowly rising, that's not enough interest for the bank. I worked hard for several years to lower my quality of life. I work entirely for myself. Why bother?
I have been a house slave since I was 33 years old, and it has been exactly five years since I paid back the money this month. Tell me how I feel.
I am a conservative person, and I don't like being in debt for too long, so I applied for a mortgage of 15, because I don't want to wait until my children graduate from college and my mortgage has not been paid off, which will give them a bad impression. And I have been thinking about debt and dare not improve my quality of life.
I just went back to my hometown last week to find a bank and paid back 80 thousand in advance. The monthly payment has dropped from 2906 yuan to about 2000 yuan, and the pressure is more relaxed.
There is still a gap of 1.9 million. My goal is to pay off the mortgage in more than two to three years. Just before the children graduated from primary school, they paid off their debts. After that, their monthly salary of more than 10 thousand yuan can be much easier and they can take their families out to travel more.
At this stage, if you want to repay your mortgage, you can only live on your salary every month, especially now that prices are rising, you dare not buy too much meat, and the most you eat is eggs. Save as much as possible. If children want to travel, they dare not go too far. Try to go on the same day, and return this kind of thing on the same day.