Let's first understand a set of data:
According to the statistics of buying a house with shells, the average age of buying a house in 202 1 China is 27 years old, Japan is 4 1 year old, and South Korea is 43.3 years old.
Maybe we think that different living conditions lead to this data, but it is not.
I have heard a new term called the ratio of house price to income.
The calculation formula is: ratio of house price to income = total house price/annual household income.
For example, the average house price in a region is 1 10,000, and the average annual household income is 1 10,000, then the calculated ratio of house price to income is 10. The higher the number, the harder it is to buy a house. According to this formula, some institutions have calculated that the ratio of house price to income of 202 1 is 27.89 in China, 26.08 in South Korea and 65.08 in Japan.
In recent years, various marketing numbers will persuade young people to buy houses as early as possible, and there will be many people drying real estate licenses. Presumably, most of them are bought by their parents and grandparents, so I think the timing of buying a house depends on family conditions and their own conditions.
According to statistics, the average age of buying the first suite in China should be between 27 and 38. My cousin is 29 years old this year, which is relatively low among buyers. At the end of 2020, enter the marriage hall. Because his family is well-off, he bought a house directly on the Second Ring Road, and our city is a new first-tier city. Such young people may only be the tip of the iceberg in our country.
More young people choose the idea that their parents make a down payment and take out their own loans. If your parents have prepared a down payment for you and you don't have any good investment, you can buy a house first and then repay the loan slowly.
There's a big sister in the office. That's it. She is 32 years old. Two years ago, her husband's father made a down payment and let them buy a suite on the edge of the Third Ring Road. After that, she and her husband began to repay the loan. After paying off the mortgage, they hardly dared to attend the party organized by us. Although it is a little hard, the small life is not bad, and they enjoy it.
But if you are a young man who works hard in the city alone, you don't have to rush to buy a house without the support of your parents. After all, renting a house is not impossible. In this world, there are people who buy houses in full, people who buy houses with loans, and young people who have been renting houses.
I have a friend who is 37 years old. Because his parents are in the countryside, they not only can't help him, but occasionally ask him for help. Therefore, after graduating from college, he struggled for nearly 16 years. I bought my first suite with my wife only two years ago. He bought it with a loan.
People are slowly discovering that houses are more used for living than for speculation, so young people don't have to worry too much. Houses are indeed growing steadily. If you can buy a suite at home, you can buy it at any time, because the house is at least valuable, but when the conditions are insufficient, you should buy it according to your own and family conditions. Don't buy a house blindly because of the eyes of people around you or the suggestions of various video numbers, and don't be bound by inherent thinking. This will only give you money.