It's almost 2022, and some people say that civil servants have gray income. In fact, civil servants, like ordinary people, buy houses with loans. The difference is that after the civil servants pay the down payment, due to the high provident fund and position advantage, the repayment pressure in the later period will be much easier than ordinary people. Especially in the central and western regions, housing prices are low, civil servants' monthly provident fund is enough to repay their mortgages, and there are even some surpluses. This is the advantage of civil servants, which ordinary people can't compare with.
Take the central and western regions as an example. Ordinary civil servants earn more than 3,000 yuan a month, while some government officials do not exceed 4,000 yuan. The whole southeast region is much higher than the central and western regions, otherwise, not to mention buying a house, the daily expenses are all problems. However, the monthly salary of 3000 here is not all income. You know, civil servants can get a year-end performance award of 1 10,000 to 20,000 at the end of each year, which means that their monthly income is more than 4,000. Coupled with the bilateral housing accumulation fund 1500, there are all kinds of messy subsidies, and it is basically no big problem to earn 70,000 to 80,000 a year.
Assuming that the house price in the central and western regions is 7,000 yuan/flat, it takes 700,000 yuan to buy a house with a flat of 100, and the down payment of 30% is 2 10000 yuan. If both husband and wife are civil servants, it is basically no problem to save 70 thousand a year. A down payment of three years is enough. If it is not enough for relatives and friends to borrow some money, you can also make a down payment. Borrow another 500 thousand to buy a suite, and pay it off in 20 years, almost more than 3000 per month. If both husband and wife are civil servants, each moonlight provident fund is basically enough to repay the mortgage, even if it is not enough. If the house price is not 7000 yuan, there may be a certain surplus every month, which is also the reason why civil servants can buy a house in a short time.
Even if both husband and wife are not civil servants, as long as the other party has a relatively stable income, judging from the current welfare level and status advantages of civil servants, there will be no great economic pressure to increase the mortgage every month on the premise of making up the down payment.