My mortgage is 4380 yuan per month. My feelings are just the opposite of yours. There is a lot of pressure when you don't buy a house, but it is much easier when you buy a house.
Working in Shanghai 10 years, renting a house 10 years. Rents are rising every year, which can be understood by people with a history of renting houses. 1 1 planned to buy several properties in Shanghai and went to Songjiang area. At that time, the house price seemed to be a little more than 10000, so I didn't have high consciousness and courage. So I bought a large apartment in my hometown county (this house at home is mainly paid by my parents, and my parents don't want me to buy a house outside), 196 square meters, all the fine decoration was done, and I got married.
13 years, I want to buy a house again, and it is another wave of house viewing. But the house price has risen to more than 20 thousand, and the courage is still not enough. I changed a car.
15 Shanghai purchase restriction, social security must be over 5 years, unqualified.
18 social security is enough, and the children are at school. Buying a house is imminent. At this time, the house price has dropped by about 20% from the peak of 16. Finally, I saw two suites and made a decisive move, starting at more than 30,000 points per square meter.
I try my best to make a down payment, and the portfolio loan is 890,000 yuan. In 30 years, the loan period given to me by the intermediary is the longest and the cost performance is high. Now think about it. Our family now earns about 250,000 yuan a year, and we plan to pay back 300,000 yuan first next year and 200,000 yuan the year after. If the interest rate of provident fund loans is low, we will pay it back slowly. No pressure.
The income will be higher and higher, which is not behind the mortgage. Therefore, as long as the down payment is enough, just need it, don't hesitate, start early. It is expected that house prices will rise again in 2020, and the mortgage interest rate has been reduced.
This post is proof! ! !
25 years old, male, single, I don't think I should rent a house, and the coordinates are Liaoning. Panjin, house price 3 100, total price 23w, down payment 1W, monthly payment 1400, salary 4000+, no credit card debt, no AliPay debt, happy life, [yi tooth] [yi tooth]
A friend of mine has two houses. /kloc-in 0/5, his family bought a full set. 18 years, house prices rose rapidly, but this set is not a complete set. This is a mortgage. The mortgage loan 1 100 is also 8500 yuan per month.
After the family bought him a second house, I felt that he had changed.
He used to work in a company, and his monthly salary was not high, five or six thousand yuan. On weekends and holidays, he will invite several of our close friends to go shopping together. Although his salary is not high, he has a good time every month.
After buying this house, the most direct problem is that his monthly salary is not enough to repay the mortgage.
He had to quit his old job and change to a new one, but the salary of the new company was not much higher than before, and it was still not enough for a month's mortgage, and his wife had just given birth to a child and didn't go to work to take care of the child at home.
He had to take a special bus after work. Take orders directly as soon as I get off work every day, go home to sleep at twelve o'clock at night, and go to work normally the next day.
Although it's not far, it's rare to see him once now, and I've never seen him call everyone to go shopping for the holidays again. He often tells me that since he bought a second house at home, he has lived like a dog and never dared to take a day off, so he sometimes has to borrow some money from some of our friends to stay for a while.
/kloc-graduated from university in 0/3,/kloc-bought a house with a down payment of 230,000 yuan without telling his family in 0/6! Loan760,000! The monthly mortgage is 3800, the rent is 2800, and other expenses are 4000! Output more than 10 thousand a month! It used to be takeout, a big meal every week. Now I choose cheap food. I bought an 80,000 parking space this year! Thanks for being single dog! You have to save your own decoration money, car money and future bride price money! The drink changed from navy to mulberry soaked in bulk wine! [Cover your face] [Cover your face] [Cover your face]
The total house price is 85 yuan, and the loan is 50 yuan. The pure provident fund is 20 years, and it is 2830 yuan per month. You don't have to pay back a penny in the first 20 months, and deduct the provident fund. If the wife takes care of the children, the salary of the provident fund will increase by about 6,000, and there will be about 200,000 left in the hand. I'm going to stay until my children go to primary school and my wife can go to work. It is estimated that the pressure will be less. After 20 months, I will be under great pressure.
Look at everyone talking in full swing. Let me also talk about my experience of changing rooms.
Personally, I am sensitive to financial trends. When the housing reform and affordable housing were implemented in 2000, I acted immediately. I took it out of my pocket (not from my relatives in the first year, but from my brother), only 15000, and I couldn't buy it with a down payment of 20 thousand. Turn into the stock market and earn 6 thousand in two weeks. I raised enough 20 thousand, and the unit said it was sold out. I'm too honest. Later, some colleagues went to embarrassment every day, and some people didn't like to pay the bill, so he bought it. And gifts, bought a house from the obstetrician. )
200 1 bought a 78-flat multi-storey house, and paid 500 to 600 yuan a month for five years. The life after buying a house is really full of hope. I often go to the construction site for fear that the workers will be careless for themselves. In fact, no one will give you a break. Nowadays, people think it's not a problem to pay back 500 to 600 yuan, but at that time it was still half a month's salary and my wife didn't have a job (at that time, the market was inactive and there were few job opportunities). Immediately after the house came down, I bought two beds in the second-hand market, equipped with gas tanks, and rented an old desk bare room, which was cheap and easy to do. It's also three or four hundred a month. The rent was paid in half.
In 2007, I made some money in the stock market. In 2008, I'm considering changing to a bigger one. I took a fancy to a set of 140 retest and almost went to the bank for a loan. The bank said it was frozen and would not lend. I didn't come into contact with this until after work. At that time, real estate agents had no influence. If I find an agent, I may be able to do it. ) My wife and I took a fancy to a house in Guangzhou because I hardly borrow money. (There was no support at home) At that time, the houses in Guangzhou (which are now prosperous lots) were not expensive, ranging from 3,000 to 4,000. It's 50 thousand, and now it's the closest I've come to wealth, because I don't have enough strength and knowledge, and it didn't come true in the end. (At that time, it was mainly borrowed from relatives. The basic conditions of relatives and friends are similar, and I don't have any money. At that time, it was not so convenient to borrow money (not from Guangzhou), and the real estate company didn't sell it as hard as it is now)
/kloc-bought a set of 130 flat in 0/0. In the initial stage, I also borrowed from the left and borrowed from the right, and sometimes I was moved. After that time, the income grew slowly, and that little loan was nothing.
In the past two years, considering the differentiation of the real estate market, we have dealt with the houses in our hometown and the houses in the counties and cities below. Buy a house around the first-tier cities, one for children and one for the elderly.
For most people, buying a house is a big deal, even the rich. It is not easy for ordinary people to buy an ordinary house and for the rich to buy an expensive house. We must persist for a period of time. Since there is no rich second generation, let's die. Especially for people like me who have no support at all, think carefully before buying. If you give up halfway, it is estimated that it will be difficult to turn over in the future. When you get through that time, watch your parents, wife and children live happily under their own protection. All difficulties and hardships are just passing by.
I am a 90-year-old female, with two monthly mortgages of more than 8,000 yuan, in Guangdong! I have two sons, and I dare not miss work. Take this mortgage with the living expenses! Tired too.
In 2003, I saw a 5000-square-meter building in Nanshan District, Shenzhen. 80 flat, 400 thousand down payment, 90 thousand third installment, we only have 60 thousand, 30 thousand short. I never thought about asking for it at home (my husband didn't even know his parents had money [covering his face], and the family didn't spend money when we got married). All the 50 flats are sold out. Half a year has passed, and the 5000/ flat banner is still hanging. At that time, most of Shenzhen customs were five or six thousand. In 2005, I saved 65,438+million, and I was pregnant, so I was afraid to buy it. In 2008, I have foreseen that all prices will rise, but there is nothing I can do without money. When the child was 3 years old, he began to consider going to school and found that the schools around his grandparents' homes were at the bottom of the city. The whole family wants to buy a house and opposes it. They think the house price is too high for a degree. Once a goddess of moonlight, I gave up my job as HR manager, went to the front line to do sales and tried to save money. Seeing that the house price is getting higher and higher and farther away from the goal, passing by the door of the real estate agency and seeing the house price start at 1 10,000, I feel that life is hopeless.
1 1 on new year's day, my colleagues and I made a new year's wish and said to ourselves a hopeless hope, "I want to buy a house." As a result, God helped me, and with the help of my family, I bought a flat three-bedroom apartment with a monthly payment of 800 yuan, which was very stressful. In order to make money, my husband jumped from foreign companies to private enterprises. 12 years, my company couldn't pay wages during the recession, so I found a long-term business trip to make money. /kloc-at the end of 0/4, in order to take the children to resign, I worked for myself while taking the children. The pressure is too great. I work hard with my children from Monday to Friday. The children are getting better and better and the company is getting better and better. Later, I paid back the loan and the money my elders gave me. From 15 to 16, the house price doubled. I'm glad I bought it. I just relaxed a little, and then found that the nearby middle school was not good, so I bought a palm-sized second-hand school district with a monthly payment of 7 thousand. Fortunately, the rent can be offset by half. After two years, it has increased a little, which is enough, and there is still a little surplus. In the future, children will live in Shenzhen after graduating from college and sell them as a down payment when they get married. Looking back now, if the children hadn't forced me to go to school, I would still live at my grandmother's house. It is estimated that I can't afford a house in Shenzhen in my life.
I often force employees in the company to work hard and earn more money. I saved some money and asked my family to borrow some money to buy a small house of my own in Shenzhen. Under my influence, several colleagues bought houses in Shenzhen or Dongguan, Huizhou, so they could bring their parents and children to their side, and their happiness immediately improved.
Young people who come out to work have Shenzhen hukou and housing, which shows that they are hardworking, capable and enterprising. It is a very real affirmation of yourself, more worthy of respect than luxury bags. Parents are also assured+proud. It's much easier to sell cars with a house. Of course, single girls should pay attention to the opportunity to send themselves home with male tickets. First-tier cities have high population density, and house prices will rise slowly. Buying a house is also a relatively safe way of saving and investing, which can resist inflation. In ancient times, rich people were wealth accumulated from generation to generation, and the most valuable thing was real estate. Just like reading as a child, when you are young, you will get better and better in your later life, and your horizons will become wider and wider. When you are lazy, you will suffer more in the future. I wish everyone a room!