In the traditional concept of China people, they don't want to borrow money to do things. After all, there is an old saying, "Eat as many bowls of rice as you can." Therefore, some property buyers say that if you borrow money to buy a house, you will wake up every day thinking about owing the bank 500 thousand, but your salary is only 5000. You don't know when you can pay it back, and you are afraid that when your income is cut off, you will be in trouble and your house may be taken back.
I have to say that there are not a few people who have this idea. Although repaying the loan is likely to bring some pressure to your life, if you carefully analyze the benefits of buying a house with a loan, it will definitely do more harm than good.
In fact, there are still many advantages to buying a house with a loan. Professional organizations have listed it a little and given many examples. For example, the biggest advantage of buying a house with a loan is to turn you from the proletariat to the bourgeoisie and from a houseless household to a householder. Of course, buying a house with a loan has the following advantages:
1, can you buy a house with less money in the early stage?
Now more and more people buy houses through loans. Buying a house with a loan can cost very little money. You only need to prepare a part of the down payment and have a certain repayment ability. The rest of the money is going to be borrowed from the bank.
2. Low interest rate and more flexible use of funds?
Judging from the changes in interest rates, the benchmark mortgage interest rate has dropped from 5.65% in the same period last year to 4.9%. Taking the 30-year principal and interest loan of 6,543,800 yuan as an example, the interest can be saved by about 6,543,800 yuan. On the other hand, from the perspective of investment, interest rates are now in the downward channel, and buyers can use funds for other investment projects, making the use of funds more flexible and convenient.
3. Is the risk of buying a house small?
Because the bank is very strict in reviewing the mortgage and tries to minimize the risk, the bank will inspect the house that you borrowed to buy a house, so that the house purchased by the buyers will generally have no problems and ensure the safety of assets. You can't see the benefits of buying a house with a loan.
The advantages mentioned above are obvious, and the problems mentioned now may not be realized by many buyers.
Let me explain first that many people refuse to borrow money to buy a house because it is more cost-effective to buy a house in full and there is no need to pay bank interest. Therefore, even if these people borrow money to buy a house, they try to choose the one with the shortest repayment period. The reason is that the shorter the loan period, the less interest they will eventually pay and the less losses they will suffer.
But don't forget that the loan to buy a house itself is to reduce the burden of life. The longer the loan term, the less the monthly repayment and the less pressure, and the corresponding quality of life will definitely improve.
More importantly, today's society is in a period of soaring prices and inflation, which I am afraid China people are well aware of. Then the interest rate of saving money in the bank can't keep up with the soaring prices, which means that you are losing money by saving money in the bank. To put it simply, 100 yuan ten years later is not the same as 100 yuan now, and the purchasing power of 100 yuan today is not the same as it was ten years ago.
Therefore, saving money is not as good as spending money. Of course, consumption is not equal to profligacy. You can exchange your money for things that preserve value, such as gold and houses. So since you have the intention to buy a house and have a certain economic ability, why not buy a house when the RMB depreciates and inflation continues to expand? After all, compared with other forms of investment, such as stock trading and P2P, real estate is still the safest choice. Of course, don't forget that the price of the house is still rising, and there is no sign of falling at all. It is very unlikely to objectively analyze the possibility of falling house prices.
Well, since the interest rate is low, the RMB is worthless in the bank, and the house is the safest asset preservation option, why not choose a loan to buy a house?
China is currently experiencing inflation, and the rate of RMB depreciation will be much faster than the interest you pay. Even without inflation, prices are still rising, that is, the less valuable the money, the higher the salary.
Imagine 3,000 yuan a month now, and then 3,000 yuan in ten or even thirty years. Do you still think that 3,000 yuan in the future can buy things with 3,000 yuan now?
According to the information found on the Internet, the price of pork in 1980 was 0.85 yuan/kg, and today's price is about 26 yuan/kg, which has increased by 3 1 times in 36 years. Let's make a bold assumption that 3000 yuan in 30 years' time may not even be worth 300 yuan now. Therefore, the longer the loan term, the more cost-effective. Using future money to consume present things not only effectively resists inflation, but also enhances the value of assets in disguise. Why not?
(The above answers were published on 20 16-05-30. Please refer to the actual situation for the current purchase policy. )
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