Calculate the basic cost of buying a house first. If you buy the first house, the down payment is about 25%~30%, and we calculate it as 30%, then the down payment is only 300,000, plus some taxes, which is estimated to be around 320,000. Of course, if you buy a second-hand house, it is another matter, because the second-hand house probably needs to pay a commission of about 2%, which means an extra commission of 20 thousand yuan.
So in addition to the down payment of 300,000 yuan, you have to pay an extra 20,000 to 40,000 yuan. If you only have 300 thousand on hand, you have to borrow 20 thousand to 40 thousand more. For ordinary people, I think it should be no problem to borrow 20 thousand or 30 thousand. What really bothers you is not whether you can buy a house, but whether there is pressure in your life after buying a house.
If your down payment of 300,000 and 700,000 mortgages are all commercial loans, we will add 60 basis points to LPR according to the interest rate level. The actual interest rate is 5.2%, and the repayment method is equal principal and interest. The longest term is 30 years, so the monthly repayment amount is 3843.78 yuan.
Can you afford 3843.78 yuan a month? As you mentioned in the title, your current monthly salary is 4000 yuan. If you buy a house, you have to pay back 3843.78 yuan a month, which means that after deducting the monthly salary, only 150 yuan is left. If your family lives on one person's salary, it is obviously unbearable. You have to consider several issues.
First, after deducting the monthly payment, what do you live on?
I don't know which city you live in, but no matter which city you live in, according to the current price level, if you are in a town and want to ensure the most basic life, you have to pay at least 1000 yuan a month. These expenses include your meal, communication, utilities, transportation and so on.
If there are more people in a family, such as more than three people, the living expenses will be more. According to 1 10,000 houses, the local living standard should not be too low. It is conservatively estimated that the living expenses of a family of three should be at least 1500 yuan. But after deducting the monthly payment, you can only spend about 150 yuan, which means you can't even spend your living expenses unless you borrow money from others.
Second, if one day you lose your job, what about your monthly payment?
Buying a house should not only consider the current economic affordability, but also consider your future affordability. If only one person in a family has a source of income, it is actually very risky. If you have no savings or other sources of income, the risk is even greater if you rely entirely on your salary to maintain your monthly payment. In case of unemployment in the future, there will be no source of income. What will you use to repay your monthly payment?
If you can't repay your monthly payment normally for several months in a row, the bank will take you to court at any time and then ask the court to auction your house. The house will be auctioned at a very low price. Not only can't make money, but you can't even get the down payment back. At that time, the loss will be great. So according to your current income level, if the total family income is only 4000 yuan a month, I don't suggest you buy a house casually. Unless there is another person besides you who has a source of income of more than 2,000 yuan, there should be no problem in buying a house.
If you have to buy it, you must find ways to reduce your financial pressure. In the past ten years, house prices in China have been rising continuously. As for whether house prices will rise in the future, no one dares to give an accurate judgment. Especially in the first-and second-tier cities where the net inflow of population is relatively large, if there is still a steady inflow of population in the future and the supply of houses cannot keep up, then house prices may still rise.
Based on this judgment, if your current city is a first-and second-tier city with developed economy, superior resources and great attraction to the population, you may wish to buy a house as soon as possible, and the earlier the purchase, the lower the cost. However, according to your current income level, the monthly payment for buying a house is 6.5438+0 million, which is almost the same as your salary, and there is no money left to live. Is there no other way?
In fact, there are two ways to adopt.
First, after buying a house, rent it out and then rent a small house to live in.
We don't know the area of your house, and we don't know the local house price. But if a house can be worth 6.5438+0 million, I think the local rent can reach at least 2,000 yuan, right? If the house you buy is a second-hand house, you don't need to decorate it, and you can rent it out directly after all the formalities are completed.
If the house rent is calculated at 2000 yuan per month, the total income of a family will reach 6000 yuan per month. After deducting the monthly payment of about 3,900 yuan, there is still 2 100 yuan at your disposal. Then you can choose to rent a cheaper house, for example, the monthly rent is about 1 000 yuan, and the remaining 1 654,38+0,000 yuan can be used to meet the daily expenses, so that although life is tight, at least you can ensure that you can maintain the most basic life after buying a house.
Second, buy a small house.
Your topic doesn't say what the area of your house is. Let's assume it's 100 square meter. If the financial pressure is great, you can change to a smaller house, such as buying a house of about 70 square meters, which can reduce the expenditure of 300 thousand. For a 70-square-meter house, we will count it as 700,000. The down payment is only about 2 1 0,000 yuan, and the monthly payment is about 2,750 yuan, so you have 1 left over from your monthly income of 4,000 yuan, which can be used for your life, and the pressure will be much less.
But even if you do, your life is still very tight, which can only be a stopgap measure. If your income never comes up, you will still be in a very passive situation. So, on the whole, according to your current income level and savings level, I don't recommend you to buy a house blindly. You can wait until your savings are more, or until your income increases, so the pressure may be less.