I once met an owner who had a big three-bedroom apartment in Huiyang and bought a small two-bedroom apartment with a loan in Shenzhen. I was surprised to learn that he didn't buy a car after several contacts. Later, he said that the first suite was also a house patrol with colleagues, and he looked at his heart and went home to discuss it with his wife and bought it. The second set can be registered in Shenzhen for children to study. He also stayed in Shenzhen for more than ten years and bought a small two-bedroom apartment as soon as he got the qualification to enter Shenzhen. Now the house, registered permanent residence and children's schooling are all settled. As for the car, it is convenient for him to go to work by subway, but it is inconvenient to drive, so he didn't buy it. However, it is a little inconvenient to go back to my hometown. Now that my wife and children are in Shenzhen, it doesn't matter whether I have a car or not.

Real estate is always a value-added product, while cars are consumables, and everyone with a discerning eye knows that.

First, in the past 20 years, real estate has always been the representative of value-added products. Even if it doesn't add value, at least preserving value is inevitable, but cars are not. There are several such friends around me. They had the opportunity to buy a house around 20 15, but because they were almost rich (in fact, they didn't want to be in debt), they chose to buy a 65438+ 1 100 million SUV. More than four years have passed. At that time, all my friends with similar conditions had moved in and were ready to change to a big house. My friend is still renting a house, ie the house price is too high to buy. In the case of poor income, I dare not drive more cars (for fear of wasting gasoline). What do you think is the significance of buying a car?

Second, the car is actually a means of transportation. Nowadays, most young people buy cars for appearance. For friends who have lived and worked in the city for a long time, because of the developed transportation network (bus, subway, etc. ) The demand for cars is not high. In addition, in recent years, many cities have begun to restrict traffic. The main reason why most friends choose to buy a car now is to save face. At least, they feel that they can hold their heads up in front of relatives and friends, and the house and car account for at least one. But do you think they really need to buy a car? I do not think this is necessarily the case.

Third, do you think it is wrong to buy a house with a loan, compared with lower and higher car prices and higher housing prices? This is why I say that people who would rather buy more real estate with loans than spend money on cars have investment prospects. Five years ago, what car could you buy for 654.38+ 10,000 yuan? 100000 What do you want now? It should be clear to everyone. I have such a friend around me who has a little spare money. People around him advised him to buy a car, but he bought an apartment because he wanted to be a studio in the future. Now that the studio is open, business is good. According to what he described to me, it is easy to buy a car next year. In fact, in the final analysis, this is the problem of investment philosophy. Some people like to enjoy it in time and fill the windows; Some people just like being pragmatic, investing and increasing personal wealth. In the next 3-5 years, the gap between different options will become more and more obvious.

There is nothing wrong with people who would rather borrow money to buy several suites than buy a car, but people who sell cars are very sad. First, any sales industry likes customers' impulsive consumption, and the most fearful thing is rational consumers. People who prefer to buy several suites with mortgages are undoubtedly rational consumers. It can be said that this group of people has a strong subjective consciousness (that is, what we call positive ideas), and it is difficult for any salesperson to win these customers through his own sales skills. The only way is that when they really need to buy a car, they will naturally come to the door and provide good service. Remember that hard selling is annoying.

Second, how did the rich get their money? As an ordinary person, I really need to study hard. Friends who have read my articles should know that I often mention that everyone should have investment thinking. This has little to do with whether you have idle funds on you. This is a question of concept. In today's 20 19, if you don't have investment thinking and learn to make your property increase rapidly with reasonable debts, then your life pressure will become more and more serious. In fact, in the final analysis, many people have the same starting point, but there is a problem with the choice of key moments. Whether there is advanced investment thinking is one of the key factors.

It makes sense for people to be rich. If they don't want to buy it, it means they don't just need it, knowing that the car is losing money, they don't just need it, which means they are rational consumers.

Unlike people like us who buy a car without a house, they can't live at all and are doomed to be poor.

Cars are consumer goods and houses are value-added goods.

After buying a car, there are too many things needed in all aspects, such as maintenance, repair and careless scraping, risks when driving and so on. The house is different. This is a permanent product. In a prime location, the house can only increase in value and will not depreciate.

Influenced by tradition, China people attach importance to family and righteousness, and the concept of family is deeply rooted. With a house, they will have a place to settle down and create a' legacy' for future generations, which is beneficial in the long run.

But everything has its limits. The state advocates that "houses are for living, not for speculation". I'm impressed.

Because cars are consumables, buying a new car will depreciate by 20%, so you have to consider buying it. Every year, car insurance costs several thousand yuan, including fuel, maintenance, fines and parking fees.

Buying a house can add value. For example, the housing price in Xiangyang has doubled in the past two years.

If you had a choice, would you rather buy a car and devalue it? Or buy a house and continue to appreciate?

Tell a true story first. About 15 years ago, I had three rich neighbors. At that time, listening to them talk about making money in the sea was very advanced.

One of them bought a shop, one bought two cars and one bought a house.

Now the shops have not appreciated, but they are still worth the money, and they have also earned rents in recent years.

The man who bought a car still lives in a small house. After depreciation, the two cars are only worth tens of thousands of dollars. There is no deposit at home, and the expenses for children to go to college are borrowed by relatives.

There are now four houses to buy, and the rent greatly exceeds the loan amount, which can even be used for down payment.

I don't know if you will be inspired.

We might as well tell from the following three aspects, what is the psychology of people who would rather borrow money to buy several suites than buy a car?

1. Keeping the value of the Maserati that dragged Guo Meimei into the water that year is also one of the important ways for her to show off her wealth. This is second-hand. Some time ago, the arrogant female driver who was slapped in the face in Chongqing did not know how many hands she had opened.

If they are so high-profile and arrogant, why do they buy used cars? Because it's cheap. Cars depreciate, and the speed is fast. You did spend a lot of money on it, but it really didn't sell much.

Generally speaking, unless the house is bought on the tuyere, or the whole city is going downhill, it will at least preserve its value.

2. Accumulate wealth As mentioned in Rich Dad and Poor Dad, we must first distinguish between investment and debt.

Investment includes renting out the house for rent, or selling it after the house increases in value, that is, money is making money for you; Liabilities include cars and houses you own, that is, you are constantly spending money.

In other words, by buying a house instead of a car, they can get more wealth on the basis of preserving their value. Because they not only earn income through work, but also help them earn income through assets.

3. Life is convenient. I have a colleague who has a 1 house and two cars at home. Recently, he was at a loss. Why? Because children have to go to kindergarten, but there is no better public kindergarten nearby, and the house is not a good school district.

At present, there are many families with one big house and one small house. Because school districts are more expensive, we usually buy a small school district and then buy a big ordinary house.

Similarly, some people will buy a small apartment near the company and walk to work, not afraid of traffic jams, but also save time.

Speaking of cars, I don't know what your city is like, but if you want to park on holidays in my city, you have to wait at least 1 hour. Driving in rush hour is not as fast as walking. Don't drive, choose public transportation or taxi software. If you want to drive by car, renting a car is also very convenient now, which is much cheaper than buying a car yourself.

To sum up, it is rational to buy a house unless there are specific needs, such as frequent business trips and driving to find a partner.

This is normal. My brother is 50 years old. He has a suite and a shop for rent in Shenzhen, a 200-square-meter house and an office building for rent in Guangzhou, and a 7-story farmer's building for rent. He has two floors of small property rights and six houses on the first floor in Guilong, a villa in his hometown and a newly-built rental house with elevator on the 10 floor. He always takes the subway bus and only drives a motorcycle in his hometown.

I am Mu Lin, the creator of high-quality psychology and a psychology lover. Let me answer your question.

Everyone has a different position on consumption. Not all people like to package themselves in all aspects to look like "rich people".

A truly rich person depends not only on his ability to make money or save money, but also on whether he has a strong heart and a wise mind.

Just like your question, a person who has a high annual income but prefers to borrow money to buy a house rather than a car is a person with ideas.

0 1 There is a financial management concept that "the brain commands everything", and all our behaviors are influenced by the command and emotions of the brain.

Earning hundreds of thousands a year shows that individuals have a strong ability to make money, and they can pay back with loans. And the biggest way to make money is "Qian Shengqian".

If all the money is used to buy a house and a car. Turning working capital into fixed assets has gone up in status, but money has also become "bricks and steel plates".

But investing in a house is risky. But it's better than buying a car and turning it into a used car.

As we all know, to judge whether a person's life is passable now, at least he must have a house and a car. One is life, and the other is travel.

People with such a high annual income would rather speculate on real estate than buy a car, which shows that life is very low-key and does not show off wealth.

At the same time, I don't care about the superficial life. Not only do not buy a car, but also do not choose to go to high-end cocktail parties and places. It's not that I don't know how to enjoy it, but my orientation is different.

People who constantly pursue their dreams earn hundreds of thousands of dollars a year, which is enough to meet the expenses of a family. It is no exaggeration to say that it is still the standard of rich people.

But I prefer to borrow money to buy several houses, which invisibly increases my life pressure.

It is this kind of cognition and mentality that will be transformed into motivation to push yourself forward and work hard to achieve higher achievements in life.

It is better to earn so much money after a beautiful youth than to eat, drink and be merry in time.

In fact, I am the kind of person you said [covering my face]. I'm terribly sorry. Let me talk about my psychology. The first suite was bought at the mother-in-law's house before marriage, and there was no gift, which was equivalent to buying for the parents-in-law. The second suite was bought by 16 in Nanchang. At that time, my daughter-in-law was pregnant and said that she might return to Nanchang for development, so she paid a deposit to see the house. Later, I found it more and more right to buy a house, because if you buy a house, there will be a house there. No house, no house and no money. Buying a house can help you develop good financial habits, make you work harder and earn more money. The most important thing is to watch the value increase. Buying a house early is indeed more advantageous and less stressful than buying it late. The third suite is because children have to study in Shenzhen and buy a small school district. Now they are still in debt, but after all, it is worthwhile for their children to study in Shenzhen. Because the decision to buy a house is relatively correct, I am much better than my classmates in this respect. To tell the truth, in my heart, there will be some sense of superiority. Speaking of buying a car, I just bought a new car with a price of over 100,000 yuan. I haven't got a license yet. I didn't buy a car because the traffic in Shenzhen is really convenient. Whether it is bus or subway, it will be very convenient. The cost is actually smaller than driving, and the car is a consumable, so I didn't say I was in a hurry to buy a car. I bought a car this year because the children are getting older. Buying a car can facilitate the family to go out to play. The idea is simple. This is definitely what you said about buying several suites first and not buying a car [covering your face] [covering your face]

Such people are generally knowledgeable and far-sighted. Although he earns hundreds of thousands of dollars a year, his loan to buy a house shows that he has an economic mind, because with the vigorous development of the country's big economy, more and more rich people, the value of money has depreciated, that is, money is no longer used. He bought a house through a bank loan, and he can buy more suites with a small down payment, waiting for appreciation. Now that the house price is extremely high, it is wise to buy it early.

As for people who don't buy a car, because cars are actually consumer goods, there is no possibility of appreciation if they only buy the share of falling prices, and there are too many modes of transportation to and from work at the current speed of national development, so there is no need to spend money on a consumer product, so I think this kind of person's point of view can be learned. After all, real estate is an inheritance, and fixed assets can be passed on to future generations.

Second, psychology: how to borrow money will be more effective.

Personally, if you think you are an ordinary person,

Especially self-esteem.

A more masculine man.

You can't ask women for money.

Third, what is the psychology of college students' installment loan?

Hello, installment loan is a popular way of consumption for college students, and it is also a convenient way to apply for advanced consumption.

Generally, when college students don't come, they will choose to borrow from the college student loan platform, and they can use part of their living expenses and expenses to repay them. I hope I can help you.