Just finished the initial postgraduate exam, the family probably took out 700,000 yuan to buy a house to preserve the value (the house in the urban area was sold, and the remaining money was paid off, so it is necessary to buy a house to preserve the value). My family and I took a fancy to the 87m2, three-bedroom suburban area, which is transparent from north to south. All the houses have windows, which is good. The transaction price may need 1 17000 yuan, so we need a loan of 470000 yuan.

Then, using the online mortgage calculator, choose the bank benchmark interest rate of 5.34%, loan for 30 years, and get the following results:

That is to say, the monthly payment is 2600 yuan. If this house is rented out, it will be worth about 2500 yuan. Generally speaking, it is affordable. But what is even more embarrassing is that these 30 years are actually mainly about paying interest. You can look at the pie chart above. The commercial loan interest accounts for 50.2% of the total repayment. In fact, according to the current benchmark interest rate, no matter how much money you borrow for 30 years, the result is similar.

I was puzzled, too, but I was relieved after referring to a data, which is the inflation rate. In the past 30 years, the highest inflation rate in China reached 24%, and the lowest was-1.4%. In the past, the highest was 5.4%, and the lowest was -0.7%, with an average of about 3%.

Of course, some netizens and experts have the final say? Real inflation rate? , that is? M2 growth minus GDP growth? The difference, if according to this so-called? Real inflation rate? Calculate, the average inflation rate in China in recent ten years is around 7%.

I have not studied it carefully, and I dare not say which is right or wrong. But in any case, the fact is that the future 100 yuan will definitely buy less things than the current 100 yuan. Today, you spent 2600 yuan to pay back this month's payment. What about 30 years later? 2600 is one tenth of the average salary.

Therefore, some people say that buying a house for 30 years is the only chance for ordinary people to beat inflation, and it is even described as an opportunity to take advantage. Personally, I think there is nothing to say about taking advantage. I've worked in a bank for half my life, and I'm still taking advantage. Have fun in pain?

There is another data worthy of our buyers' happiness, and that is the future housing price in China. I am a student in the history department. In the past, China's land was the most valuable property. If the land price plummets, there is only one situation: there is a large-scale famine, the land is sold, and businessmen come in to bargain-hunting.

According to the development path of our great motherland, house prices can only go up in the future. There is only the difference between a small increase and a big increase. As a conscientious property buyer, I hope that a small increase is enough, as long as the income level and inflation level of residents rise.

Others say that our generation can suffer more and the next generation can enjoy more. Influenced by traditional culture, I strongly support this statement. It is also a kind of happiness for me to see that the middle-class descendants around me can have more choices and play in their later lives.

In a word, buying a house with a loan is a good choice. Even if the amount of interest and principal seems to be similar, it is a better means to beat inflation for ordinary people. If we start early, the future appreciation of house prices will also bring us some unexpected joy ~