As soon as the monthly salary is paid, the first thing to do is to quickly transfer the money to the bank card that pays the mortgage. For example, my unit pays my salary on the 20th, and then deducts my mortgage. As soon as the salary is paid, the first thing to do is to transfer the money to repay the mortgage. I am afraid that the deduction time will be delayed, which will lead to the overdue mortgage and affect the credit investigation. The rest of the wages are carefully calculated and the living expenses of the family are planned. What's the worst thing? The worst thing is that the epidemic has closed the city for nearly half a year.
When the epidemic broke out in 20 years, the city was closed for several months. Many people lost their income because they couldn't go to work. Like I work in a bank, I get a basic salary, which is half a cent better than the average person. But after deducting five insurances and one gold, there are only a few hundred dollars left. Don't say it's a mortgage, it's not even enough for a person's living expenses.
Life can be saved and you can spend less. But the mortgage can not be less than a penny, nor will it be because of the epidemic. Fortunately, there is still a little savings at home. Careful calculation finally survived those months.
If I had no money on me at that time, it would be really tragic, and I could only watch my confession cut off. If there is no mortgage, the pressure on me to go to work will not be so great, and the quality of life of my family will be improved to a higher level. You can buy a car you've always wanted.
It is so difficult to buy a house, why do you have to buy it? Some people may say, why buy a house when it is so hard to repay the mortgage? Get married, just need.
In a big city, you don't have a house and live by renting a house. Who wants to marry your daughter to you? If it were you, would you marry your daughter to the renter? Buying a house is really helpless. I was forced to buy it. Just like when I just graduated, I was as poor as a church mouse. Wage income is not high, and from the countryside, the family can't count on it.
At that time, my wife's parents hated me and forced us to break up every day. I can only rely on my own efforts to save money bit by bit and finally pay the down payment on the house. Decorate the house in the back. My wife's parents' attitude towards me is obviously much better.
If you have enough money in hand, you'd better repay the mortgage in advance. Recently, I saw many experts on the internet saying that it is good for young people to buy a house with a loan. It is also suggested that it is not necessary to repay the mortgage in advance. As a banker, I can tell you clearly: If you have spare money, don't hesitate to repay the mortgage in advance.
Unless you can give birth to this extra money, Qian Shengqian. For example, if you borrow 500,000 yuan, it will be nearly 6.5438+0 million in 30 years. The price increase of your house has basically been given to the bank. Paying off the mortgage in advance earned the price increase of the house.
Some people may say, put this money in. What kind of investment can guarantee you a stable income? Even Warren Buffett can't make a steady profit. Investment risk is particularly high, and it is easy to be deceived.
Another thing to note is that ordinary people like "surfing" when they have money. When you see others buying a car, you have to buy it yourself. Seeing that my colleague bought an expensive watch, I wanted one myself. It is very likely that the money, even if it is not used to repay the mortgage in advance, will eventually be spent by you.
For young people who let go, buying a house is just needed, and repaying the mortgage is really exhausting. Are you dissatisfied with your house? Of course I am. Only when you have a house can you feel at home. You don't have to worry about kicking yourself out if the landlord is unhappy. But paying the mortgage is really tiring. People often say that debt-free is light, and carrying a mortgage for decades is like carrying a mountain.