Under the pressure of modern society, talking about happiness is the most difficult topic. Although everyone has different norms for happiness, many people have the same view of happiness, and most people still think that life without worrying about money is happier. Although China's economy has developed rapidly, it is undeniable that many people in our country have no money. This lack of money means that they have no money at their disposal.
The purpose of saving money in our country is to buy a house After buying a house, I will find that I can't save any money. For ordinary people, buying a house is generally to choose the best community within my acceptance and the largest housing area within my ability. There are many people who borrow money to make up the down payment. Many people think that if they buy a house, they will be happy and their lives will be guaranteed, but is this the case?
In our country, not having a house is not happiness, but having a house is happiness? If you have nothing in your hand to buy a house, will people who are still in debt be happy? Or those who save hundreds of thousands of down payment, but don't buy a house, and regard deposits as a sense of security?
No matter who has a house or a deposit, in fact, they can continue to invent wealth by both. Assuming that the 30-year-old has worked hard to save 600,000 yuan, then he chooses to continue to save 600,000 yuan for money. Or choose 600,000 yuan as the down payment, and buy a house of about 6,543,800 yuan+0.5 million yuan according to the down payment ratio of 40%?
Regardless of other investments, if you only deposit 600,000 yuan in the bank, it is equivalent to a large deposit certificate, and the annual interest rate will be higher than other deposit certificates. If it is not calculated according to the maximum value, even if it is only calculated according to the annual interest rate of 4% for three years, it will get 24,000 yuan of interest every year, and after three years, it will get a total interest of 72,000 yuan.
If you buy a house of 6.5438+0.5 million yuan, I don't think you can buy a house in a first-tier city at this price. According to second-tier cities, if you rent it, the annual rent should be around 20,000-30,000 yuan. If it is a third-and fourth-tier city, the rental market will decrease accordingly, so the annual rent may be as high as 20,000 yuan. According to the average annual rent of 20 thousand yuan, you can get the rent of 60 thousand yuan after three years.
But it is undeniable that there is still the possibility of appreciation of this intermediate house. If you add intangible subordinate values such as settlement and children's enrollment, you may gain more from buying a house after three years. Then if the deposit of 600,000 yuan is honestly settled, we may have an interest of about 72,000 yuan. Of course, due to the influence of deflation, the principal of 600,000 yuan may also shrink. Generally speaking, if we only consider it from the perspective of investment, it is undoubtedly more cost-effective to turn savings into houses without considering that houses cannot be rented or depreciated.
It is precisely because of this idea that many talents in our country will bite their teeth and save money to buy a house. However, one problem that cannot be ignored is that the per capita wage in China is not too high. According to statistics, the average wage in China fluctuated around 6,000 yuan per month last year.
Buy a house of 1.5 million, with a down payment of 600,000 and a loan of 900,000 from the bank. If the average interest rate is 5.3% and the repayment time is 20 years, the loan will need to be repaid 6,089 yuan per month, and the total demand will pay an extra interest of 560,000 yuan. Whether this house can appreciate to 2.06 million in 20 years is still unknown. Not to mention how much economic pressure it is for individuals or families to repay the loan of 6089 yuan every month for 20 consecutive years.
Even if the monthly salary of both husband and wife is flat, if a child is born, the woman may still have at least three months to three years of no income. At this time, how to repay the loan and how to ensure that the level of life and death will not be degraded in the case of having one more child has become a key issue.
So this kind of happiness can only vary from person to person. If you have 600,000 cash to rent a house, there is no doubt that the pressure of life will be reduced, and even if you raise a child, it will not form too much financial burden. However, there is no room under the name, and it is also a big problem to settle down and educate children in the future. But for people who buy a house, the pressure of economic formation should not be underestimated.
Ma Yun once advised young people to rent houses as much as possible, and never become house slaves. It is best to treat the money from buying a house as a venture fund. For everyone, it is undoubtedly the best to have a deposit and a house, but the ideal is so harsh. Many people may be in their thirties if they save enough 600 thousand. How to choose depends on everyone's needs. If you want to indulge in hardships and send your children to private schools instead of settling down, it may be better not to buy a house and have a deposit. But for most people, I am afraid I would rather buy a house.