Current location - Loan Platform Complete Network - Loan intermediary - Civil servants can easily buy a house with a monthly income of 4 thousand, while migrant workers can't afford a house with a monthly salary of 10 thousand
Civil servants can easily buy a house with a monthly income of 4 thousand, while migrant workers can't afford a house with a monthly salary of 10 thousand
It is really easy for civil servants to buy a house in a city with a monthly income of 4000 below the third line; Migrant workers earn more than 10 thousand a month, not because they can't afford a house, but because they can't afford all kinds of expenses after buying a house. Buying a house with a loan is the choice of most people now. Both civil servants with a monthly income of 4,000 yuan and migrant workers with a monthly income of over 10,000 yuan need loans to buy a house. From the perspective of buying a house with a loan, it is very easy to analyze the key to this problem. First of all, civil servants earn 4,000 yuan a month, but their income is stable, which belongs to? Iron rice bowl? Moreover, the mortgage repayment pressure is small; Secondly, it is not difficult for migrant workers to earn more than 10 thousand yuan a month, but their income is extremely unstable, and their annual family income may not be higher than that of civil servants; Third, migrant workers may not be able to afford to buy a house with loans.

First, although the monthly salary of civil servants is only over 4,000, they are iron rice bowls. Interesting cousin works in the county tax department and his wife works in the financial department. Their wages add up to a little more than 6 thousand, less than 7 thousand However, cousin and cousin can still borrow money to buy a house and a car at the same time. After paying off the mortgage and car loan every month, my cousin's family of three is still very moist.

The point is that my cousin and my wife have stable incomes. Cousin and sister-in-law have enough provident fund to repay the mortgage. After paying off the car loan of more than 2,000 yuan, they can still have more than 3,000 yuan. So my cousin and sister-in-law have more than 3,000 yuan a month, and they can live well in the county, because their income is not high, but they are relatively stable.

Second, although farmers can earn more than 10 thousand a month, their income is unstable and their families have a heavy burden. In fact, it is easy for migrant workers with skills, such as bricklayers and scaffolders, to earn more than 10 thousand yuan a month. For example, a cousin of Fun Review is a carpenter, whose daily salary is between 400 yuan and 500 yuan. According to this calculation, my cousin's monthly income is between 12000- 15000, and her annual income may be between 14400- 18000. That was not the case. My cousin's annual income is less than 654.38+ 10,000 yuan.

First of all, migrant workers have nothing to do every day; Secondly, migrant workers work less than 12 months a year, especially in the northeast, where the climate is cold, so it is good to work for 8 months a year. In addition, the cousin takes care of the children at home, and the elderly need support. Cousin works hard and earns 65438+ ten thousand a year. In the end, there was not much money left, so we had to build a house in our hometown in the countryside.

Third, migrant workers can't afford all kinds of expenses after buying a house. The income of migrant workers is unstable and it is difficult to repay the loan every month. In addition, after buying a house in the city, property fees, heating fees, water, electricity and gas fees, and even water fees are not small expenses. Accurately, many migrant workers can't afford to buy commercial housing in the city, but they can't afford to live in commercial housing in the city!

In fact, the attitude of interesting critics has always been not in favor of farmers buying commercial housing in cities, and the pressure is too great.