One month is still 1500 mortgage. According to the relevant information, the salary is 3000 yuan a month, the meal fee is 0/000 yuan a month, the water fee in 50 yuan is 1 month, the natural gas fee in 50 yuan is 1 month, the electricity fee is 0/000 yuan a month, and the mortgage is 1 month 1500 yuan.

Is it worth carrying a 30-year loan for a suite? Listen to the voice of netizens: tired and happy.

If you want to buy a house with a loan, you naturally have to bear some pressure. Many friends will choose a 30-year period to repay the loan instead of relieving their pressure. Is it worth carrying a 30-year loan for a suite? Listen to netizens: tired and happy.

Now the living conditions of young people are getting better and better. Many friends have plans to buy a house in order to improve the living environment of their families. But buying a house will cost a lot of money, so many friends feel that money will be tight. Many friends will choose loans to buy a house. Is it worth paying off a 30-year loan for a suite? Let's find out.

First, is it worth taking a 30-year loan for a suite?

In the past 20 years, the national economy has developed rapidly, followed by the development of housing prices, from hundreds of square meters in the past to tens of thousands of square meters now. However, although our wages are also rising, they are far behind the increase in house prices, which leads to many people who want to buy a house now, and it is difficult to save money on their own, so they have to resort to mortgages.

First of all, in terms of demand, for many people, a house is a necessity. Although you can rent a house, the rented house is not your own after all. If there is a conflict with the landlord or the rent rises, it is very troublesome to move. Moreover, in the current marriage and love market, if there is no house, it is very unfavorable, and many parents do not want their children to get married naked. Therefore, although the house is a luxury for many families in terms of price, it is a necessity for many people in terms of actual demand. Therefore, although the house price is high, it will be bought sooner or later, so there is not much difference between buying a house with a mortgage and saving money for decades.

Secondly, for many people, the worry is that taking a mortgage will affect their quality of life, but in fact, even if we don't take a mortgage, we usually need to pay rent and so on, and we have to save money to buy a house, so we might as well take a mortgage. If you have a house, you can sell it and collect money. If you don't buy a house and spend all your money, you can't handle it.

Finally, many people think it is not cost-effective, because after 30 years of mortgage, the actual repayment is almost twice as much as the original loan, and many people think the interest rate is too high. However, personal wages will rise in 30 years, and the high mortgage that was given to you at the beginning will not be high after 5 years 10. Considering inflation, the purchasing power of coins has declined, so the mortgage is actually very cost-effective.

So for many young people, although the mortgage is high, they are still willing to buy a house with a 30-year mortgage. what do you think?

Second, how many years is it appropriate to buy a house loan?

First of all, a simple logic that everyone needs to understand is that the maximum term of individual housing loans is 30 years; The longest term of personal commercial housing loan is 10 year; Men under 60, women under 55. The above three are the most basic premises!

People who buy houses are generally divided into three types. Those who have no money on hand can only make a down payment, and their wages will not be very high. The second is the ability to pay off the mortgage in a short time; The third kind, local tyrants, do not have to consider the mortgage at all, and pay directly in one lump sum! At present, the third kind of person is not in our topic today!

Many people choose to pay off their mortgage in a short time (1- 10 years). The reasons are as follows: (1) They don't like owing money, which makes them feel uncomfortable, or too early and too relaxed; Second, the interest to the bank is much less in the short term, so it can't be cheap for nothing! So they live very tired and hard, and they can only scrimp and save every day (of course, it's a bit exaggerated)!

There are still some people who choose to pay off their mortgages in the ultra-long term (30 years). The reason is: there is really no money and the monthly salary is not high. Economic conditions determine that I can only choose 30 years; Second, with an investment vision, it is better to invest in wealth management and earn more money by giving so much money to banks every month; Third, in the long run, the mortgage will not change, but the economic level and wage level will rise, and the money in the future will definitely not be as valuable as before, so I will still make money! Therefore, they must pay the bank on time every month within 30 years.

According to the conclusion of comprehensive conditions such as loan interest rate, it is suggested that the repayment period of 15-20 is more suitable for buyers, and the total amount of interest paid is more reasonable, and their normal living standards will not be greatly affected.

3. What are the skills to decorate the living room after buying a house?

Some owners choose cheaper tiles in order to save money when decorating the living room floor. However, living room tiles generally take a long time and must be non-slip. Wear resistance and other characteristics, these cheap tiles usually can not meet this requirement, but also have a certain impact on life safety, so we can not choose the tiles on the living room floor too low.

When we install water and electricity in the living room, we should not only ensure the construction quality, but also ensure the excellent quality of wires and water pipes. If the quality of wires and water pipes is not up to standard, it will cause certain hidden dangers to our future life.

Proper use of living room lighting will make the living room more beautiful and colorful, so people really like to install spotlights in the living room. What we should pay attention to is that we should not install too many spotlights in the living room. The safety index of spotlights is relatively low, and the heat accumulation is large, which can produce high temperature in a short time, and may lead to fire in a long time.

The above is an introduction about whether it is worthwhile to bear a 30-year loan for a suite. For friends who buy a house with a loan, they must know more about the specific process of buying a house. After all, buying a house is a big deal. Before buying a house, everyone must know more about the relevant procedures of buying a house, pay more attention to the repayment method of the loan, and avoid giving themselves too much pressure in life.

Is it tired to buy a house with a loan?

The burden will be a little heavy at first, but it will be fine in about two years.

My personal suggestion: 1/3 of your total income, that is, less than 1 0,000 yuan, should be used to repay the monthly loan. On this basis, how many years can I keep it? If you spend a lot of money every month, try to extend the loan term and pay the minimum amount every month, so that your burden is relatively less.

300 thousand's house loan is almost 200 thousand!

It's tiring to pay 7000 yuan a month, isn't it?

Monthly payment of 7000 yuan is exhausting! The figure of 7000 yuan depends on many factors, such as how many people in the family go to work, what occupation they are engaged in, the level of salary and so on.

If in economically developed provinces, two people go to work, the salary is stable, and the monthly payment of 7 thousand is not tired. But the unstable salary makes you very tired.

If you work in a family of two in an economically underdeveloped area, a monthly mortgage of 7,000 yuan will be tired.

Let's stop here for the introduction of buying a house with a loan.