Buying a house has the function of preserving and appreciating its value

A house is a fixed asset. Although on the surface it seems that you have paid a large down payment and have to pay a mortgage that is not easy every month, these are It’s all investment! According to the perspective of renters, if you spend 1.68 million to rent a house, the 1.68 million is really spent without any sound, and the house still belongs to someone else.

However, if you spent 4 million to buy a house, the 4 million is still yours, but it has been changed from RMB to a fixed asset. In addition, this asset also has room for value preservation and appreciation. When you need money, you can sell the house and realize it, and you may get 5 million, 6 million, or even more. Instead of using your monthly money to pay rent, it’s better to use it to pay your monthly mortgage payment.

Buying a house is the new favorite of "investment and financial management"

Everyone is happy and everyone is worried about the stock market. Although there has been a slight fluctuation in recent days, who can forget the astonishing stock market drop from 5178 points to 3912 points? In an instant, he lost 4,000 points in a row! Turning to gold and silver? Judging from the specific data, this market is also "difficult to maintain"! Looking back on recent years, investment methods such as the stock market, gold and silver, futures financial management, etc., all seem to be described as "swinging", rising and falling! And only the price of the fixed asset "house" has risen from a few thousand per square meter to 10,000 yuan! The era of average price of 50,000 has arrived.

Buying a house can bring a sense of belonging

Renting brings instability. I believe many people have experienced the dilemma of being temporarily notified by their landlord to move out as soon as possible. When you are young, you don't think it is a big deal, but once you get married and have children, things will become troublesome because you have a better understanding of the apartment type and school district. More demand. Therefore, a house should be bought, and the earlier the better. Your life will also become more stable because of having a house, and your family will have a greater sense of belonging to this city.

Buying a house will help improve the quality of life

Some people believe that if you need to pay a large down payment to buy a house, and you have to save money every month to repay the loan, the quality of life will definitely be affected. Influence. However, this situation is limited to five years. As wages increase, preferential policies are released, and currency values ??change for home buyers, home loans will become easier, family assets will increase, and the quality of life will also improve.

The quality of life of renters may not have changed much in five years, and their assets have not increased much. From a psychological point of view, people who buy a house will feel increasingly satisfied, but renters will feel panic about the uncertainty of the future. Generally speaking, home buyers may be stressed in the short term, but in the long run, the quality of life can be greatly improved.

(The above answers were published on 2015-12-15, please refer to the actual relevant current house purchase policies)

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