2. From the previous 20 years, real estate is the only investment product with low risk and can outperform inflation!
3. I have seen losers in stock trading, losers in futures trading, losers in starting a business, and losers in buying a house!
4. At present, the inflation rate announced by the central bank is 7.5%, and the annual income of large-scale wealth management can reach 4%, which means that the annual depreciation rate of deposits will exceed 3.5%, so you can only choose to invest in real estate!
Buying a house by loan is a 30-year loan with an interest rate of only about 5.40%. It is difficult to find a better capital loan in the market!
6. Most office workers have provident fund, which can be used to deduct one million debts!
According to the statistics of 2007-20 17, the average increase of real estate in China reached 766%, which means that if you buy a house with a loan, the income will be higher! In addition, China has basically measured a person's economic strength and status by the location and quantity of real estate, which will naturally encourage many people to invest in real estate!
However, it should be noted that in the future, the policy of "housing and not speculating" is still strictly controlled, so it can only stay in two situations: just need to buy and invest in buying real estate! However, the current housing prices are really too high. For most young people, there is no debt of 1 million that they can't afford to buy a house, so it is forced by the situation and the best policy! After all, in the concept of China people, there is only a home if there is a house. When it comes to marriage, it is inseparable from the word "room", clothes and face!
If you buy a house in debt, you can buy a house only by paying 30% or even 20% of the house price, while if you have no debt, you have to pay 100% to own a house. The way of buying a house not only reflects personal consumption habits, but also reflects the development level of the financial industry. There is a short story that shows the difference between mortgage to buy a house and buying a house in full.
The story is short. It tells the story of two old ladies meeting in new york Central Park and chatting. An old lady from China said: My wife and I worked hard for 30 years and bought a beautiful big house with the money we earned. Finally, I can say goodbye to the original small broken house. The old American lady said that when I was young, I borrowed $654.38 million and bought a beautiful big house. The loan was paid off after 30 years, and it was finally paid off today. Both old ladies spent 30 years buying a beautiful big house, but the American old lady lived in the house for 30 years, while the China old lady lived in a shabby little house for 30 years.
After reading this story, you should know why some people would rather buy a house with a debt of more than one million yuan. The same is to save money to buy a house. One is to get on the bus before buying tickets, and the other is to buy tickets before getting on the bus. The result of the two is the same, buying a ticket and taking a car, but the procedure is different.
In China, houses are not only consumer goods, but also investment goods and assets, so there is room for appreciation. The sooner you buy a house, the greater the appreciation. Some houses are only 100,000 to 200,000 when they are bought. After living for twenty or thirty years, it was demolished by the government and earned two or three million yuan. It is equal to living in a house for free and making another fortune.
The interest rate of housing mortgage loan is the lowest among the financial loans used. The interest rate of provident fund loans for more than 6 years is only 3.25%, and that of commercial loans is only 4.9%. This interest rate is much cheaper than other financial loans of around 7%. At present, the rate of rising house prices can also reach or even exceed the loan interest rate. In 2009, the average house price in Beijing was around 1.4 million, but today it has risen to 60,000 after 10, with an average annual increase of 1.5%, far exceeding the loan interest rate. In this way, even if you buy a house in debt, you are making money.
Of course, this is only from the perspective of economics. Buying a house with a loan also has a lot to do with consumption customs, marriage and children's education. Nowadays, many girls get married on the premise that the man has a suite. But how many young men can buy a house in full?
Family fortune password commentator Zhou Tingting:
First of all, it is common to buy a house with a debt of more than one million. The big environment is here, especially for those who just need it. Young people buy houses when they get married, and have little savings. The most basic down payment requires six wallets at home, so loans are the most common practice. And the loan is more than one million, which is relatively small.
Many people will calculate the monthly payment and extend the repayment period to the longest. The monthly payment depends on the salary. Generally, it will be less stressful for two people to return together after marriage.
Of course, many people will say that buying a house and renting a house are all good, and you can go wherever you want. I felt the same way when I had no children, because I could only comfort myself by watching the high housing prices in Beijing and feeling the poor tickets in my pocket. However, after having children, you will think about their schooling. If there is no house or hukou, the children in junior high school will return to their hometown, not only separated from their parents, but also the teaching quality in their hometown is not as good as that in the city.
Therefore, I would rather be in debt of one million yuan than buy a house. With goals, family members can be happy.
Leverage mortgage to buy a house. It's amazing. If you work in Beijing with a monthly salary of 40,000, you have saved it for five or six years. How can there be one or two million in your hand? At this time, you want to buy a house. The house price is 70 thousand per square meter. How can a house get 7 million? Suburban area 15 1 10,000 square meters, you also need 5 million. At this time, you have a girlfriend, and you have saved a little, two people.
In order to get married, two people have a small house. Fortunately, the key is that their income is relatively stable. Two people earn tens of thousands a month, and the monthly repayment is less than half. Life is very happy. Why not choose to overdraw the future is also a kind of happiness and an idea. It is better than renting a house and fighting with the landlord every day. What's the point?
If the market is mature, it is acceptable to increase the rent in proportion. However, the domestic rental market is not so formal and faces frequent moving. If you get married, you won't feel safe without your own happy cabin. In a city, there is no temperature. With a cabin, there is temperature. Our idea that buying a house can add value has become a common practice, and the full name is right for the house. Everyone wants to buy a house.
As for whether it is really worth it, it doesn't matter, life has its own joys and sorrows.
All right, that's it! If you have other questions about investing in buying a house, you can always pay attention to the official account of WeChat and Lefuju. There will be a series of common sense about buying a house, waiting for you.
It is not uncommon to buy a house with a debt of one million, but it is very common in first, second and third tier cities. Think about it, a house 1.5 million, with a loan of 70%, needs a loan from the bank 1.05 million. Isn't that normal? If there are millions of houses in first-tier cities, the loans will be relatively more, reaching several million, so it is not surprising that the loan for buying a house is more than one million.
The question should be, why do so many people borrow money to buy a house? The reason for this is the following：
Year after year, month after month, even day after day, watching house prices rise and people around you are buying houses, you will also be anxious to buy them; Or when you are old enough to get married, you have to buy a new house ... but the money is not enough, and it is not enough to borrow relatives and friends. Some people can't save face and raise money everywhere. It's better to get a bank loan directly. In these cases, it's not whether you want to buy a house with a debt of 1 million, but that you have to buy a house with a debt of 1 million.
You need to borrow millions to speculate on the house. The investment value of the city will not be too bad, and according to the trend of house prices in previous years, the investment value is the highest in the market at present. Look at this picture.
Although various stock indexes are similar to the final trend of house prices, that is to say, since 2005, the same principal has been invested in different assets (stocks and real estate in first-tier cities), and the return on investment from holding to maturity is almost the same.
But the difference is that the fluctuation of real estate is much smaller, basically rising all the way, while the fluctuation of stock investment is great. If you start holding at a high point, you may not be able to return to your capital later, let alone make a profit. Although fixed investment can avoid this embarrassment, it will also reduce the income, so large investors are more inclined to invest in buying a house.
The annualized rate of return on housing investment can completely cover the loan interest rate. For example, if the annualized rate of return is 15%, the loan interest rate is 5%, and you can also make a net profit of 10% every year, then it is also cost-effective to borrow millions to buy a house.
There are too many reasons to buy a house in China.
1, economically ... Facts have proved that buying a house is the most successful investment in recent years. Many people used to bite their teeth and buy houses with loans, but now they have money. Financial freedom. ..................... mortgage, the annual interest rate is only 5%-6% ........................................................................................................................................
2. In life ... can you find a wife without buying a house? Does mother-in-law agree? Can children go to a good school? Buying a house is a ticket for successful people. What if you don't buy a house?
3, buying a house is rooted ... If you don't buy a house, in a big city, it is a flow, that is, a floating population. When you buy a house, you take root. Buying a house in a big city, the next generation is a big city person!
In China, rich people buy houses, but not because they have money. What do they do? Buy stocks for p2p? …………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………………
The house is an invisible red line, which divides the class, the crowd and everyone. What area and house you own determine different lives.
It is said that buying a house depends on your own strength. Many people hate buying a house because they are too ambitious. The poor don't want huge debts, and they don't want to buy a house in a big city without money!
Before buying a house, consider your own economy, your own development, the money in your pocket, the future of your family ... buy a house that suits you and be happy.
As for the mortgage with a debt of several million, some people think it's just so-so. Some people are prepared to run away with a debt of 65,438+10,000 yuan ... Different incomes, different classes and different world views.
Buyers are a big deal. Many people spend most of their savings to buy a house, and even feel sad that they need a buyer for their mortgage. This makes many people wonder. Is it really worth a million dollars in debt to buy a house? When we were students, we didn't step into the society. Maybe we didn't expect to buy a house in such a hurry and didn't think much about buyers. But when you enter the society, you may consider whether you need to buy a house, and you will understand why some people prefer to buy a house in debt.
1. After entering the society, you leave your hometown and campus. Wandering thousands of miles, renting a house is the choice you must face, and the payment for renting a house accounts for most of your salary. This is to own a house of your own, which may be a goal in your mind. At marriageable age, your girlfriend and her family first consider whether you have your own house, even if it is bought with a loan of millions. When the babies arrive at primary school, in order not to let them lose at the starting line, you may not hesitate to sell your present house or even buy a school district with a debt of one million yuan. In fact, sometimes buying a house is for living, for living and for the future.
2. Just-needed buyers can't face the impact of rising house prices. Some people think that if they have money, the house price will fall, and they worry that if they buy it now, the house price will fall, but if it doesn't fall, it will rise. At that time, the money in hand was only enough for the down payment of the house In this case, there may be a situation of rushing to the hospital. Buy what you can, and you'll be in debt for one million.
Some buyers pay close attention to the price trend of their houses after buying a house. When their current house can't meet their own needs, they can sell their wealth to gain the appreciation of their house. As for buying a house, with a debt of more than one million yuan, many people will consider buying a house for more needs. As long as their mortgage expenses can be reasonably guaranteed, their normal living standards will not be greatly affected.
1, the interest rate is low, the current benchmark interest rate for commercial loans is 4.9%, and the interest rate for provident fund is even lower. If you are lucky, you will encounter a 15% discount on the interest rate, which is simply the only loan that ordinary people can get with a large amount and low interest rate.
2. If you don't buy a house, you have to rent it, and the rent and mortgage are not much different. It doesn't matter if you rent a house when you are young, and it won't hinder your work. Wherever there are better employment opportunities, you will go there. But when you get married and have children, the demand for living space will naturally rise. You want to live in a bigger house. Even if you rent a bigger house, you have to pay more rent, which is never practical. You dare not decorate the house, because it is not yours, the house is your own. You can decorate according to your own ideas. Mortgage is not much higher than rent. In the past two years, many second-and third-tier cities have been able to repay their monthly rents.
I have two friends who bought houses in two provincial capitals two years ago, and the rent can almost repay the monthly payment.
3. Many people have provident funds, especially outstanding enterprises such as public institutions and top 500 enterprises. The proportion of provident fund is high, and wages are paid in full. The provident fund is enough to repay the mortgage, especially if both husband and wife are units of the same nature. You can rely on the provident fund to pay back the monthly payment.
4. Income is rising, and the cash flow of income can cover the monthly payment, which is constant (the benchmark interest rate is not constantly changing and can be ignored), while people's position and work income are constantly improving, which is difficult at present, but with the passage of time and the rise of wages, income can naturally cover the monthly payment.
This is probably the most important thing. The past 20 years have witnessed the real estate market from scratch, but it just needs to be continuously released. Now the demand for improved housing is also being released, and house prices are rising all the way, and houses have become the best means to preserve assets.
To put it bluntly, in the past, when you bought a house, you could share the dividends of urban development and national economic development. Those who didn't buy a house missed the dividend of economic development! ! The results of economic development in a region will eventually be reflected in housing prices, and will also be precipitated in housing prices. A house is an admission ticket for a person or a resident of this city. Without this ticket, you will work for this city forever.
Buying a house with a debt of one million, it is likely that many family wealth will become negative after deducting debts. . . This situation is as embarrassing as the insolvency of enterprises. Why are so many people in society willing to take huge risks to borrow money to buy a house?
(1) A lifelong marriage.
People in China always have a traditional idea that "there are three unfilial things, but not great things". Even now, this sentence will still become the mantra of the elders to admonish the younger generation. In many people's subconscious, getting married and having children is a top priority in life, and it is urgent. Now, the three major items of marriage: house, car and ticket are essential items. So many people have to bear huge loans to buy a house in order to get married.
(2) I hope that the appreciation of real estate will outperform inflation.
As we all know, the problems of currency overshoot and purchasing power depreciation are very serious, but there is no effective solution. Even if you buy a three-year certificate of deposit, the highest interest rate is just over 4%, which is a drop in the bucket compared with the currency depreciation rate of 8%- 10%.
Many residents who bought houses 10 years ago have tasted the sweetness. Advocated by experts from all walks of life, they even think that house prices will never fall. The appreciation of buying a house has become their "belief and magic weapon" to resist inflation. Even with heavy debts, they are willing to work hard.
(3) Real estate has become a new "face project" for China people.
There is a saying called "face-saving", which is suitable to describe those who are willing to bear too much debt in order to show off their newly bought big house in front of their neighbors.
On holidays, the first sentence when relatives meet: Did your family buy a house? Where is the location? How much is it altogether? It can really be described as "three deadly companies", which has left a deep imprint on the hearts of ordinary people who don't have a house but love face. As a result, a new "face system" centered on real estate has gradually formed in society.
The seven aunts who love to compare with others and haggle over every ounce will shift the pressure to their son-in-law and family members in order to make their faces shine, forcing many families without financial support to choose to buy houses in debt.
Buying a house with high debt not only hollows out the poor savings at home, but also lays a huge security risk for future life. If your family is sick, if the job you depend on for a living is lost, if the central bank raises interest rates and the repayment amount rises, what should I do with the heavy mortgage?
To put it another way, it's not how much the house price has risen, but the price has become heavier after more money. In the past ten years, not only house prices, but also all other commodities/technical products controlled by the state, such as grain, have increased more than tenfold. The sustainable development of the country needs to increase the amount of money, which will be much faster than the growth of goods in the whole society, so the unit price will continue to increase. Let's look at another question. To get rich in the production and real estate industries is not to have much ability and opportunity, but to get the future money at low cost and use leverage to invest in the present. Ordinary people can only borrow money if they buy a house. If you can get three or four loans and make other investments, you can also make a fortune. (Assuming that you don't buy a house and invest with a 3.25% provident fund loan, the spread income should not be lower than the salary)