There will definitely be a big gap between those who buy a house now and those who don’t in the future!

From the perspective of self-occupancy, after buying a house, you don’t have to worry about paying rent or the landlord taking back the house at any time. If you buy a house with a loan, the mortgage payment is generally about the same as the rent, but after a few decades, the house will be yours!

This is also a considerable fortune.

From an investment perspective, real estate is still the most valuable investment product to maintain and increase value. As long as the location and location are properly selected, the risk of loss is very small.

In the long run, as long as the national regulatory policies are appropriate and administrative means and market means are combined, the possibility of a real estate collapse is very small.

The country's real estate market should still have a dividend period of 20 to 30 years. It should not be a big problem to get a car at this stage, but the best time is probably not now.

Friends who did not buy a house before 2016 will find that house prices are getting higher and higher, and now they can no longer even afford a house. This trend will not change for some time in the future!

However, any assets and investments are risky, so you must learn to put your eggs in several baskets.

If you blindly invest all your assets in real estate, there is still a certain risk. After all, the real estate market has many circulation links, slow flow, large capital occupation, and long time, which is not conducive to the realization of money in emergencies.

The gap between those who buy a house and those who do not will most likely get wider in the future!

Not only will the gap become wider in the future, but the current gap is actually also very large.

Relevant opinions are shared below for reference.

01. If you buy a house for RMB 300,000 now, how much assets will you have in 10 years?

Suppose you buy a house worth 1 million yuan now, with a down payment of 300,000 yuan, a loan of 700,000 yuan, a 10-year loan, an interest rate of 5.39%, and equal repayments of principal and interest, and the monthly payment is 7,559 yuan.

After 10 years of being a house slave like this, I own a house of my own. Based on the current regulatory targets requiring that the average annual increase in urban housing prices does not exceed 5%, the asset price of this house after 10 years will be 1.63 million.

In other words, if you spend 300,000 yuan now and make monthly payments for 10 years, the market price of this house will be about 1.63 million yuan.

02. If you deposit 300,000 in the bank and rent a house, how much assets will you have after 10 years?

If instead of buying a house with 300,000 yuan, you save the money in the bank to earn interest, and save all the monthly mortgage payments in a disciplined manner, how much will it be worth in 10 years?

⑴Principal: 300,000; ⑵Interest: Based on the 5-year deposit of Ningbo Bank at 3.25%, the 10-year interest is 97,500 yuan; ⑶Monthly payment accumulation: 7559*12*10=907,080 yuan; ⑷Rent expenditure: 2000*12*

10=240,000; Cumulative assets in 10 years: 300,0097,50907,080-240,000=1,064,580 yuan, which is approximately 1.06 million.

Comparing the money to buy a house with the money not to buy a house over a 10-year period, the final gap is: 1.63 million VS 1.06 million!

This is actually a very intuitive comparison. How much assets you have after 10 years can explain the difference between buying a house and not buying a house. Calculating the increase in house prices based on an annual increase of 5% should be a relatively conservative calculation. This is actually not an increase in house prices.

Rather, it is a natural increase in asset prices caused by inflation caused by economic development. The rationality of a 5% annual increase will be explained later.

This is only a comparative calculation based on a 10-year period. If it is extended to 20 years, the gap between those who buy a house and those who do not will be even greater.

01. Basic understanding of inflation. From the reform and opening up to the present, has the economy been inflationary or deflationary?

There is no need to look at statistics. We all know intuitively that over the past 40 years, inflation has occurred more than 95% of the time.

As China's economy continues to grow, its economic resilience will become stronger, and the trend of stable economic development will remain unstoppable. There is a high probability that the economic situation in the next 10 years will still be dominated by inflation.

At present, it is an indisputable fact that various countries have excessive currency issuance. Under this trend, the price increase caused by currency depreciation caused by excessive currency issuance is irreversible.

In other words, in the jungle of the world, it is difficult for the world monetary system to undergo fundamental changes at present and in the foreseeable future. Price increases are irreversible. As a kind of commodity price, the upward trend of housing prices will also be irreversible.