Housing prices are too high, which will cause economic pressure on yourself. The house price is very high at present. In some counties, the house price is around 4,000 yuan per square meter, so buying a house will bring pressure to many people. Your current principal is only 200,000 yuan, and you can only buy some small houses for the down payment. If your family population increases in the future, you may have to change houses. If you take all these principal to buy a house, you have to repay the mortgage on time every month, which will add a great burden to your life. Once you are faced with changing jobs or going to another city, your house will only make your financial pressure more and more serious. You'd better use your hard-earned money to improve your quality of life, instead of giving you trouble.
Financial management can create income for us. 0.2 million/200 thousand is not a small sum for you, so you should be very careful when spending it. You can find a professional financial planner to help you manage your finances. They will recommend some high-quality financial products to you, and you can get a certain income every month. At present, many wealth management products have a lot of short-term benefits and can be used at will. If you choose a very good stock or foundation, you can double your principal overnight. So you can learn how to manage money, put money into it, and the monthly interest on financial management is enough for your living expenses.
The present era is no longer suitable for real estate speculation, as long as you have a place to live at home. Take out the rest of the money and make some investments. When you don't have a job, you can also keep the income from these investments at home, so as not to worry about your life. We work hard to make our life better and better, not to make our financial pressure heavier and heavier, so I personally suggest you buy wealth management products.