If you choose a good location and mortgage a house in a small city, plus the later cost, deed tax, maintenance fund, interface fee and property fee, it may be nearly 6,543,800 yuan. After all, house prices in small places have been soaring. When the mortgage comes down, you can raise the loan by rent, and you can easily repay the loan with a little income. Since it is said that it is in a small place, it will not be too much trouble to travel. In addition to all kinds of express trains, car rentals and carpooling, there are really things that need to spend more money. The annual transportation cost will not exceed 20,000. On the contrary, if you buy a car, all kinds of insurance, travel tax, all risks, maintenance and fuel costs are consumables, which is about 20 thousand a year, but the car depreciates when it lands. Two years later, three years later, the car will be worthless if a lot of money is invested. Unless it is used for business, it must be used frequently, otherwise it is really not cost-effective.

If you are in a big city, you may be able to pay a down payment of 6.5438+10,000 yuan. You can't buy a mortgage or the full amount. The traffic in big cities is also perfect. If you really need a car, you can make an appointment in advance or call a business car anytime and anywhere. You don't have to worry about fines, and you don't have to maintain your car for a year. You can use it at any time, which is very convenient. Unless you always use the car for the convenience of the project or business, you can consider buying a car. Business is also an investment. Otherwise, it's not worthwhile.

Having said that, generally speaking, buying a house is a small place in the mortgage. Try not to consider the car, but the business can be considered. In a big place, don't buy a car or a house, consider investing or continuing to save money.