Bank loan.

If you are a civil servant, there are policies to take care of you and there are loans for civil servants. In this case, you may be able to raise funds through loans. However, the disadvantage is that after handing over the house, you have to repay the mortgage and the down payment loan, which makes life more stressful.

Family support.

If you are lucky and your parents have a moderate amount of pension or some savings, then you can consider asking your parents for some support.

But remember, parents are not easy either, so you must be filial to them.

Friends and relatives.

The group of relatives and friends mentioned here includes not only your relatives, including your seven aunts and eight aunts, but also those brothers who slept in your upper or lower bunk when you were in school. Since you really want to buy a house, don’t be too proud and ask them one by one.

Let’s see who can support a little bit and raise a little bit.

But if you have money in your hands, you must remember to pay it back to others first. It is not easy to give money to others these days. We have to think of others’ good things in our hearts.

Small vault.

Take a look at how much money you and your partner still have on their salary cards. In fact, buying a house is not a trivial matter. Therefore, you should make a plan from the time you plan to buy a house to see how much money the two of you can save. There is a saying that if you can’t afford it,

If you are poor, you will not be poor if you drink. If you don't plan, you will be poor. As long as you pay more attention, you can actually save a lot of expenses.

Increase revenue and reduce expenditure.

Not only should we reduce unnecessary expenses, but we should also find ways to see if we can make more money. After all, money is earned, not saved.

If there are multiple ways to make money, the pressure of life may be alleviated, such as funds, stocks, or other financial management methods. If you are sure, you might as well try it.

Reasonable arrangements.

If you really feel that the house price exceeds your budget, and you feel that life will be more stressful after the house is handed over, you can consider a smaller house, or a slightly more remote location. There is no need for the whole family to live under heavy pressure just for a house.