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In 2, a person bought gold with 1 million yuan, and a person bought a house with 1 million yuan. Who is richer?

Let's assume that they didn't trade after holding them, and they have been holding them until now to see who has more money. In 2, the average price of gold was $279/ounce, but now the price of gold is $1976/ounce, which has increased sevenfold in 2 years, that is, if you spent 1 million yuan to buy gold in 2, the gold is worth 7 million yuan now.

But buying a house is not fixed, because the house price varies from place to place in the country. Let's take Shenzhen as an example. In 2, the house price in Shenzhen leveled off at around 2, yuan, but now the average house price in Shenzhen leveled off at around 55, yuan, which has increased by 27.5 times in 2 years. If we bought a house in Shenzhen with 1 million yuan in 2, the value of the property in hand now is 27.5 million yuan.

In fact, the income from buying a house is far more than 27.5 times, because buying a house is different from buying gold. You can only buy as much gold as you can buy, while buying a house can be leveraged, and you can borrow money from the bank with a little down payment. So if you can actually operate it, 1 million can buy at least 2 or 3 houses at that time, but now it is not only 27.5 million, but it may have exceeded 1 million. Well, if someone put 1 million in the bank in 2, how much is it worth now?

since the benchmark interest rate of the central bank has been changing since 2, and the central bank fully liberalized the deposit interest rate in 215, the deposit interest rate is not fixed. Let's assume that the average five-year deposit interest rate of the bank in these 2 years is 5%, so the total interest of this one million deposit in 2 years is 1 million * 5% * 2 = 1 million, and the sum of principal and interest in 2 years is 2 million.

For the same 1 million yuan, there is a big difference between buying gold, buying a house and saving in the bank. Saving in the bank can be said to be a blood loss. Compared with the current 2 million yuan, the purchasing power of 1 million yuan in 2 is completely different. Although the income from buying gold is good, the gap is still quite large compared with buying a house. Of course, this was in 2. If it is now, buying a house may be another scene 2 years later because of the state's control over housing prices. If you had a million dollars in 2, what would you do?