If you want to buy a house, you have to look at the matching facilities first. It is understood that at present, major cities have begun to restrict purchases in first-,second-and third-tier cities, making many people ineligible to buy a house overnight. If you are qualified to buy a house and just need it, buy a house first if you have one million in your hand; Even if it is not just needed, the real estate in high-quality lots can still be considered. Of course, not all houses can be sold, and supporting factors such as transportation, education, landscape and business should be considered. Transportation network hubs such as public transportation and subway, high-quality primary and secondary schools, kindergartens, parks and other areas can also be considered.
Although the real estate market has experienced a period of rapid growth in the past two years, there is no good choice of one million in Beishangguang or some second-tier cities. It is not recommended to enter the remote areas of these cities, let alone some tourism real estate projects in remote areas. But if we can accept a longer period, such as three to five years, then there are still many key cities in the country and many mature supporting small herders to choose from; Not only is it enough to make a down payment with1100,000, but the remaining money can also be used for financial investment.
On the contrary, compared with buying a house, wealth management products will be more liquid and will not be restricted by restrictions on purchases and loans. If you have no confidence in the property market, or you can't buy a house in a different place because of work and residence, then you can consider choosing a sound financial management method.
When purchasing wealth management products, you need to look at personal income expectations, risk tolerance and capital liquidity first. After all, income and risk in investment are checks and balances, and the higher the income, the higher the risk. Therefore, it is suggested to choose a sound financial plan, with 40%-50% making regular savings in the bank, 30%-35% buying some fixed-income or low-risk money funds, and 65,438+05%-20% investing in stocks, futures and foreign exchange, all of which are high-risk and high-yield investment financial products.
In fact, whether you choose to buy a house or buy wealth management, it is not absolute. Although in the eyes of policy, the investment cycle is longer; However, with the continuous progress of urban construction in various places, with the maturity of various supporting facilities, real estate is still a high-quality choice that outperforms the price. But whether before or after buying a house, you can always choose to enter the market cautiously and make a small profit.