There are two houses in the family worth 1 million, are they sold and deposited in the bank for inte

The interest of one million deposited in the bank for a year is not much, and the interest of you is 30,000 yuan a year, but the interest of you renting out these two houses for a year is more than 30,000 yuan, and I think the rent can be at least doubled, so I suggest that you rent it out.

If you rent it out, sell it and put it in the bank, it will be so interest, it is dead, and if you rent it out, it is alive, and the rent can be set by yourself.

It is recommended to rent it out, and it is not cost-effective to deposit it in the bank to collect interest.

100w put Yue Bao about a year, and the bank about a year.

If you rent yourself how much money a year. The rental house is always yours. If you sell the house, it's not yours.

Leasing is a long-term store of value.

Rent it out, and the profit will be higher.

In fact, the rent is very low, and the rent is much less than the interest. If the house price is not stable, it is actually suitable to deposit in the bank. If the rate is **, the rental is suitable.

The biggest benefit of renting a house is not simply rent, but the price of housing due to the control of property rights.

This truth is like if you buy **, will you expect **dividends to make money? Impossible. You still have to rely on **** to make money.

If you don't have a place to live, I think it's better to keep at least one set. In this way, once the house price is **, you will not be without a house.

To solve this problem, it is necessary to compare and contrast the three financial management methods horizontally before we can draw conclusions:

The first is the leasing of idle houses.

The second is the interest on bank deposits.

The third is the sale of houses.

First of all, the idle house rental, whether the house is worth renting, you need to look at the geographical location of the idle house, leasing **, the advantage of this financial management method is that the initiative is in your own hands, as a landlord, you can decide your own rent, rent or rent, of course, the local market is also needed to maintain the basic same, otherwise the tenant does not rent, equal to zero income.

In addition, housing leasing can also be combined with housing investment and housing sales. Before the house is sold, you can reduce the vacancy loss of your own house by renting the house.

Here it is necessary to compare the housing rental, the risk of selling at a discount, the risk of currency inflation and the way banks manage their finances.

The sale of idle houses is a kind of real estate realization, which is handed over to bank deposits or bank wealth management, which is a conservative financial management strategy. Of course, if the best of selling the house is more satisfactory, the bank can give a large VIP financial management strategy, including but not limited to large certificates of deposit, **, etc., then it is worth looking forward to outperforming inflation.

For housing leasing, it is necessary to further judge whether the rental cost can make up for the income brought by the sale of the house. Lease costs, the rent-to-sale ratio, are things we need to pay special attention to. Generally speaking, for school district housing, the ** of rental housing is obviously not as cost-effective as **.

The premium of degree resources is harder than the demand for housing rental for parents to take care of their children nearby.

In the case that housing prices have been falling or fluctuating, we need to look at the above problems more prudently, and the investment attributes of real estate will gradually weaken, so the state of the rent-to-sale ratio is the basis for our above problems. If the building is relatively new, it is recommended to rent to others to collect money, the first reason is that the RMB is now a trend of depreciation, and the house at least maintains and appreciates its value. The second reason is that houses are really getting more and more valuable, except for rural areas, whether they are towns or cities, they are on the road of development, the economy is constantly developing, and the trend of property prices is constantly increasing.

If the house is relatively old and the location is not very good, in addition to the situation of being expropriated, it is recommended to sell it, buy a new one, or save money to eat interest.

I think it's better if you keep the house and rent it out, and you still have the house and you can rent it out every month, so it's even better.

You can calculate the rate of return on rent and bank interest respectively. If you rent it, the funds are urgent, the property is not good**, if you deposit it in the bank, it is mainly currency depreciation and inflation, depending on what you mainly need, and in the long run, it is recommended to rent.

If it's me, I'll eat the interest, because renting the house is too troublesome, and some tenants are impolite, and there is still a certain risk, so it's best to put it in the bank.

If you have a house, if you look at it from now, it should be better to rent it, because the rent for rent is very high, and the interest on bank deposits will not be too much.

The current economic situation shows that it is more appropriate to deposit in the bank, because in the past 3 years of the epidemic, we have learned a lot of truths, cash in hand is king, and now there are many new types of poor people, they have cars and houses, but they are very poor, they may have to live on credit cards, and they dare not buy anything. Especially because if you can't go to work during the epidemic, you won't have a salary, and if you do business on your own, let alone do it, it may be even worse, so if you have 2 million at the moment, it will definitely be used to deposit it in the bank. The era when you can get dividends through the house has passed, and in the past two years, the epidemic has not been able to pay the mortgage, and it may be time to lose the wife and soldiers.

Of course, it is to buy a house, because buying a house has more room for appreciation than saving in the bank.

Can you live?

Is 1 million yuan a lot? It seems like a lot, but in the long run, 1 million yuan can't support your future life, because our living expenses have been increasing.

For the absolute safety of funds, for the 1 million yuan we choose bank time deposit, because 1 million yuan has reached the minimum deposit amount of a large certificate of deposit, so we choose a large certificate of deposit that can pay interest on a monthly basis (after all, you need to spend every month for the cost of living). At present, the annual interest rate of large-amount certificates of deposit paid by commercial banks on a monthly basis can be reached, and the annual interest rate of this large-amount certificate of deposit is: 1 million yuan * 10,000 yuan.

If you say that you are alone, you should be able to live on it at present, but if you are a family, this amount is far from enough.

Taking second- and third-tier cities as an example, a single apartment's rent, utilities, and property basically cost about 1,500 yuan a month, and the cost of living alone for a year alone needs to spend 10,000 yuan. The remaining 10,000 yuan (average 2,400 yuan per month), if used for a person's daily living expenses, as long as there is no car maintenance, it can be basically satisfied. But this is only a short-term satisfaction, as inflation deepens, our cost of living will become higher and higher, to take the simplest example, 12 years ago, I could eat a good meal for 5 yuan in the small restaurant at the school gate, and now 10 yuan is not enough.

Therefore, the higher the cost of living in the future, your income of 10,000 yuan will soon be unable to support it, and you will have to use the principal, and the principal will decrease, and the interest will also decrease, which is a vicious circle. Therefore, if 1 million yuan can support you for 30 years, it is already a miracle. What will you do in 30 years?

The hassle of renting.

When you were young, you rented a house without any problems. But when you're old, you try again, and no landlord wants to rent a house to someone in their seventies or eighties, and I think everyone understands why. So what do you do when you're old?

To be honest, housing prices are so high, it still can't stop many people from buying houses, the most important thing is that the house is where people's sense of security and belonging lies, especially the security of the elderly. Therefore, if you only have one house, it is recommended not to sell it, or work hard and work hard, and don't always want to enjoy it at a young age. After all, many times a house means more than just wealth, it is also a memory of a family life.

Many things can't be measured simply by money alone. There are other valuable attributes in the house, and these attributes may not be reflected in your ** house price.

Calculate an account, if the house is worth 1 million, and it is deposited in the bank after being sold, the interest rate of 3% a year is 30,000, and if the house is rented out, 2,000 a month, 20,000 a year, the house still belongs to you, and it is okay to eat interest.

Recently, I saw someone on the Internet discussing such a question, saying that if your house can be sold for 1 million, if you sell the house and rent it, and then deposit the money in the bank to eat interest, is it feasible?

No, the interest of one million saved in the bank for a year will not be very much, which cannot meet the daily expenses of the family for a year, and renting a house also requires a certain amount of rental costs and moving costs.

You can't sell the house to eat interest, the house is sold and rented to live in, and you can pay rent from the benefits every month, but the house is not your own. It is difficult to sell the house for 1 million and then buy it back. Besides, 1 million to the bank really can't give much benefit money every month.

For us Chinese, a house means home, we have attached great importance to the house since ancient times, and for many people now, marriage must have a house, so that it is like a home. Therefore, many Chinese are constantly working hard for the house, although the housing prices in China are very high now, but there are advantages and disadvantages. The biggest advantage of buying a house is that it has investment value, and when the time comes, we can sell the house and make millions immediately, which is why many people invest in houses.

But after we sell the house, if we keep all the money in the bank, will we be able to live on interest?

Now in the first and second tier cities, many houses can be sold for 3 million to 5 million yuan, if a house worth 3 million is sold, and then put the money in the bank to deposit, how much interest can be generated every year? I believe that many friends are also very curious about this problem, because many people now have houses at home, and if they are sold, they can be worth millions, so let's take a closer look.

According to the one-year annualized interest rate, the interest of 3 million yuan for a year is 10,000 yuan, I believe that this interest is not high for us ordinary people, because many families can reach so much income in a year, we will round up according to the annual interest of 100,000 yuan, are these expenses enough to live? 100,000 yuan of interest a year, a month is about 8,300 yuan, so it is basically no problem to meet normal living expenses, after all, many people's salary income is now about 3000-4000 yuan, and if you deposit 3 million in the bank, you don't have to do anything every year, and the interest of nearly 100,000 can live very easily without pressure.

Let's calculate according to the interest rate of the bank's large certificate of deposit, the interest of 3 million deposits for a year can reach 10,000 yuan, which is equivalent to the annual salary of 120,000 yuan for ordinary people, I believe that many people will naturally understand when they see this data, 120,000 yuan is enough to live a life, the quality of life will not be bad in all aspects, and you can usually take your family out to travel, and your life will be better than most people, the most important thing is that the money is interest, not your main income**, even if you don't do anything for a year, There will also be an interest of 120,000 yuan coming in. But there are pros and cons, although we keep our money in the bank is the safest, but the depreciation rate is also very fast, in case of severe inflation in the future, then the value of the 3 million will depreciate a lot.

In the end, the principal believes that if you sell the house of 3 million, you can buy a smaller house, and the rest of the money can be deposited in the bank or invested, otherwise if you deposit all the money in the bank, you will have to rent a house outside to live, and you will not feel at home, and you will have to face the pressure brought by inflation, so only investment or fixed assets can make money worth forever.

I don't think you can live on interest, because the interest of 3 million houses is not much, if you only rely on interest, it is difficult to maintain a basic life, and at the same time, the price is now more serious, and the pressure on family life is relatively large.

If you can't live on interest, you can take other ways, such as not selling your house and living on rent is better than keeping your money in the bank and relying on interest.

If, I'm talking about if, if the house is sold for 2.8 million, the interest on the national debt is 4 percent, the interest is 100,000 a year, the rent for a month is 2,500 a year, and it is 30,000 a year and you can't rent it, which is advisable?

I think it can, at least in a third- or fourth-tier city like ours, because 10,000 yuan has about 300 yuan of interest, so 3 million yuan has 90,000 yuan, so I can definitely live on interest.