Have 100,000 yuan in savings, and face the choice of paying a down payment to buy a house or startin

Personally, I suggest that you still buy a house, because when you ask this question, it has been proved that you are not firm in starting a business, and maybe my understanding is more arbitrary. However, as a person who has been in business for six years, I still want to talk about my own experience, just for reference.

The difficulties of starting a business are as follows.

First, the fierce competition in the industry has led to thinner and thinner product profits, while the wages of housing and hydropower personnel have not decreased, but increased.

Second, the process of science and technology has promoted the transformation of many industries. For example, catering, in the past, a waiter was needed to be next to it to cooperate with the order, but now it is basically one-click ordering. Those who are eliminated mean the needs that are eliminated one by one.

Third, the project that can be done by 500,000 yuan is destined to have no high barriers, and there are a lot of people who can do it, and there is no profit. Luckily, once the profits are lucrative, they will rush in an instant. In the end, he still couldn't escape a fight.

From a personal point of view, the current entrepreneurial project either basically does not cost money, or spends a lot of money, and does not cost money, because it can build a certain barrier, for example, it costs a lot of money to pay for this knowledge, and it also uses money to build a barrier.

If you really want to start a business, it is recommended to take 100,000 trial and error to pay a tuition fee first. Entrepreneurship and work are two categories, and the division of categories is not based on the form of work but on psychological endurance, vision, tolerance, and ability to resist pressure. And these are without textbooks.

The probability of entrepreneurial failure is still quite large, so it is recommended that if you have to start a business, you should find someone with entrepreneurial experience to guide you. This is a lower probability of failure.

Hello! It is recommended that you can start a business first, and the house can be rented first, and then buy it when you have certain economic conditions.

If you can make up the down payment, make up!

If you can't make a down payment, find a way to improve yourself!

100,000 yuan to start a business unless you want to set up a stall, otherwise you really can't have fun.

Basically, I rented an office space, bought a few computer desks and chairs, and half of the business license was gone.

If you do joining, basically even the franchise fee + decoration fee + shop rent is not enough.

And the house will not be missing a brick if the price drops in a few years, and you may not be able to afford it if the price rises in a few years.

If you can't make a down payment, it is more reliable to upgrade your academic qualifications and take a few certificates.

What you learn is your own, and no one else can take it away.

Yes, the specific look at the house to buy.

Conditions for buying a house. 1. A natural person who has reached the age of 18 and has full capacity for civil conduct;

2. The age of the man is not more than 60 years old and the age of the woman is not more than 55 years old when the loan is due;

3. Have a stable and legal occupation and income**, and have the ability to repay principal and interest.

The process of buying a house:

1. Sign a house purchase agreement with the development company.

2. Fill in the application form for personal housing loan and provide the information required by the bank.

3. After the bank's examination conditions are qualified, the bank shall deposit the down payment or issue a down payment voucher.

4. After passing the examination and approval, sign the loan contract, mortgage contract and guarantee contract.

5. Handle mortgage registration, housing insurance and notarization procedures.

6. Handle the procedures for recording and redepositing loans.

7. Go to the development company to go through the relevant household procedures.

It depends on where you buy Now major cities across the country have launched a purchase restriction policy, and the down payment for a property under your name must be 50%, but it depends on where you buy it Some places still have no purchase restrictions Housing prices are also relatively cheap.

When many people buy a house, they will worry about money, because buying a house is a very difficult thing, everyone has to go bankrupt, and some people say that 100,000 yuan can buy a house. How much do I have to pay for a mortgage? Please see below for a detailed explanation.

It is enough to pay a 10% deposit to buy a house for 100,000 yuan in advance, and it is even more difficult to buy a house in the town for 100,000 yuan. Loans for new homes do not require an appraisal and are generally issued at the transaction price. Buyers should do a good job of local credit policies.

The down payment can buy a house, and if you have a provident fund of 300,000, a house is about 400,000. The business loan is about 300,000. You can probably buy a house of 300,000 yuan, after all, you have to pay a down payment!

What is the usual down payment for a home? 1. According to the national policy, if it is the first house, the down payment shall not be less than 30%, such as 1 million, and the down payment must be 300,000. The mortgage is calculated according to the proportion of the loan, but according to the regulations, only 30% of the ** is required, which is the problem of the loan.

2. For example, a house worth 1 million can be loaned 450,000 yuan with a provident fund loan, and all the rest must be paid as a down payment, that is, 1 million - 450,000 yuan = 550,000 yuan, that is, a down payment of 550,000 yuan.

3. If it is a commercial loan, then you must consider your financial situation and your ability to repay, and then deduct your mortgage, and the rest is the down payment. The down payment for the second home should be high, this is only the calculation of the first house, if it is a second house (calculated by family), the proportion of the down payment cannot be less than 50%, for example, for a house of one million, the down payment must be one million yuan * 50% = 500,000.

4. Second-hand housing to pay, buy a house according to the proportion and loan amount to calculate, if it is a second-hand house, you have to negotiate with the landlord about the down payment ratio, not boring grandchildren less than 30%.

5. Developers can enjoy the discount of the down payment, and some developers will provide them with certain discounts in order to attract customers, for example, ** Ant Loss Chain will pay them a certain fee and let them book in advance. For example, for a house of 1 million, the down payment is at least 300,000, and some developers will give a 20% discount, and the remaining 10% can be repaid within a year, which is also to relieve the pressure of buyers.

What is a 10-month down payment for buying a house? How much do I have to pay for a mortgage? First of all, it is necessary to understand the situation of the down payment, because the house is in different cities, so it is not the same.

The total price of the house has a lot to do with the down payment, which is generally 30% of the down payment, but in the case of a second home, the down payment will be relatively high.

A down payment of 100,000 yuan can also be used to buy a house, such as in a third- or fourth-tier city, you can buy a house with a construction area of about 60 square meters for the down payment, but if you want to buy a house in a first- or second-tier city, it is basically impossible. If the down payment is relatively small, you can choose to buy an apartment first, because the cost of the apartment is relatively low, and the area is relatively small, and the payment for the house is relatively small.

According to the provisions of the state, the proportion of the down payment cannot be less than 20% of the total house price, and if the area of the house purchased has exceeded 90 square meters, the proportion of the down payment cannot be less than 30% of the total house price. To apply for a business loan or a provident fund loan, you should consider your family income and ability to repay the loan, and in addition to paying the down payment, you should also consider the deed tax, housing maintenance** and other pure expenses that need to be paid when the house is acquired. Jiwu real estate encyclopedia, more must know to buy a house.

Therefore, when we are facing anything in life, as long as we do it well, we can do it, so I think investing in a house is more important than investing in a car. So I personally think that investing in a house is a wise choice at the moment, in fact, sometimes we have to make a very rational choice when faced with any choice. Therefore, I personally think it is very meaningful to invest in a house and invest in a car, because investing in a house can bring you certain fixed assets.

Therefore, it is not necessary to invest in a car now, if you are still young, if you want to buy a car and do business, then it is okay.

The down payment for buying a house is 200,000, and it only takes 100,000 to buy a car, so I think I should buy a house first. Now that the house is rising, even if the house price decreases, it will not lose money, because you can still live in it yourself. If you buy a car, the car is a pure consumer product, even if you buy a new one and sell it, it is not worth much.

You should buy a house first, because a house is a necessity of life, and it is also possible to increase in value, while a car is a consumer product, and it will begin to depreciate as soon as it lands, so it is more cost-effective to buy a house.

Buying a house first, of course. The car is a consumable, and when you buy a car, it starts to depreciate, and there are additional expenses every year, such as insurance and maintenance, and gas, which add up to enough for a down payment on a house.

It must be to buy a house, because the value of the house is maintained, and the heart of the house is relatively stable, and the car is not very valuable, and it is spending money when it is used, and it is not worth much after driving for a long time.

Buy a house first, the car will depreciate, the more you use it, the less valuable it is, the house is different, even if the house is second-hand, you can also speculate at a good price, buying a house is the right choice,

If you have a deposit of 200,000, should you buy a house or a car first?

Consider it from your own actual situation, if you need to buy a house when you are going to get married, then buy a house with a down payment first. If you are currently single, or have no plans to get married in the short term, start a business first.

If it were me, I would choose to start a business first. I don't think there is a need for young people to rush to buy a house, especially when there is only 80,000 yuan for a down payment. After buying a house, you have to face the pressure of repaying the mortgage every month, and at that time you don't have the heart to start a business, you just want to get your salary on time every month to avoid breaking the loan, which will wear out your entrepreneurial spirit and spend your life doing nothing.

So I think it's better to start a business first, the house can be rented first, and it's not too late to buy it when the business is successful, then there will be an economic foundation, and the pressure will be much less. After all, the house has always been there, and the fighting spirit and opportunities you want to start a business are hard to come by.

Of course, I started my business first! Buying a house is important, but if the existing money is used for a down payment, then the money will be gone, and you will continue to save money to pay off the mortgage, month after month, year after year, then have you ever thought about how old you are when you pay off the mortgage, whether you no longer have the energy to think about starting a business, or you have more than enough energy to do it!

Maybe at that time, your children already have their own children, and there is no chance to start a business again. Although I enjoyed the new house in advance, I may miss a life-changing opportunity, if I choose to use the 80,000 yuan to start a business, that is, to live in a new house a few years later, I won't lose anything, right? When you have the capital to start a business, go boldly to start a business, and use money to make more money, then you have to think that if you succeed in starting a business, then you will get more than the original 80,000 benefits, far more than these, and when you buy a house, you can pay the full amount instead of the down payment first, and then pay it back little by little!

That's cool, isn't it?

While you are young, you must break through, although it is said that entrepreneurship may not be successful, but if you do not start a business, you will not succeed! Use our abilities and strengths to bring a better life to our next generation and our families. The house will always exist, you can buy it at any time, as long as you have a place to live now, you don't have to worry about anything!

But once the opportunity to start a business is missed, it will be missed forever, and the so-called opportunity is reserved for those who are prepared! The loss of youth will never return! Therefore, choose to use the existing assets to start a business, give yourself a chance to show, work hard, change your life, go to the peak, and shine your own light!

Because at this age in the early twenties, it is the age when you dare to think and dare to act, and you don't need to take care of the elderly, and you don't need to take care of the old age, and you don't have any family burden, so even if you fail to start a business, it will not cause a fatal blow to yourself, because you can start over again if you are still young.

At this time, if you choose to pay a down payment to buy a house, that is to say, put all the future in this house, because you don't have any time and energy to think about other things, every day you open your eyes, you will think about how much mortgage you still owe, and you must require your job to be very stable, because you have to pay off the mortgage every month, so for the stability of your job, you can only choose to live a mediocre life, and you dare not take any risks.

Because if you lose your stable job and income and can't repay the loan, you will lose any fighting spirit and be trapped by the mortgage, but if you are in your thirties and forties, you will probably want to pay a down payment to buy a house first, because people in this age group usually need a more stable life.

If you start a business at this age, there is no stable income and no stable residence, then it will become particularly uneasy psychologically.

Therefore, people in this age group usually like stable jobs, stable incomes and stable residences, because people in this age group are afraid of failure, and it is difficult to start all over again once they fail, or they don't have so much time to start over.