Let s talk about what it s like to save money to buy a house?

I feel like I've been saving money for the first 30 years, and in the end, just to buy a set of bricks, it's an empty shell, and I have to decorate it myself, and sometimes I feel quite dazed.

After my wife and I got married, we started to buy a house, because we used to rent a house, but when we bought a house, we realized that we had to save money and everything.

I think the most terrible thing is not how to buy a house, but that if you buy a house, you have to pay off the mortgage month by month, and you have to pay your children's tuition fees, what kind of insurance, which is very stressful.

The salary has not risen, but the house has been rising, and I can't save enough money to buy a house, so I borrowed money to buy it decisively.

Even if I want to save for a down payment, my current salary will have to be saved for more than ten years, but I want to buy a house of my own, but I still want to buy it, so I am still silently saving for a down payment.

If you want to marry your girlfriend, you must have a car and a house, you have to work hard to make money, you have to ask for money in front of your parents, and you have to borrow money, which is really not easy.

I was a girl before I got married, and I had saved enough money to buy a small house, more than 300,000 yuan was enough! Parents strongly objected, saying that girls should be supported by men, and it was enough to marry a man with a house and a car. The girl doesn't need to have much money in her hands.

Tell me to give them the money to buy a house, (but I feel that my parents will not harm me, and they will take out the money from my house to help me when I am in trouble in the future) Hehehe, after I gave it to them, they saved the money and kept it for my brother to marry a wife. I spent 10 years saving money, and all the money I gave my brother to use. Later, I got married, and when I was in trouble, I wanted to ask my parents to borrow some money to pay an IOU and interest.

Avoid it. Hehehehehe.

Originally, I was saving to buy a car, because I had the desire to buy a car since high school. Then last year, when a community opened, I unexpectedly bought a house, and if I couldn't get married in the future, I would be lonely in my own house for the rest of my life.

I think it's good to live in a rental house, it's not my own house, but it's basically stable, and it's not particularly high, and it may not be as stressful as buying a house.

I think my salary is really pitiful, and I saved my down payment for a few years, because it is not easy to have a wife and children to support at home.

People live for a house all their lives, I think people really don't know how to describe it now, but now for me, I don't think renting a house is so bad.

It hurts to buy a house, and it's painful not to buy it

I have the money, but the house I want to buy has already been sold.

If you pause and don't buy, it will naturally fall!

The CPF plus the money saved for the house allowance was paid for the down payment.

If you save money to buy a house, you must pay off the house every month.

Let me tell you about the experience of flipping a house, I invested a million in a house, and then it was lost overnight.

I think it depends on where you buy a house, if you buy a house in these first-tier cities in China, you may really have to pay off the mortgage for most of your life.

I haven't bought a house yet, but I've heard from others that it's very stressful, and now the house price has been rising again, and I can't afford it.

1: Do your homework before buying a house

It is very important to do your homework when buying a house, do not rush into the market like Xiaobai, without your own opinions and judgments, it is best to start preparing three months before buying a house, understand the new dynamics of the property market every day, and grasp first-hand information, so as to be targeted when looking at the house.

2: Measure the ability and act for the purpose

The total price of a small house is currently about 450,000 yuan, although it is less than one-tenth of the first-tier cities, but it is also difficult for low-income wage earners.

Therefore, the purpose of salaried people to buy a house must be done within their means, according to the purchase budget and their own actual needs rationally choose a house, if you look at the center of the **, economic ability and allow, then make a decisive move, if the bag is shy, do not slap the swollen face and become fat, buy a house can also be small and then large, first old and then new, step by step.

3: Consider the housing capacity in advance

Although it is difficult to buy a house, it is not easy to provide a house, buying a house requires a lot of money, if you empty your savings to buy a house, you will not consider the ability to provide housing in the future, it may also lead to the embarrassment of being able to afford to live, for buyers, if you want to buy a house, the quality of life will not decline significantly, then the monthly payment should not exceed half of the income, otherwise you may not be able to make ends meet, or even the risk of cutting off the supply.

4: When buying a house, you should take a long-term view

For buying a house and choosing a house, young salarymen may wish to establish a view of the overall situation, take a long-term view, pay more attention to urban construction planning, and those with convenient transportation and will gradually follow up in the next three to five years.

In 2021, I set myself an ambitious goal to save up to buy a house and buy a house that is truly my own.

Why do I want my house so much?

First, having a house of your own can shelter yourself from the wind and rain, and the house is the confidence and backing of people. The coronavirus pandemic that swept the world in 2020 caused a global recession, with millions of people dying of illness and homeless people left homeless and homeless to isolate. Tomorrow and the unexpected never know which will come first.

Every day of life, please give yourself a home, a place where you can shelter yourself from the wind and rain, a harbor where you can live when you are tired, and a source that you can fight for.

Second, having a house of your own can make you feel happier and more secure. After a woman gets married and has children, she really longs to stay in a place where there is no husband and no children, even if it is just ten minutes. When you are sad and sad, you don't want to go back to your parents' house or your mother-in-law's house, you just want to find a place where you belong to be alone, release your emotions, and accompany yourself who is confined to the world and wronged.

Having a house of your own can give you a sense of security, no one can drive you away, no one can make you wronged. About two or three friends, drink tea, chat, there is no firewood, rice, oil and salt at the moment, only wine is less than a thousand cups of confidants, isn't it happy?

In order to achieve my goal, I made a savings plan for myself, saving 2,000 yuan per month, saving 10 months a year, and saving 20,000 yuan a year. According to the current housing price of about 5,500 yuan in a small county, a 110-square-meter house needs 10,000 yuan. If the down payment is 30 percent, 10,000 yuan is required.

Worth. Human behavior is to eat, clothe, shelter, and travel.

Living is one of the most basic needs, and a house must be bought.

However, the reason why you have worked hard for a house is because you are so greedy that you have to buy an expensive house that you can only buy with the income from your life's work.

You must know that in many small counties in China, the second-hand houses with poor living environment and smaller area are tens of thousands of yuan, and you can buy them by saving more than 2,000 yuan a month after working for three or four years.

So if it's worth it, you have to ask yourself if you're willing to pay for your greed.

Personally, I don't think it's worth it.

Let's start by looking at why we want to buy a house.

It is nothing more than two goals: one is to make life better and happier; The second is investment.

For goal one – to make life better.

But I have exhausted everything, every time I spend money, I will think about a lot, and finally I can't bear to cut my love, I don't buy it, such a life can be short-term, but it takes 30 years to repay the loan, and after the child is born, the pay and investment will be greater, and the life that can't be opened will be infinitely reduced, and the happiness is infinitely reduced, which is a bit of putting the cart before the horse;

For Goal 2 - Investment.

In recent years, the probability of housing prices increasing has become lower and lower, and inflation, RMB depreciation, and the previous said that it is all it has, indicating that the house bought is also just in need of housing, and the possibility of reselling for money is extremely low, so the concept of "investment" is basically not applicable.

To sum up, the price of buying a house is too great, in order to pursue happiness, and a higher quality of life, buying a house is not a hard indicator, how much money can buy a house, and if you are not rich, you can fight for a few more years before buying.

Buying a house is about the icing on the cake of life, not going into debt.

The above comments. It's not worth it, first of all you have to understand that the house is your debt, you work hard to make money, you work for money, (your cash flow first goes into your income, and then into your debt) knowing this thing, let's talk about the house.

The house is not an asset, even if it is a house after the payment has been paid, because you still have to invest in it for the repair of the house, the cost of seventy-seven eighty-eight, the real rich man is to let the money work for him, even if it is a bank loan, it will not make it a vicious loan, for example, I bought a house and rented it out, the rent can pay my mortgage, and there is extra money, and this money will always work for me, even if I don't have a job now, I still have income**.

It's really not worth spending your whole life for a house, even if your house increases in value, it's only a few times on the original basis, it's not real money, what's more, you're not happy at all, you're working harder and harder, and you're getting more and more money, so much so that you don't have time to spend with your family at all, and the wealth you bring to them is just a house.

Why can't savings catch up with house prices?

All of you who wish to save enough money to buy a house will find an emotionally unacceptable reality, that is, the longer you save money, the smaller the house you buy, and the more money you save, the more unaffordable the house will be.

In the past, they could still buy a three-bedroom, but after saving for a few years, they could only buy a two-bedroom, and after saving for a few years, they could only buy a toilet, and in order to save money, they also cut down on food and clothing, were diligent and thrifty, reluctant to eat, reluctant to drink, reluctant to spend, and worked hard for so long to go the other way.

Many people can't understand why he is like this?

Why can't he save money faster than house prices?

That's what we're going to talk about today.

In fact, you might as well change the question, why can't the bicycle catch up with the high-speed rail?

Because they're not a level thing at all.

The so-called money has saved enough money to buy a house, and one of the biggest mistakes you make is that if you use paper money assets to chase a physical asset, then you will never be able to catch up, and you will never be able to.

For example, if you say 1.3 million, 10 years ago you could buy a two-bedroom apartment in Shanghai's Middle and Middle Ring Road, and now you can't even afford 1.3 million in Chongqing.

But at the same time, 10 years ago, I got 3,000 a month after graduating from college, and now I get 6,000 a month after graduating from college, which has not increased much.

So why is there such a big difference?

Because for the vast majority of people, the rate of return on capital is higher than the rate of return on labor.

First, there is a cap on the rewards of labor.

You only have 24 hours in a day, but there is no upper limit to inflation.

Second, the return on labor is at the very end of inflation.

That is to say, when inflation occurs, the asset ** rises first, and wages begin to rise after the increase, and it has a process of transmission and a time difference.

Third, the scarcity of labor is far less than the scarcity of high-quality assets.

For office workers, the company is not more than you, and you are not less than you, you are a redundant backup, since it is a backup, it is impossible to have a high return.

All the banknotes in the world will underperform the physical assets of the Tong auction, not only China, you go to any country, you go to the United States, to Europe, to Japan, there is no exception. If you want to preserve your value, you have to hold the real thing, and the most famous physical object is the real estate because it doesn't need to be kept.

You buy 100,000 eggs, and they stink in a few months, but steel and concrete will not, and the transformation of them into physical assets will be enough for you to work hard to screen out a large number of incompetent people in society, and if you want to get ahead, physical assets are still not enough, which can only keep you from losing, not for you to win.

If you want to run faster than the whole society, you have to chase another more important asset, this link is the key to the key, the vast majority of people don't know anything, have you ever thought about what assets are without any risk in an inflationary environment, and can continue to appreciate?

Even if you don't care about it at all, it will be more valuable after a few years, what is it?