Can young people still rely on themselves to buy a house in a first tier city?

First calculate what the housing prices in the first-tier cities are, and then see if the income level can be reached and who can reach it.

1. Housing prices and monthly payments in first-tier cities.

House prices: As of July, the average price of housing in first-tier cities is 10,000 yuan.

If you just buy an apartment of about 50 yuan, the total price is about 2.3 million yuan, the down payment of 30% is 690,000 yuan, and the monthly payment is about 10,000 yuan.

If you want to buy a house of about 100 yuan, the total price is 4.6 million yuan, the down payment of 30% is 1.38 million yuan, and the monthly payment is about 20,000 yuan.

Second, the level of income.

1. A rich second generation with a family background.

For example, Wang Sicong and other classes, referred to as the rich second generation, can also buy houses in first-tier cities on their own. They have family backgrounds, resources, connections, and relationships, and they start differently. This should be basically agreed, and there is no need to talk about it.

2. Salarymen with high education and corporate executives.

According to the current statistics, the annual salary of 500,000 yuan is basically a relatively peak average income level, and the annual salary of one million is not to be discussed. 50 single apartments, with a monthly payment of 10,000 yuan, should be easy for them; About 100 houses, with a monthly payment of 20,000 yuan, accounting for 50% of the income, there is some pressure, and it is not impossible.

Therefore, working-class people with high education and corporate executives can buy houses in first-tier cities on their own.

3. Middle-level management salarymen.

At present, the average income of middle-level personnel in first-tier cities is 10,000 yuan, and the annual income is 18-240,000 yuan. 50 single apartments, with a monthly payment of 10,000 yuan, accounting for 50% of the income, can basically be bought. Further up, it starts to be a little strained.

Therefore, ordinary wage earners can buy a house on their own, but the area is small.

4. Ordinary wage earners.

Since the middle management class is already under a bit of pressure, for the ordinary wage earners, they can only work hard, grit their teeth, and see if they can buy a house with a smaller area and a little farther away from the central city.

5. Emerging industry groups.

For example, Internet celebrities, who do well, are said to have hundreds of thousands a month, and ordinary ones have tens of thousands a month, which is equivalent to the middle-level management salaryman or above. That's fine with these kinds of people. But not everyone is an influencer.

According to statistics, it is still the rule of 28, 20% of people are doing it in this wave of emerging industries, and the rest are still struggling and struggling at the level of ordinary wage earners.

In summary, young people can buy a house in a first-tier city on their own. The question is how much you can afford to make money. Improving oneself is the fundamental problem.

As for whether young people can buy a house completely on their own, the answer should be yes. Not to mention those cattle who earn hundreds of thousands of dollars a year, they are ordinary salarymen, and they can still buy houses on their own. I sent the baby to make up for the class on the weekend, and I walked around the neighborhood casually, and when I saw the ** placed by several intermediaries at the door, I instantly felt that the threshold for buying a house in this city was not so high.

The old community in Central, 33 square meters, hanging 2 million, I believe that this ** can still be discussed, the down payment is 30%, it is estimated that plus transaction costs and intermediary fees, as long as there are more than 600,000 yuan to buy a house. And the location is also good, the transportation is convenient, and the nearby supporting facilities are also complete. Small earning area?

It doesn't matter, let's go to the outer ring, there are many new communities here, the total price can also be controlled, if you extend the subway and go a little farther, the unit price is 2-30,000, 80-90 square meters of houses, there are really a lot. Moreover, housing prices in first-tier cities, except for Shenzhen, have been stable for several years. As long as you really want to buy a house, the requirements for the first home are lowered, and you can always buy it after saving for a few years.

If two people save money together, the time will be shortened a lot. Of course, if you feel really stressed, you can also reduce the dimension and buy a house in a second- or third-tier city. It doesn't matter if you have more money or less money, as long as you change your mind, there is always a house for you.

Whether a young person can buy a house on the front line depends on what kind of profession he is engaged in, and if he is in a large national enterprise with good benefits, and for a period of time he can buy a house if he serves as the head of a department with a large reward. If you don't have a stable job, it's hard to buy a house in a big city just by working part-time.

Few young people can afford to buy a house in a first-tier city on their own. Unless they have a high salary, they can rely on themselves to buy a house in a first-tier city, but such young people are a small number after all, even if their parents pool money with them to buy, they can only make a down payment in a first-tier city.

It is still more difficult for young people to buy a house in a first-tier city, because the housing prices in the first-tier cities are too fast, and it is difficult for ordinary people to buy a house, while compared with the people with high education, high income, and corporate executives, through their own efforts for many years, they can buy a house in the first-tier cities.

If you can rely on yourself to buy a house in a first-tier city, you can start from scratch. It's very difficult, unless you have any special skills, or have extraordinary talents, but this is basically a rare existence, and it is estimated that there will not be one in 1000 people. Most people are still dependent on their parents.

I think that young people who work in first-tier cities should buy a house first. Young people working in first-tier cities have dreams and want to gain a foothold in the city where they work, so it is wise to buy a house first.

One is to buy a house to appreciate and buy a car to depreciate. Young people work in first-tier cities and earn more wages.

The second- and third-tier cities are high, and after several years of struggle, they all have some savings in their hands, and they are hesitant to consider whether to buy a car or a house. I have a friend who worked in a unit in Beijing after graduating in 2015 with a monthly salary of 10,000 yuan and a dividend at the end of the year. After working for a few years, I have some savings.

Three years ago, with the financial support of my parents, I paid a down payment of 1.5 million yuan and bought a small apartment outside the Third Ring Road. Although it has caught up with the housing prices in recent years, for Beijing's housing prices, the increase is only slow. As my income grows year by year, I feel less pressure to repay my mortgage. Another young man who joined the company at the same time as him chose to buy a car first and spent nearly 100,000 yuan to buy a Great Wall SUV.

After buying a car, my social distance has been shortened, and I have contacted some customers after work, although I have broadened my income**, but the parking fee, repair fee, refueling and other related expenses of the vehicle are a lot of expenses. After three years, I felt that I was working in a first-tier city, and it seemed that the necessity of buying a car was not very great, so after making a choice, I sold the car at the end of last year and lost more than 20,000 yuan. Through the above cases, we can see that the house is not only used for living, but it also has an investment function, although the current housing prices are not as good as in the past, but it also has the function of maintaining and increasing the value, and the vehicle is a consumable.

Therefore, I think that when choosing between buying a car and buying a house, buying a house is the first choice.

The second is to buy a house with a sense of belonging and a sense of happiness when buying a car. In my opinion,First of all,Young people working in first-tier cities are more valuable than buying a car, the sense of belonging to buying a house is increasing year by year, and the happiness of buying a car is decreasing year by year, and the happiness of buying a car is really not the same as the sense of belonging to buying a house. Secondly,For men who don't have a girlfriend yet, or who aren't married yet, buying a home is crucial.

Whether you are on a blind date or married, if you don't have a house, you will lose points in the eyes of the blind date, because the other party will feel that there is no sense of belonging. After buying a house, it will add extra points to yourself, and it will also make the girlfriend you make a sense of belonging, and the relationship between the two parties will be more stable; Although buying a car makes people feel happy, the next parking fees, repair costs, refueling and other related expenses are a lot of expenses, which will gradually dilute this happiness. Therefore, in comparison, the sense of belonging that buying a house brings to people is far more practical and profound than the happiness of buying a car.

Review:As the saying goes, choice is more important than effort. In my opinion, for young people working in first-tier cities, it is important to choose whether to buy a house or a car first.

If young people working in first-tier cities plan to take root or invest in first-tier cities, then make enough down payments and buy a house decisively, because "owning a house" and "owning a car" in first-tier cities are, after all, two completely different concepts and feelings.

It is advisable to buy a house first if you plan to rent it to the landlord every month. That's the equivalent of you're helping your landlord pay for the property. However, if you only need to make a 30% down payment, get on the car first, and take the rest to take a bank loan and repay the monthly payment every month, then it becomes a rent for yourself.

And in the end, rent and rent, and the house is truly yours.

Secondly, the house is a real estate, so when you pay back the monthly payment for several years, the house may increase in value. At this time, you will feel that the most profitable thing is to buy a house. Maybe the first pot of gold in your life started with buying and selling a house.

If your employer helps you buy a housing provident fund, it is recommended to apply for a portfolio loan at the same time, and the interest rate of the provident fund is relatively low and preferential. For you who just need it, it's definitely good. And if you buy a car, it is a consumable, and after a few years of use, you want to sell it again, **it must be lower than you**.

Now that life is becoming more and more stressful, there are many college students who have just entered the society who are very confused, and they will encounter such a question, should I buy a car or buy a house first? In fact, this question should be combined with your own family situation, and what is your plan for your future, and then I will explain it to you, I hope you will have a plan for your future after seeing this explanation. In the case of limited funds, buying a house and buying a car can only be the same, but for young people, what is the correct order of buying a house and buying a car, getting married and buying a house, a point of view that most people will agree with.

After all, you have no place to settle all day long, wandering around, and you have to pay the reluctant rent every month, this kind of life will definitely give you the feeling of no home, and a house can give you a sense of security and belonging is irreplaceable. If you solve the problem of housing, you will consider buying a car. Except for the first-tier cities, the housing prices in most cities are acceptable, and it is not a big problem to try to buy a house with rigid demand, and buying a house may be the primary consideration.

The house price is not high, and the down payment and monthly payment are relatively affordable, but pay attention to the premise of controlling the risk, and do not blindly buy a house without buying a house. From a financial point of view, a house is a store of value, a car is a consumer product, and if you rent a house to live in, you must also rent a parking space for your car. In the long run, from the perspective of the increase in housing prices, it is possible that housing prices can be exchanged for a car.

In fact, I personally think there is no unified conclusion on whether ordinary migrant workers buy a house or a car first. According to your actual needs, if the car is a little bigger for your actual needs, you can buy a car first, and if the actual needs of the house are a little bigger for you, you can buy a house first. This is a matter of opinion.

The post-90s generation is almost 30 years old, and when you think about the hard work in the first-tier cities, you can't help but think of how magnificent you used to be. When I went to work, I never went out before dawn, and when I got off work, it was dark, and I never felt how crowded the subway was, and the bus was like a private bus, and I never felt bored at that time, let alone feel that this society was any different. But when I reach the age of 30, I can't afford to buy a house, my relatives and friends in my hometown are married and have children, and the older children are starting to call uncle, do I continue to rent a house and struggle, or go back to my hometown to solve the problem of the house first?

In China's higher education institutions, if you look carefully at the distribution locations, you will often find that the more developed cities are, the more universities are in the top ten, and the graduates of those top universities are themselves with their own halos, and they have been the stars of their classes since childhood, and they are noticed by those who know and those who don't know. If it weren't for the fact that there was a mine at home or a family business waiting for him to take care of, who would want to go back to a remote mountain village and let others call out the nicknames "Dog Egg", "Dog Baby", "Silly Girl" and so on when he was a child. Riding a bull and watching a bear thinks that this is the unacceptable of honor students, but this society has always been cruel, and you will find that even if you graduate with a salary of 5,000 yuan higher than that of graduates in the same period, it is still difficult to afford a house on your own at the age of 30.

The age of 30 is both embarrassing and important, and it is not an exaggeration to say that it is a turning point in life. Riding a bull and watching a bear thinks that after the age of 30, there is a mid-life crisis in a few years, and the parents are getting older and older, and the more they have children, the more pressure they have, which is also the problem of only children now. If you can't afford to buy a house in a first-tier city at the age of 30, you have to ask your "other half" if you are willing to wait another 10 years to buy a new house?

Would you like to rent together for the rest of your life? In fact, not to buy a house and choose to rent a house for a lifetime, this is already a concept accepted by developed countries in Europe and the United States, life pressure is less, live faster, even if the mortgage for 20 to 30 years after buying a house is still like a mountain pressing you.