I finally saved 500,000 yuan, do I want to buy a house or save it in the bank?

If you have 500,000 cash in your hand and only deposit it in the bank, because the longest deposit period of the bank is 5 years, if you save it for 10 years, it is equivalent to two cycles, and the total income is 10,000. Compared with the currency depreciation, the total amount of 500,000 principal and 10,000 interest is 10,000, and according to the depreciation rate of 50%, it is actually only equivalent to 10,000, and there are still 10,000 diluted by the additional currency. Looking at it this way, it is clear that depository banks cannot resist inflation.

However, due to the future slowdown in economic growth, the rate of currency depreciation will also slow down in the future. M2 will fall from an average of more than 10% per year in the past ten years to about 6% in the next five to eight years, and the corresponding currency depreciation may be around 6%. In the long run, in order to activate the vitality of the economy, deposit returns will follow the decline.

With 500,000 cash in hand, do you buy a house or keep it in the bank? The comparative analysis of the experts woke me up.

3.Summary and comparison: buy a house or save in the bank?

From the above analysis, we can see three conclusions:

First, as long as housing prices do not rise or rise less, it must be cost-effective to deposit in banks, which mainly exists in individual cities with insufficient economic development potential and unsuccessful resource-based transformation;

Second, as long as the city has strong adsorption and the population inflow index shows a net increase, then there is a high probability that the housing prices in such cities will continue to be the first, and the amplitude will definitely exceed the yield of the deposit bank, coupled with the role of leverage, there is a high probability that it will outperform the currency depreciation, and whether the increase in value mainly depends on the city, products, location, property and other factors.

Third, in any case, if you have 500,000 cash, you must not put it in your hands, and you can't fight inflation in the bank, so you can only invest the money. Of course, in addition to the fact that you can't choose where you live, and for the purpose of preserving and increasing your value, a good city property may be a good option.

Buying a house. If it is me personally, I will definitely buy a house, because it is useless for you to save money in the bank, if I buy a house, it is not only to preserve the value, but also to save our rent, to buy a house is just needed, living in your own house will have a sense of security.

Of course, it is to buy a house, the interest rate of depositing in the bank is not high, buy a house, the house can appreciate twice, a good house, the value is immeasurable.

I think you can consider buying a house, because buying a house can make you more grounded and give you some comfort.

If you have 5 million, buy a house or keep your money in the bank? In fact, it is more cost-effective to do so.

Invest in yourself and do what you know about!

500,000 yuan exceeds the threshold of large-amount certificates of deposit, so if you choose a large-amount certificate of deposit deposit in the bank, the interest rate can be as high as 4% or more, the interest rate can reach 20,000 yuan a year, and the interest can be as high as 1,700 yuan a month.

This requires looking for some small and medium-sized banks, which can definitely jump to more than 4%.

Large-denomination certificates of deposit have become a powerful tool for absorbing new deposits, and many elderly people like large-denomination certificates of deposit, mainly because of the high interest rate.

Extended Resources:

If you don't study anything, you stupidly put it in the bank demand deposit, according to the interest rate table, the current account only. 500,000 yuan a year, but you can only get 1,750 yuan, less than 150 yuan a month.

If you deposit a one-year fixed deposit according to the central bank's benchmark deposit rate, the interest rate is only 7,500 yuan for one year and a little more than 600 yuan for a month. If you look at the large certificates of deposit above, the interest rate is directly different from the demand deposit by more than 10 times. If it continues for many years, what kind of drastic changes do you think?

For young people, it is necessary to study the bank deposit products sold by online Internet platforms, their relative interest rates are also relatively high, generally between 3% and 4%, and the time is more flexible, from one month to three years of products. It's just that you need to pay more attention to it and buy it in time. At present, many large Internet platforms have been connected to multiple banks to carry out the marketing and promotion of cooperative deposit products.

Depositors do not need to open a bank account separately, they only need to automatically generate a second-class electronic account through the Internet platform to access and withdraw actions.

Bank Term Rate.

Calculation formula. Repayment per instalment = principal per instalment + interest per instalment.

Principal amount of each instalment = total loan amount for the specified number of years.

Interest per instalment = (total loan amount - repaid in the previous year) * annual interest rate.

Monthly repayment = total loan amount Specified number of years + (total loan amount - repaid in the previous year) * monthly interest rate.

Deposit interest calculation.

Unlike other deposits, interest on demand deposits is calculated on the basis of the corresponding month of the deposit date, where interest is calculated on the 30th of each month and 360 days of each year. For example:

Deposit on January 1, the number of days to calculate interest on February 1 is 30 days, interest = principal * current deposit interest rate 30 360

Deposited on January 15, the number of days for calculating interest on February 18 is 33 days, interest = principal * demand deposit interest rate 33 360

Deposited on January 15, the number of days to calculate interest on February 10 is 25 days, interest = principal * current deposit interest rate 25 360

At the same time, unlike other deposits, the interest is calculated according to the interest rate level on the date of withdrawal, and the interest on demand deposits is adjusted in a timely manner with the adjustment of the central bank's interest rate.

Type of deposit. Deposits can be classified in a variety of ways, such as original deposits and derivative deposits according to the mode of generation, demand deposits and time deposits according to the maturity, and unit deposits and individual deposits according to the different depositors (taking China as an example). Personal deposits, i.e., resident savings deposits, are the currencies deposited by individual residents in banks.

Introduction: Many people will choose to buy a house at the right time in life, so people must find a way that suits them in life, and there are many problems that need to be paid attention to when buying a house. <>

Nowadays, I personally think it is better to buy a house, because now many inherent assets can be valued, and the interest on the bank is very small, so it is more cost-effective to buy a house in this way, and if you deposit the money in the bank, the interest is not high, and you can only save it for a long time, because the long-term interests will be higher, and the house price will continue to appreciate, so it will be better to buy a house if you have spare money, if you have enough spare money, investing in the real estate industry is a good choice. <>

Many people will step into the step of buying a house, so there are many problems that need to be paid attention to when buying a house, so before buying a house, you must understand the knowledge of buying a house, and in the process of buying a house, you must not pay and sign any paper documents, because it is very likely to be deceived, when buying a house, you must find a reliable salesman, because many unreliable salesmen will be cheated, and you must understand many parties**, Shop around as much as you can. <>

There are many advantages of keeping money in the bank, because depositing money in the bank is conducive to supporting the construction of the country, and when saving money, it can also allow people to develop good behavior habits, and it is also a channel to become rich, and people can also bring some stable cash flow to everyone by depositing money in the bank.

Because the bank used to have a certain amount of interest, and at the same time it can also allow you to have more opportunities to choose, because you can make some investments, and now the profit is also very considerable, so people can consider whether to deposit money in the bank.

Buying a house, because the house price is low at this stage, and the interest rate on keeping the money in the bank is not high, so it is more suitable to buy a house.

At this stage, it is more appropriate to buy a house, because the state and the business factory are dually regulating housing prices, and the housing prices are relatively low as a whole, and the interest rate of the bank has not been very high, so it is more appropriate to buy a house.

I think this stage should be suitable for buying a house, because now due to the epidemic, the interest rate of the house is down.

In the current environment, if you have 500,000 in hand, it should be deposited in the bank, and it is very convenient for the bank to take some interest to deposit and withdraw, and you can take it out when you need it urgently.

In view of this problem, we must also consider all aspects. For example, if you don't have the idea of using a large amount of money in a short period of time, depositing in a bank is the best thing to do. However, there are pros and cons to everything, although the bank can guarantee that depositors will never "lose money", but in the future, in case of inflation, then the purchasing power of 500,000 may not be as good as a few years ago, in other words, the money we have in the bank will be "less and less".

In short, if you don't want to take any risks, then deposit 500,000 in the bank; If you want to get a high yield, then choose to buy a house. However, whether to buy a house or to save it in the bank still depends on your own needs. However, if you have 500,000 yuan in your hand, you can still do many things, such as buying business, dividends and other financial products; In addition, you can also join, buy shares or open your own store, it can be said that we still have a lot of choices, right?

The higher the income, the more cash you have at your disposal. It depends on your area, the nature of your business, and the size of your dream. No matter what means you use, as long as you can accept and the current laws of society allow, the sooner you accumulate it, the better.

Be clear about the general trend, have your own clear judgment when there are different opinions, and be responsible for your own investment behavior. If you want to gain wealth, you have to recognize the illusion, invest in it, and then quit the game before the illusion is recognized by the public.

Buying a house, of course.

You deposit the money in the bank, and the bank lends the money to your landlord to buy a house?

When others can't afford a down payment after 6 wallets, you keep the down payment in the bank?

Five years ago, pork cost 16 yuan a catty, rice cost 2 yuan a catty, now pork costs 36 yuan a catty, and rice is more than 3 yuan a catty.

If your down payment is all borrowed, then think again, because you can't afford to lose when the price goes down, you can't afford to buy it if the price goes up, and it's not bad if you invest your money in the business, and in five years you may be able to say to the world that "house prices are like onions".

But if you are only afraid of falling property prices and save the down payment in a bank deposit whose income cannot keep up with inflation, the risk is actually greater than if the property price falls after you buy a house.

Because the price of property has fallen, you still have a house.

In fact, not only now, but at any time, if there is no shortage of houses to live in, then the money in hand should not be used to buy a house - originally, the actual use of a house is to live! In previous years, house prices were speculated very high, but that is not the actual value of the house, and sooner or later it will fall!

Therefore, if you have 500,000 yuan in hand, and there is no shortage of houses to live in, and there are no other places to spend money and good investment projects, then it is better to keep the money in the bank. Of course, if you need to buy a house or have other places to spend money, then spend the money where you need it most; If there is a good investment project, then it is okay to invest the money.

If it is just needed, of course, it is to buy a house. If you don't just need it, don't deposit it in the bank, but you need financial investment. Buy bonds** or wealth management products with good relative returns.

I think that if you are an investment buyer, the ultimate goal of buying a house is to be able to **7% or more per year (mortgage interest + various taxes, etc.), so that you can have the effect of making money. However, judging from the current situation, domestic housing prices will not appear sharply, but the space for housing prices has been opened. Therefore, if you choose to buy a house in 2022, you are likely to face the result of ** house prices in the future.

Therefore, instead of investing in buying a house in 2022, it is better to honestly keep your money in the bank and eat interest.

Many people may ask, why do you say that in 2022, you should keep your money in the bank instead of buying a house? Our views are mainly the following three: first, China's housing prices from 1998 housing reform, all the way to the end of 2020, there has been basically no decent adjustment during the period, and once the real estate market has a trend adjustment, it is too possible to have the same retaliation as in the past.

The main reason why some cities are now relaxing their control on real estate is to avoid large fluctuations in the real estate market in the short term.

Deposit in the bank. 500,000 yuan to buy a house can't pay the full amount and have to pay the loan, the house is not a necessity! Money is! Now that the general environment is not good, you will have a sense of security if you keep your money around!

In the current environment, if you have 500,000 yuan in hand to buy a house or deposit it in the bank, it depends on the specific situation: just need 500,000 yuan to buy a house. If you have a house, 500,000 yuan still chooses to deposit in the bank: a large certificate of deposit or stable financial management.

Deposit it in the bank, because if you can buy a house with 500,000 yuan in full, it is likely to be in a third- or fourth-tier city, unless you live in it, and the appreciation value is not high. In the first and second tier cities with potential, 500,000 yuan is just a down payment, and the loan amount to be borne is somewhat high. The deposit bank at least gives you some confidence and the ability to resist risks when something happens.

Although I don't get much interest.