What is the difference between a house slave and a person who buys a house in full?

People who take out a loan to buy a house are usually called house slaves, and those who buy a house in full naturally have no pressure and directly become the owner of the house. So will there be a difference in life between the two? In fact, needless to say, people who can buy a house in full will naturally have more family resources and a richer life.

But people who take out a loan to buy a house are not really much worse than people who buy a house in full. Because in the end, both got the house, but the process was different. So how big is the gap between these two types of people in five years?

The five years of the house slave here are divided into two types of people, one is the house slave who takes out a loan for 5 years, and the other is the house slave who takes out a loan for many years and repays it for 5 years. What is the difference between these two types of people?

People who take out a loan to pay off in five years: Let's assume that the personal loan is 1 million, and the interest rate is calculated accordingly. Then the final repayment with principal and interest is: 1126785 yuan, monthly payment of 18,780 yuan.

Loan for 30 years and repay 5 people: Let's assume a personal loan of 1 million, and the interest rate will be calculated according to it. Then the final repayment with principal and interest is:

1888795 yuan, monthly payment 5247 yuan. In the fifth year, the interest on repayment is: 230,450 yuan, which is double the interest of those who repay the loan in 5 years.

Judging from the above data, we can see that the same house slave, the gap between the two after five years is also relatively large. However, the monthly payment pressure of the latter is actually smaller.

So what if we had the former change the loan term to thirty years and then choose to pay it off all at once after 5 years? Then the former can save 13,533 yuan per month. So what is the principal and interest of a 5-year continuous deposit?

Up to millions, in short, it must be more than the interest you pay on the loan.

Those who buy a house in full will eventually get the house as their own, and the loan will not have to be repaid and the interest will not be generated. The cost must be minimal. But the upfront pressure for such people will be very high.

Of course, if the person who buys the house in full uses the principal of the full purchase to invest and refinance the loan, then the final income is also very attractive.

If you have to compare house slaves and people who buy houses in full, there is really nothing to compare. After all, one has strength, and the other can only take out loans. However, if the person who buys the house in full takes out a loan to buy a house and reinvests it, then the income after the capital utilization rate is raised, there will be a big difference.

House slaves need to pay the mortgage every month, which is more stressful, while people who buy houses in full are relatively less stressed.

People who buy a house in full are under a lot of pressure in the early stage and have tight funds, after all, they come up with a lot of money at once. For those who take out a loan to buy a house, repaying the loan for many years is also a kind of torment, the pressure in the early stage is small, the installment is many years, and the monthly pressure in the later stage is also quite large.

I think the difference is: the feeling after waking up and opening your eyes every day is different, those who buy a house in full have no psychological burden at all, and those who take out a loan to buy a house want to think about how much money they owe to the bank as soon as they open their eyes, and they dare not get sick or delay repayment, for fear that their credit will be damaged.

One needs to give a down payment, and the other can give the full amount, which means that the financial ability of the two people is different. It's very simple, one is poor, scraping together, and it takes more than ten years to give a down payment, and one is already rich, and it is easy to buy a house in full, which is the difference between the rich and the poor.

The difference in mentality, the house slave will carry a lot of pressure, so that the mentality is unbearable, and there is no such trouble in buying a house in full.

It will be very comfortable to buy a house in full at any time, and for the "house slave", it mainly depends on your income level. After 5 years, what will be the difference between a house slave and a person who buys a house in full? I think that if you are buying a house today, the house slave and the full-payment buyer are all buying at the highest level in history, and they are all pick-up heroes.

In fact, whether it is just a need to choose to take the initiative to be a "house slave", or to buy a house in full, just need to successfully ** the right first house you need, and solve the problem of living. The rise and fall of the price of the first house has no substantial impact on the economic benefits of rigid demand.

Now for thatAlthough compared to 2 years ago, housing prices are no longer cheaper. However, just need to buy a house, mainly to solve their own living problems, it is impossible to wait for the house price to be sideways for several years** before buying a house.

The demand for the house is rigid, even if you have to empty 6 purses to make a down payment, it is advisable to drive in the morning. If you just need to be able to buy a house in full, you should consider buying a house in time. Undoubtedly, if you choose to buy a house in full, the economic pressure is small, the ideological burden is small, and it is very suitable for people who do not like "financial management" and pursue a simple and peaceful life.

It's not hard to see,Take the initiative to be a "house slave", whether it is to deposit the surplus money in the bank for a large amount of time, or to buy bank wealth managementFor example, in this article, if all deposit and loan interest rates remain unchanged, if you buy a house in full, after 10 years, A will have assets of 1 house + 550,000 deposits. If you buy a house with a mortgage, after 5 years, if A also chooses a 5-year fixed large deposit, after 10 years, A will have assets of 1 house + 1.76 million deposits + 740,000 liabilities.

Obviously, if the "house slave" chooses to save the remaining money in a large fixed deposit for 5 years, after 10 years, the net assets will be 1 house + 1.02 million deposits, which is 470,000 more deposits than the case of buying a house in full.

From the perspective of happiness, buying a house in full is definitely the happiest. Needless to say, everyone knows that buying a house in full does not have to bear any pressure, and there is no need to repay every month, while the person who takes out a loan is facing the situation of repayment every month, which is relatively stressful, and there will be a saving phenomenon for living consumption. On the whole, the people who pay the full amount must be very happy.

fromFrom an investment point of view, loans are the most cost-effective. Buying a house with a loan is more cost-effective in the long runBecause of the impact of the later H inflation, how much is the current 10,000 yuan worth in the future, no one knows, although the person who takes out a loan needs to pay a sum of interest, but he can leverage a large amount of money through a small Z gold.

If you buy a house if you are used to live, there is no loss or not, his use value is there, after all, his house is more secure than renting a house, and it can also be regulated for a long time, if Lu Yu has the ability, of course, everyone wants to pay in full, after all, the mortgage interest is also a lot of money, and there is no ability to pay in full, of course, there is a bit of a mortgage, and you have the ability to repay, you can also buy, according to your actual or rented situation, treat it correctly, if you repay it yourself, or rent a house to live in a group section, or go back to your hometown to develop. It doesn't have to be drifting, and it is right to treat it according to your actual situation.

The difference is relatively large, the problem of interest rate trouser wheel rolling, the problem of how much money is left, and the problem of inflation of some currency judgments will cause a big gap, whether it is mood or pressure is different.

House slaves need to repay the mortgage every month, need to calculate their wages, and the expenses will be particularly known and saved, and people who buy houses in full have no pressure, and will not care about how to spend the salary stress, eat what they want, and play how they want.

Suppose that the house price is 1.5 million after 5 years, then A is equivalent to winning a profit of 500,000 yuan with 200,000 assets, and B has to win a profit of 500,000 yuan with a capital of 1 million, so his profit margin.

How much is it? B's Mao with Tonghe interest rate.

It's very simple, it's 50% (= 500,000 1,000,000); And how much is A's profit? Here it is necessary to make a detailed calculation, assuming that the installment is 30 years and the principal and interest are repaid in equal amounts.

The interest is increased by 10%), so A's monthly payment is 5 years, A's total repayment amount is 10,000, and the remaining principal is 10,000, so the net use value of the house.

That is: 10,000 = 1.5 million.

800,000 wealth management products in 5 years.

The income is calculated according to 3% every year, so that 120,000 will be obtained in 5 years, and the last cash of a is 10,000 = 800,000 120,000; As far as the current housing prices are concerned, although we can no longer see the skyrocketing trend like in previous years, please rest assured that the housing will not have the kind of collapse phenomenon, so to speak, even if the housing prices fall, these people who should not be able to afford to pay in full are still unable to afford to pay in full.

Moreover, we must also understand that the effect of controlling housing prices today is mainly to discourage some people from investing in real estate and avoid injecting too many assets into the housing market. Subsequently, a real estate bubble occurred due to excessive speculation by some people who exploited loopholes but did not have the economic level.

And not for the sake of deliberately striking the house**. What is the difference after 5 years, most house prices will be ** in the next 5 years, in the process of falling house prices, some people of the Dink people who take out loans to buy houses will break off their loans because of the decline in house prices, and the Dink people will not pay off the mortgage because they cannot pay the mortgage.

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The down payment of the original round of first was lost, and some people entered the bank's credit blacklist as a result, not only losing the down payment, but also becoming dishonest and executed.

Everyday life can bring a lot of inconveniences, and daily life is even more difficult. If the house is bought back for their own residence, only if they feel that the price is high, although they are sad, they can only admit it, go to work hard, make more money, and still have hope in daily life, and the house is still their own. If it is an investment in real estate, it will be a miserable loss.

For the same situation of buying a suite, the more obvious difference between the two is that one is under great pressure and one is less stressed.

The house slaves are still paying off the loans, and the people who buy the house in full are buying new houses, because those who can buy the house in full are rich people.

I think there is a world of difference, the house slave is still the house slave, and the person who buys the house in full is living a chic life.

The pressure on the life of the person who buys the house in full will become less and less, and the life pressure of the so-called house slave will become more and more intense.

The main reason for this is that many people's incomes are further reduced, and some people will even lose their jobs due to the change in the industry. In such a situation, many home buyers may face the pressure of cutting off their supply and need to further reduce their living expenses. Before buying a property, many people should actually consider their ability to repay the loan, and never buy because of the so-called erection.

First, the life pressure of people who buy a house in full will become less and less.

For those who buy a home in full, they may need to overdraft their savings for many years to acquire their property by the time they buy it in full. In the beginning, their lives will be relatively stressful. But when the economy gradually recovers, many people's lives will become less stressful, and buying a house will also improve their quality of life.

Second, the life pressure of people who take out loans to buy houses will become more and more intense.

This is actually very simple, because not all people will only earn more and more, on the contrary, many people's income will continue to decrease with age. Because many people take out a loan to buy a house for 20 to 30 years, although they can repay the monthly payment normally when they are young, this does not guarantee that their income will remain the same, and many people may fall into a situation where the payment is cut off after many years. <>

3. I think buyers need to comprehensively assess their ability to repay the mortgage they regret.

Buying a house is not a trivial matter, and it is definitely not something that can be decided by patting the brain. For most buyers who just need to buy a home, many people need to consider not only their down payment level, but also their ability to repay the loan in the future, and more importantly, the funds they need to use in their lives. Not only do we need to give ourselves a place to live, but we also need to ensure that our quality of life is not negatively affected by buying a house.

Usually the house rioter slave will be very stressed, overwhelmed, and will have the idea of messing around, but the person who donates to buy a house is very comfortable, buried in the self-contained, and is very happy every day.

Usually the house slave will have a very stressful life and a bad mental state. I've been worried about losing my job, but people who buy a house with full money are very comfortable. It's very free, it's time to eat and drink

In the eyes of many people, the house is related to marriage, childbirth and other major events in life, and only by having a house of your own can you have a real home. As a result, housing prices have always been one of the hot topics of discussion.

The house slave will always pay the mortgage, and the person who buys the house in full will not have this problem.

With the development of society, both urban and rural people hope that they have a good house in the city and live a happy life. In recent years, more and more people have come out to buy houses in rural areas, and house prices are getting more and more expensive day by day, and now the house prices in many small counties have risen to 4,000 7,000 square meters, so it costs at least five or six hundred thousand yuan to buy a 100-square-meter house, which does not include decoration.

The advantage of buying a house in full is that it saves a lot of interest compared to buying a house with a loan, and you don't have to worry about paying the mortgage every month. But the premise of this is that you have to have the ability to buy a house in full! Therefore, many people will think that it is better to buy a house in full, so I will give you a simple calculation of the mortgage and the full payment to buy a house is more cost-effective.

With the lowest house price of 4,000 square meters in the county, then it will cost 400,000 yuan to buy a 100-square-meter house, which does not include decoration. If you buy a house in full, 400,000 yuan, plus various purchase taxes, you can get about 410,000 yuan together, and then you are ready to raise money for decoration, and other monthly payments have nothing to do with you.

In the case of housing loans, it is calculated according to the commercial loan, and the interest is calculated according to the benchmark interest rate as of February 1, 2019. Then the house payment of 400,000 yuan, 30% of the down payment is 120,000 yuan, the loan is 280,000 yuan, and the loan is 15 years (180 installments), then the total repayment amount is yuan, the total interest paid is yuan, and the average monthly repayment is yuan. That is to say, if you have a down payment of 120,000 yuan for a house of 400,000 yuan, then if you take out a loan of 280,000 yuan for 15 years, you will have to pay about 2,200 yuan every month, and it will end after 15 years.

The interest to be paid in the middle 15 years will cost 10,000 yuan, but buying a house in full can indeed save more than 110,000 yuan in interest. If you have a provident fund, choose a provident fund loan, the down payment is the same as above, then you can calculate through the mortgage calculator that the interest to be paid in 15 years is 10,000 yuan, and the monthly payment is 1967 yuan, in short, the interest on the loan to buy a house is between 10,000 yuan.

In fact, this is not calculated market inflation in it, we all know that the money in people's hands will be more "worthless" in the future, and now the same 100 yuan will be put in 15 years, it is estimated that it is equivalent to dozens of yuan now, so buy a house in full and buy a house with a loan.

To sum up, after 5 years, the difference between the "house slave" and the person who buys the house in full is whether to bear the expensive mortgage, but it is also necessary to consider whether the inflation rate is too fast to draw a conclusion.