Renting or buying, which is more cost effective for young people with small savings?

If you have a certain amount of savings, it is recommended that it is more cost-effective to buy a house. Buying a house is your own and is a fixed asset.

I think renting is more cost-effective, and young people should focus on their careers, so that they can make a plan for their future and realize their dreams.

For me personally, if you have a small savings, it is best to buy another house by yourself, because young people in this era are good-looking, and they are not willing to rent a house to buy a house, and although there is a lot of pressure after buying a house, the house price will definitely be ** in the future, maybe ** and then sell the house, and then buy a house elsewhere is also a good choice.

If you can buy a house, of course, it is cost-effective to buy a house, and the house price has been constantly **, and it is cheaper to buy early. And the rent of renting is also constantly **.

Of course, it is more cost-effective to buy a house, if you have been renting a house, you have to spend money all the time, you don't have to pay rent when you buy a house, and you have to buy a house sooner or later, since you can afford to buy, why not buy it earlier?

Personally, I think that if your foundation is enough for you to buy a house, you better buy a house, because fixed assets belong to a promotion space.

You can buy a house, which is more cost-effective, after all, buying a house can have a stable home, which is still relatively good for young people.

For young people in big cities, the pressure to buy a house, the housing prices in big cities are astronomical one square, it is possible, the money saved in a year is not enough to buy a square one, for young people who have just come out of work is really a little powerless. But if it's renting, then the pressure is much less, at least the housing problem is solved first. If you have to compare buying a house and renting a house, it is cost-effective, of course, it is cost-effective to buy a house, but the premise is that you want to buy it, at least the down payment must be paid, and the down payment is the beginning, and the later installment is generally 10 to 40 years, I just learned that you can have 0 down payment, 40 years of installment, but in this way, you will have to work for the bank in the future, so that the longer the installment time, the higher the interest you bear, so down, I still think it is cost-effective to rent a house.

Renting makes life easier.

Compared with buying a house to live in, renting a house can well reduce people's economic pressure, the liquidity in hand is relatively more abundant, there is no need to calculate the cost of money in order to repay the monthly payment, and there is no need to worry about the quality of life will be reduced, so that life will be easier.

Second, renting is more free.

Now in the vast majority of rental houses, commonly used furniture and electrical appliances and other landlords are relatively complete, people can basically move in directly with their bags, very trouble-free, and people are looking for jobs in line with the principle of proximity, renting a house can be adjusted at will with the change of work location, which not only saves energy and saves commuting time but also saves travel costs, and is relatively more free and convenient.

Third, buying a house and living in it is more secure.

It is said that only when you have a house can you have a home, and if you have a house of your own, you don't have to look at the landlord's face all day long, and you don't have to worry about being driven out by the landlord at any time, and you will move in embarrassment, the quality of life will be more secure, and your sense of happiness and satisfaction will be greatly improved. In addition, young people nowadays are becoming more and more realistic, if they want to form a new family, the house is a necessary premise, otherwise it is difficult to get the approval of the other party's parents, even if the early rental certificate is obtained, most of the conflicts will be caused by the problem of the house after marriage, which is very unfavorable to the harmony of the family.

Fourth, buying a house and living in it has a greater sense of belonging.

For outsiders, renting a house is mostly to provide a place to settle down, to ensure that they have a place to rest after work and study, and living in someone else's house will be subject to many restrictions, such as can not be decorated at will, want to renovate with the consent of the landlord, damage to furniture and electrical appliances and so on to negotiate compensation, etc., after all, it is not as comfortable as in their own home, it can be said that there is no sense of belonging at all. If you want to develop in a big city for a long time, then buying a house and settling down is the best choice, owning a house of your own, it is equivalent to being firmly rooted in this city, no matter the size of the house, you will have the warmth of home, and life will be more secure.

Rent. The reasons are as follows:

Young people who work hard in big cities have less savings, and renting is relatively less stressful than buying a house.

Young people work hard, and the general job is undecided, so they can change their residence location at any time with their work.

Of course, for people with sufficient deposit balance, it is more comfortable to buy a house and live in their own house.

Renting is far more cost-effective than buying one.

First, housing prices in many cities have fallen this year, and the country's "three red lines" and the tone of "housing for living, not for speculation" have been further implemented. It is conceivable that the appreciation of housing prices in the future is expected to be greatly reduced, and real estate will no longer be "guaranteed to make money and lose money". In addition, the state is brewing a "property tax".

Once the property tax is fully implemented, house prices are likely to drop significantly to a reasonable level.

Second, if house prices are at historic lows, you can certainly choose to buy a house, but now that house prices are at historic highs, you will be at risk of house prices**. Therefore, choosing to rent at this time is far more cost-effective than buying a house. Besides, the mortgage has been repaid for decades, and when the loan is paid off, the interest is equivalent to buying another house, which is really not cost-effective.

Third, renting can alleviate people's financial pressure compared to buying a house to live in. And people live in rented houses, and people have plenty of liquidity. You don't have to spend money to pay off your monthly payments, and you don't have to worry about the deterioration of your quality of life. This way, life will be easier.

So, is it better to rent or buy a house? For this problem, it is mainly based on their own economic strength, and then consider the housing price. Of course, if you're a student in your early 20s, the best option is to rent a house.

First of all, you don't have enough money to buy a house. Second, entering society also requires a certain amount of capital reserves. There is no need to spend all your money on the house.

However, if you already have a large deposit and intend to start a family, then it is best to buy a house within acceptable limits.

Where is the future development direction of real estate?

Whether renting or buying a house, they all have their own advantages and disadvantages. In addition to the internal factors of personal consideration, the state actively regulates the external environment and returns the house to those who need it more. In the course of future development, the entire market will also develop in the direction of formal transparency.

For residents who need to rent, public rental housing is a good option. In the next five years, we will strengthen the construction of public rental housing and establish public rental housing near convenient transportation areas or science and technology parks to meet the needs of tenants, alleviate rents, reduce the risk of intermediaries running away at any time, solve the worries of hard work, and better shine in the post.

For those buyers who are on the fence about current real estate, there is no need to worry. **Consideration will also be given to the slow pace of second-hand home bank mortgages, whether homes will depreciate in the future, and whether real estate will collapse. In fact, real estate taxes account for a large proportion of local finances.

If the real estate crashes, the banks will bring in a lot of "bad debts". The real estate winter is only temporary. The state will gradually regulate the austerity policy, so that the house is returned to the customer, not the flipper.

All in all, instead of worrying about what won't happen in the future, it's better to live in the present. When you don't have enough money to buy a house, renting is right for you, reduce financial pressure, and fight for your ideals; When you have money to spare, you might as well seize the moment and choose a house that you like. Three meals for two people a day, four seasons, born to the sun.

There is no specific script in life. As long as we work hard for the future, "rent" or "buy", we can get good results.

Personally, I think that buying a house is more cost-effective than renting, the house you buy is your own, and the rent is always someone else's. My personal thinking is that the gold nest and silver nest are not as good as my own kennel, even if I don't have the money to buy a small house for a down payment, it is also my own, and I pay a fixed mortgage every month. Renting a house is also a monthly rent, but the rent is not necessarily fixed, and the rent may increase due to the price of the house**.

So it's quite cost-effective to buy a house.

If you feel that there is pressure to repay the mortgage, you can simply decorate it and rent it out, use the rent to pay the mortgage, and slowly reduce the pressure, or live by yourself, and slowly ease it after a few years of frugality, the monthly mortgage is fixed, but the house price is stable, and it is best to make a down payment on a suite nearby if you have a fixed job, and your own heart will be stable when you have a home, and the mortgage will be slowly repaid every month.

If you have a house, you will have a home, and you can live with peace of mind when you have a home, do your daily work, and take care of the people you want to take care of.

If young people don't have the money to buy a house, it's better to rent a house. In fact, it is good to rent a house to live, you can relieve your pressure, and don't become a house slave at a young age.

I think it's more cost-effective to rent a house. Young people in big cities are in the early stage of entering the social work, and both the salary level and the ability to work are low.

The most important thing for them at this stage is to improve their professionalism at this stage, enhance their ability to work in related fields, and lay a solid foundation for future promotions and salary increases. If they are in a hurry to buy a house at this moment, the mortgage and other property fees will make them lose the courage to take risks, and thus lose more and better opportunities to exercise themselves.

As a result, personal career development will be hindered, and the stress of life will plummet, which can make people even more miserable.

This is contrary to the original intention of buying a house to facilitate life and work.

Therefore, I suggest that young people in big cities rent a house for the time being, and wait until they have a certain financial strength before buying a house, which is not too late.

Indeed, judging from the amount of consumption alone, renting is much more cost-effective than buying a houseEven if the rent is 50,000 a year, renting for 30 years is 1.5 million. But if you want to buy a house, 1.5 million may be barely a down payment. Therefore, many young people have given up buying a house in a big city and returned to their hometown and neighboring cities to buy a house.

Combined with my own thoughts, when it comes to why young people should buy a house, then I think there are the following reasons:

First of all, your own house feels more like home, it goes beyond the value and has more security and belonging. Live in your own house and no longer have to worry about being kicked out overnight by the black-hearted landlord! I don't want to be too happy to arrange how I want.

Moreover, in the context of the epidemic, there is a house where you can settle downJust neededFinish. And I can live at any time, which is very convenient, for example, I have a house near the company where I work, which is not big but very close, and it is very comfortable to go up and sleep for a while during the lunch break every day.

Secondly, buying a house is also a way to invest, especially a house in a big city. But at this stage, if you buy a house to make money, then the risk is still very large, and it is a test of people's vision.

If you really have money to spare, you can also buy a house in a popular area for rentCompare value preservationTarget. And now the housing prices in the second and third tier cities are also increasing day by day, and if you want to buy a house, you have to make a decision quickly.

Third, most young people want to get married in their own house. Although many young people have now seen it and are no longer stubbornly pursuing the need to buy a house and get marriedIt is also possible to get married by renting a house, especially when you see soaring housing prices, you can forget it. But if the couple has plans to have children in the future, then it is not convenient to rent a house all the time, after all, it is still involvedGo to schoolproblems.

And many small families want to give one to their childrenStable living environment, I am already tired and paralyzed when I rent a house and move, and I feel bald when I think about moving with my family.

I've moved five times so far, and I've lived in a small room in a big city that's suffocating in the summer, and I've lived in various dormitories in other cities, and the experience is really poor. Even if you have moved so many times, you are still afraid of the feeling of moving, so you can imagine how troublesome it must be to move with your family in tow.

Finally, as a member of the young people, I still support buying a house.

For young people who have just entered the society, renting a house has many advantages. For example, the rent is lower, there will be no pressure like a mortgage, and it is more free and convenient for young people. In addition, renting is more flexible, and you can change your location at any time as your job moves, saving you time and commuting costs.

But there are still many young people who choose to buy a house, why is that? There are probably the following reasons:

First: the influence of traditional concepts.

Chinese pay attention to starting a family, and only have a family before a career, so young people's idea of owning a house of their own is deep-rooted. And the house is not only a place to live, but also a spiritual home, with a house, no matter how much pressure there is, there is a sense of belonging in the soul, and you will not feel helpless.

Second: self-worth.

The house is a fixed asset and has a certain room for appreciation. In today's society, the risk of investment products is very high, but the house is different, in addition to being able to live, it is still a good investment product, and it will not depreciate for a long time, and it also has a certain appreciation space. Although it is a bit hard to buy a house, the rewards are worth it.

Third: educational resources.

In China, some houses are linked to educational resources, and the house near the school can enjoy a better education. Therefore, many people will try their best to find such a house for the sake of their offspring, after all, today's children need to have a hukou if they want to go to school, and if they want to settle down, they need to have a house as support.

To sum up, this is why renting is easier and there are still people who are willing to take the stress of buying a house. However, buying a house should also consider your own economic strength, if the pressure of buying a house is too great, seriously affecting your life, it is not recommended to buy a house, renting is also a good choice, and it is not impossible to buy a house when you have the strength.