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As far as the economic concept is concerned, if you buy a house, it will not do you any good for your own development, it will hedge your funds, limit your development, and reduce your ability to respond to emergencies (mortgages also take time). In addition, I think that the economic plasticity of buying a house is not as great as the benefit of buying land. Buying land can be used to build your own house, and you can use it to build a commissary or a small hotel, which will be beneficial to your financial return.
And according to relevant surveys, you will spend more on buying a house in a big city than you will on renting a house. Buying a house can be understood as a kind of concentration of later consumption, which is called early consumption.
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My daughter, coordinates 18th tier cities, worked for five years, her ex-boyfriend bought a house two years ago, and she saved her own money to get a car, and then broke up. Housing prices in 18th-tier cities continue to be **, thrifty, borrowing relatives and friends finally bought a small second room last month, friends around me have said that the return on investment of buying a house is too low, maybe the house bought did not bring value-added, but it gave me a sense of security that I could not give financially, patiently tidying up my small home, my heart is down-to-earth and calm, and several girlfriends around me have also bought a small house one after another. So girls, if you can, give yourself a suite, although it is small, it can make you feel at ease!
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First of all, I think the purpose of buying a house with all my savings, if it is just needed, I think I should buy, after all, it is necessary to have a suite to live in this era, but if it is a second house investment, in my opinion, it needs to be considered, one is the ability to repay, the second is the consequences of the bursting of the bubble, and the third is the impact on the quality of life after buying a house. After all, the real estate under the name also has a correlation effect.
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Although you have to pay off the mortgage every month when you buy a house, the house will be your own after a few decades of repayment. But renting a house is different, not to mention paying rent every month, always living in someone else's house is not a long-term solution, sometimes you can't buy good furniture when you visit IKEA, but it's different with your own house, you can arrange it according to your favorite style.
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After buying the house, I felt settled down in my heart and solved a big problem. Later, my husband played games and converged, and his income went up, the child was born, renovated in 2016, and a third of the debts were repaid in 2017. It is estimated that this batch of ** was left by the developer for unknown reasons at that time, and was later released, otherwise the location is so good, it would have been gone a long time ago.
After buying a house, it feels like everything is getting better.
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The house I live in was bought just after graduating from college. Bought it with my dad's money. It was renovated the year before last, and I moved to the house on the ninth day of the new year last year.
I am very happy to have my own room, and I feel that I can finally live in a better place, and I don't have to look at people's faces, and I have confidence. I'm ready to sell this house now. My grandmother was sick and short of money, so she sold her house to treat her illness.
I'm reluctant to do it. But I'm even more reluctant to grandma.
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Renting an apartment is never a long-term solution, and living with your parents is not a lifelong solution. Therefore, having a house is equivalent to having a stable place in life. This, in particular, is needed.
Women have money and are more likely to spend it indiscriminately. The best investment, of course, is to buy a house. Try to make a down payment, and then use part of the money for the next month.
In a few years, the house will be your own.
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In '08, my husband and I signed my first house in my life, when I was 25 and he was 27After buying the house, we both had no more than 1000 left on the cardThe decoration is all about buying furniture this month and electrical appliances next month.
I signed a contract in March and moved in in July. At that time, buying a house was just needed, and the contract was signed on the same day after seeing the second-hand house. Both of us are very satisfied with the house, high floors, due south and north, front and back, airy.
It's only 10 minutes from the subway, and it's convenient to buy things downstairs. Later, I also learned that there are two very good elementary schools nearby. In short, all kinds of fun!
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1.the concrete symbol of home; 2.spiritual support; 3.
status; 4.Security; 5.Freedom of decoration; 6.
the right to decide on relocation; 7.avoid shrinking wealth; 8.forced savings; 9.
No more cynicism; 10.Solve the most critical lifelong events.
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Once you've saved enough for a down payment, you can buy a house if you meet the conditions without spending too much money.
2. Taking out a loan to buy a house is to put eggs in different baskets, and the extra money can be used for other purposes, so that the funds can be used flexibly.
3. To borrow from the bank, the bank will check for the buyer out of risk considerations, so the bank naturally cares about the advantages and disadvantages of the real estate project. In addition to reviewing yourself, the bank will also review you the developer, which is highly insurable.
Disadvantages of buying a house:
1. The borrower is burdened with debts. The first is the psychological pressure, because the traditional habits of the Chinese do not allow Yin to eat grain and pay attention to saving, so it is not suitable for conservative people to buy a house with a loan. And in fact, home buyers do have a lot of debt, which is not easy for anyone.
2. It is not easy to realize quickly. Because it is a mortgage on the property itself, it is difficult to buy a house, which is not conducive to the delisting of buyers.
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The advantage is that you have a fixed place of residence when you buy a house, and you don't have to worry about renting a house in the future, but the disadvantage is that after buying a house, you will worry about the price of the house, which will depreciate your property.
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Judging from the current real estate market, buying a house now has a lot of choice and room for price reduction, and it is easy to buy an ideal house. However, there may be a risk of depreciation.
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The advantage of buying a house now is that you have a fixed place to live when you buy a house, and you don't need to rent a house, but the disadvantage is that the house price may be ** after buying a house.
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In fact, I think the advantage of buying a house now is that you can live in a good house, and you can also make yourself have a good investment, but a bad place, if the house price falls in the future, it will cause a lot of damage to yourself.
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Benefits: Easy to get married. Housing prices are likely to rise. You can eat the price.
Disadvantage: I don't dare to spend money indiscriminately every month, and I have to pay off the mortgage.
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The upside is that your house may increase in value at any time, and the disadvantage is that you may become a mortgage slave.
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Buying a house is not suitable for users with unstable jobs or low financial income, and it is easy to be unable to repay the loan. Once the loan for the purchase of a house cannot be repaid, it will affect the personal credit report, so it is necessary to repay the loan on time to avoid affecting the credit report.
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Buying a house is forced savings, and for many people, buying a house is the only way to avoid being harvested. You see, after you carried it for more than half a year, your house has risen by more than 500,000 yuan, and the money is still in the house and has not been stolen, but other people's money has been squandered and harvested, and the value is no longer a level, I don't know if you should be happy at that time? Or are you happy?
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There is nothing good or bad, the key is whether it is just needed, if it is just needed, buy it!
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The benefits of buying a home are as follows:
1.Stable living environment: Owning your own home can provide a stable living environment without having to worry about moving frequently due to sudden rent increases or non-renewal of the landlord.
2.Increasing Assets: Buying a property is a long-term investment that may increase in value over time and the home itself can be used as an asset.
4.Reduce the cost of your home: If you choose to buy rather than rent a home, especially if you hold it for a long time, you may pay less each year for home-related costs (such as mortgage, strata fees, etc.) than renting.
5.Preferential policies available: In some countries or regions, there may be some tax incentives and other benefits for home buyers, which can help ease the financial pressure on home buyers.
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The benefits of buying a home are numerous, some of which include:
1.Stable home: Buying a home can provide you with a stable place to live without worrying about being evicted by your landlord or having your rent go up.
2.Property appreciation: Under the right market conditions, real estate is an investment with the potential to appreciate. Over time, the value of your property may be **, giving you financial gains.
3.Tax incentives: In some countries and regions, home buyers can enjoy tax incentives, such as interest deductions.
4.More freedom: Owning your own house gives you more freedom to plan your life, decorate and furnish your room, and reflect your personal style and taste more than renting a house.
5.Financial security: Owning a home can make you feel more financially secure. In case of an emergency, you can get financial support by renting out or second-hand**.
In conclusion, buying a property is a long-term, stable investment that can bring convenience, stability, and economic benefits.
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I agree with this point of view, if I am asked to invest, it should not exceed 30%, and if it costs too much, I would rather rent a house than put too much pressure on myself.
In fact, when real estate is dominated by "consumer goods", it means that the vast majority of people buy houses to meet the needs of self-occupation, rather than for investment speculation, which is also in line with the positioning of "housing for living, not for speculation". Once the real estate is operated as a financial asset, it is like buying **, and its starting point is to invest.
Benefits of Buying a Buyer:
1. Buying a house can bring people a sense of belonging and security. Living in someone else's house or sharing a house with others, everyone will always have safety concerns, but living in your own house, you will feel more secure and have a greater sense of belonging, after all, everything here belongs to you;
2. Buying a house can be used for rent. If you have a place to live or are not living in the area where you live, you can rent out the house to someone else and let the tenant pay the mortgage or earn rent for you.
Although most buyers now pay a deposit after choosing a house, the deposit is voluntary, and buyers can choose not to pay it. After the buyer chooses the house, it is time to pay the down payment and sign the contract, and I believe that everyone knows the importance of the purchase contract, so the buyer must pay attention to whether the content is perfect or whether there are controversial places when signing the purchase contract, including the division of responsibility and handling methods for unexpected situations after delivery.
After the purchase contract is signed, the buyer can go to the bank with the information prepared in advance to go through the mortgage procedures, and the mortgage loan methods generally include provident fund loan and commercial loan.
If the buyer meets the conditions of the provident fund loan, it is naturally good, and it can also save a lot of interest expenses, but the restrictions of the provident fund loan are also more, and there is no need to force it if the conditions are not met, and the buyer should choose the method that suits him according to his actual situation.
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I think the benefits of buying a house are, 1The subconscious identity of the Chinese people. The traditional concept of the Chinese people is deeply rooted in the bone marrow.
2.Real estate is one of the best tools that the average household can use to leverage their finances.
If you have a house in hand, the bank will be happy to provide you with a loan, and it is very efficient.
3.Realize two-legged walking and increase personal property income.
In addition to the income from work, it is very desirable to be able to use real estate investment to obtain property income.
Because as long as your house is there, there will be a constant flow of cash.
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The advantage of buying a house is that you have a place to live, and you have a place of your own, you can rest when you are tired, and you don't have to think about collecting rent every month.
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The mortgage interest rate for the first house is small, and you can also use the provident fund loan, while for the second house and three houses, one is that the down payment ratio is high, and the other is that you can't use the provident fund loan if you have it.
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The first home can be reduced with a down payment and the loan has such benefits as a discount.
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If you buy a house for the first time, of course, the interest rate is relatively low, and the loan is relatively easy to manage.
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According to the description of Tianbao, what are the benefits of the only first house, I inquired about this question, first of all, the first house does not have to pay so much tax, and a lot of taxes are added to one house and three suites.
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The interest rate on the loan will be lower.
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When buying a house, both agents and salespeople will ask you if you are your first home. It can be seen that the first home is very important, so do you know the 3 benefits of the first home?
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Hello, as we all know, home is a place where a person feels secure and a harbor of growth, and it is worth it for us young people to spend all their savings to buy a house to live in. If I want to settle down in a place, I definitely need to have a job with a relatively stable income, and then think about having a long-term stable residence, think about starting a small family, and work hard for a small family and a large family, this kind of life should be the life that we are all living.
Most of us are more traditional and simple-minded, and in our hearts, home is important, especially for girls, and stability is also very important. Some people have exhausted their parents' savings and are burdened with foreign debts, and they also want to buy a house of their own in the city, because this is more down-to-earth and has the direction and motivation to work hard.
Nowadays, although money is not omnipotent, but no money is absolutely impossible, just ask which part of today's urban life does not need money! Although we can't be too materialistic, we have material needs everywhere in life, don't we? And in today's society, it can be said that the house has become the premise of most people getting married, if you don't have a house, let your wife marry you and live after having children?
Even if your wife doesn't mind, your mother-in-law won't agree, after all, no one wants their daughter to live without a fixed residence after getting married, and buying a house is not only a housing guarantee for your future wife, but also a proof of your ability.
In short, when we young people have a house, we can find a goal to strive for and a place to go in the future.
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