When can a monthly salary of five thousand be able to afford a house

With a deposit of 100,000 yuan and a monthly salary of 5,000 yuan, I am ready to have a child next year, I am more nervous, I plan to buy a house within 400,000 yuan for my first house, can I buy a house? How to repay the loan appropriately and cost-effectively, please ask experts for advice, thank you.

Satisfied with the answer. dgsclixiaolv12

We are destined to be a tragic generation.

400,000 houses, plus messy deed tax overhauls, etc., 430,000 should be wanted. If you are ready to renovate, even in a first-tier city, 70,000 yuan is just an average. Down 500,000.

In other words, from the time you make a down payment to the time you live in, you have to pay 500,000. Are you going to live next year?

Now the down payment should be at least 30%, with a down payment of 120,000.

With a deposit of 100,000 yuan, a total of 280,000 yuan for a loan, and 120,000 yuan for borrowing (including a down payment gap, decoration or something).

I wonder what your salary will be in the future? If the overall level is not significant and there is no major improvement, it is recommended to take out a loan for 20 years. At the current interest rate, I have to pay back almost 2,000 per month.

There are only two ways to repay, and it is recommended to adjust the fixed monthly one, which is slightly less stressful at the beginning. In the future, if you have money, you can pay it back all at once.

It doesn't matter if you want children. The economy is tight, and the conditions of the children are almost bad. The milk powder money is about 1,000 yuan a month, which is only two or three years. If your hometown is rural, it is recommended to take it with you.

Boy, try your best to make money.

The monthly salary of 5,000 is not low in 2nd and 3rd tier cities, but it is not high. If your salary can be raised to 15,000 per month, you won't have to worry about it anymore.

Brother's monthly salary of 5,000 depends on which city you work in, whether it is a first-tier city, a second-tier city or a fourth- or fifth-tier city, the area is different, the housing price is not the same, according to the cost of the mortgage is one-third of your monthly salary, you can calculate which city you can buy a house.

It depends on your monthly salary of 5,000 is before and after tax, and it also depends on whether you are working in **. If it is Beijing's and only relies on its own income, then 5,000 will not even think about buying a house after tax. In fact, the situation is the same in Beijing, Shanghai, Guangzhou and Shenzhen.

With a monthly salary of 5,000, looking for the current housing price, you can never afford to buy a house, so it is better to choose a loan and repay it in installments, so that it is more appropriate to live in it first and then pay it back slowly.

The monthly salary is 5000, it still depends on where you are, if you are in a first- or second-tier city, I think you should stop thinking about buying a house. Of course, in the third and fourth tiers or small counties, it should still be possible to buy a house with a mortgage.

It depends on which city you want to buy a house. If it is Beijing, Shanghai, Guangzhou and Shenzhen, it is far away. And if it is a fourth-tier city, it is still very promising.

It is impossible to buy a house with a salary, even if the salary of 5,000 yuan in the county does not eat or drink for 30 years, even if you can barely afford the down payment, the mortgage will become a heavy burden.

Buy a house now. With a monthly salary of 5,000, go out to eat and drink. Housing is also rented.

It's 1,000 yuan for a lifetime. Renting a house, a few people live more, see if you go, just stay, live alone, get 2000 a month. Oh, look where you are.

You eat and eat and then take the bus. If you go out to open a small pot again, it's not 1,000 yuan, and you'll have 10,000 yuan left a year. It took ten years to save 100,000 yuan, and I couldn't even pay a down payment.

What to talk about buying a house? How can you save for a house, and how much do you have to pay comfortably? 50 thousand.

Then if you don't finish speaking, you will hold on to your second and third-tier cities to buy a house for 800,000 yuan, and you will ask your uncle not to pay 200,000 or 300,000 yuan. This is 200,000 hands and feet! There are still 10,000 years left in a year, and only 100,020 years are left.

That's 200,000 dollars. Call one comfortable.

Hello! This is at least until you can afford to make a down payment before you can buy a house, unless you have the support of your family.

When can a monthly salary of five thousand be able to afford a houseIt's hard to buy a house with this monthly salary! aqui te amo。

It depends on where to buy.

With a monthly salary of 5,000, you can buy a house at any time as long as it is convenient.

If the monthly salary is only three thousand,It is still possible to afford housing in small counties and villages, and the pressure is still very highAfter all, the housing prices in the small county town are now at least three or four thousand and one square meters, and the income and housing prices and consumption do not match at all; If it is in a big city, a second- or third-tier cityWith a monthly salary of 3,000 and no support from his parents' family, let alone buying a house, he can't even afford to rent a houseIt's hard to survive.

According to the current income level and the current housing price level, it is difficult for most young people to afford a house if they do not rely on their parents and do not rely on windfall wealth.

There is also a lot of pressure to rent in first-tier cities

The income of big cities such as Beijing, Shanghai, Guangzhou and Shenzhen is relatively high, and it is not difficult to have a monthly salary of 10,000 yuan, but the house price is higher, and it is basically impossible to buy a house, millions of nearly 10 million houses, and even the rent is at least 2000 months (or a very small shared house), and the speed of salary can never catch up with the speed of house prices, rents, and prices.

Some people say that it is okay to go north to Guangzhou and Shenzhen to make money, and then go back to their hometown to buy a house. This approach is indeed possible, but the premise is that your monthly income needs to be above 7000, otherwise you can only make money in Beijing, Guangzhou, and Shenzhen, and don't want to take it home, because rent + transportation + food + daily expenses, there is basically no surplus in salary.

The house is a large commodity, and it is not a simple thing to buy a house, and some people struggle all their lives just to pay off the mortgage, in fact, it is really not a matter of buying a house to buy it. Riding a bull and watching a bear believes that the income of ordinary workers of 3,000 yuan a month must first see whether they meet the average local wage, because the local housing prices are often more than 1 times the average wage, so if you can't even get over the basic line, don't talk about the story of buying a house with low income, then you can only rely on your parents to help pay the down payment and get on the car, but then you will not be able to stand the monthly loan repayment! If you can save 3,000 yuan every month, you will be able to save 36,000 yuan a year, and you will only be more than 7 years away from the goal of 250,000 yuan.

If you include the benefits of financial management, etc., it may end up in 7 years.

For salaried people with a monthly income of four or five thousand, if they decide to buy a house, they must make some trade-offs, one of the more important of which is that they may have to sacrifice the opportunity to have a second child before their income is significantly improved.

Migrant workers with a monthly income of four or five thousand cannot afford to buy a house at all with their own salary, most of them are parents who pay a down payment, and then repay the loan by themselves, only those who earn more than 10,000 yuan a month and can save money can afford the house by themselves, and it depends on which city they are in.

Suppose you plan to save money in 5 years and buy a 120-square-meter house with 2 bedrooms, 2 living rooms and 2 bathrooms in Beijing, which is only for two people to live in for the first ten years of marriage to a family of three, let's calculate how much money do you have to earn every day to pay a down payment of 30 yuan in 5 years, and continue to pay a mortgage loan of 3,000 yuan per month for 20 years.

The house price is calculated according to 36,000 yuan per square meter, the house price of 120 square meters is 4.32 million, and the down payment of 30 is 1.3 million yuan, plus the lawyer's fees, insurance, loan handling fees and miscellaneous expenses such as maintenance and other miscellaneous expenses at the time of delivery are about 150,000 yuan, and the cash in your hand when buying a house cannot be less than 1.4 million.

5 years, calculated according to 220 working days a year (most units are now paid according to the work diary), a total of 1100 working days. 1.4 million divided by 1,100 working days, equals 1,272 yuan per day. In other words, in order to buy a house, you must save a net of 1,272 yuan per day for these 5 years.

The suggestions are as follows: when buying a house, you should take into account your own family strength and situation, and you can't overdraft too much family income because you want to buy a bigger house, which will affect your future life. Some buyers, due to illness or other changes in their family members, were unable to pay off the mortgage within a limited time, and later the house was not in hand, and they ended up in a lawsuit.

Therefore, when buying a house, you must have a reasonable loan amount and repayment period, and the mortgage pressure should be within the range of the family's financial tolerance to ensure the future quality of life. Therefore, you can buy a house at any time, but the premise is that you are ready to get on the bus, look more, ask more questions, and think more to avoid unnecessary losses. In the face of unattainable housing prices, the methods and skills of buying a house with a monthly salary of 5,000 are basically unknown.

For the optimistic house, if you can show the future appreciation space, you must make a decisive move, and the house can indeed be more stable than the business in a certain period of time.