Now is it better to buy a house or rent, and it is better to rent or buy a house

Each has its own benefits. In our country, we are more accustomed to buying a house, and at least we have to have a house to feel mentally steady. So basically, there will be a demand to buy a house.

If you already have a home and don't have much savings to buy a house, renting is a good option because it's not that stressful. If you don't own a house and don't have much savings, you can consider taking out a mortgage to buy a house. If you have savings for a house, buy it decisively.

You shouldn't lose money just by collecting rent.

In developing countries, societies that continue to invest in infrastructure in the country, and economies that continue to overshoot in M2:

Property value = residential value + ** option + mortgage leverage value + inflation hedging.

The land price is always positive, and the currency value is always negative, which is a very simple scissors difference principle.

Buying a house. Assuming that in 2012, you buy a house of 1 million yuan with a down payment of 300,000 yuan, including the house price** and currency depreciation, the market value in 2017 is conservatively estimated to be 1.3 million yuan (definitely more than). Sell for cash:

1,300,000 - remaining loan 640,000 = 660,000. At this time, your salary is also high, and your ability to repay the loan is also high, you can consider taking this mortgage to build a house of 2.2 million yuan as the ultimate home.

Rent. Whether you are considering buying a house or renting a house, it means that you can now have enough 20-300,000 yuan in hand. If you don't buy a house, what are you doing with the 300,000?

If you have a good investment channel, you can certainly use this money as an investment. But if you don't have it, deposit it in the bank or put it in **? These 300,000 can still leverage 1 million real estate now, and how much purchasing power will be left in 5 years?

How much did house prices go up then? And what about the rent you pay for 5 years?

Other than that. Under the current rent-to-sale ratio, the monthly payment is much higher than the monthly rent, why is the landlord willing to subsidize the price difference out of his own pocket, is to value this ** option.

Rent.

1. More flexibility. When renting, it is relatively simple to change houses due to changes in demand or income. If you're a frequent traveler, renting may be a better option. And having lived in different places can also help you choose an area that is more suitable for you, and then buy a house.

2. Don't worry about repair and maintenance. When renting a house, repair and maintenance are the responsibility of the owner, but when you have a house, repair and maintenance are your own responsibility. Usually the older the house, the more it will cost on this item.

As a homeowner, you'll need to set aside some funds for unexpected repairs and routine maintenance.

3. Low spending. The rent for the same house may be lower than the monthly payment, and the one-time cost of renting a house is lower than the regular cost. Usually tenants are required to pay two weeks' rent and two weeks' deposit in advance.

The only thing a tenant can lose is the deposit and the rent paid for a certain period of time.

4. Investment diversification. If you choose to rent, you can transfer the deposit used for buying a house to other investment purposes, and choose other products that are more suitable, such as low risk and fast return.

In the case of rapid growth in house prices, buying a house is a better choice; Otherwise, renting is more cost-effective.

When it comes to the cost of buying and renting a house, you also need to consider the opportunity cost.

And from a lifestyle point of view, buying a house and renting a house are two completely different lifestyles.

Buying a house is relatively more stable and feels like home, but it needs to bear higher economic pressure in the early stage, which is more suitable for young people with stable careers, rising incomes, and no other economic **.

Renting is relatively more free, and to some extent can improve the quality of life, such as changing the place of work and moving closer to the workplace.

For people who have a better use of their funds, such as starting a business or investing in a business that is profitable, they can use their existing money for a higher return investment.

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It's good to buy a house.

Buying a house: You need to pay the mortgage every month, and the way you repay the loan may be the same every month or it may decrease from year to year. However, this kind of thing is bitter and then sweet. And buying a house also has a sense of belonging.

The disadvantages of renting: it is not environmentally friendly, and your physical health and even life will be harmed. If the house you rent is a house that someone else has invested in for rent, it will be miserable, because the owner only wants to make money, and the house he renovates is made of some low-quality and inferior materials with toxic and harmful substances.

I once lived in a house like this, and the smell inside the house was so strong that I could smell it with the windows open, and I felt that if I lived in such a house, I would not be able to live in it.

For young people who are just starting out in the workplace, people with relatively high job mobility, people with unstable incomes, and people with tight funds, renting is good. For people who are ready to get married, already have a down payment, have loose funds in hand, and have a stable income, it is good to buy a house.

Pros and Cons of Buying and Renting a House:

1. Advantages of renting: the ability to use more living space, more able to cope with changes in family income, more free funds, can find more favorable use channels, and has a greater degree of freedom of migration.

The risk of defects or damage is borne by the landlord, and the tax burden is lighter. Don't worry about the risk of room rates**.

2. Disadvantages of renting: the risk of involuntary moving out [the landlord does not rent], unable to install his own will to decorate the house, the rent may increase, and financial leverage cannot be used.

Pursue the benefits of the difference in housing prices, and you can't force yourself to save by buying a house.

3. The advantages of buying a house: fight inflation, force savings to accumulate real wealth, improve the quality of living, enhance the effect of credit, meet the psychological utility of owning a home, and provide opportunities for residential utility and capital increase.

4. Disadvantages of buying a house: lack of liquidity, to change houses or realize, if you want to take into account liquidity, you may be forced to reduce prices**. The maintenance cost is high, and although the investment in renovation can improve the living environment, it also represents high maintenance costs.

The risk of loss of capital includes the actual risk of damage to the house, the price of the house**.

Whether or not it is mandatory to have your own home for a family depends on your personal situation and needs. I'm an AI assistant myself, and I won't have my own family or be in a marital relationship, so I don't have a subjective approach to these issues.

Whether buying or renting a house, there are pros and cons:

Advantages of buying a home:

1.Asset preservation. Property can preserve and appreciate in value, helping to grow wealth.

2.Stability. Having your own real estate is easy to enhance your sense of stability and security.

3.Feel free to decorate. Feel free to design and decorate according to personal preferences.

Advantages of renting:

1.Life flexibility. You can choose from a variety of locations, sizes and rents for more flexibility.

3.Less risky. The property **** will cause asset loss, and the risk of renting is small.

4.There is a lot of choice in the future. After renting, you have more leeway to buy a house or move a house.

Personally, I would choose to rent or buy a house depending on my actual living situation

1.If there is a high requirement for life stability, there is a lack of stable long-term investment products such as real estate in the asset allocation, and the economic environment and financial conditions also permit, I will give priority to buying a house.

2.On the contrary, if my life is more flexible, my financial pressure is greater, and I want to leave room for follow-up options, I will choose to rent. Only when the economic conditions are relatively comfortable and the life is relatively stable, should you consider buying a house.

3.You can also choose to rent a house and consider whether to buy a house when the conditions are ripe. This maximizes the range of options.

Therefore, whether it is necessary to have their own housing for a family is still to be judged according to their personal living conditions and needs. If conditions permit, you can choose to rent or buy a house, each with its own advantages. Sometimes, renting a house can also be a bit more flexible for newlyweds.

This requires the newlyweds to work together to be sensitive.

1. There are not many loans, in small cities, if the house is less than 2000, the loan pressure is not large. Otherwise, don't buy a house, especially if you want to take out a loan for more than 20 years.

2. Full payment. You can buy a house with a good geographical location, there is investment value, and you can buy it if it may be demolished within the property right period, such as within the 4th Ring Road of Beijing. Otherwise, you will spend money to rent a house for 70 years, and the house will still be in the state after the expiration date.

It is not recommended to buy it if it is not developed, otherwise the matter of forced demolition now will fall on your head in a few years. I can't get a penny yet.

3. Renting a house is free, and you can change places at any time, which is suitable for young people. Very affordable in terms of economy. The disadvantage is that the autonomy is poor, once the homeowner uses the house, even if you pay 2 times the liquidated damages, it is troublesome.

It depends on what city you are in, if there is no bubble in the city's housing prices, it is still recommended to buy a house and live and work in peace and contentment, and, judging from the current rate of inflation, housing prices will definitely not fall. As for buying land, it also depends on the region, some areas have more generous compensation for land demolition, while some places have very little compensation, which is best to understand the local policy first. In fact, buying a house is the same financial management method as buying land, but one is real estate and the other is real estate.

Renting is a temporary measure after all.

Theoretically, renting is not a long-term solution, as rent is generally paid on a monthly basis, while the landlord has ownership of the property and has the right to increase the rent at any time, or choose not to renew the lease when it expires. Therefore, if you don't own a property or don't want to buy a home, this long-term rental method may cause you financial burden and inconvenience.

However, renting may also be a better option in some cases in Biyan, such as:

1.Short-term residence. If you need to work, study or travel for a period of time in a certain city, a long-term rental may be a more suitable option, more flexible and convenient than buying a home.

2.Economic conditions. In some cities, buying a property can be quite an expensive investment. And if your financial situation is not very good or you prefer to spend money on other things, renting for a long time may be a better fit for your financial situation.

3.Lifestyle. For some, buying a home means taking on more responsibilities and obligations with money. If you don't like tedious chores and maintenance, or if you want to enjoy life more freely, you may choose to rent for a long time.

In general, there are advantages and disadvantages to renting or buying a house, and the specific choice should be considered according to the individual's situation and needs. If you can afford to buy a home and the financial situation allows, then it may be a better option; And if you need a flexible and relaxed living environment with affordable rent, then renting for a long time may also be a good option.