What is it like to be unable to afford a house?

It's very sad that I can't afford to buy a house when I need it most, and I see others living in a house, and I and my parents are suffering, and I feel that I am particularly useless at that time, but it doesn't matter, after my own efforts, everything will be there.

Nowadays, many young people can't afford to buy a house, in fact, it is not important to not be able to buy a house, the important thing is that you have a self-motivated heart, as long as you work hard to improve yourself, I believe you will always buy a house in the future.

I'm going to be more anxious, after all, I can't afford to buy a house, and I don't dare to propose, and it's really difficult to give each other happiness if I don't have anything now.

Why do you want to buy a house, I don't want to live in a house when I'm about to have a taste.

It's a lot of pressure, everyone is working hard, but I just can't afford it, so I've done my best.

Not being able to afford a house is a very sad experience, and at the same time, I am very envious of people who can own their own house in a big city.

When you see that your peers have cars and houses and start to get married and have children, it is false to say that you are not in a hurry, but no matter how anxious you are, you have to be down-to-earth and work hard, and there will definitely be that day.

In this era of rapid material foundation, it is very difficult to buy a house in the city, and it is very expensive, and many people cannot afford to buy a house, they are all struggling for it, but they are also very tired.

It is disgusted by others, especially the woman's parents, who can't get married without a house, which is very uncomfortable, and it is useless to work hard.

I feel like I'm very incompetent. Seeing someone else's mansion and not even having a thatched house, I feel unbalanced and even inferior. When gathering with friends, I don't dare to mention your home, and I don't dare to bring friends to your house. Fear of losing face.

I've been working hard, but I can't afford to buy a house, I'm under a lot of pressure, I can't afford a house, I can't find a wife, and I will be very envious when I watch other people buy a house.

When I go out to dinner with friends and other relatives, I feel embarrassed when I hear others talk about this problem, and I feel that I am not financially able to afford a house, and I still feel that I have no face, and my self-esteem is hit.

1；Some people say that renting a house lacks a sense of stability, and that you can't decorate it according to your own wishes when you move away; Some people say that renting a house does not allow you to enjoy the rights related to school districts and settlement; Others say that if you don't buy a house, you won't be able to get a once-in-a-lifetime preferential loan. These are indeed reasons to buy a house. However, if the amount of money we need to buy a house is large and the return on investment in other types of assets far exceeds that of real estate, then none of the above reasons are sufficient to justify the financial benefits.

2；For example, assuming that Xiao Ming can take out 10 million, there are two options: plan 1 is to buy Fang Xun bend Yuanchang A for self-occupation, and the annualized rate of return of the house is expected to be 7%, of which the rental rate of return is 1%; Option 2 is to allocate ** simultaneous rental housing sub A, which is expected to have an annualized yield of 10%, of which the dividend yield is 2% (sufficient to cover rental expenses). According to plan 1, Xiao Ming's assets will be 17.91 million after ten years; According to plan 2, Xiao Ming's assets will be 23.93 million after ten years.

With such a gap, I believe that most people would choose to rent rather than buy. As time goes on, the gap will only widen.

3；One of the benefits of buying a home is that you can get a preferential loan. Now assuming that Xiao Ming can take out 5 million, there are two options: plan 1 is to use his own funds and loans totaling 10 million to buy house A for self-occupation, of which the loan is 5 million for a term of 30 years, with an annual interest rate of 4%, and equal principal and interest repayment; Option 2 is to use 5 million to buy ** and rent housing at the same time.

According to plan 1, Xiao Ming's assets will be 13.97 million after ten years; According to plan 2, Xiao Ming's assets will be 15.53 million after ten years. Option 2 is more profitable, has better cash flow, and is still better at renting without leverage.

4；In fact, many families don't just buy a home for security. The investment in buying a house is large and leverage is usually used, and the impact of volatility on household wealth is very significant. Over the past many years, house prices have risen considerably.

For many people, worrying that house prices will continue to be fast**, and not buying a house will lead to the depreciation of their asset purchasing power or lag behind others, this anxiety is actually the real reason to buy a house hidden under the cloak of rigid demand. In other words, many people buy houses for asset appreciation.

6；Since the purpose is to add value, it is necessary to describe the probability distribution of future cash flows, evaluate the expected utility, and compare the various types of assets to determine the optimal allocation scheme. The investment income of the property is mainly derived from the rent and price difference. When it comes to investment returns, value evaluation is a link that cannot be ignored.

It is an indisputable fact that buying a house tends to "spend all its money on the rent" and empty the "six wallets", but it is also helpless about the importance of the house to life. In fact, buying a house still depends on your own needs, if you need it, then it is worth spending more money, if you don't need it, then spending more money is a waste. Therefore, it depends on the purpose of buying a house, if it is a demand for living, then it is also appropriate to buy a house and work hard, but if it is a demand for speculation, then it is really the effect of slowing down the demolition is the final effect of stealing chickens and rice.

The importance of the house to the residents is also due to history, not a simple result, the idea caused by history is the reason for the popularity of real estate, coupled with the uneven distribution of current social resources, which also brings about the difference in housing prices in different regions, so buying a house is still determined because of the difference in personal needs. In the current property market environment, there is nothing wrong with spending everything they have to buy a house. Because the development of housing prices is still upward, the friction has always brought about the depreciation of the currency, and in such a situation, leaving excess money is useless except for emergencies.

And the ability of the house to cope with inflation is still very strong. Therefore, thinking of ways to hold real estate is also a financial need for many people.

Of course, you have to pay to buy a house, because your needs have to be self-satisfied. For some people, the reason for buying a house with everything they have is because of their unrealistic demand for jujube housing. If you want to be big, good, and high, you don't spend more money, who spends more?

Therefore, if you buy a house in line with your own positioning, you must strive for the house price is still rising, and the loan pressure will gradually decrease. If you blindly seek good, it will also bring unnecessary pressure to yourself, but it will be better after the pressure is over. In general, it costs money to buy a house, but this money is often worth the money.

Since the introduction of the new real estate policy, both the real estate company and the head of the household have encountered certain troubles. According to the latest real estate policy, the current domestic commercial housing is calculated from the date of purchase, and only has 70 years of use rights.

To put it simply, it is to spend millions to buy a house with only 70 years of use, and it will be returned to the state after expiration. This situation is not only for commercial housing in the city, but also for the self-built houses in the countryside are customized with the relevant service life, which is also to curb the abnormal soaring of real estate ** auspiciousness.

More than one million is a huge amount of money for an ordinary person, and now he has spent all his savings, and he has to owe a lot of debts to the bank, and he only has 70 years of real estate use time in exchange, so is it really worth buying for contemporary young people? Judging from the data, I believe that most people would rather rent a house than buy a house, but in fact, buying a house has become a must-do.

In today's era, having a house is half the battle, and it will help you in your future marriage and career. In such a situation, the house is almost the ultimate goal of today's young people.

Issues such as children's education, medical care, household registration, etc., after buying a house in the local city, these problems are simplified. The most obvious is education, such as Guangzhou and Hangzhou, there are many foreign workers, who come to the city to work hard just to live a better life, and some of them also bring their children with them, so reading has become a problem.

Although it is said that it is now a nine-year compulsory education, the education policies of various places are different, and many students from other places have to go back to high school when they reach junior high school, because now students from other places are not allowed to go to local cities to take the college entrance examination. If you want to stay in the city and take the college entrance examination, then the house has become an important foundation, followed by various other conditions. Under such a situation, it is no longer a worthwhile question whether to buy a house or not, but it has risen to a matter where the benefits outweigh the disadvantages.

Housing has become a contemporary necessity, you don't buy behind there are still a large number of people waiting, buy and let yourself be burdened with heavy debt, according to the current development of the real estate industry, the demand for housing has been gradually reduced. Whether or not to buy a house is entirely a personal decision, and there are both advantages and disadvantages.