Is it better to buy a house or invest with 3 million?

I think the investment is good, there are three million investments, and now according to the bank's wealth management products, there is generally an annual interest rate of 4%-5%, and you have an income of 120,000 to 150,000 a year for three million. The influence of the environment is greater, so you can also diversify your investment, part of the bank wealth management, part of the Yue Bao (low interest rate), and a small part can invest in good small projects and dividends.

Investment. Three million investment, even if there is a general annual interest rate of 4%-5% according to bank wealth management products, you have a return of 120,000 to 150,000 a year, and it is not suitable for real estate at this stage.

3 million to buy a house is good, buy a house and your future life will be very secure, have a fixed residence, but the investment is more risky, you can use the remaining money to buy a house for investment.

In fact, it is difficult to leave and right, how can there be any suitability, the working class, the people who take the housing provident fund, seem to be closer to the loan, the powerful, 1.8 million is the master of a dime, the full amount is neatly cashed, and it is not difficult to do anything, so it is not difficult to invest in the whole money, but there are two ways to do it, there is nothing suitable or inappropriate, but the way to pay is different.

Depending on the situation, if you are in urgent need of housing, then it is better to buy a house, and if you already have a house to live in, then it is better to invest 3 million in this way.

Whoever sees who has the highest rate of return will vote for whom? If you have a house of three million with a market value of more than 3.3 million, you can sell it After all, some people will be in a hurry to sell the house and turn over Secondly, go to the bank to see the bank wealth management products If there is a higher interest rate, insurance can also be invested After all, the market is now sluggish In the absence of other investment, it is still necessary to be cautious.

If you're good at investing, you can use some of it to invest, but if you're not good at it, you're better off buying a house, because buying a house is at least a fixed asset.

If your life has solved the housing problem and you have a good investment project, choose investment; If you haven't solved the housing problem, it is recommended to buy a house first, from another point of view, buying a house is also a kind of introduction investment, and it also solves the housing problem.

If you don't have a house, buy a house in the city first.

Dear, hello, a monthly income of 2w, can afford a house with a total price of 300w. In fact, many of the investment and financial management returns of Meng Zhaoxiang have exceeded this level. Therefore, the housing provident fund is the first choice for loans, and even if people can repay the loan in advance, they are generally not in a hurry to repay the money after the loan.

After all, money is more tangible in your own hands, and the return on investment may be higher.

Specifically, whether it is better to buy a house or manage money, the most important thing is to see which is higher in the future appreciation space of the house you buy and the income of your financial management.

Let's first take a look at the investment income if you don't buy a house.

If you don't buy a house, but spend 300,000 yuan on buying bank wealth management products, it will be calculated as a simple annualized return of 5%.

Those 300,000 will become 10,000 in 10 years.

In addition to the 300,000 financial income, we also need to consider the opportunity cost of monthly payments if you buy a house.

If 300,000 yuan is used to buy a house as a down payment, according to the proportion of 30% down payment, the total price of the house is 1 million, and the loan is 700,000.

Let's calculate according to the repayment method of 700,000 30-year equal principal and interest, then the amount to be repaid every month is 3,715 yuan, and one year is 44,581 yuan.

If this part of the money is not used for monthly payments, then it can continue to be used for financial management, according to compound interest investment, all monthly payments add up to 10 years of principal plus income is about 10,000.

That is to say, if you don't buy a house, your principal of 300,000 plus monthly payment will be used for investment for ten years, and the total principal plus income will be 10,000 + 10,000 = about 1.09 million.

Let's take a look at the investment income from buying a house.

We take ten years as a node, if you buy a house with a monthly payment of 3,715 yuan, this part will lose the opportunity to earn.

After 10 years, the remaining principal of your mortgage will be about 10,000 yuan.

If you want to buy a house with an investment income greater than the investment income of financial management, the value of your property must reach 109 + 100,000 = 10,000 after ten years.

If you want the house to appreciate to 10,000 yuan, you must ensure that the average annual increase in house prices is more than 10% within ten years.

Therefore, the increase in housing prices has become an important reference for your choice, if the annual increase in housing prices in the next ten years exceeds that, then investing in real estate is more cost-effective than investing in financial management.

So which cities are likely to achieve an average annual increase in housing prices in the future?

The house is 1 million, the appreciation is 10,000, the increase in ten years, the average annual increase, I believe that the net inflow of population above the second tier in the future can definitely be achieved in the city, the reason is nothing more than two, one is that the net inflow of population can bring the demand for housing purchases, and the other is that the current annual inflation rate is about 6%, and the amount of currency issuance is more, do you dare to guarantee that housing prices will not rise?

Therefore, if you buy a house in a second-tier city or above, I recommend that 300,000 yuan give priority to buying a house.

As for the third-tier cities, I suggest that you don't buy a house or use the money for investment and financial management, because I think it will be very difficult for the second-tier cities to maintain an annual growth rate in the next ten years.

It's definitely good to buy a house. Because the appreciation potential of the house is relatively large, and the rate of return on investment and financial management is too low, it is better to buy a house.

I think it's better to buy a house, because investment and financial management need to take a certain risk, and if you use the 300,000 yuan to invest in financial management, you are likely to lose money.

Investment and financial management dedication, if the housing market is good, I suggest that it is better to buy real estate, at least there is an asset, no matter how the house price changes, I think it will not collapse, put it in the house, it will be better.

Everyone learns to manage money and increases their wealth every day.

The house is good in comparison. If you don't want to consider the loss of 3 million cash, the house has the lowest risk of depreciation, and the other two have high returns but the risk is great, and you may lose all your money.

You can invest in a house, because the housing prices in the first-tier cities only rise and do not fall, even if you count the second-hand house, you can double it, and you can live in it yourself.