How about having 200,000 yuan to buy a house?

Having spare money to buy a house is a very good investment, because it will not only appreciate in value, but also make money profitable. It's a good investment, better than putting it in the bank.

If you want to buy a house, it depends on where you bought it, if it is Beijing, Shanghai, Guangzhou and the surrounding areas, then it will definitely not work, but if it is an ordinary second, third and fourth-tier city, you can make a down payment. Of course, this is not financial management. <>

Real estate investment is an eternal topic, and in terms of the current Chinese market, investing in real estate is certainly very valuable, but it depends on which city you are in and which location you have to consider.

200,000 to buy a house, you are really kidding!

200,000 may only be enough or even not enough to pay a down payment, because the current housing prices are too high, and it is difficult for ordinary people to support it, so it will be better to pay a down payment and then take out a loan to buy a house.

I think it's good, owning a house is equivalent to owning a home, it's even better if you have spare money, buying a house without a burden should be something everyone wants to do, and owning your own house will be very happy.

The idea is good, which can make the house appreciate in value and maximize the benefits. If you have this kind of idea, you can try it, because only after trying it will you know if it is suitable or not.

It is a very good choice, and I think it is very necessary to buy a house and give ourselves a sense of belonging, so that we can be more confident in our work and face all difficulties.

It is possible to buy a house for 200,000 yuan, but it depends on whether you need this house to live in, and if not, whether the rental market is stable enough to consider.

No matter what time it is, a house represents a home. Since ancient times, why clothing, food, housing and transportation have been the places where the most money is spent, of course, there is a reason. Therefore, if the landlord has 200,000 spare money, should he buy a house?

The answer, of course, is yes. Why?

First of all, although 200,000 spare money is too little for a down payment in a big city, the landlord can choose a slightly more remote area of the big city to buy a house. If you can reach the city center in 1 hour by car or bus, you can actually buy such a house.

For example, I work in Guangzhou, but I live in Shiji Town, Panyu District, which is much more remote than Shiqiao, Panyu District, but with Line 4, it is very easy for me to get out of Guangzhou in 1 hour. The house price on our side is about 15,000, and a down payment of 200,000 is enough to buy a small house. Even in remote areas, such as Nansha, many people now buy houses to live in and then take the subway out of Guangzhou.

Therefore, although it is important to have more money, how to choose is more important.

Secondly, if you buy a house, you can also rent it. Although the landlord has to repay the loan every month, if you can rent it out, you can also reduce your burden. Many of my friends just buy a house, then collect the rent, and then use the money to repay the mortgage on the house they live in.

The quality of life has not actually decreased much. To put it simply, wouldn't it be nice to have someone to help you repay your loan?

Finally, it's also about adding chips to yourself. For unmarried people, having a house before marriage is undoubtedly a plus. For married people, it can also provide some more items for their children to maintain their value in the future.

In recent years, the economy has been particularly unstable, coupled with the epidemic in 2020, the economic development has regressed, in order to live a more comfortable life, it is recommended to leave a little more activity funds around you, which plays a certain role in coping with special situations. It's also not good for physical and mental health.

In short, when buying a house, you must make a comprehensive analysis, don't follow the trend and compare, you and your family's economic situation, you know best, people! It is good to have goals, but the goals should also be realistic, such as the house wants to buy, but also want to buy a big villa, live in a spacious and comfortable house, how comfortable, but our economy, career, family, children's education and other problems still need us to solve, people are alive to buy a house is just one of the major things, many other things are more important than buying a house, such as children's education, filial piety to parents and other issues, are more important than buying a house.

I think if you get married and have children, you can buy a house, if you 200,000 you may only be able to make a down payment, and you will have to pay off the mortgage in the future, you have to think about it carefully.

You shouldn't buy a house, because 200,000 can't afford to buy a house, so it's recommended to buy **.

If the user has a deposit of 200,000 yuan and wants to obtain deposit income through fixed deposits, there is actually a very good way to divide the deposit into 4 equal parts, deposit once every 3 months, and the term of each deposit is not only to obtain the income of the deposit, but also to ensure the liquidity of the deposit, the use of the deposit and the income are correct; Another way is to choose a fixed deposit with a longer maturity.

1. Divide the 200,000 deposit into 4 parts, deposit one every 3 months, and choose the same deposit term for each copy, so that you can enjoy the income and liquidity of the deposit.

1) Many people often face the choice of liquidity and income when choosing bank deposits, if you want to get a higher return, you have to sacrifice the liquidity of funds, and if you want to get the liquidity of funds, you have to sacrifice the income of funds, and it is very difficult to have both.

2) Through the reasonable distribution of funds, there is still a way to obtain the liquidity of funds at the same time but also to obtain the income of funds, users can distribute the funds equally, manage a single one as an investment fund, and use the deposit term of the bank deposit to effectively allocate each fund.

3) After the 200,000 yuan of funds are evenly distributed, each fund is 50,000 yuan, and on the first day of investment, one of the 50,000 yuan will be saved for one year, and the second 50,000 yuan will be saved for one year after 3 months, and the last 50,000 yuan will be saved for one year in the 10th month. In the 12th month, the user's first fixed deposit of 50,000 yuan will expire, and the user can get the principal of 50,000 yuan and a one-year fixed interest.

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It is advisable to buy a house.

Buyers generally have regional preferences, east, west, north, south, middle, Hankou, Wuchang, Hanyang ......The second question that buyers need to think about is this: Where do they want to put their home? When buying a home, most people consider the transportation between the property and their and their spouse's workplace, including the public transportation system, road conditions, and the length of the journey.

However, it is worth reminding that buying a house is a long-term behavior, and there should be ample room for job changes due to the consideration of traffic conditions before buying a house. When buying a house in the suburbs, you should also pay attention to the traffic between the property and the city, which must be experienced by anyone who has been stuck in traffic for a long time.

Buying a house: The first step: start preparing to buy a house.

To buy a house, you must first estimate your actual purchasing power according to your financial strength and repayment ability, and determine the location, area, floor, and orientation of the house according to the needs of work and life.

The second link: selection**.

This link is a continuation of the preparation, which can be checked from the newspaper, TV, the Internet or the relevant real estate**, and the buyer needs to combine the advantages of the three**. Comprehensive and detailed examination of ** information.

The third link: on-the-spot viewing Choosing a house is a highly technical job. Before choosing a house, you should have an understanding of the basic knowledge of floor area ratio, greening rate, common area, and house type.

If you buy an existing house, you can intuitively see the structure and type of the house, but if it is an off-plan house, you can only use the floor plan as the basis for selecting the house. At this time, buyers must learn to read the floor plan.

Generally speaking, when choosing a house, you should consider whether to buy a house from six aspects. The six aspects include: location, **, surrounding municipal planning, environmental support, housing structure and orientation, and property management.

The fourth link: negotiate and sign the sales contract.

Once the target is determined, the negotiation stage is entered into substantive contact with the seller. The negotiation and signing of the sales contract is the most important part of the process of buying a house, and the buyer and seller must put their rights and obligations into words, especially the key terms related to the size of the house, the payment method, the property condition and so on.

The fifth link: apply for a loan.

Second-hand houses can be applied for commercial loans. According to your own financial resources and the various conditions of the house you purchase, you will consider the amount and duration of the loan. The intermediary company will assist in handling the loan procedures in accordance with the relevant regulations of the bank.

The sixth link: handle the transfer of property rights.

The original seller's name is to be changed to the new buyer's name. Under the guidance of the intermediary company, all relevant materials should be prepared, and then the warrant officer will assist in the transfer of property rights.

The seventh link: house inspection and check-in.

The water, electricity, gas, cable TV fees, heating fees, property fees and other expenses of the purchased house must be settled for inspection, and the buyer and seller and the intermediary company must sign the property delivery form for filing.

Hello, I would like to express the views of everyone who has come from. Because for me, there is no right or wrong answer.