Why do many people save a lot of money but don t buy a house?

In today's society, many people will think about buying a suite after saving money. After all, this will allow you to have a more stable job, and even the happiness index of life will be higher, and it will be more convenient for children to go to school, etc., so the word house is used as a synonym for rigid needs. However, not everyone wants to buy a house in an unfamiliar city, after all, after the price of housing is too high, many people may not be able to afford a high down payment even if they want to buy.

For wealthy people, buying a house is for investment, not just need. Most people own a house or even several houses, during a period when housing prices are highThere is no rigid demand, and many people don't have the idea of buying multiple suites more than ten years ago, and they basically live with their pockets covered. After all, the real industry is not in a recession now, and the funds are getting less and less, so you can save it.

At this time, deposits, **, ** and other financial management methods are also favored, resulting in money temporarily do not invest in houses, do not buy houses, this is one of the reasons.

Take second-tier cities as an example, the housing prices in ordinary areas are in the tens of thousands per square meter. If a house is calculated according to 100 square meters, then it will take 1.5 million yuan to buy, plus other decoration costs, it has basically reached about 1.8 million yuan. This is just the average location and location, if it is a better location and location, then the price of the house is even more frighteningIt even takes "six wallets" to buy a house, so although many people save money, they can't afford to buy a house even if they save money, which is why many people don't buy a house.

For many people, with the continuous increase in domestic housing prices, the house no longer has investment value, only speculative value. For example, housing prices in Shanghai are basically 6 million to 7 million unitsBut the rent of the house is only 8,000 yuan a month, and the maximum is 100,000 yuan a year, which requires the buyer to buy the house for at least 60-70 years to recover the investment. The income from renting a house is not as good as a bank deposit.

In this case, buying a house can only be profitable if the house price rises sharply, and the possibility of a big rise in house prices in the future is very slim, so more and more people are buying houses more calmly.

So, many people save money and don't buy a house, so where do they want to spend this money? We believe that there are two main ways: on the one hand, saving money is to spend.

Many people save their money and can redecorate their old house as if it were new. For example, if you can't afford to buy a house, you have to save money to buy a car. Therefore, people use the money from buying houses to spend elsewhere.

In fact, although the quality of life of the majority of Chinese people has improved considerably, their per capita savings and disposable income are not high. So, it's a handful of wealthy families that are really rich. Of course, there are many people who feel that real estate is too risky and has poor liquidity, and it is safer to invest in other financial products with a good rate of return.

The high housing prices have indeed become an objective reason for many people to save money and not buy a house, but the main reason is that they already have a house in their name, or even more than one house, and there is no need to continue to invest in real estate in such an objective backgroundAfter all, there is indeed a lot of risk in buying a house according to the current house price, if you consider it from this perspective, it is not difficult to understand why you will save a lot of money and not buy a house, after all, the safety factor of money in the bank is the highest.

Real estate investment in the past for a long time is indeed almost crazy, but now housing prices around the country have been in a straight line of soaring height, even the third and fourth tier cities housing prices have reached the standard of 10,000 yuan, in the face of such a cruel reality if there is no wise mind and clear vision, I believe that the courage and confidence to invest in real estate will also disappear, but the premise is that there is a house in the name will choose to save money and not buy a house.

For the future trend of housing prices, I believe that the general public does not have a clear direction, has bought a house and naturally hopes to continue to rise, but those who have not bought a house hope to have a certain degree of decline, and some cities have experienced a decline in individual real estate is an indisputable fact, I believePeople who save money and don't buy a house are likely to be influenced by these factors to avoid continuing to invest in property from a safety perspective, and there are many people who think this way.

In general, housing is still a rigid demand of the people, but only for those who do not have a houseIf you have more than one house in your name, I believe that most people will choose to save money or invest in financial products with relatively high returns and securityThis is also the unified perception of the general public, after all, it is an indisputable fact that there is a lack of resilience and self-help ability in the face of risks, and an effective measure to avoid losses is prudent investment.

Except for a few rich people who are not afraid of death or are interested in flipping houses, most of them already have houses or even have two or three or more houses.

Tell you why money would rather be in the bank than buy a house? Because the family is the same as the enterprise, the need for cash flow, the need for asset allocation, I demolished and repurchased more than ten years ago, and bought a commercial house, no loan, a total of six sets, now has sold a set, ready to sell two more sets, now a deposit of 300 yuan, 200,000 business **, usually work, I personally feel that at the age of fifty should live a quality and high-quality life, rather than smashing money on the house to live a garbage life.

Because many people think that the price of the house may be reduced in the future, or that such a commodity cannot maintain its value, and people now prefer to use it for investment and financial management.

Housing prices are already in a higher position, no one can ** in the future, and the state has been vigorously regulating, maybe one day housing prices will fall. Therefore, for risk-averse people, on the premise of already owning their own homes, it is natural that they do not buy a house with their savings.

Because it is difficult to cash out the house, according to the current housing prices, the house can no longer be bought, so the fool will take over!

Because for them, a house is not a rigid need.

The ** of the current house, if you don't live in yourself, the rent for rent is not cost-effective. I haven't rented it for a few years, and the house decoration appliances and furniture have been made bad by the tenants, and the rent is not enough to renovate the money. If you expect to make money by investing in house prices, 1 is risky, whether house prices are rising or falling, and the increase is not worth it.

2. The period of making money by investing in real estate is relatively long, and during this period, the family's funds are in the real estate, and the family's ability to bear risks becomes weaker. 3. Now that housing prices are high, it will be more difficult to sell a house than before, after all, the down payment and monthly payment are very stressful. Affordable people are getting less and less liquid and less liquid as house prices become less and less.

4. If the house cannot be sold, the money to buy the house will change from living money to dead money, and no matter how high the house price rises, it will be a cake.

If you don't have enough money to buy it, you won't have any money when you buy a house, and you have a lot of worries.

Saving money is to buy a house, whether the house is an asset or a liability, I believe that people who save money and don't buy a house understand better than you! People who bought a house early on are looking for ways to cash in! Because now is the hard currency, survival and illness are inseparable from it, it is the payment condition for human survival, not the pile of reinforced concrete!

Because the money is not enough, what else can I do, who wants to rent a house unless I am single, I want to buy a house, and the family lives in a stable place.

The main thing is that I can't afford it, so I can only have a second child!

People are becoming more and more savvy, the economic downturn is a foregone conclusion, and the income of just need is declining, and now it is most important to survive, and the house is not particularly important.

I don't buy a house because I have a place to live.

There are 2 sets of houses, and the money in hand is still deposited in the bank, and the current housing prices are too high, at least two million for one set. People like us who are 40 and 5 don't sell houses. When you are older, you still owe money to the bank. It's hard to get old.

Fake big empty house prices! People are a group of highly intelligent people!

I just saved a lot of money but didn't buy a house, why, because I still don't have enough money.

Nearly 50 years old, ready to buy a house near his son's home, and in the future, he will be close to his son, and he will take care of it, but the house price is about 80,000 per square meter, and it takes a lot of money to buy 90 square meters, because he has no provident fund, so there is no loan (commercial loans are not cost-effective, after all, he is not in a hurry for the time being, continue to work hard to make money and save money).

I guess people who are afraid of going hungry, or going home to build a house.

Because after ten or twenty years, there are fewer people, and many houses are not official and empty.

Two million people in Wuhan can't buy a three-bedroom house, and three or four million can only be improved. This ** salary of six purses is not enough.

Because now the house has no investment value, it is saying that you can do a lot of things if you have money!

Because some of them lived, they couldn't sell second-hand if they bought too much.

Because more houses are burdens, it is enough to have a small home.

Can't afford it, don't want to make a down payment, and spend ahead of time It's stressful.

Really smart people don't spend a lot of money on a pile of worthless concrete rotten steel bars.

The surrounding classmates, friends and relatives basically have more than 2 suites, except for those from other places, but their hometown also has 1 2 sets, so the future surplus of houses is certain.

I think it's okay to do what you can and don't have the money to buy a small house to live in, so save more money and feel at ease!

Because the house can't be sold.

Introduction: In recent years, with the development of society and the improvement of living standards, more and more people have the awareness of saving money, however, many people find that they can't save money. Why are modern people less and less able to save? Let's explore the reasons behind this.

Text: First, the cost of living is rising.

Nowadays, as prices continue to rise, the cost of living is also closely linked. Spending on housing prices, education, health care, and more is on the rise, making it difficult for people to meet their daily expenses, let alone save money. This makes it a common phenomenon for modern people to not be able to save money.

Second, the change of consumption concept.

Compared with the past, modern people's consumption concept has changed a lot. In the past, people focused on saving and were good at keeping their families, but now people are more focused on enjoyment and fashion. Buying all kinds of luxury goods, traveling and vacationing, high-end food and other consumption methods have become the pursuit of modern people, which has virtually increased people's expenditure, resulting in saving money has become a difficult task.

3. Heavily indebted.

Modern people generally have the problem of indebtedness, such as housing loans, car loans, credit card debts, etc. These liabilities not only increase people's stress, but they also make monthly expenses even larger, and they don't have enough spare money to save. At the same time, high interest rates can make it more difficult to save money.

Fourth, income does not increase but decreases.

Despite the progress of society, many people's incomes have not increased with it. Problems such as unstable wages and bottlenecks in career development have made people's income growth sluggish. In the face of the increase in various expenses in life, the income does not increase but decreases, making it more difficult for modern people to save money.

Conclusion: The problem of modern people's inability to save money is a complex social phenomenon, which is inseparable from factors such as the rising cost of living, the change of consumption concepts, the accumulation of debts, and the decrease of income. In the face of these problems, we need to plan our finances more rationally, arrange our expenses wisely, and increase our income as much as possible**.

Only in this way can we find a way out of the dilemma.

First of all, why do we keep our money in the bank ourselves?

At present, the interest on deposits is less than 3%, the term is 1 year, the term is 2 years, and the term is 3 years, except for some large deposits and government bonds, the interest can be close to about 4%, and it is difficult for other deposits to exceed 3%, why are most people still willing to deposit money in the bank? It is nothing more than to ensure the safety of funds.

Because many middle-aged and elderly people, if they take money to do some high-risk investments in foreign exchange, they are very worried about the safety of funds.

Depositing money in the bank is nothing more than trying to have peace of mind for yourself, and in addition to having an interest income, you can also ensure the safety of funds, and ordinary people dare not invest lavishly.

In fact, there are many ways to stimulate the economy, why do some people have money and are not willing to take it out to invest or spend?

First, most people's income is not very high, as of the end of 2021, the per capita disposable income of our country is only 10,000, many people are tired and tired, no matter how they work, the money he earns a year may be tens of thousands of yuan, if his savings can be saved to more than 500,000, it is really a lifetime of hard work, and in this life, he is reluctant to take the bus, reluctant to drive a car, reluctant to live in those high-rise buildings. Just to let yourself have a guarantee when you are old.

Now there are many people who work in factories, and they get a salary income of about a few thousand yuan every month, and for them, the deposit is more than 500,000 yuan, which is really a lot of money.

The second point is that high consumption, such as Wang Shouting, housing loans, car loans, has made many people very stressed, ** dare to spend lavishly, can buy discounted goods, absolutely do not buy regular-priced goods, just to save money, because Shouxiang family of several people, all need money to maintain daily life, at this time, dare not invest in consumption.

If I am a person with an annual salary of millions of yuan, I am willing to spend 500,000 yuan a year, and I am willing to invest the remaining 500,000 yuan, but my annual salary is 100,000 yuan, and I still have to bear the mortgage and car loan.

The key to stimulating economic growth is to increase jobs, increase the disposable income of most people, and reduce the burden of housing and car loans.