How big is the difference between buying a house and not buying a house?

There is a big difference, buying a house has the pressure of buying a house, a monthly mortgage, and a stable job is needed to meet it. Having a house is helpful for children to choose a school. Although there is no mortgage pressure without a house, many conditions are also restricted.

The difference between buying a house and not buying a house is not big, there is no need to work so hard for a suite, after all, the house is very expensive now, some people can buy a house for a lifetime, for such a person, buying a house brings him a lot of pressure, and relatively speaking, if you rent a house to live, you can make you have the same sense of happiness, as long as you can afford to pay the rent every month, and then you don't have to bear such a high loan, the mortgage does not have to overwhelm you, so if you don't buy a house, It will make your life easier, and buying a house will make you look beautiful on the surface, but in fact, the loan will also make you feel unbreathing, painful, if you have the conditions to buy a house in full, the difference between letting go of buying a house and not buying a house is big, indicating that you have fixed assets and have the ability, and there is no house without the ability to perform, and there is a house to leave to your offspring, children and grandchildren can make money, and you don't have this ability, don't think about leaving the house to future generations, just live in the present and live every day, It's going to be a lot of fun, too.

The difference between buying a house and not buying a house depends on the individual's circumstances.

Although it is stressful to buy a house, you have your own home, your own house, and at least have a goal to strive for.

There is little pressure not to buy a house, there is no loan pressure, but I always feel that there is no root, and I go to **yes** and live in someone else's place.

The difference between buying a house and not buying a house is still very big, if you buy a house and feel that this is your own home, there will be many decorations that will be better, after all, you will live here for a long time in the future, which is also a fixed asset, and if you don't buy a house, it is someone else's house to rent a house, and there are many things that will not be designed so reasonably, so the gap between them is still very large.

In the long run, it is healthier to have a house in the rural suburbs of your hometown, which is better, because the first air is convenient, you have your own small yard, and you can build a small villa and a small western-style house with two or three floors. The flowers and plants I like, such as last year's epidemic, proved that it is still good to be in the countryside, there are vegetables in my own field, I don't panic, and the air is good and safe. The countryside is suitable for life, and the city is suitable for earning money.

First of all, in the next 10 years, people who buy houses will definitely live a poor life in order to repay the bank money, which is what we call house slaves. What about people who haven't bought a house? In the next 10 years, you don't have to worry about saving for a down payment to pay off the loan, but you will worry about renting a house.

This society is very realistic, people who have a house can collect rent from others, and people who don't have a house can only wait for the landlord to collect your rent. With the regulation of various policies, although the house price has fallen, but the value of the house is far more than the value when buying the house, if you want to obtain financial freedom, you must have a strong asset thinking, and create an asset package that belongs to your own right by continuously purchasing high-quality real estate of land and property. A good house is the best wealth stabilizer, transformer, and risk storage pool, which can not only shelter from the wind and rain to have a home, but also maintain and increase its value and protect its wealth.

The economic pressure will be great, and those who have not bought a house are always renting, but the quality of life will definitely be very good, the gap between buying a house and not buying a house is that one has their own home, but the economic pressure will be great, and those who have not bought a house are always renting, but the quality of life will definitely be very good. The economic pressure will be great, and those who have not bought a house are always renting, but the quality of life will definitely be very good, the gap between buying a house and not buying a house is that one has their own home, but the economic pressure will be great, and those who have not bought a house are always renting, but the quality of life will definitely be very good.

If you buy a house, you don't have to pay rent, and you also have your own fixed assets, although the repayment pressure is a bit high, but you can also save money for yourself.

So if you don't have a house, as long as the economic conditions allow, buying a house is still the best choice.

The gap between buying a house and not buying a house is very large, first of all, you buy a house, have a place to live, have a home of your own in an unfamiliar city, and it is also convenient for children to go to school. The only downside is the stress of paying off the mortgage. If you want to buy a house, you may have a little more money in your hands and a little extra money, but in an unfamiliar city, you don't have a house, and you have to rent a house to live, so your children can't go to school.

The biggest difference between the two is that people who buy a house have a fixed place to live, and they have a safe harbor for themselves, and if they don't buy a house, they have no fixed place to live, and they don't have any sense of security for themselves.

Wage increases can never keep pace with house prices. For ordinary office workers, in the face of high housing prices, and then looking at the balance of the bank card, I don't know whether to buy a house or not?

Let's take a look today, how big will the gap be between buying a house and not buying a house in 10 years?

Buying a house. If you buy a house in a small city with a total price of 500,000 yuan: a down payment of 200,000 yuan provident fund loan 300,000 yuan for 20 years, the monthly payment is 1963, and after 10 years, you choose to pay off the remaining 200,000 yuan loan at one time, and the house belongs to you.

Then the monthly payment for ten years is about 10,000.

Rent. If you rent this house: according to the 3% rate of return of domestic housing, the monthly rent of a house of 500,000 yuan is 1,250 yuan.

As the National Bureau of Statistics announced the 1975-2011 CPI aggregate is doubled, the annual average. According to the annual rent increase of 6%, the rent for 10 years: 15,000 yuan in the first year and 15,900 yuan in the second year.

25342 in the tenth year, then the total rent of the renter for 10 years is about 200,000.

If you use the money you save to manage your money in a bank deposit method, which is currently one of the lower yields:

a. The down payment of 200,000 yuan is calculated at an annual rate of return of 5% by the depository bank, which is about 20*, about 10,000 yuan.

b. Save the monthly payment of 1,963 yuan deposited in the bank according to the annual rate of return of 5%, and the interest is rolled, and the principal is about 310,000.

c. Saved 200,000 yuan that should have been repaid at one time after 10 years.

Now, there are 3 assumptions:

1. In the next ten years, the house appreciation rate is consistent with the CPI and the annual calculation of 6% (very ideal), and the market value of the house will be 50*10,000 yuan in ten years. Then the wealth of the buyer is 10,000. Renter's wealth = 10,000. Or is it more cost-effective to buy a house.

2. In the next ten years, the value of the house will increase by 4 times, and the market value of the house will be 2 million. Then the wealth of the buyer is more than 3 times that of the renter.

3. If the growth rate is less than 26% in the next ten years, the average annual increase, or **, the renter wins.

But in terms of wealth, as long as the house increases with the CPI value, it is worth buying a house, in reality, housing prices often outperform CPI, outperform bank deposits, in the past 10 years, housing prices in large, medium and small cities across the country have risen 3-10 times, what about the next 10 years?

The difference between buying a house and not buying a house is whether there is a sense of security and whether there is a financial burden, that is to say, after you buy a house, you feel more settled in the cityAnd if you know that you don't have any accidents, the main time of your life may be in this city. <>

After buying a house, you will have a sense of security, and you will have the courage to fall in love with your other half and continue to persevere, because when you gradually enter the society, after having a job, what you have to consider is the problem of buying a house, you can't let your other half rent a house with you every day, since you want to get married, it is not simply a problem between you and your other half, you have to pass the other party's parents, no one wants their daughter to marry a man who doesn't even have a basic down payment for a houseWhat do you give each other happiness, this is a very real question. <>

But buying a house will leave you in debt, because there are few young people, at the age of 25 to 30, who can buy a house in full with their own ability, very little, can not say that there is no at all, can only say very little, he himself can have a deposit of 500,000 yuan at the age of 30, it is already quite remarkable, this is a net deposit of 500,000 yuan, not his income, the money saved over the years, even if he graduated from college at the age of 22 and saved so much money in 8 years, he has to save at least 60,000 yuan to 70,000 yuan a year, The annual income should be at least 100,000 yuan, which is really not all young people can achieve this income. <>

Since you can't do this income, it means that you are in debt, because in an ordinary second-tier city, and some new first-tier cities, we don't count the house too expensive, just buy a cheaper 1.5 million for 15,000, and your parents can solve the problem of the down payment and give you 500,000, and the remaining 1 million you repay in 20 years plus interestBasically, the amount you have to repay every month should be about 8,000 yuan, which means that your monthly income should reach at least 10,000 yuan or more.

The difference between buying a house and not buying a house is that the savings have been decreasing, and the children's education and housing problems have not been solved. If you buy a house, it is not only an investment, but also a guarantee for your children and life.

The difference between buying a house and not buying a house is very large, if you buy a house, you at least have a home no matter how difficult it is outside, at least you can go home with peace of mind, if you don't buy a house, you have to worry about the rent rising, and whether the landlord will rent you a house again.

From the point of view of economic pressures alone, the gap is very large. Nowadays, you generally have to take out a loan to buy a house, and you must repay your salary every month, which is more stressful. If you don't buy a house, you don't need to pay this part of the money, and you can use it for other consumption.

The gap is still very large, it is not obvious at first, and it will be found after a few years, especially when you have children after marriage and need to settle down, having your own house is like having a reassuring pill.

After buying a house, the difference between not buying a house is really very big, buying a house means that you have a place to live and a home, if you don't buy a house, you don't have a sense of belonging.

The gap is really big, although the buyer will repay the mortgage, but after 10 years, it seems that the person who bought the house has his own assets, and the person who does not buy the house is still the same as before.

The difference will be very big, because buying a house in our country is a very traditional thing, and it is difficult for a man to find a partner if he does not buy a house.

I don't think there's much difference between buying a house and not buying a house, it's just my own heart, and it's good that the money from not buying a house can be used for investment.

It varies from person to person, but three of the six girls I had a good relationship with were married, so let me tell you about them when they got married. Ten years ago, maybe there was a stupid girl who married a poor boy who didn't have a house, it was for love!!

Now the hard indicator of marriage is to have a house, why is there this standard, why was there no before? There used to be standards too, and the previous standard was to have a formal job. How has the current standard changed, because the current house is too expensive, no matter how high the salary is, it is not worth mentioning in front of the housing price, what does it mean to not have a house?

It means that other girls have to sacrifice the pursuit of a better life, do a good job of renting a life to make a living, and the wandering without a fixed place may not dare to raise children. I'll just ask you, are you a girl, would you like to? After all, there is not so much scheming when you fall in love, and it will be different when you talk about marriage, even if you don't have a good life in the future, you have a house, you can attack and retreat, you can defend it, at least there is a place to rest!

The first is a chubby girl, here is referred to as Xiaohong, Xiaohong and his husband are junior high school classmates, the two have been talking for 6 years, living together for 4 years, just got married last year, when they got married, there was a car bought with a loan, there is no house in the city, the two have been renting a house, this year's party she told us that she bought a house, took out the bride price money, and the parents-in-law also added money, and joked that they had just freed themselves from the title of car slave, and brought the label of house slave.

The second classmate is referred to as Xiao Zhang here, is a girl, and her husband was also married last year, when she got married, she had a loan house in the city, there was a scooter, she had to repay the mortgage of less than 2,000 per month, and her life was also stammering, and she often complained to me that she was poor and died, and felt that others were better off than her, and I sometimes comforted her and said, joking with her, I have a good life as a single dog, one person is full, the whole family is not hungry, do you want to be like me, and then we looked at each other and smirked for a while.

When you get married, there is a big difference between having a house and not having a house, and the pressure of life after having a house is a little less, after all, life is firewood, rice, oil, salt, sauce and vinegar. There is also a saying that poor couples mourn everything. If the person you love doesn't have a house, but you are sincere and capable, the future will not be worse than others.

There must be a difference, if you get married and buy a house, you will have a fixed residence, and you can live in it after you get married, if you don't buy a house after marriage, you may have to rent a house, which is not good. Also, if you buy a house before you get married, you won't have to work hard after you get married, but if you don't buy a house after marriage, your married life may be very stressful.