After 5 years, what will be the difference between a house slave and a person who buys a house in

The quality of life and the value of assets will be very different between the two.

After 5 years, there will be a significant difference in the quality of life between a house slave and a person who buys a house in full. Because people who choose to become house slaves, most of them will buy houses in good areas of big cities, if they have 1 million in their hands is only enough for the down payment of the house, they will have to live the life of house slaves in the next few decades, and the economic pressure is very high, if they don't work hard, they will not be able to pay off the mortgage, and with 1 million in the third and fourth tier towns, they can buy a house in full, and even have savings to live a more relaxed and comfortable life, which is the biggest difference between the two.

After 5 years, the house slave is still continuing to live as a house slave, because it is almost impossible for most people to take out a loan to buy a house and repay the principal and interest within 5 years, but the market value of the property they buy is relatively high, the location is better, the appreciation space is relatively large, and they can resist inflation. The location of the house chosen to buy a house with full payment is relatively remote, most of them are in the third and fourth tier cities, and these places will be seriously affected when the real estate market fluctuates violently.

After 5 years, there is also a clear difference in the asset value between the house slave and the person who buys the house in full, if they are all 1 million when they invest in real estate, some people have made a down payment of 1 million and become a house slave for 5 years and have been continuously repaying the loan for 5 years, while some people buy a house with 1 million in full. After these 5 years, people who buy a house in full will not have a large amount of savings, they will live with less pressure, have a high quality of life, and live easily but the number of assets will not increase significantly.

A person who becomes a house slave after 5 years has a significant increase in assets, because he has been forced to deposit money in 5 years, coupled with the income generated by the appreciation of the house, it will make his assets **20%. This is also the biggest difference between the two kinds of people, although the house slaves live a very hard and tiring life, the economy is tight, but they can increase their assets, and the life of the person who buys the house in full is easy, but the assets increase very little, and the cash that can be saved is not much.

The current real estate market is very uncertain, but for those who just need it, they have to buy a house, some people have more money at home, and they may choose to buy a house in full, but some people can only give a down payment, because the ** of a house is indeed too expensive, and choose to become a house slave, but after 5 years, the person who buys a house in full does not have any pressure, because he has no loan to repay, and those house slaves have become very depressed, because they have to repay the loan on time every month, if the repayment is not timely, It can even lead to problems with personal credit reporting.

There will be a big difference in pressure on both sides. After all, the family conditions of the house slave and the person who bought the house in full are different, and the general family with money will choose to buy a house in full, and there is no need to repay the loan every month, after all, the current loan interest rate is higher, but many young people do not earn much money after graduation, and even some people still take the money to their parents and empty the 6 wallets in the house to pay the down payment, and the pressure of these house slaves is also very great, and they dare not consider resigning at all, and they have worked hard for a year, but they can't save a little money.

After 5 years, the domestic economic situation will continue to decline, and housing prices may continue to **, but the biggest expense of these house slaves is to repay the loan, and they have to bear high interest every month, but the house price is still falling in the days, and the heart will definitely be uncomfortable, but those who buy a house in full are not so anxious, after all, they are paying the full amount, even if the house price continues to fall, it will not affect their mood too much.

After all, the interest on depositing money in the bank is far lower than the loan interest rate, and you can also choose to repay the loan in advance, which may also reduce your own pressure, many times the house price has fallen very badly, and as a result, many people can't even repay the loan, so you must not use high leverage to buy a house, which will add a lot of unnecessary pressure to yourself.

According to my understanding, let me tell you about it:

Advantages and disadvantages of taking out a loan to buy a house

I belong to the loan to buy a house, so I have more ideas and understanding of the problem of buying a house with a loan.

1.Suitable for young people who do not have a deposit.

Lending is to spend tomorrow's money and do today's things. If you ask me to buy a house with more than 1 million, I really can't get the money, but I still want to buy a house, then I have to take out a loan and use my next salary to pay it back.

2.Suitable for young people with urgent needs.

If you are desperate to get married, but do not have a house and do not have enough savings to buy a house, then a loan is also your best option. You can live in it first, and then go to pay off the loan slowly, and the marriage can be completed without any delay.

3.Suitable for those who want to invest in other projects.

Many people can take out the money to buy a house, but they won't take it out, he chooses to take out an installment loan, and then invest his money in more profitable projects, so that this suite is equivalent to what he earns from investment and financial management, without paying a penny of his own.

4.Too much stress.

As soon as the repayment date arrives every month, my hands start to tremble, for fear that the money I earn this month will not be enough to pay off the mortgage. Every day I live under a lot of pressure, for fear that I can't pay the mortgage and the new house will be taken away. This kind of life is very painful and not happy at all.

With an installment loan, you need to pay interest to the bank, which means that you have to spend more money to buy the house. In this way, you are actually not cost-effective, you use 2 times the ** to buy a house, and the extra money is your loss.

Advantages and disadvantages of buying a house in full

Buying a house in full is suitable for people who have a certain financial strength and a certain amount of savings.

1.Not much pressure.

Buying a house in full is generally your own deposit, and you have the strength to buy a house, and your life is hard at most, but there is no pressure to repay, which is very easy, and you don't worry that your new house will be taken away.

2.It can be regarded as investment and financial management.

This house, if you live, of course, you can, if you don't live, you can sell it directly when it is high, in exchange for more benefits, which is equivalent to a kind of investment and financial management.

3.More cost-effective.

4.There is less fixed money in hand.

If you buy a house, you will definitely have a lot less fixed funds in your hands, and you will have less money for investment and financial management.

That's the difference!

The difference is still very big, after all, after 5 years, the house slave and the person who bought the house in full, their lives are very obvious, the person who buys the house pays more attention to enjoying life, and life is no longer very tense, and the house slave is still living because of the mortgage, and the life is still tight.

There are still very big differences, after all, after 5 years, their living conditions, lifestyles and some of their behaviors, you can see some differences between them and their attitudes towards life, etc.

The difference is still relatively obvious, after all, after 5 years, you can see the gap between them from their quality of life, their attitude towards life and lifestyle.

The pressure on the life of the person who buys the house in full will become less and less, and the life pressure of the so-called house slave will become more and more intense.

The main reason for this is that many people's incomes are further reduced, and some people will even lose their jobs due to the change in the industry. In such a situation, many home buyers may face the pressure of cutting off their supply and need to further reduce their living expenses. Before buying a property, many people should actually consider their ability to repay the loan, and never buy because of the so-called erection.

First, the life pressure of people who buy a house in full will become less and less.

For those who buy a home in full, they may need to overdraft their savings for many years to acquire their property by the time they buy it in full. In the beginning, their lives will be relatively stressful. But when the economy gradually recovers, many people's lives will become less stressful, and buying a house will also improve their quality of life.

Second, the life pressure of people who take out loans to buy houses will become more and more intense.

This is actually very simple, because not all people will only earn more and more, on the contrary, many people's income will continue to decrease with age. Because many people take out a loan to buy a house for 20 to 30 years, although they can repay the monthly payment normally when they are young, this does not guarantee that their income will remain the same, and many people may fall into a situation where the payment is cut off after many years. <>

3. I think buyers need to comprehensively assess their ability to repay the mortgage they regret.

Buying a house is not a trivial matter, and it is definitely not something that can be decided by patting the brain. For most buyers who just need to buy a home, many people need to consider not only their down payment level, but also their ability to repay the loan in the future, and more importantly, the funds they need to use in their lives. Not only do we need to give ourselves a place to live, but we also need to ensure that our quality of life is not negatively affected by buying a house.

Usually the house rioter slave will be very stressed, overwhelmed, and will have the idea of messing around, but the person who donates to buy a house is very comfortable, buried in the self-contained, and is very happy every day.

Usually the house slave will have a very stressful life and a bad mental state. I've been worried about losing my job, but people who buy a house with full money are very comfortable. It's very free, it's time to eat and drink

Suppose that the house price is 1.5 million after 5 years, then A is equivalent to winning a profit of 500,000 yuan with 200,000 assets, and B has to win a profit of 500,000 yuan with a capital of 1 million, so his profit margin.

How much is it? B's Mao with Tonghe interest rate.

It's very simple, it's 50% (= 500,000 1,000,000); And how much is A's profit? Here it is necessary to make a detailed calculation, assuming that the installment is 30 years and the principal and interest are repaid in equal amounts.

The interest is increased by 10%), so A's monthly payment is 5 years, A's total repayment amount is 10,000, and the remaining principal is 10,000, so the net use value of the house.

That is: 10,000 = 1.5 million.

800,000 wealth management products in 5 years.

The income is calculated according to 3% every year, so that 120,000 will be obtained in 5 years, and the last cash of a is 10,000 = 800,000 120,000; As far as the current housing prices are concerned, although we can no longer see the skyrocketing trend like in previous years, please rest assured that the housing will not have the kind of collapse phenomenon, so to speak, even if the housing prices fall, these people who should not be able to afford to pay in full are still unable to afford to pay in full.

Moreover, we must also understand that the effect of controlling housing prices today is mainly to discourage some people from investing in real estate and avoid injecting too many assets into the housing market. Subsequently, a real estate bubble occurred due to excessive speculation by some people who exploited loopholes but did not have the economic level.

And not for the sake of deliberately striking the house**. What is the difference after 5 years, most house prices will be ** in the next 5 years, in the process of falling house prices, some people of the Dink people who take out loans to buy houses will break off their loans because of the decline in house prices, and the Dink people will not pay off the mortgage because they cannot pay the mortgage.

After. <>

The down payment of the original round of first was lost, and some people entered the bank's credit blacklist as a result, not only losing the down payment, but also becoming dishonest and executed.

Everyday life can bring a lot of inconveniences, and daily life is even more difficult. If the house is bought back for their own residence, only if they feel that the price is high, although they are sad, they can only admit it, go to work hard, make more money, and still have hope in daily life, and the house is still their own. If it is an investment in real estate, it will be a miserable loss.

For the same situation of buying a suite, the more obvious difference between the two is that one is under great pressure and one is less stressed.

The house slaves are still paying off the loans, and the people who buy the house in full are buying new houses, because those who can buy the house in full are rich people.

I think there is a world of difference, the house slave is still the house slave, and the person who buys the house in full is living a chic life.

Different people choose different ways to consume. Just as many young people now like to borrow money to spend, different people have different ways of managing their finances, so they have different choices in terms of loans and full payments. In this case, house slaves are mainly divided into two aspects.

The first aspect is that the house payment is not enough, and you can only pay the down payment and repay the loan on a monthly basis. In this case, for the house slave, one is to meet their own living conditions, and the other is to reduce the pressure of buying a house. The second aspect is that he has enough money to buy a house.

In this case, he will still choose to take out a loan to buy a house. Because he needs to invest or manage his own extra money, because the profit from doing so is often higher than the interest on the loan, and he can also make a sum of money.

But in the long run, although the house slave is paying off the mortgage every month, the longer the time, the less pressure on the mortgage. We all know that over time, a lot of things will swell, and this is just a depreciation, and our monthly mortgage will not change, so the mortgage pressure of the house slave will be less and less, and people's wages will increase to a certain extent with the development of the economy.

While money is one aspect, personal consumption and financial management are often part of the decision-making process for buying a home. Of course, in addition to this, personal mindset and ideas are also very important.

The second is to buy a house in full:

The person who bought the house in full paid for the house paid off the house in one lump sum with the money in his hand, in exchange for psychological safety and felt that he did not owe external accounts. But the disadvantage is that after buying a house, although there is no shortage of money, there may be no extra money to invest or live. If you encounter some unexpected events, you need to spend money urgently, and there may be a situation of poor capital turnover.

In addition, many people who can afford to buy a house in full may have a flair for investing. In this day and age, opportunities abound. If in the coming years, there are new development opportunities or investments.

But the money on hand is not enough. For these people, buying a house in full is also a big "loss", after all, for those who have the ability to invest, the income from other investments may be more profitable than taking out a loan to buy a house.

Another point is that for people who have the money to buy a house, if they can afford to buy a house with the full amount, they don't need to worry about follow-up problems at all, because the house is a store of value. Regardless of whether the price of the house falls in the future, it will not have a great impact on them, and there will be no loss of profits. For those who buy a house in full, there is no mortgage pressure at all, and there is no work pressure, so it can be said to be relaxed.