How did my friends buy their first home?

After four years of work, I saved 180,000 yuan plus 80,000 yuan from my family, borrowed 100,000 yuan from my sister and my brother-in-law, and bought a 70-square-meter second-hand house with a total price of 900,000 yuan and a down payment plus 330,000 yuan in taxes and fees.

Borrow money to make a down payment and take out a loan to buy it.

。。。I have everything I should have, so I bought a school district house for a good elementary school, but my in-laws paid the full amount. Write my and my husband's names so that my daughter can go to school.

I bought it with my own efforts to save money and didn't rely on my parents.

In '96, my father told my eldest brother and me that whoever of us two brothers buys a house, the family will borrow money first. My brother didn't really want to buy a house, so I spent half a year running through various real estate projects, and finally selected a set, 16 80,000 yuan, and now the market price is between 350 and 4 million yuan. I only have 210,000 yuan in savings, my parents borrow 30,000, my eldest brother borrows 30,000, my aunt borrows 10,000, my aunt borrows 7,000, and the rest of the loans.

The renovation cost more than 40,000 yuan, and I felt that my whole body was emptied at that time, and I counted the money for about two years to live. In 2000, when I had more money, Zhang Luo bought a house for my eldest brother, and he said that he had no money (borrowed from me), only 10,000 yuan, and then his parents gave him 10,000 yuan, and I went to mortgage the rest, mortgaged my parents' house, and repaid the loan, so I repaid two mortgages every month. The eldest brother also resigned from his position as chief engineer at a state-owned automobile plant and went to work for a foreign-funded company.

The money earned was slowly returned to me. From 1997 to 2005, I also took out loans for two houses

Relying on his own efforts, he came out to work in March 2011, bought a car in full in November 2014, the first set in June 2016, and the second set in April 2019.

A 5th-tier small city on the Shanghai-Nanjing line, with a monthly salary of 6,000 in 12 years. Towards the end of the year, I heard from a colleague that Danyang Evergrande has a ** hardcover house to engage in activities, so I went to see a set of 2-room 82 square meters of small apartment (6800 square meters), 30% of the down payment is 180,000, but Evergrande can pay 130,000 yuan, I only need to pay 50,000 yuan, and Evergrande will return 130,000 yuan to Evergrande in 5 years. I looked at the house with my wife, took both parents to see the house, and bought the first house in my life within 2 days.

At that time, there was a car loan of 1700 per month, and I thought I was a little too impulsive. I lived in that house for a few years, sold it in 18 years, and replaced it with a 156-square-meter 4-bedroom apartment in the third phase of Evergrande.

In 2006, I only had V 20,000 in my hand, borrowed money to pay a down payment, and took out a loan of 100,000. In about three years, the loan is repaid in advance with the provident fund.

My dad said, buy it for me, let me pick a spot, and I settled on it in three days. But if I want to buy 85, my mother said that it is not easy to make money, so I bought a 77 one, which has doubled in two years, if it weren't for the good scenery of Dongshan, I would have some regrets.

Two years ago in '96, I borrowed some money and bought a set.

In 2018, I bought a suite in Shanghai with the full amount of money, 3.6 million, which was all imagined by my own strength.

The down payment was 65,000, and the loan was 45,000, and the salary at that time was more than 2,000 points, and it was repaid for several years.........

For 14 years, my wife insisted on buying a house for her son, and I bought it relatively smoothly.

When I was in college, my mom asked me if I would come back this week, and I said yes, and then she took me to see the house on Saturday morning, and I liked a set of 121 square meters of three bedrooms and two living rooms, and then called my dad to tell it. The formalities were completed on Sunday, and I went back to school in the afternoon. Didn't feel anything about the house at all.

I bought a house price of 3300,100 square meters in 15 years. 330,000 yuan, with a down payment of 2 into 60,000 yuan. It's very low, I saved more than 20,000 yuan by myself, bought more than 10,000 yuan and took it out, and swiped about 20,000 credit cards.

Borrow 6,000 dollars from a friend. Borrow parents 5 thousand. Finally got enough for the down payment.

When I made the down payment, I took a lot of cards, including credit cards, and I swiped every card cleanly. The young lady in the sales department was surprised. At that time, I asked my boyfriend to buy it, but he didn't buy it.

I was very angry. My parents won't let me buy it. My boyfriend doesn't lend me money even if he has it.

But I was very hungry for the house, very hungry. I bought it. ‍‍

17 years is too tiring. When I went back to buying a house in a second-tier city, the unit price rose from 9k to 14k, and I still gritted my teeth and bought a house, and made plans not to get married In the future, I will not live with my parents and live by myself. After coming back, the salary is good, no overtime, and one person repays nearly 8k per month.

In order to repay debts and loans, he now runs an amateur studio.

A post-85 girl, in 13 years, bought a new two-bedroom house of 89 square meters in Beijing, with a total price of 2.17 million, all on her own, and was 28 years old at the time. I graduated early with a master's degree, and I have been working for four or five years in 13 years, and I have some savings in hand. At the end of 12, I began to look at the house, and began to see some second-hand houses with a little center, which are old and dilapidated, poor environment, and expensive, and I feel that this is not my house!

Later, one day, a friend suddenly called ** to recommend a new real estate in the fifth ring road for me, developed by a large developer, with convenient transportation, and the subway entrance is located at the entrance of the community, with a unit price of more than 24,000. After seeing the model house, I loved it again, and I inquired about this real estate because of the ** price limit, and the new houses are thousands of dollars cheaper than the surrounding second-hand houses, and I paid the deposit without any hesitation. Later, I learned that I needed to draw the number to buy this plate, and many people didn't shake it, and I got to more than 900 numbers.

At that time, there was 250,000 yuan in the provident fund account, so I borrowed my classmates' money first, and later took out the provident fund and repaid it, so I made up enough for a down payment of 1 million. The day I bought the house, I felt like buying cabbage, and the sales urged you to hurry up and report the building and floor you wanted, otherwise it might be snatched away by others in a few seconds, so my house was bought within a few minutes.

I used the down payment of 150,000 yuan to go back to the countryside and build two 3-bedroom apartments on my homestead.

I started by selling vegetables, and my income from selling vegetables basically did not fall below 10,000 yuan per month. At the end of 14 years, I took the more than 100,000 yuan I had saved that year, borrowed 130,000 yuan from relatives and friends, and paid a down payment to buy a limited-price house in the suburbs, 8,000 square meters, more than 80 square meters, a total of 700,000 yuan. If I buy it now, I won't be able to afford it.

We paid off the 130,000 loan in more than a year. I still feel lucky. In fact, I really don't want to gnaw at the old, but in the end, I can only use their hard work to get this suite.

I called ** to my dad to discuss buying a second-hand house, which can be lived in and invested, and he said yes. After I looked at the house a few times, he called me and said that it is impossible to write my name, and I will take out a loan. I also have a younger brother, and my dad is a typical kind of thinking about raising children to prevent old age.

I still refused, giving up on the idea. At the beginning of 18, I have been working for two years, and I have tens of thousands of savings in my hands. From pinning my hopes on my boyfriend and then on my dad, I found that I had thought wrong before, and I had to rely on myself to do the right thing.

Pinning your hopes on others is often not a wise choice. In March 18, I bought the first suite in my life, 52 square meters, one bedroom and one living room, it is a 06-year-old community, 6th floor. The total price is 350,000 yuan, and the down payment procedures are nearly 150,000 yuan.

It's good to say that my father borrowed 40,0005. Borrowing money can see through the hot and cold state of the world, and strive to repay it as soon as possible, but borrowing money from the family always feels that the psychological burden is not so heavy. Ordinary people, no matter how they have ideas, they have to rely on themselves.

At that time, my salary was more than 6,000 after tax, and my girlfriend worked as a waitress in a restaurant in an office building, and the restaurant was treated very well, and she belonged to a large group with a salary of about 4,500. She is a waitress in the private room of the restaurant, serving food, wiping tables and setting chairs, and is also responsible for filling dishes into bowls and serving them to customers when she is busy at noon. When we were 14 years old, we planned to get married and buy a house, and my family gave 80,000 yuan, plus more than 200,000 yuan that I had saved recently, and I also had 300,000 yuan in my hand.

Our family is not a very wealthy family, and I have saved more than 300,000 yuan over the years and spent all of them on the down payment of the house. Now I have to pay off the mortgage every month, but I still have a very good and satisfying life. ‍

I had a deposit of 60,000 yuan at the time, which was borrowed by my sister, and she barely paid 20% of the down payment. A week later, I accompanied the two couples to sign the contract, and I went to the 50th floor of the super high-rise building to have a look. Then I secretly added the sales consultant's WeChat.

As for why I did it secretly, because when I revealed that I also wanted to buy a house, my whole family was against it, saying that what is the use of a girl buying a house, saying that it will be more difficult to find a boyfriend in the future. I had never thought about buying a house before that. But for the next month, I kept thinking about the 95-square-meter, one-bedroom model house.

It's a bit of a kind of longing that doesn't think about tea and dinner. I even felt that if I could live in a house like that in my life, I would have no regrets. At that time, I finally understood why some girls would rather take out loans to buy luxury goods.

In the end, I took away some of the ** jewelry I usually bought, and the new money accumulated in books was about twenty or thirty thousand, and then I cheated my father of twenty or thirty thousand yuan. Anyway, this is how I scraped together, paid a down payment of 20%, discussed with the sales consultant, and paid the other deed tax or something later. That's how I secretly bought a house.

My sister and my dad didn't find out until a month or two after I bought the house.

It must be a new house, after all, the first house in life is very ceremonial, and the second-hand house may have to be renovated for a long time.

If it were me, I would choose to buy a new house, because the new house can continue to be renovated according to my preferences, so that I will be very comfortable to go home, and the second-hand house is used by others, and my heart is always very responsive.

I think you should choose to buy a new house, since it is the first house in your life, you must buy a new house, decorate it yourself, and decorate it as you want.

I think that the first house in my life should be bought when I live in it. Some people may use it for investment or financial management, but I don't think it's realistic at all. Because you haven't even solved your own housing problem, how can you talk about investment?

If the reason for buying your first home is to rent it out to make money, but what about you living in **? If you are in the countryside, you can have your own old house, but if you live in the city, don't you have to spend your own money to rent a house?

You spend your own money to buy a house and then rent it out to make money, but you spend money to rent someone else's house, isn't this taking off your pants and farting? You can't even solve your own food and clothing, why do you have to think about some unnecessary things? This kind of thing is used to live in people, you haven't even solved your own problems, you say that you go to solve other people's problems, do you think this is too funny?

Therefore, I think when choosing your first house, you should take one of your actual needs as the standard. Don't think about some mess, you have to solve your own housing problems before you can think about other things, otherwise I think everything is just clouds, it's all empty talk, and it doesn't make any sense. And I think people around you will think you're like a fool.

After all, this kind of practice is generally impossible for normal people to do.

Actually, I don't think it's really necessary to think about so much mess, if you really have money and ability, you don't need to think about these problems at all. But if you don't have money or ability, then the first thing you have to do is to give yourself a place to live, so that your family can have a stable life, instead of being displaced with you. If you're not married, that's fine, but if you're married, you can't move with your wife and children.

The first home should be purchased carefully so that you don't regret it.

At the time of marriage. This is a very good opportunity, and you can also get some preferential policies, which will help you.

Buy a house if you need it, so that you can buy the right house.

Give some reasons to help you decide if you need to buy a home.

1.Investment value: Buying a home can bring investment value, because there is a chance that the house price will be higher and you can earn a higher yield on the property in the future.

2.Stability: Owning your own property provides a more stable housing environment, and you don't have to worry about things like rent** or instability in your living environment.

3.Family Planning: If you are planning to start a long-term relationship or have children, owning a property can provide you with a more stable family life.

4.Better quality of life: Buying a home can provide a better living environment, including larger home size, better neighbors, and better community facilities.

5.Tax benefits: In some countries, buying a home can bring tax benefits that can ease your burden on the big hailstorm.

These are just a few examples, and you need to consider factors such as your financial means, personal needs, and lifestyle habits when deciding whether or not to buy a home.