Can most rural families spend 600,000 yuan to buy a house at a time? On what basis?

Rural families take out 600,000 yuan to buy a house at one time? Are you kidding me? Think 600,000 is paper?

Most of them areWage earners, a month's dead wages, let alone in the countryside?

Rural farmers can't earn a lot of money a year by farming, and it's good to have an income of tens of thousands of yuan a year, like our hometown, which relies on farming, and doesn't have 10,000 yuan a year. Only if you go out to work, you can earn a little money, even if you go out to work, a young labor force, according to a monthly salary of 5,000 yuan, you will be 60,000 yuan a year, in addition to various expenses, you can save 30,000 yuan a year, it is very powerful, you have to save 600,000 yuan, at least 20 years, during which you can't do anything, don't buy a house, don't buy a house, don't go to school, don't get married, don't repair a house, don't spend money on illness, etc. Therefore, for rural areas, it is basically impossible to take out 600,000 at one time, even if there is, in China, it is only 10%, of course, this is only for rural areas with underdeveloped economies, in Wenzhou, Ningbo, Hangzhou, Suzhou, Jiangsu.

In Wuxi, Changzhou and other places, families that can take out 600,000 at one time should have a large family.

In addition, on our side, 600,000 yuan, you can buy a 100-square-meter house in the county, which is basically unlikely. Therefore, when it comes to "most of the questions", there is no such thing, and a very small part of it is still a coastal rural area with better economic development, if it is in Yunnan, Guizhou, Sichuan and Chongqing.

Guangxi, Xinjiang, Gansu, Qinghai, Ningxia, Inner Mongolia, Henan, Shaanxi and other places, rural families, take 600,000 yuan at one time, it is impossible, even if all the belongings (houses, cars, cattle, sheep, pigs, horses, chickens, ducks and geese) are sold, it is not worth 600,000 yuan.

In the past two years, the Ministry of Agriculture and Rural Affairs of the People's Republic of

According to the information released, in the past two years, the per capita net income of farmers in China is expected to be 14,600 yuan, an increase of more than 1,000 yuan over previous years, and the growth rate is also about 7%, which is basically the same as last year. The per capita annual net income of 10,000 yuan is calculated according to two adults in a family, which means that a family's annual income is less than 30,000 yuan, so 600,000 yuan cannot be reached for 20 years.

Therefore, a family spends 600,000 yuan a year to buy a house, and the probability of it happening in rural China is very small.

I don't think I can get it. After all, many farmers don't make much money all year round, plus they have to raise children.

No, I think rural families make a living from farming, and their income is relatively low, so they take out 600,000 yuan at one time and have a low probability of buying a house.

Yes, most families can come up with this amount of money, and many rural families are living relatively well now.

In the past 10 years, in Xiao Wu's hometown, a lot of buildings have sprung up, these buildings are more than 200,000 yuan, and some even go up to 1 million.

Some rural people have worked hard for more than 10 years to save some money, so they spend time going home to build a house, build and decorate it, and then go outside to work to make money, and only come back once a year at the end of the year. This phenomenon is very common in rural areas nowadays.

No, there is an Uncle Li in Cha Nai in Xiaowu Village, he is a carpenter, and he took his wife to work on the construction site together, the two couples have worked for 5 years, and they have saved more than 500,000 yuan, and the children are studying outside.

Several people in the village chatted together, and each had a different opinion. Some people say that building a house in the countryside is a loss-making business, and some people say that it will increase in value, what do you think?

Here's Wu's point of view:

First, rural houses do not increase in value.

If you build a new house, do not live at home all the year round, the house not only does not increase in value, your home appliances, lamps and lanterns are not often used, they are easy to rot because of damp oxidation, the walls of the house, door locks, roof tiles, tap water equipment, sky hooks need to be repaired frequently, and money is needed every year, which is quite not cost-effective, right?

For people living in bustling metropolises, people with deposits higher than 500,000 may be more, doing business in big cities, some people can earn 500,000 yuan a year, 500,000 yuan for rich people, they don't have to worry about food and clothing, 500,000 yuan is just the money to buy a car, or a brand-name watch or a few sets of branded clothing.

As far as the older generation of peasant families is concerned, they have worked hard for most of their lives, and the money they have saved is used to build houses for their children and marry daughters-in-law.

According to the data of "Household Income and Consumption Expenditure" released by the National Bureau of Statistics;

The per capita disposable income increased over the actual situation, of which the per capita disposable income of urban residents was 42,359 yuan, an actual increase; The per capita disposable income of rural residents was 16,021 yuan, an increase in real terms.

The median per capita disposable income of residents in the country was 26,523 yuan, an increase, and the median was average. Among them, the median per capita disposable income of urban residents was 39,244 yuan, an increase, which was average; The median per capita disposable income of rural residents was 14,389 yuan, an increase of average.

Judging from this data, the per capita disposable income of rural residents has increased over the previous year, but it can also be seen from the data that the per capita disposable income of urban residents is 42,359 yuan, and the per capita disposable income of rural residents is 16,021 yuan. Therefore, for rural families, it can be said that there are only a handful of households that can come up with 500,000 savings.

Some people may not think that this part of the population can save 500,000 yuan in about a year with a monthly salary of 3-50,000 yuan, or even 1 million or even more after three or five years. As far as I know and know the rural people, most of them are not highly educated, and they go out of the society to do high and low jobs, and the low-income ones get a salary of about 3,000 a month, and the high ones get about 10,000 a month, except for daily expenses, the money that can be saved every month is really not much.

Another reason is that most families are in debt, such as mortgages, car loans, arrears from relatives and friends, etc., a friend I know, the loan applied for to build a house at home, although it is a rural self-built house, but because of the various raw materials ** is not cheap, self-built two-and-a-half floors 80 square meters cost nearly 700,000, working in the urban area not far from home, with a monthly salary of about 4,000, most families have tens of thousands of deposits in their pockets after taking out a loan to buy a house, let alone hundreds of thousands, Many families have less savings and only daily liquidity to support their lives.

I myself am from a rural area, and in my village, for example, less than half of the families can come up with 500,000 at once. My hometown is from Hebei, and most people can come up with 100,000 to 200,000 yuan, but there are still very few people who can take out 500,000 yuan at once.

Not much. Although the lives of rural people are now better, 500,000 is not a small number for any family.

For many people in the city, the wage income may reach this figure in two or three years, but for the rural people, it is not so simple, and the number of farmers is still quite large for China's current 600 million peasants. So for farmers in my country, how many families can take out 500,000 yuan to buy a house at one time? It is believed that there are still relatively few scientific rejuvenation of agriculture.

According to the figures released by the National Bureau of Statistics of China, in 2018, China's per capita annual income was 10,000 yuan, which means that with reference to this income level, it takes a year for a two-person labor force family to accumulate enough 500,000 yuan. Of course, this is still the situation in the situation of not eating or drinking, if you add unexpected illness and daily family expenses, then it may not be able to reach the level of 500,000 in 15 years.

As for the peasants whose income level is at the bottom of our country, it is even more impossible to say that they have accumulated enough funds in a short period of time by referring to the above-mentioned income situation. According to the data released last year, the annual disposable income of farmers working at home is only 10,000 yuan, so if you calculate it in this way, the accumulation time of 500,000 yuan will be longer.

Nowadays, many farmers in the countryside have bought houses in the cities, and if buying a house in the city was relatively scarce in the past, then buying a house in the city is really more common now. It is true that the living standards of farmers have improved, but for most of the farmers who buy houses, buying houses is not dependent on the income obtained from growing grain at home.

Speaking of buying a house, I remembered my aunt, there is a boy in the family, I heard that she bought a house in the city during the Spring Festival this year, and I am afraid that it will be difficult to come down without 500,000 yuan according to the local priceless level, because according to my understanding of my aunt, buying such a house is indeed beyond her family's income level. It is obviously impossible to come up with so much money at one time, but I still bought it head-on, maybe because there is a boy in the family, for the sake of the future child's marriage.

But since buying this house, my uncle and aunt have become house slaves, running around to work and make money, not only to maintain the pressure of the mortgage, but also to face the pressure of the two children in the family to go to school.

Here, I also want to say that for most farmers, in fact, they still do not have the economic ability to buy a house, and it is enough for the parents of children to do compulsory education for their children, and for the future house, the children themselves need to work hard to earn, and as children, they cannot expect their parents to arrange everything for their children. If you are burdened with debts to buy a house, I am afraid that the rest of your life will be difficult to settle down.

It is simply impossible, because the income of rural families is limited, it is impossible to have too much savings, and it is difficult to come up with 500,000 yuan to buy a house.

No. Most rural households only earn about 30,000-50,000 yuan a year. If you want to take out 500,000 yuan without eating or drinking, it will take at least ten years, and if you want to take out 500,000 yuan at one time, you still need to borrow money from relatives and friends.

No, although the cost of living in rural areas is relatively low, the overall income is not high. Many rural families have less than 100,000 yuan in savings, and it is too difficult to come up with 500,000 yuan at one time.

It is very difficult, a rural family, the annual income of cultivated land is less than 40,000 yuan, and it is very difficult to simply rely on arable land to make money to buy a house.

Personally, I think I can get it. Because the state's policy is good now, the people's own fields and land compensation plus their own farming life, they already have a lot of savings in their hands, and the rural consumption is not very high, and people are relatively economical, so they can still take out so much money.

No, most rural households do not have half a million in savings.

What is a rural family, that is, the income from work is mainly farming and part-time work, and there will be no other welfare apprentices, there will be no five insurances and one housing fund and other treatment, and the life after old age can only rely on the money saved when they were young, and the ability to resist risks is particularly poor, and they may return to poverty overnight in case of major diseases or accidents.

Take farming as an example, don't look at the price of vegetables in the city is very high, selling vegetables for five yuan a pound in the city, from the hands of farmers will not exceed two yuan a pound, the difference in the middle is that the vegetable seller and the vendor earn twice, and then sell to the hands of urban residents, in fact, farmers are at the low end of the entire vegetable industry chain, and the average rural family may not earn more than 50,000 yuan a year from selling vegetables.

Part-time work is very unstable for farmers, the income of part-time work is to do one day's wages, unlike enterprises to work, there are holidays, migrant workers are not holidays, most of the migrant workers are concentrated in real estate or other construction industries.

It is estimated that their income for a day will not be less than 300, but it is not every day, it is very hard, no matter how cold or hot it is. The work needs to be done, and the society will not recognize the hardships they put in.

Moreover, most of the parents of rural families have been in an unstable working and living environment for a long time, and what they do every day is to live on the road, neglecting to contact the society, their concept is to earn money, save money, and say that they can use the money to invest in buying a house, etc., which is a bit unrealistic for them.

And when they see that the gap between the rich and the poor in society is gradually widening, and they have no money in their hands, they will also have a very depressed psychology, since they can't buy a house, they will feel that buying a house is useless, and they will feel disgusted with the house. In fact, not only farmers, but most people are the same, "can't eat grapes and say that grapes are sour".

Another point is that most rural families do not have the actual need to buy a house with 500,000 yuan, because most of the children in rural families will end up in the countryside, or in the industrial parks that have just developed around the countryside, and the housing in those places may only be 500,000 yuan, with a down payment of about 100,000 yuan.

To sum up, taking 500,000 yuan out to buy a house may not be a big problem for families in the cities that are better developed, such as government agencies, public institutions, state-owned enterprises, and businessmen, after all, their concepts and social security are much better than those in the rural areas, and their mentality will be different. However, most rural families will not have 500,000 yuan at all if they rely on farming and part-time work.