Which lifestyle do you think is better to rent or buy?

In China, renting can only be transitional, and it is the norm to go out to work (or something) to rent a house, but in the end, it will transition to the day of buying a house after developing to a certain amount of capital.

Looking at the economic situation, if you can afford to buy a house, you can buy a house after the house price stabilizes, because your house decoration and layout can be implemented according to your own preferences, and you feel down-to-earth, but you must have a job to do in the place where the house is located. If the economy does not allow it, it is better to rent a house for a few years and wait for the opportunity.

The property rights of the rented house belong to the landlord, and strictly speaking, it is not a home in the real sense, and there is no sense of belonging. Renting a house can not be decorated and purchased at will according to one's own mind, one is that the rented house cannot live for a lifetime, and it is really not worth spending money on decoration; Second, it is inconvenient to purchase household appliances when moving, and it is difficult to guarantee the quality of life. Not only that, but you also have to worry about the landlord raising the rent at any time, or even breaking the contract to collect the house.

Housing prices have been rising a little bit and there is no meaning of price reduction, two. It is better to buy a house in third-tier cities, and you can only rent in first-tier cities. The pain of renting, such as the owner's irregular price increase, the family has something to do and no rent, and so on. Buying a house is a first-hand house, and there are many fewer problems than second-hand.

Renting and buying a house of course depends on your own conditions, you can only rent if you have the conditions, and you can only rent if you have no conditions.

Now if you want to get married, it is necessary to have a house, after all, it is your own real estate, even if you think about your children's schooling, you have to buy a house instead of renting it.

Whether it's renting a house or buying a house to pay off the loan, what you have to do every month is to pay the money. It doesn't matter how much money you have, how little money you have is a stress. It's the same money, but the feeling of paying money is very different every time.

First of all, there is pressure on rent, and there will also be pressure on interest rate adjustment for loans. If you are a salaryman, it is impossible to have a relatively fixed monthly salary at the same time as the rent and monthly payment increase**.

It mainly depends on how to think about it, if you want to buy a house independently by yourself, without the pension money of the elderly, you must rent a house in the early stage. After a few years of hard work, it is possible to buy another house. Buying a home is the final choice. Otherwise, whose daughter is willing to marry a boy who has no house.

Do you need to buy a house? I think anyone who has the ability will not hesitate to buy it. Because property is not just for living, because the interests attached to it are magnified. It has a direct impact on our household registration, work, children's schooling, medical care, pension and so on.

As someone who lives in a rented house, I can say that I have experienced a lot. On the one hand, there is enough freedom and autonomy in the Living Bridge Imperial Skin, not only can you freely decide your own lifestyle, but you can also change your living environment without thinking too much about legal issues. On the other hand, living in a rented house has also given me the opportunity to reach out to different groups of people.

For example, my roommates are all renting houses, and we all have the same goals, and we can get along better with each other, and we can communicate with each other about the joys and sorrows of life. Finally, renting a house can also teach me a lot of practical skills, such as how to take care of the house, how to pay rent in a timely manner, and how to maintain a good relationship with the landlord, which are not often encountered by ordinary housing owners, and renting a house can teach me these practical knowledge. In short, as a person who lives in a rented house, I find this experience very rewarding because it has taught me a lot of practical ways to deal with the difficulties in life, and it has also allowed me to experience the freshness of living independently.

Buying a home: Owning a property after 20 years.

Suppose that a property located in the city, with an area of 70 square meters and a total price of 800,000 yuan, is taken as an example, with 20 years as the loan term, how to calculate the account of buying a house?

Suppose the buyer has 350,000 yuan in cash and can freely dispose of 3,500 yuan of spare money each month. The buyer made a down payment of 350,000 yuan and applied for a commercial loan of 450,000 yuan, which was repaid in 20 years. On June 8 last year, the central bank decided to lower the annual interest rate for loans over five years from the original one.

Then, on July 6, the interest rate was further lowered to. In a year, even if the central bank raised or cut interest rates several times, most personal mortgages only implemented the new benchmark interest rate on January 1 of the following year. Therefore, based on the current annual interest rate of the loan, the monthly payment of the same amount per month is 3,368 yuan, and the principal and interest will be repaid in total for 20 years.

Adding up the above expenses, the cost of buying this house includes 350,000 yuan in cash and 3,368 yuan per month, which will be about 10,000 yuan after 20 years. In fact, the cost of buying a house for buyers is more than 10,000 yuan, because if it is a second-hand house, it also needs to add intermediary fees and some taxes, and if it is a new house, there are deed taxes, house maintenance ** and other expenses. However, no matter what kind of house purchase, the cost incurred in the transaction process does not exceed 100,000 yuan.

In other words, after 20 years, the buyer spent less than 1.25 million yuan to buy a house.

Renting: After 20 years, you can have more than one million yuan.

If the same money is used to rent the same property, in order to facilitate the calculation, the 350,000 yuan in the hands of the renter is used as savings, and at the same time, if the 3,500 yuan of spare money per month is separated, according to the current rental price discount rent of 2,000 yuan in our city, the remaining 1,500 yuan is still used as savings, roughly calculated, in the final analysis, the renter's assets in 20 years are 1.27 million yuan. He also proposed that if you make good use of less risky investment and wealth management products in 20 years, you will achieve higher returns.

According to the total price of 800,000 yuan, the unit price of 70 square meters of real estate is 10,000 yuan per square meter; If calculated according to the total house price of 1.27 million yuan, the unit price of 70 square meters of real estate is 10,000 yuan per square meter, that is to say, if the house price of this property per square meter is 6600 yuan, the buyer and the renter will have a "tie".

Now renting or buying a house has become a topic of discussion for many people, some people think that renting is more free, and there is no need to become a house slave because of buying a house, and some people think that buying a house has a sense of belonging, so it is really a home, so whether to buy a house or rent a house, summarizes several points of view on buying a house or renting a house and the pros and cons of buying a house and renting a house.

Buying or renting:

1. In fact, the demand for rental housing is rising rapidly, and in some second-tier cities, compared with 2012, the demand for rental housing has increased by more than 150. With the advancement of urbanization, a huge rental market is maturing, and a new pattern of urban rental has gradually formed.

2. The time to buy a house has not yet come, and choosing to rent a house to solve the problem of living is the way. According to statistics, the overall rent-to-sale ratio in Beijing has reached 1:806, far exceeding the internationally recognized 1:

200 300 reasonable rent-to-sale ratio range. In other words, the money to buy a house in Lucheng, Tongzhou can be used to rent for 114 years.

4. Rent is linked to income, and housing prices are highly leveraged, so you should rent a house first, and then stand by, in the past 5 years, the average annual price of second-hand housing in Beijing is 14 3, and the rent increase is 8 3 percentage points lower than the house price increase. At that point, the increase in house prices is 36% higher than the increase in rents, so more and more people are renting.

Pros and Cons of Buying and Renting a House:

1. Advantages of renting: not a house slave, low economic pressure; The quality of life is relatively high, and the funds can be used for other consumption; You have a high degree of freedom and freedom to change your residence according to your preference. Renting a house only requires Kaisun to move in, which is more free, and the monthly payment saved can improve the quality of life

2. Disadvantages of renting: lack of stability and security; The landlord wants to increase the rent, but if he doesn't accept it, he has to move, and even the landlord does not sign a contract with the tenant, and if he finds someone who is willing to pay high rent, he will immediately drive people out, and furniture and household appliances cannot be purchased, so as not to move inconvenient; And there's no guarantee that someone will want to rent your house all the time.

3. Advantages of buying a house: stable residence and high comfort; Children are enrolled in nursery schools and do not need to pay high borrowing fees; house as a fixed asset; Furniture and household appliances are in place at one time, and there is no waste; It is convenient to take care of the family What you buy is a stable and peace of mind. What's more, the house depreciates less.

4. Disadvantages of buying a house: the quality of life is reducedIn order to repay the loan, it will inevitably reduce the expenditure on travel, entertainment and play, personal hobbies, etc., and the quality of life will be greatly reduced. limited personal development; Because of the mortgage, even if the job is unsatisfactory, it is not easy to change jobs, and many development opportunities have been given up.

There is a lot of social pressure nowadays, and the house is also a headache。Many young people are very entangled, whether to buy a house or rent a house, in fact, buying a house and renting a house have their own benefits. Because of the high housing prices now, many people live in rented houses.

After all, it takes a lot of money to buy a house, and as a young person who has just entered society, he can't afford such a high housing price. Renting an apartment is a little less stressful for young people, and jobs for young people are precarious. <>

Renting and buying a home has its own benefitsWith the change of work, there is a possibility of changing residences, and it is convenient to move when you rent a house。But renting a house also has a disadvantage, because it is not your own house and you are insecure. I am also very worried about renting someone else's house and breaking the contents of the house.

The appliances in the rented house are usually incomplete, and I want to use the appliances, but I don't want to buy them, because I am afraid that it will be inconvenient when I move. It would be great to have a house of your own. <>

Do you think it's better to rent or buy? But the current housing prices are very high, and young people do not have enough money to support such high housing prices, resulting in young people not being able to afford to buy a house. Personally, I think it's better to buy a house, buy a house of your own will be very practical, and you can also decorate it according to your preferences.

Although the price of buying a house is relatively expensive, you can borrow a little from your relatives and pay it back when you have the ability. The house thing can't be improvised, because the comfort of the house determines the happiness of a family. <>

Does buying a home give you a sense of security? Renting a house is always moving around, but if you buy a house, the whole family is very happy. I feel that buying a house gives me a sense of security, and I only need to pay a down payment on the house to pay the mortgage every month.

Because it is in a small city, I can accept the mortgage by myself, so that my family can be together, and it is very happy to live in a new house.

The advantage of renting a house is that it is cheap, and the advantage of buying a house is that you have a home that belongs to you forever. Buying a house will definitely give me a sense of security, because I am a girl, and girls grow up without a home, I understand this sentence. And no matter how unsatisfactory things happen to me in the future, at least I have a place to live.

Each has its own well. I think if we don't have enough money, renting can be very comfortable, as long as we sign a guaranteed contract, the house is just a place for us to rest, and we can't take it away after all. It's also good to buy a house, I want to be down-to-earth, there is a kind of kind of green mountains left, not afraid of no firewood, even if there is nothing, at least there is a house to settle down.

I think it's better to buy a house, because buying a house will give you a sense of security, and it will also give you a sense of belonging. Don't be on the move.

It is better to buy a house, it can bring a sense of security, and in this way, you will have a goal to strive for, and then you will also have your own habitat.

It is better to rent a house, of course, buying a house can also bring you a certain sense of security, but now everyone's financial ability is still relatively low, and renting is more affordable.

Buying a house is good, buying a house can give me a sense of security, and it can also allow me to put down roots in the local area, so that I can have a small nest in the local area.

Personally, I think it would be better to buy a house because it gives me a sense of security and allows me to worry about renting a house.

Buying a house is good, so buying a house is easy to bring people a sense of security, and there is also a sense of belonging to a home.

I think it's better to buy a house. Of course, it gives me a sense of security because I feel like it's a stable home.

Buying or renting a house is a matter of opinion, and you can choose according to your own financial situation and housing needs.

Benefits of renting:

Renting a house is already a very common way of life in the real estate market, especially for people who work outside the home, and the company does not provide room and board, so they must rent a house. So there's a lot of flexibility in renting. In addition, you don't have to pay a lot of cash at once to rent a house, and the funds can be used for other investments.

In addition, it can avoid risks such as depreciation and repayment of the value of the house. And it will not reduce the quality of life because of buying a house, and you can save a lot of money by renting a house without buying furniture, appliances, decoration, etc.

Benefits of Buying a Buyer:

Having your own property is more of a sense of belonging. Buying a house can be used to have a property of your own in the future, without worrying about problems such as a second landlord, and it can also be treated as a long-term investment. Moreover, if you have a fixed residence, your child's household registration can be directly implemented in the future, and it is convenient to go to school, so you don't have to worry about school selection fees.

If there are elderly people in the family, it is convenient to take care of the elderly.

Suitable for renters:

Generally speaking, young people who are just starting out in the workplace, people who are more mobile in their jobs, people with unstable incomes, and people who are short of funds are more suitable for renting. Because renting a house can ensure the liquidity of funds, there is no need to worry about the need to repay the loan on time every month after buying a house. There are also people who want to use the funds for other investments, once they buy a house, it is a transaction of tens of thousands, which will involve the question of whether there are still activity funds.

Suitable for people who want to buy a house:

Now there is a common word in real estate is "just need", which is the people who are ready to get married, have a down payment, have loose funds in hand, and have a stable income, which is also the main group of people who buy houses in the real estate market at present. The second is to improve the sexual needs and people who want to invest in real estate. These people have a lot of money, a stable income, and a high income, and the quality of life for them will not change much when buying a house.