But buying a house before the age of 25 is really not a dream, so when should I buy it? What salary level can I buy?
Experts tell you that the international warning line is 0/3 of the income of 65438+, and it is very dangerous to exceed 50%.
When granting a loan, the bank will examine the borrower's income to ensure that the borrower's monthly income is enough to repay the monthly mortgage payment. The borrower should determine the repayment method according to his own income and actual expenditure, and handle the mortgage on the premise of not affecting family life. In line with international standards, monthly income 1/3 is the warning line of mortgage. If you cross this line, there will be a greater risk of repayment, which may affect the quality of life and normal family life.
However, according to the current situation, some experts believe that the current housing price, calculated by the standard of monthly income 1/3, may not be able to buy any buildings for most working-class people. However, the monthly contribution cannot exceed 50% of the income, otherwise it is easy to cut off the supply!
An experienced person said: make good use of limited resources and go immediately if you have a good chance.
In fact, many young people have become house slaves in a muddle, and many people have decided to take it after careful consideration! Just like Li Ge, a netizen, his investment experience is to make good use of limited resources, seize one end of the lever and get the biggest return from the rising property prices.
"In 2009, we not only restricted purchases, but also bought a house with a down payment of 20% and a 30% discount. If you have 1 10,000 yuan in cash, as an investor, would you choose to buy a suite in full or two or even three suites with a down payment of 20%? The pressure of loans, if real estate appreciates today and seven years later, what are these? "
"Young people should not worry too much about loan pressure and should change their way of thinking." Li Ge believes that the average repayment period of China real estate mortgage loan is about 6 years, and there is a saying called "Don't bully the poor". Stress? Not afraid. That will inspire our fighting spirit and use all kinds of free time to find all kinds of ways to make money! And think about the real estate rising so fast, in fact, you are making money invisibly ~
Li Ge finally mentioned: "Even if you have money when buying a house, don't pay the full amount, just pay the minimum down payment and choose the longest loan period!" Why? Financial economists will explain again ~
Financial experts say: inflation will make the loan pressure less and less.
Financial experts believe that if the loan pressure is too great, it is suggested that the loan period can be extended appropriately, even the longest period within the allowable range. Perhaps, for you, it is the "best" choice ~
When the price goes up, the deposit price goes down.
"If prices go up, the interest you save in the bank usually can't keep up with the price rise, and putting money in the bank is likely to' erode money'." Therefore, buying a house by loan itself is a process of "fighting" with inflation, which often makes you feel that the loan pressure is getting smaller and smaller. "Since the deposit interest rate generally does not outperform inflation, the rate of currency depreciation will often be greater than the interest you pay, not to mention the real estate price is still rising?
Imagine, now that the monthly payment is 2000 yuan, can you still use 2000 yuan to buy things 30 years later? If you don't buy a house or have no loan, you give up the chance to fight inflation.
Loan to buy a house = investment
When you know the current loan interest rate, you will understand why so many local tyrants have the money to repay the loan and buy a house. At present, the loan interest rate of the provident fund is 4.5%, and the commercial loan is 6.55%, so you should invest the extra money in the target higher than this interest rate.
Of course, if you invest in Xiaobai, you can only keep it in the bank for a while. Then, I suggest that you pay the highest down payment and choose the lowest monthly payment.
(The above answers were published on 20 16-09- 15. Please refer to the actual situation for the current purchase policy. )
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