As the saying goes, "You can't have your cake and eat it". Since buying a house and a car has become the dream of young people, and young people, as a part of people who are about to get rich, their purchasing power determines that they are unlikely to have both. So in recent years, whether young people should buy a car or buy a house first has become the focus of discussion.
I read a survey about buying a car and buying a house in the newspaper: "On the question of buying a house first or buying a car first, nearly 80% people choose to buy a house first, of which 52.6438+03% people think that this is because the house can live and preserve its value; 22.84% people think that when buying a house, the car price is falling because the house price is rising. However, among the choices of taking a taxi, renting a car or buying a car by yourself, 50.62% people choose to buy a car. Many people think that with a car, they can go wherever they want, and the radius of life has widened a lot! " The choice of these two questions just illustrates a problem: young people nowadays are still quite confused about buying a house or a car.
Mei Mei is a standard fashion youth. When choosing between the two, she said: "The car not only increased my activity radius, but also gave me a private activity space. Because everything in the car is mine, and the pressure of buying a house is too great, I am a person who likes to enjoy life first. "
From what she said, we can know that Mei Mei decided to buy a car first in order to be kind to himself. Secondly, she thinks that a car is an indispensable necessity in life. Buying a house not only creates pressure, but also can't entertain oneself after buying it.
Here we can simply take Meimei as an example to see the more optimized choices of modern fashion women. First of all, buying a car is to enjoy the convenience of life and work. There is no need to squeeze the bus, and there is no need to worry about where it is inconvenient to go. You can have a good time without a bus. Secondly, compared with the house payment, the car payment is much less. In the current economic situation of the working class, buying a car with a price of 10 ~ 15000 yuan is not a heavy burden, but if you buy a house, it will be a heavy burden. Third, Mei Mei bought a car first, and when she reached marriageable age, she found a husband to pay for the house with herself. Isn't it a good thing to relieve stress and be true? If Mei Mei buys a house now, there is no doubt that she needs to bear a big yoke, which will also reduce her quality of life and reduce her opportunities for entertainment and relaxation.
Let's look at another example. Xiaowen is 25 years old this year. She is also a fashionable young generation. Her current position is assistant to the general manager of a large company, with a monthly income of 4,500 yuan. When asked whether to buy a car or a house first, she blurted out almost without thinking: "Of course, buy a car first. Although the car is a consumable in principle, it can facilitate my work. For example, if you go out to talk about things, you don't have to take a taxi all the time, and you don't have to rub the manager's car all the time. Moreover, the pressure of buying a house is too great. I am still young and want to live a relaxed life for a while. Moreover, I don't want to tie my future to this company for a house: if I buy a house first, I will have a lot of concerns when I change jobs, and I will worry about whether my next job is stable or not, and whether I can afford a loan. "
From the choice between buying a car or buying a house, it can be seen that both girls are considering demand and supply. For them, what they need most in life at present is a car rather than a house. Of course, they think more because of pressure. After all, compared with the house, the pressure brought by the car is much less. Once you have a car, the first advantage is that you can expand your life circle. With the accelerated pace of life, owning a car can also speed up your pace in a certain sense. Because it can decompress. For example, coming to road trip on weekends is not only good for physical and mental health and relieving stress, but also good for making more friends to relieve loneliness.
Also a young man who follows the fashion, another girl, Xiaoxue, thinks so: "Buying a house is a necessary expense, and it can at least preserve the value without adding value. Moreover, the house can provide itself with a warm nest to shelter from the wind and rain, which can stabilize life, but the car is a consumable. "
Xiaoxue's situation is this: with an extra income, her and her husband's savings had a very subtle figure a few days ago-reaching six figures. Of course, this money will not only allow her to pay off a mid-range car at one time, but also allow her to pay off the down payment of a house of about 500 thousand. And if you are not too picky about the location, Xiaoxue can probably buy a house of 80 ~ 100 square meters.
In addition, both of them are young people, and they usually like to travel and "wander around". At that time, the money had just arrived, and both of them chose to buy a car without hesitation. Because they think that for them, no nest is better than no legs.
When Xiaoxue came home and told her parents about this "grand" plan, she didn't expect to get a very serious conversation from her father. Adults' ideas are always much more realistic. After lecturing Xiaoxue, they talked about the reality that Xiaoxue and her husband are almost thirty. Xiaoxue heard that it made sense and decided to buy a house first.
In fact, as long as you analyze it carefully, you will find that Xiaoxue's parents are also telling the truth.
They are all married people in their thirties, and it won't be long before they need to consider raising children. Once you have children, it will be a very big expense. If you start buying a house at that time, it will undoubtedly increase the economic burden of two people and increase the pressure. Besides, only when a married person has his own house can he feel at home, and only when he is in the mood to decorate a warm living environment can he feel stable in life. From Xiaoxue's choice, we can see the choice of another group of people-married young people.
Due to 20 10, the relevant departments of the state frequently issued new policies on the property market, the transaction volume of the property market declined, and people's wait-and-see mood was also strong. According to the survey, 45.8% people think that the house price will definitely drop in the second half of 20 10, and 26.2% people think that the house price may drop in the second half of 20 10, so more than 70% of the respondents expect the house price to drop in the second half of 20 10.
If house prices fall, it will have a greater impact on people's car consumption. This is hardly a suspense question to be discussed. When faced with the choice of buying a house and a car, those consumers with insufficient funds may be more inclined to buy a house before buying a car, so the money originally intended to buy a car will also be used to buy a house. Of course, if consumers are in a relatively affluent situation, then the decline in house prices will make them have a fund balance. At this time, there will definitely be more consumers inclined to use the money saved by buying a house to buy a car.
From this, we can draw a conclusion: when faced with the problem of buying a house or a car, modern young people need to consider their own actual situation first, and then consider some external factors, such as the above-mentioned car price or house price. After all, buying a car or a house is a major event related to life, and the money consumed is also very large. Consumers need to carefully analyze external and internal factors and make a choice after careful selection.