1. What's it like to pay the rent while paying the mortgage?
The skyrocketing housing prices gave birth to a number of house slaves. They only have a little salary every month, but they have to pay a high mortgage, and they dare not make any mistakes. For those who have already bought a house but haven't paid it yet, it is even worse to pay the rent while paying the mortgage.
Xiaoding has worked in Hefei for more than four years. At the beginning of last year, when the housing price in Hefei just rose, he bought a small house with a height of 90 square meters. In his words, what is it? Is the place where that house is located still desolate and uninhabited?
At that time, the average price of the real estate that Xiaoding liked had risen to 1. 1 10,000 yuan/square meter, which is already a very low price in Hefei today. For a house of 990,000 yuan, Xiaoding and his girlfriend took out the previous deposit of10.5 million yuan, and then both parents took out10.5 million yuan, which made up enough money for the down payment. In the case of soaring housing prices at that time, Xiaoding booked a relatively cheap and remote house before he could see more properties, and then signed the contract according to his handprint.
After handling the mortgage, Xiaoding began to feel the pressure. At present, their monthly income adds up to about 10 thousand yuan. When I first started to calculate the mortgage, I felt that there was still a lot of room, so I chose to pay 4,000 yuan a month. But it is difficult to operate in practice. Before buying a house, Xiaoding and his girlfriend lived in a nice one-bedroom apartment with a monthly rent of 1600.
After the skyrocketing housing prices last year, rents have also gone up this year. Xiaoding has to pay the mortgage and rent at the same time every month, which adds up to nearly 6000 yuan. The money left is only enough for daily life. Because the purchase is relatively fast, it will take two years to get the house, plus a period of decoration and ventilation, at least half a year. This means that they have to pay the mortgage and rent for two years. According to this situation, it is difficult for them to save enough money to decorate the house after two years. In addition, there are many places that need money to get married and have children in the future. When it comes to this matter, Xiaoding said? Can't imagine? .
Considering this situation, Xiaoding and his girlfriend decided to move out of the apartment after discussion, and rented a two-bedroom apartment of 1500 in the old community near the Second Ring Road, and rented another room. The environment is different from before, but both of them are optimistic. Xiaoding said that there are only two years left, and the main task of these two years is to save money for decoration. Although the place where I live now is not as good as before, I still feel lucky to think that the house has been settled.
Regarding what it's like to pay the mortgage and rent at the same time, Xiaoding said that life has become more regular. The two made a detailed plan to make money, save money and save money. Try to save as much as possible without being stingy with yourself? . Cook at home regularly every night to minimize unnecessary entertainment. Whenever you want to buy any electronic digital products, think carefully whether you need it or not.
Second, is it cost-effective to buy a house with a loan?
The policy of buying a house is constantly changing, and so is the down payment. Therefore, before buying a house with a loan, first understand the mortgage policy and see if you can meet the requirements of the loan to avoid unnecessary trouble.
When you buy a house with a loan, you must ensure that your personal credit information is good, which will not only improve the success rate of the loan, but also enjoy certain preferential policies. So, don't have bad records, such as paying off credit cards and owing water and electricity bills.
The requirements of bank loans are strict, and the comprehensive information of borrowers needs to be reviewed. Therefore, before buying a house with loans, ask clearly what information needs to be submitted to shorten the loan approval time.
Every bank supports borrowers to repay loans in advance, but it also has certain requirements. If the borrower intends to repay the loan in advance, it is necessary to find out the conditions for repayment in advance.
Third, how to decorate the porch after buying a house?
The lower part of the porch should be solid to prevent wealth from leaking out, and the upper part should be transparent, such as transparent frosted glass or hollow antique shelves. The lighting of the entrance should be bright rather than dark, and the lighting of the heart door can be set up to make up for it when necessary.
The height of the entrance should be moderate, generally two meters is better. If the entrance is too high, there will be a sense of oppression, which will completely block the air outside the house and cut off the fresh air or anger at the gate. If it is too low, it will have no effect.
It is not advisable to pile up too many sundries around the entrance, which will make the living room look messy and affect the house. You can put some items, such as Kirin. The porch is neutral and warm, giving people a soft and comfortable feeling and reflecting the warmth of home.
The above is an introduction about what it's like to pay the rent while paying the mortgage. Before buying a house, everyone should consider it clearly, buy a house in combination with their own economic ability, and don't let themselves bear too much pressure and burden economically. Buying a house is to improve the quality of life of your family, so you must think carefully before buying a house.