1. Buying a house: Xiaojin is in mortgage to buy a house, 17 Wuhan, with a total price of about 830,000 yuan, a down payment of 250,000 yuan and a commercial loan of 830,000 yuan, with a monthly repayment of about 3 100. By 19, the house has risen to about 15000 per square meter. Regardless of the appreciation factor, Xiaojin's salary has more than doubled from 17 to 19. It used to cost more than 3000 yuan a month, but now it's basically nothing. If you think about it this way, it is 10, 20 years, 30 years.
2. Renting a house: Xiaojin is currently working in Wuhan, and many colleagues around him are renting a house. I understand that their lease contract is one year. Pay one and lose three, the monthly rent 1000, and the water and electricity fee is 200 per month. Annual rent 14400 yuan. I have to put up with the risk that the landlord will not renew the lease. Some people say that the rental contract can be signed for many years, but the rent in first-tier cities is rising every year. The landlord will not be stupid enough to sign a contract with you for many years, and the price is the same.
Conclusion: Although your salary is rising and your rent is rising every year, the monthly payment will remain the same if you buy a house. If you are in the average capital, the monthly repayment will be less and less, which will obviously bring you less and less financial pressure.
Second, education contrast.
1. Buying a house: Schools around Xiaojin release new enrollment information, giving priority to school-age children with real estate and household registration in this district, then enrolling school-age children with real estate in this district, and finally enrolling school-age children with temporary residence permits in this district.
2. Rent a house: You can only go to private aristocratic schools or regional schools, and there are still places after you enroll qualified children. No military service is willing to hand over the place where children study to others.
Conclusion: The educational resources obtained by renting a house are worse. If you can't rent a house that can be rented for a long time, you will face the risk of moving. At this time, does the child face the risk of finding a new school and adapting to the new environment?
Third, spiritual satisfaction.
1. Buying a house: No matter where you are in the world, you will worry about where your home is. I will come back from time to time. As soon as I entered the room, I relaxed. I don't have to worry about the rent increase or the landlord's default.
2. Renting a house: The rented house is hardly a home, just a place to live. In view of the landlord's breach of contract, many people say that there is a contract constraint, but the problem is that the breach of contract is generally to compensate the tenant for one month's rent. This is nothing to the landlord, but it is a bolt from the blue to the tenants, especially those who have children who are still studying.
Conclusion: Buying a house can make you feel the warmth of home, while renting a house can't be said to be useless, but it may make you feel less.
Four. Spatial comparison of appreciation
1. Buying a house: After the mortgage is paid, you can still keep a house. If you are lucky enough to appreciate quickly or encounter demolition, you can still get a lot of benefits.
2. Renting: No matter how much the house appreciates, it is also the landlord's, which has nothing to do with you, and your rent is used by the landlord to charge the mortgage or continue to invest in other projects.
Conclusion: Buying a house is to work for yourself, and renting a house is to work for the landlord.
Summary: If conditions permit, trying to buy a house is definitely a better choice, but after all, the pressure to repay the mortgage is also great, and it must be decided according to your own economic situation. It is not that we must buy a house, but that buying a house when conditions are available is indeed a relatively safe choice.