Faced with the high housing prices in Suzhou, is it better for migrant workers to buy a house or rent a house?

According to the investigation and analysis of many netizens on factors such as high housing prices and convenient work in Suzhou, one netizen gave his own analysis conclusion on whether migrant workers born in 1980s should buy a house or rent a house in Suzhou. I came to Suzhou for six years and witnessed the development of Suzhou and the development of Suzhou real estate. Due to various factors, I failed to catch up with the good times of buying a house before 2006. I plan to buy a house recently, but if the house price fluctuates wildly during this time, I will raise the flag again. My analysis is as follows: The following is for part-time workers. Rent a house-I did a preliminary calculation. I bought a house with a loan of 500,000 yuan for 30 years, and the interest was 300,000 yuan. If this 300,000 yuan is used for renting a house, the monthly rental expenditure will be 1.5 million yuan. The house rented in Suzhou should be very good, and it is convenient to change places at any time. With the current income, there is no problem to have a net surplus of 20 thousand yuan every year. If renting a house for 20 years is theoretically pure, it will definitely be implemented after 20 years. After all, we are lucky after the 80s, and there are more people in our generation. Then 20 years later, it is not bad for me to buy a house for the elderly with my own 400 thousand. Buying a house-the first is that the child's account can be solved in the future, and it is convenient to study. Second, I feel at home. The future work revolves around the house, which is stressful and frugal. Another worry is that house prices have exceeded the purchasing power of most people, and there may be a risk of price reduction in the future. After all, the United States, Japan and Canada have all experienced it. ZF will always fail. That would be a disaster for us. It's not easy to earn some money. Related user comments: 500,000 house+300,000 loan = 800,000. Suppose you rent a house for 2000 yuan a month. The rent-to-sale ratio is 400. In foreign countries, the rental-sales ratio of more than 200 yuan is already very high. The rent-to-sale ratio exceeds 300, and young people basically do not choose to buy a house. First, I don't have the strength; second, I don't have the need. Whether the house you buy appreciates or depreciates, you still live in it. It doesn't mean much. So it is better to buy a house rationally. Hukou and children going to school are really a big problem. If you save the money for buying a house and repaying the loan, it is also an option to send your children abroad to study after nine years of compulsory education. There is no need to be confined to domestic higher education. I think, if there is no strength, renting is the first choice. Related netizen comments: If the economic situation permits, you can consider second-tier houses, at least the first choice to fight inflation. However, if installment payment is not agreed, the price of the house will definitely fall for a long time. In the first half of the year, we can see that the national credit has been released a lot. At present, people don't feel inflation, probably because most of the money flows to the middle of real estate. You may have watched the news. Recently, several countries are tightening credit, and our country is also putting out the wind. Although I'm not sure, I think as long as inflation shows some signs, it must be tightened. During this period, real estate may drop a little, but our money is not worth the candle. At the very least, it is practical to buy a house, otherwise it is not an expedient measure to rent it all the time. Generally speaking, if the real estate price is not reduced, everyone will have at least one bowl of rice to eat. If it plummets, I don't know how much impact it will have. I'm afraid how many people are still bleeding.