Xiao Hao from Beipiao
15 Xiao Hao, who worked hard in Beijing, plans to marry his girlfriend on 20 16. He is looking around in the suburbs of Beijing, but on February 2, a notice from the central bank and the China Banking Regulatory Commission made him uneasy: the down payment was reduced to 20%, which means that the threshold for him to buy a house in his hometown of Zhengzhou has dropped.
Do you want to insist on buying a house in Beijing? This Spring Festival is just the time to look at the house. Xiao Hao saw the discussion in the group of villagers buying houses. Although he didn't make a statement, everyone's speeches had an impact on his thoughts.
Xiao Hao belongs to the kind of person who works in a big city, but it is difficult to buy a house. I can't afford a house in a big city. Do you want to go home and buy a house?
There is another story.
A few years ago, two post-80s girls, Krishna Kumari and Lulu, both bought houses in their hometown. Both of them are foreigners working hard in Shanghai, and neither of them is married. The willingness to choose to buy a house in my hometown is surprisingly consistent: the housing price in Shanghai is too expensive, and the savings in my hand are much worse than the down payment. Buying a suite in your hometown is a guarantee for yourself. All the friends around you are married and have children. You only have a sense of belonging and security by relying on the house.
Although Krishna Kumari and Lulu are still single, the news of Krishna Kumari's promotion hasn't come yet. In a rage, he chose to resign and return to his hometown of Chengdu. The slow pace of Chengdu is Krishna Kumari's favorite, but there is always a little strangeness. ...
Krishna Kumari plans to sell the house he bought after the New Year in China, and then buy a big house to live with his parents.
Lulu, who is bent on going home and working hard, has ushered in new opportunities. Her friends invited her to stay in Shanghai to start a business. The house in her hometown in Shaanxi is still a rough house because she can't live in it.
But now houses in Shaanxi are depressed, and house prices are falling instead of rising, so it is difficult to rent them. If the same house is in Shanghai, the price will double. What's more, I still have my monthly payment, and my savings have been hollowed out. The only comfort is that this house is the guarantee of her entrepreneurial risk. Even if she fails, she will have a way out.
The "temptation" to go home
Whether to go back to China to buy a house is really a topic in China, and the above story is just an example. However, the reality is that second-and third-tier cities have limited room for appreciation, so investment does not need to consider these cities; If you plan to go back to your hometown to work hard, you can consider buying a better house. There is no risk in self-occupation and rental. Even if you haven't returned home, your house is still creating value for you.
(The above answers were published on 20 16-02-06. Please refer to the actual purchase policy. )
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