In this regard, the real estate network experts gave the answer: If you want to buy a house in Shanghai, the annual family income needs at least 344,000 yuan! What's more, I bought an ordinary commercial house, and the price is near the average line. If it's a mansion, don't even think about it After all, there is also a story about Tomson, a luxury house in Shanghai, on the Internet. A house alone costs hundreds of millions, and a family with an annual income of only 30,000 to 40,000 can't afford such a house for a lifetime.
If you want to buy a house in Shanghai, you need at least 5 million yuan, and the down payment is at least 1.5 million. That is to say, a family with an annual income of 344,000 yuan needs 4-5 years to make up the down payment for buying a house, and then it has to bear the monthly payment of nearly 20,000 yuan from the bank every month. In this way, a family with an annual income of 344,000 yuan is still under great pressure.
More importantly, although Shanghai is the most economically developed city in China, the income of most Shanghainese is not high. For example, in the first quarter of 2020, the per capita income in Shanghai was only 1962 1 yuan, so the annual income was only 78,484 yuan, and the annual income of two people in a family was only156,000 yuan, which was less than half of the minimum threshold for buying a house in Shanghai. In this way, at least 80% or even 90% of people working in Shanghai can't afford to buy a house in Shanghai! Of course, the house here is an ordinary three-bedroom, 100 square meter. If it is a small apartment of 50 to 60 square meters, it may not be so difficult to buy a house. It is estimated that most of them can afford to buy houses, which is also the reason why apartments designed by developers in big cities are getting smaller and smaller.
But the question is, is it worth spending so much money to buy a house in Shanghai? Although the resources of first-tier cities like Shanghai are much better than other cities, is it really worthwhile to spend several times or even ten times more money on buying a house than other cities for this resource? I do not think this is necessarily the case. Just like a person who bought a house in Shanghai in our village said: Although I bought a house of more than 50 square meters, it was better than when I rented a house. If he wants to settle in Shanghai, he has to buy a big house. Unfortunately, a big house is beyond the affordability of ordinary people. You should work in Shanghai for a few more years while you are young, and then go back to the provincial capital or hometown to find a lighter job when you are old.
In fact, my view on buying a house has always been that if you have enough financial strength, you should buy it when you should, but if you feel that your financial strength is not enough, or the pressure will be great after buying a house, don't buy it. Anyway, renting a house is not much worse than buying a house, and renting a house in most cities can also let children go to school.