In the relevant institutions, "it is said that at the age of 25, I will start buying a house and make a down payment. Did you buy it? " In the questionnaire survey, 5 1.43% of the respondents are post-90s, and 1% of the respondents have no house.
In "How did the down payment fund for the expected or bought property come from?" In this option, the proportion of "self-savings (including joint savings by husband and wife)" and "parental support" is equivalent, accounting for 56.6% and 50.94% respectively. Many interviewees told reporters that it is still very difficult to buy a house on their own in Shenzhen, but it is a small probability event to buy a house in Shenzhen without the support of family members after 90.
Among the payment methods, 86.02% of the respondents chose "mortgage". 47.86% of the respondents expect to buy a house at the age of 30-40. Only 2.86% people chose the option of "I can't buy a house for a lifetime". Miss Liu, who works in Futian, said that if she can't buy a house in Shenzhen for a lifetime, she might consider buying a house in Linshen District. After all, I hope to settle in Shenzhen and buy as many as possible even if I am far away. Another interviewee, Mr. Chen, thinks that instead of shouldering a heavy mortgage, it is better to save money to buy a house in his hometown, and there is also leisure in his hometown. In "If you can't afford to buy a house in Shenzhen, where will you consider buying a house?" Among these questions, 48.57% of the respondents have the same idea as Mr. Chen.
As for the statement that "parents pay down payment or buy a house in full", the proportion of the three options is equivalent. Ms. Ma, who is engaged in education, said that although the down payment was given by her parents, the monthly payment was her own after all, and she could not be regarded as an old man. Miss Li also said in the interview that it is understandable to ask for support from parents without affecting the quality of life and causing too much economic pressure. Some respondents did not agree with this. One interviewee thinks that after having the ability to make money independently, he hopes to create wealth by his own hands, not with his parents' money. Some post-90 s respondents also said that they may use their parents' money to pay down payment in the future and then return it in installments.
The story of buying a house after 90 in Shenzhen
Mortgage is both pressure and motivation.
Miss Yang: Engaged in financial work.
Year of birth: 1990
Property: Longgang District, with two bedrooms and 52 square meters.
Miss Yang, who has been working in Shenzhen for three years, rented in Futian before buying a house. At that time, the monthly rent of a small single room reached more than two thousand. She wanted to rent a big house, and after looking for a house, she found that most of the houses were rented at 3,000 to 4,000 yuan. After considering the advantages and disadvantages of monthly rent and monthly payment, she decided to buy a house. "The monthly rent is similar to the monthly payment. It is better to pay a down payment and a monthly payment. The house is still your own." Miss Yang told reporters.
After putting forward this idea at home, parents expressed their support. So, after her savings and her parents' savings made up a down payment of 600,000 yuan, in March 2065,438+2004, Miss Yang bought a small two-bedroom apartment of 52 square meters in Longgang District, with an average price of 25,000 yuan/square meter at that time.
After becoming a homeowner, Miss Yang also became a mortgage owner. She needs to pay back the mortgage of 5000 yuan every month. She admits that the initial mortgage of 5,000 yuan still made her feel pressured, but later found that this amount was actually similar to the previous rent.
In addition to paying off the mortgage by salary, Miss Yang now runs a Taobao shop, which is a "small boss selling navel oranges in southern Jiangxi", to generate income and ease the pressure on the mortgage. She said that she didn't plan to open a Taobao shop before, but now she is seriously working as a sideline after buying a house. In addition, I will invest in stocks and try my best to make money. "After buying a house, my mentality will change. In order not to affect my basic life, I will have a heart more eager to make money. " In Miss Yang's view, mortgage is both a pressure and a driving force of life. She said that when you have financial pressure on your mortgage, you will have greater motivation to earn money. At the same time, it will also strengthen its investment and financial management concept and use the money where it is needed.
Prospective couples buy a wedding room and choose a bright future.
Miss Li: I work in the medical industry.
Year of birth: 1990
Property: Guangming New District,160m2, four rooms.
Miss Li and her fiance came to Shenzhen on 20 12. After coming to this city, they decided to stay here in the future. In Miss Li's view, housing is the first problem to be solved if she wants to take root in Shenzhen. After seeing the houses in Luohu, Futian and Nanshan, Miss Li found that the housing prices in these three districts are relatively high and the pressure of life is relatively high, which may reduce the quality of life because of economic pressure. Coincidentally, in August of 20 13, the couple was admitted to a unit in Guangming new district, so they chose to buy a house in Guangming new district. 20/kloc-in June, 2004, they bought a set of four rooms with a price of160m2 in Guangming New District, with a total price of 2.7 million yuan and an average price of16700m2. 900,000 down payment, which is what the couple hesitated for a long time. However, with the support of both parents, they bought the property without affecting the quality of life of the two families.
Miss Li told reporters that Guangming New District was chosen because the local ecological environment is better, the future career development is there, and the house price is lower than that in the urban area, which can alleviate certain economic pressure. She thinks the new district is a better choice for the post-90s generation. "After 90, I want to take root in Shenzhen. The housing price in Guangming New District is relatively favorable to the post-90 s, which is different from the mature Futian, Nanshan and Luohu. The new district has a short development time and a large space, and young people can display their fists here. " Miss Li said.
0.2 million/200 thousand dowry is simply used to buy a house
Jiao Jiao: Engaged in media work.
Date of birth: 199 1 year.
Property: 33m2 apartment.
When Jiao Jiao's mother jokingly told her that the future dowry would be 200,000 yuan, Jiao Jiao did not expect that the dowry would now become a house. Jiao Jiao recalled that her mother smiled and said that it was better to buy a house with 200,000 yuan. But under the high housing prices in Shenzhen, she thinks this is impossible.
By chance, Jiao Jiao was told by a colleague that a real estate was for sale at the end of the day, with a down payment of about 200,000 yuan. She was moved. After learning this news, Jiao Jiao went home in the morning 1 and immediately woke up his parents to discuss buying a house with them. Her sleeping parents thought she was dreaming.
Although the down payment of 200,000 yuan is a dowry given by parents, Jiao Jiao pays more than 3,000 yuan per month. She admits that girls like to buy clothes and cosmetics, and this amount will still be under pressure occasionally. But both girls and boys should have a house of their own. The house is big or small, and the house is home. After all, it is a shelter from the wind and rain. Moreover, the house can be used as an investment, and it is also a new way of financial management.
(The above answers were published on 2015-12-21. Please refer to the actual situation for the current purchase policy. )
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