Real estate mortgage loans buy a house, for our civilians, essentially an expensive personal consumption, not investment. I want to pay special to pay attention to this, because this is closely related to the discussion below.
The roots of the real estate, you should be able to chase after the 1997 Asian financial crisis. China's exports have been frustrated, and they have to start national investment, promote economic development, and real estate as a leverage that pulled the economy. In the days of 97 to 2000, some business owners, wealthy individuals, due to lack of good investment projects, plus housing prices are indeed the lowest point, so they become the backbone of housing. The real estate market will begin to recover slowly.
However, after 2000, the subject of the purchase of houses changed. Some rich middle class, due to the impact of the exemplary effects of the rich class, began to join the ranks of the purchase. Since this level is much more than the number of horses, the price begins to rise.
When the middle class is basically purchased, the ordinary people who have demand, that is, the pay-shek, and when they realize that the housing prices have risen, they also joined the ranks of the purchase. Since they have many people, housing prices began to rise. In addition, the stock market is not shrunk, and a large amount of funds flood in the real estate, and the speculative bubble began.
The main body of the mortgage purchase of the house is precisely the latter class that does not have the most purchasing power. It is also our work class with mortgage in the highest price. This is where the problem lies. Of course there are some speculators, but we are ignored here.
What is the mortgage? There are a lot of media that mortgage is a good thing, mortgage makes you enjoy in advance, mortgage makes your dream come true. However, from essentially, mortgage will make your debt. Let's take a look at the process of mortgage. You go to buy a house and apply for mortgage. Bank pays money to developers, and developers hand over the house. You assume debt to the bank and sign a mortgage contract. In this case, developers are naturally the most risky, and they don't mention it. Bank earned money, you got the house, all happy. Don't pay a rent, save a lot of expenses, cool! But there are several questions, please pay attention, then refresh:
First, the bank loan interest rate is not locked, and the bank's interest rate is in the lowest point of history. Everyone recalled that China's financial history is the history of inflation, or the history of inflation? Considering medical, education, real estate, etc., is the renminbi purchasing power rose? In a developing country, what should I inflate? Is it more inflation? Our salary really has followed the pace of inflation? According to the current trend, China's deposit and loan interest rate difference will be expanded. Please count, if the annual deposit interest rate is increased to about 4% this historical average, pay attention, is the deposit rate, long-term loan interest rate reaches 7% or even higher, you really pay for the house will be How many? Now the loan interest rate is not true, he let someone who can't afford a house is eligible to buy a house!
Second, although the mortgage bought a house, the house is not yours, and the decline in housing prices has a direct relationship. I personally think that buying and finance rental is relatively similar in installment. They are all installments, and the late target is all owned by individuals. In general, the financing rental equipment can produce benefits, and is used to pay the installment payment; but mortgage loans bought a house, not only can not produce benefits, but also spend a lot of money decoration, property fees, heating fees, etc. Wait, coupled with the chance of the down payment in 30 years, and the interest payable. You can count, how much do you spend? I am not saying that I can't spend this money, but if you are more confident than your income, are you so confident? Do you still feel that you save a rent? The common point of the two is if you can't pay the installment payment, the lease party will take the asset. This understands, the original house is not yours, just that you rent from the bank. For your mortgage loan, but it is working for the landlord, and now it is working for the bank. Very cruel, but real is true.
If the economy is depressed, the price fell, the impact on you is not small. Shanghai's house price is 6,000 square meters, the per capita income of Shanghai people a year is 15,000, and a person is working hard for a year. It is necessary to buy a house for 80 square meters for 30 years. The bubble inside the property is unquestionable. If the price fell, for example, from 500,000 to 400,000, the bank's interest rate rises, you are equivalent to raising the current house with the original loan, that is naturally for a month, a month. If you are unemployment, or pay the salary, it is estimated that you only have a house.
Finally, a question that everyone is ignored is the depreciation of the house. How can the house calculate the depreciation? From the practice of foreign practice, it is generally dedicated to desert in 30 years, which is 3.33% / year. Our country is almost like this. But attention, the amortization of people is based on buildings to add land, and for us, we need amortization of the price of the house. But think about it, can we pay for our house in 30 years? Not much to say, save those people who are so-called rooms to hang.
There are a lot of friends around me. They have just graduated, enjoy in Beijing. Because you want to get married, you will buy a house. But what do you do with a penny? Only home support. The general approach is that the man is down payment, the woman is decorated, I believe everyone will see more. Then the young couple started to work, and worked hard to work together. But think about the parents of both sides, if it is not a corrupt official, it is basically contributing.
The house bought, the beauty is holding, naturally is incomparably happiness. But I want to think about it. I am pinching a hijacking in a real purchase. If you think about it, you will spend your mother today, tomorrow's aunt will spend you. Medical prices have risen, and education prices have risen, and the price of houses is soaring. This is a few years ago, the government is always advoluted by the government, and it is clearly inflation! I am anxious to buy a family comrades, forget my parents, forget the children, forget everything. The house has been for children, and the child has been finished. If there is still a strong parent, if there is no energy, it will be self-destruction. If you come to a knife, what is your surgery, it is estimated that it is not so beautiful. Not so much fresh, I don't think they don't know the filial piety, but I just can't catch it.
I want to draw now, most young people think about it, of course, except for cattle, have you ever thought about how to arrange your own life? Do you have to earn how much money you have to earn yourself, your children, your parents' medical, education, pension, and raising the most basic fees? Today, your overdraft consumption, what do you do tomorrow? Relying on the government's pension insurance? Open the company yourself? Still pointing to the lottery? When you come, you are still for your house, and you still owe your debts. What should you do? I believe that the vast majority of people haven't thought about it, and they have not let them think. I dare to assert that if you really do a financial plan, most people will realize how luxurients who buy a house in the end. I'm really qualified to buy a house? Should I really squeeze my parents' coffin to meet the desires you enjoy? Chinese parents are the best parents under the sky, they really have a painsturb. It not only raises the child, but also let the child get married, have children, maybe I have to bring my children. However, we often don't take much. I live in the house, I naturally became the owner of the house. In the case of one hundred thousand in now, what you have to fulfill your obligation.
Some people opposed, they think they can make big money in the future, of course this is possible. But people who make big money are a few.
One day, a friend bought a 150-square-meter house, told us to see, we are really envious. But my friend said, your house is definitely better than us. I have been surprised, I think that I will buy 1 million houses in my heart. He then explained that you look at my classmates, just married the house is not as good as a classmate after marriage, the house after marriage is good, but it is worse than I have to come. So your house is definitely better than us. We laughed together, but I laughed sompete.
People have no serious, there must be near worry, I hope everyone can think about it.
