Loan buyers: the financial pressure is small.
Two years ago, Zhou Xiao bought a hot spring house with a loan from the bank. Soon after he worked, his savings were less than 65,438+10,000 yuan, so he borrowed tens of thousands of yuan from his parents and paid the down payment. With the continuous promotion and salary increase, the monthly mortgage of 1000 yuan is a piece of cake for him now.
Zhou Xiao said that at that time, he borrowed more than 200,000 yuan from the bank to buy a house, and the principal plus interest was more than 300,000 yuan. At first, he felt that the amount was large and he was under great psychological pressure. Later, I got used to it, my income increased, and the pressure was gradually released.
In Zhou Xiao's view, if the job is stable, the longer the loan period, the better. Because the income will continue to increase over time, and the monthly mortgage amount is relatively fixed, the natural repayment pressure is getting smaller and smaller. When the repayment pressure is reduced, there will be more surplus funds to meet other expenses.
Some citizens said that a few years ago, 100 yuan could buy a bunch of things in the supermarket, but now 100 yuan is not enough to buy a pot of some brands of oil. It can be seen that the purchasing power of money is declining and money is becoming less and less valuable. Everyone's income will be higher and higher in the future, and the monthly payment 1000 is nothing.
Personal housing network suggests that if there is a good financial management project in hand, its income is greater than the interest expense of mortgage, and citizens had better choose loans when buying a house. If there is a housing provident fund, it is best to choose a housing provident fund loan.
Some citizens also said that the risk of buying a house with a loan is small. Buy a house in full, run away when you meet a bad developer, and the public loses too much. And loans to buy a house, as well as banks to help the public audit the strength and credibility of developers.
The whole house buyer: debt-free and light
"When buying a house, the salesperson will directly say that the one-time payment is higher than the discount of the loan." Ms. Wu, a citizen, said that she also bought a house and read it with relatives and friends. If she pays the house price in one lump sum, she can save a lot of money by bargaining with the developer.
From the perspective of saving money alone, the full amount is far superior to the loan. For a commercial loan with a term of 300,000 yuan, the total loan interest needs more than 270,000 yuan. The interest is close to the principal.
In Ms. Li's view, the house bought in full is not bound by bank loans and changes hands quickly. Ms. Yu has two houses in Xianning, one full payment and one loan. Recently, Ms. Yu moved her family to Wuhan, so she put two houses in Xianning for sale. The house bought in full will be sold soon, and the money has arrived. It is very troublesome to transfer the house bought by loan, and no buyer has been found yet.
Some citizens think that debt-free is light and there is no pressure to buy a house in full. Mr. Zhang has personal experience: "I can't sleep at the thought of owing hundreds of thousands of dollars to the bank;" Sometimes I dream that I forgot to pay back the money and was chased by the bank; I gave up smoking and tried not to go out to socialize and spend money. After four or five years, I finally saved some money and I paid back the loan. "
Psychological comfort is related to people's happiness. Personal housing network suggests that citizens with weak pressure resistance should not borrow money if they can buy a house in full. Everyone feels differently about loans. Long-term psychological stress and mental tension will bring depression and even other diseases to some people. What do you think of the mortgage problem?