My hometown is 10 km away from the city. Should I build my own house in my hometown or go to the city to buy a house?

The main purpose of buying a house is to study for children. No way, I can only buy a school district house in the urban area first, and then sell it after reading the book (it should not lose money). No one can predict the policy changes after many years, so take it one step at a time. According to your current income, the cost of a household scooter is 1- 1.5 million/year, which should be affordable. If you can afford to buy a small set in the city, you should also build it at home (not decorating it for the time being). I don't know about your family. I have been there before, and my personal opinion is for reference only.