For the house, it's either full or not。
If it was for the purpose of emptying the savings of the house for generations, and for the purpose of making a loan for 30 years, it had been the largest asset in the past and was now the largest debt of a single person。
You know, the house was supposed to be a weather-shielding harbour, but in the present it became a burden and a disaster for many。
It emptys the savings of generations, constrains the dreams of young people, and plunges countless families into a cycle of “housing for themselves”。
Of course, the house here, more specifically, refers to mortgages, which, in the absence of which, remain the happy harbour。
Why does everybody talk about houses all the time
The main reason is to get married, to go to school, to get married without a house, to go to a focused school
Therefore, parents in both rural and urban areas do everything in their power to buy their children a house for marriage, and with it they do not have to worry about getting married or having a house, much less about going to school later on。
For ordinary people, however, even if the house price is changing, the down payment for a flat is still a “life savings” for generations to come, in addition to bank loans, most often for 30 years。
The reason for this is also very simple, as currently married houses, starting with three rooms, with less than 100 flats, cost hundreds of thousands of people in the first place。
After the down payment had been paid, 30 years of mortgages had been carried, and they had become slaves。
Next is the preparation of maintenance funds, taxes and property charges, which will cost tens of thousands of dollars。
When it comes to renovation, it will be necessary to prepare about $200,000 for renovation before it can move in。
My colleague wang, in previous years a 105-square-square house had been bought because of the fact that he had been married to buy a house, and all the savings of his family had been emptied, together with a loan。
At that time, the king's salary was good, with more than 10,000 a month and more than 6,000 mortgages to be repaid, and he felt less stressful and affordable。
When the house was taken, it was only a momentary joy, because the next thing was a $1. 2 million renovation, and the kings couldn't get it out。
But there's no way to stay without the renovation
Later, it became impossible to do so, and the renovation loan was used to make simple improvements to the house, which resulted in an increase in the amount of repayments and increased pressure。
When living in a new house, wang said that her quality of life had not improved, but that she was tired of living longer than before, and that the monthly budget was like a never-closer of water, and that wages had been absorbed by mortgages, and the original asset-value-added illusion had turned into a cost of silence on the books。
So buying a house is sacrificing a lot of lives. How many dreams wake up at midnight, and a lot of house buyers are thinking, if only they hadn't。
You know, most buyers are not so lucky and are locked in。
At the time of the fire, they had entered the city, and the houses that they had purchased had fallen to the point where they were not worth enough to repay bank loans。
That is to say, after selling the house, it is not enough to repay the bank's loans, and to repay the bank's loans, it has to borrow from outside, which is called “lending back”。
As a result, many people appear to be living in houses, but have actually become “debtors”。
It is also because of the price of the house that some people have chosen to cut off the loan, prefer the bank to collect it, prefer the letter to pay back the loan, because they are unable to do so。
In short, it's when the house price will rise, nobody knows, and the heart will die。
The value added of assets becomes a distant illusion, and considering the monthly salary paid to them, the first half of the record is swallowed up without pressure。
If the money was in their own hands, perhaps back home, with a few side jobs, it would have really been possible to realize the desire to “leave from work”。
I thought of li, my high school classmate, who had just started to grow up in the big cities, made a few years of money, saved more than a hundred, and decided to go back home and develop in the counties。
They said he's confused and that he can't go back to the county
It's just that he's sober。
As li returned to the county, he obtained 80 of the best places in the county, bought a school space and then spent another 20 on renovations。
A girlfriend was then discussed, married directly and chose to settle in the county and live a long life。
Little lee's children are now in school, and although he earns little or about $5,000 for his work in the county, he earns more than a million a month as a result of his technical skills and a few side jobs。
It is important to know that consumption in the counties is not very high, that there is only one child in a dual-career household, that parents live in rural areas and that they can help, with little or no cost。
As a result, 60 deposits remained in banks over the years。
When they chose to develop in large cities, they were largely unable to pay off their savings and their monthly income was used to repay loans。
It is therefore exhausting to be afraid to consume, to live under great stress, to challenge life, to be afraid of unemployment and to live。
But li is different and lives slowly in the county, with a very high rate of happiness and special comfort。
Now that the house is mentioned, it must be redefined, after all, as the home of life, not the whole of life。
Do not be easily tied to a mortgage for a lifetime, do as much as you can and leave room for breathing。
Real happiness, though light with the house, is not just the house, but the people in the house, are comfortable, comfortable and warm。
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