As a place where people live, houses have always attracted much attention. The reason for this situation is mainly due to the influence of traditional ideas. Because in the hearts of the people on the mainland, the house is not a cold building, it is not only a place for the people to live, but also to give people a sense of security. Therefore, under the guidance of this kind of thinking, more and more ordinary people have joined the army of house buyers.
According to the data released by the National Bureau of Statistics, as of 2021, the sales area of commercial housing in the mainland will be 1.79 billion square meters, an increase of 1.9% over last year; the sales of commercial housing will be 18.2 trillion yuan, an increase of 4.8% year-on-year. Among them, the area of new housing starts is 1.99 billion square meters, and the area of new residential starts is 1.46 billion square meters. According to the data analysis, it can be concluded that the demand for national housing is growing day by day.
In addition to these people who want to buy a house, there are many people who would rather rent than buy a house. According to the survey data released by Fangtianxia, as of 2021, among the tenants surveyed, 40.5% are willing to rent with 20% to 30% of the wages, 29.8% are willing to rent with 10% to 20% of the wages, and 10.8% are willing to rent with 30% to 40% of the wages.
It is not difficult to see from the data that the number of renters in the mainland is quite large, and these groups are willing to spend money to rent. We all know that today's house prices are generally higher, and people are reluctant to buy a house, which makes sense, but there are also benefits to buying a house. Therefore, whether to choose to rent or buy a house has always been a hot topic of discussion among the people. So, which is the best deal between buying a house and renting a house? Let's compare 4 points to make it clear.
Life stress
As we all know, the current house price is relatively high, although there are many people who buy a house in full, but most people still can't afford it. If you want to buy a house, then prepare at least a down payment of hundreds of thousands. According to data released by the National Bureau of Statistics, as of 2021, the per capita annual income of mainland residents was 35,128 yuan, an increase of 9.1% year-on-year. Although the income of ordinary people has increased a lot compared with previous years, it does not mean that they can afford to buy a house, after all, all aspects of life need to spend money.
It can be seen from the data that although the annual national income has increased, it is still far from enough to buy a house, and it is usually possible to choose a loan to buy a house. However, once you are saddled with a mortgage, then the pressure of life is very large. If you choose to rent a house to live, then the pressure of life is not only relatively easy, but also able to save a certain amount of savings.
quality of life
If you choose to take out a loan to buy a house, you will become a "house slave". We all know that the life of a "house slave" is actually not good. Because in addition to subsidizing the family, the monthly salary also has to repay the loan on time. If during the repayment period, we have no economic income due to unemployment or other factors, it is easy to lead to overdue mortgages, and even more seriously, we will lose our houses.
However, if you choose to rent, then there are relatively no such risks, so the quality of life will be better. However, it should be noted that the house is rented after all, so it cannot be decorated as casually as your own house. If we encounter a landlord with more demanding leasing requirements, we also need to compensate the other party for losses. Not only that, but if the landlord doesn't want to rent, we need to find a new house.
Commute time
As a worker, when we look for a job, we care most about the commute time. If the work place is close to home, the commute time is shorter; if the work place is far from home, the commute time is longer, and the location of the house is equally important. If the house is rented, then it can be moved with the change of work; if the house is bought, then the scope of the job search will be affected.
Value-added space
We all know that in addition to being habitable, there is also a certain amount of value-added space in the house. While it's hard to carry a mortgage, once you've paid it off, it means owning a real estate that can appreciate in value. If the house you buy is located in the core lot, the more room for value-added, which is incomparable to renting.
On the other hand, although the quality of life is better, the rent we pay is given to the owner as a wedding dress. If house prices rise, tenants will also face the risk of rents rising or looking elsewhere. At the same time, it is not your own house after all, so for most tenants, renting a house does not give a sense of belonging.
All in all, buying a house has the advantage of buying a house, and renting a house has the advantage of renting a house. However, if you want to choose one of the two, then it is better to buy a house. According to the data released by Fangtianxia, among the interviewees, 63.1% chose to save money to buy a house, and 27.4% chose to rent all the time. From the data, it can be seen that the mainland home buyer group is much higher than the rental group.
So whether we are renting or buying, we need to consider the above 4 aspects. Because only then will we be able to make a more correct choice. What do you think? What do you think about the question of whether ordinary people should buy a house or rent a house? Why not tell me what you think in the comments section!