Yesterday, I repaid 300,000 mortgages, and 400,000, which is planned to be repaid within three years.
When I say lying flat, I actually don't mean not to earn money, or to earn more and earn less with fate, and no longer force myself, so that there is no anxiety in my heart.
The mortgage is the biggest pressure and leverage for every household
I used to firmly believe that mortgage is a good thing, because the bank has such a large amount of money for you, let you buy a house, buy a house is also a high yield in financial management, thirty years of mortgage, serious currency depreciation, this little money after thirty years basically has no value, that is to say, inflation will dilute your debt to benefit you, so the first home loan is the welfare of the state to everyone, everyone should use it, but this cognition is now a time has passed. Now my perspective has changed.
现在没有更好的理财方式来覆盖房贷利息了。
In the past, the financial income was very high, it was just exchanged, and the price of assets such as houses was also rising, so if you could take money out of the bank, the income could easily exceed the interest rate of the bank loan, and you could eat the interest difference, so you would benefit.
For example, if you take money out of a 5% interest rate on a bank loan, your house price increases by 10% every year, you borrow 1 million, then every year you have a 5% interest difference and earn fifty thousand. If you have money in your hand to earn 10% of the income, if you pay it back in advance, you can't get it.
But now the balance of the treasure is already 2%, the bank large deposit certificate for three years is only 3.5%, the financial management is not just exchanged, the house does not rise in price, the stock market is a pit, the entrepreneurship does not dare, then even if your bank loan interest rate is 4%, it is not as good as paying him back in advance, because you can not let the money in your hand to do a risk-free 4% return, so it is right to repay the money.
Risk-free interest rates are on the downside
Will there be a higher return on a house than the interest rate on a bank loan?
Now under the strong regulation of the state, people's expectations for house prices to rise again have disappeared, but I still have confidence in this, I am sure that the scarcity of houses must decline more slowly than paper money, so there is no problem with long-term price increases in houses, but it is also necessary to divide into places, and rural townships are hopeless. Three or four lines and two lines and one line are possible.
So in theory, there is no problem in buying a house in a first-tier and second-tier city, but there is also a problem, that is, the asset attributes of the house are weakening, and the commodity attributes are also limited, so this uncertainty is also very large.
Therefore, I still think that if you live in your own home, you can buy it, but the investment risk is very large, or don't take the risk.
The financial properties of real estate are declining
Economic downturn, people's income expectations are reduced, and the requirements for the future capital chain are very high.
Now the downward pressure on the economy is large, all walks of life are undergoing drastic adjustments, everyone can not predict what will happen to their industry in the future, decades of time, such a long period of uncertainty is too big, debt gives people too much psychological pressure, but also easy to let the family capital chain break.
The data of these two years shows that the number of legal auction houses has increased sharply, behind each set of legal auction houses, it is the bankruptcy of a family, which is extremely tragic, I think that in the case of this uncertainty in the future, families still have to shrink leverage, reduce debt, reduce investment, prepare sufficient cash to stabilize work, and stabilize cash flow. I'm sure a lot of families are doing this.
Many industries are undergoing dramatic changes
行业的巨变对于我的认知改变巨大
I was not prepared to manage the mortgage in advance, the industry changes in the past two years feel that it is more and more difficult to make money, and superimposed on the mid-life crisis, let me panic, I have no confidence in previous years, so I changed my view to take this step.
In short, I still advise you that in recent years, the family economy should be stable, reduce investment and consumption, reduce the leverage ratio, prepare cash, and do not borrow money, because the future days will be more difficult, and the big era has passed. Adjust your thinking as the times change. Responsible for yourself, but also for your family.