Bank: The house already has you to work for it.
I really regret buying this house. The down payment is 200,000 yuan, the loan is 700,000 yuan, the interest is 300,000 yuan, and the total cost is more than 1 million. The monthly payment of more than 4,000 yuan has been repaid for more than a year, but the principal is only more than 10,000, and the rest is all interest, which is distressing. That means I'm going to work for it for 30 years, and I've been working for a bank all my life. After the salary arrived, before it was hot, bank interest had to be paid. I'm in my early 30s, and I don't know if I'll live to pay off my loan by then.
Parents also lent out some funds to make up the down payment, and the monthly mortgage can only be repaid slowly.
The monthly salary of more than 4,000 yuan, plus his wife's 2,500 yuan, is barely enough to pay for mortgages and other expenses, and sometimes even not enough. Affected by the epidemic some time ago, the factory only paid basic salaries, and the wages of the two people added up to only enough to pay for mortgages and other expenses, and sometimes even not enough, and there was no hope of raising salaries. Now I can only barely maintain food and clothing, and I can't enjoy life.
There are almost few thousand yuan of property fees, heating bills, gas bills, water bills and other expenses every month, and there is almost nothing left after deduction, so I am embarrassed to ask my parents for help. It is really difficult for parents to borrow money from relatives and friends. In order to pay off the mortgage, we applied for multiple credit cards, cashed out back and forth, and now we don't know how much the credit card overdrafted.
Before I bought a house, I could occasionally go out to eat and order takeout with friends, but now I can only do it myself or take the bus to work. A few days ago, my wife wanted to buy more than 500 yuan of skin care products, because of this matter we had a fight, and now she goes to work every day without makeup, and I also feel sorry for her.
Many people's lives are the same as ours, the salary of colleagues is also more than 4,000 yuan, his wife opened a cake shop a few years ago, and she can earn more than 10,000 a month when the business is good, but the epidemic has affected the business, and the income has dropped a lot. The two can only live on their husband's salary of more than 4,000 yuan. She also said a few days ago that she would hang the house to an agency to sell, and rent the house. I'm thinking about this too. When you bought a house, the price was high, but now that the house price has fallen, you may lose a lot of money selling second-hand. I don't know what to do now, so I have to take it one step at a time.
Although cashing out with a credit card can cope for a while, I always lose sleep when I think about issues such as the cost of my children's education, and I don't know when I will get through.