It is easy to fall back into poverty in middle age, and it is important to go to high leverage in the next few years. A middle-aged friend gave birth to a second child, felt that the house was not enough to live in, and wanted to sell the existing property for about 4.5 million, and then take out a loan of 4 million yuan to repay it in 30 years, with a monthly payment of more than 20,000 yuan. The income situation is that her husband's monthly salary is more than 30,000 yuan, she does not go to work with her own children, and it is difficult for her to be reemployed in middle age with a graduate degree.
The house has not yet been sold, and the deposit of 700,000 yuan for the new house has been paid, and the existing house has been hanging for a long time and cannot be sold.
My opinion is:
1. The leverage is too high, and it is likely to be high risk in the future. It should not be that the house in hand has not been sold yet, and the new house has been subscribed.
2. The existing house is not easy to sell, it is not a problem of decoration, but there is no market, some people see that no one buys it is normal, reasonable storage of sundries, so that the space feels bigger and keep it clean, there is no need to renovate, the cycle cost is too high.
What do you guys think?
#Talk about the mid-life crisis# #The pressure of having a house to be left behind# #Thinking about the post-80s pension# #书法爱好者#
