At present, domestic housing prices have been high, and it will cost at least 1.5 million to 2 million yuan to buy a 90-square-meter commercial house in a second- and third-tier city. As a result, the families in need in China are divided into two factions. One faction chose to drain all the family's savings, owed the bank a mortgage for decades, and became a house slave. The other group chooses to rent a house and become "houseless". So, 10 years later, where is the gap between the current "house slaves" and "houseless people"?
In this regard, many experts said that it is better to be a "house slave" than a "houseless family". Because, as long as you grit your teeth and pay off the mortgage, when the mortgage is paid off, the house is a "house slave". And if it is a "houseless family", although the pressure of repaying the loan is gone, but renting a house is still working for the landlord, and the "houseless family" is still empty-handed in the end.
In fact, in the eyes of many house slaves, there are pros and cons to taking out a loan to buy a house. On the plus side, you can quickly realize your dream of housing. In the eyes of some families, "there is a home". Moreover, people who bought houses a few years ago, after taking out a loan to buy a house, saw that the house price had risen sharply, and they had indescribable joy in their hearts. It is worth mentioning that after buying a house, house slaves can stabilize themselves, and they don't have to face the distress of moving often like "houseless people".
However, taking out a loan to buy a house is also flawed. The main reason is that there is a lot of pressure to repay the loan every month, and a large part of the money earned by the house slave has to be repaid the mortgage, and the remaining disposable income is only enough to barely maintain the basic life. This will continue for decades. At the same time, after the "house slaves" paid off the mortgage, they found that the interest they had paid over the years could be used to buy the same house. What's worse is that after paying off the mortgage, the "house slave" found that he was struggling for a suite all his life, and he didn't save the last bit of savings, what should he do in the future?
Of course, there are also pros and cons to being a homeless person. On the plus side, you don't have to bear the pressure of huge monthly mortgage repayments, and you only need to pay a small percentage of the rent. Every month, the "homeless" can also save some money. However, the "houseless people" also have unspeakable distress. That is, if the landlord does not plan to rent out the house, the "homeless people" will move immediately. Therefore, it is really inconvenient for "houseless people" to often have to move. At the same time, if the landlord wants to increase the rent, the "homeless" will have to accept it, or they will have to move out.
In fact, whether it is better to be a "house slave" or a "houseless family" depends on the general trend of the property market and cannot be generalized. If you were going to buy a house 20 years ago, when housing prices were relatively cheap and the real estate market was on an upward trend, it was definitely better to be a "house slave". And the people who chose the "houseless family" back then will regret it because they are more and more unable to afford a house because of the rising house prices.
Nowadays, domestic housing prices are in a downward trend, and if you are a "house slave" in the high area of housing prices, you may regret it. In the current real estate situation, if you choose to be a "homeless", it should be a wise choice. In another 10 years, the current "houseless people" will buy a satisfactory house after the house price returns to a reasonable price and become a big winner in life. Now the "house slaves" who blindly buy houses at a high price will be trapped in the historically high position of housing prices, and the market value of real estate will shrink significantly.
After 10 years, what is the difference between "house slaves" and "houseless people"? If you buy a house now as a "house slave", you will be stuck at the historical high price of housing prices, and you will regret it in the future. If you are a "houseless person", as long as you save your money and wait for the house price to return to a reasonable price, you will become a winner in life. In fact, there is nothing wrong or right between "house slaves" and "houseless people", the key is to look at the trend of the real estate market, not to go against the trend. If you follow the general trend, "house slaves" and "houseless people" will become big winners in life in various trends.