If you had a little money, would you rent or buy a house?
I believe that many people will choose to buy a house.
But some people think differently and choose a rental letter, such as:
A powerful renter in Shenzhen said:
Don't look down on people who don't have a house, take me as an example, I don't have a house, I have millions of savings, and I never care about whether the house price will drop or not, because I plan to rent a house.
The average price of a house in Shenzhen is about 60,000 yuan / square meter, a 90-square-meter house is more than 5 million, a down payment of 1.5 million, a loan of 3.5 million, and a monthly payment of more than 17,000 yuan.
I put 5 million in the bank, 5 years of fixed interest rate of about 3%, a year of 150,000 interest, I can not use up to rent, in Shenzhen if the budget is 7-80,000 / year, you can rent a relatively good elevator room, I still have 7-80,000 left, rent a house for 5 years, I can save about 35-400,000 more, the degree is not needed, I choose private children to go to school, and I want to live where I want, I am not happy to change places at any time.
On the other hand, those who take out loans to buy a house have emptied all their family savings, and finally made a down payment, and they have to become a house slave to repay the loan, and once the payment is cut off, the down payment is gone.
I now have millions of cash in my hand, I don't panic at all, I can fire my boss after I don't go well at work, I can go wherever I want, I can spend as much as I want, no pressure, and I live a comfortable life.
There is also a 37-year-old brother in Beijing who said:
Don't buy a house, no matter whether it falls or rises in the future, the fluctuation in recent years is enough to make us ordinary people anxious to death, and we have to decorate, basically we have to empty our pockets at once, the near ones can't afford to buy, the commute is very hard to commute far, and once you change jobs, you will collapse even more.
It is better to deposit 75% of the money in the bank, save more than 3 interest rates for many years, and the remaining 20% can be combined for financial management, insurance can be considered for arrangement, and then the remaining cash is reserved.
Therefore, many 40+ middle-aged people who have the same idea come out to rent a house, they don't say that they can't afford to buy a house, they can afford to buy it, but they think that renting a house will make it better.
Some people even sold their original houses and came out to rent a house to hear what these people had to say.
Netizens @coco working hard to save money:
My original house is a ladder, 125 square meters, the city center, but the surrounding facilities are general, the location is general, the age of the house is 18 years when it is sold, more than 10,000 square meters, it is 3 times that of the time of buying, thinking about the idea of investing in profit, so I sold the house.
Then, I found a very good environment outside to rent a house in a community, I really didn't expect that after living for half a year, I fell in love with this kind of life, and after selling the house, I held the money that I couldn't earn in my whole life at work, and lived in an environment that was several times better than what I could buy.
Netizen @Dong Fen:
I used to be obsessed with the house, and I felt that the house I bought felt like home, but then I found out that where I am, home is there, the family is harmonious, and I am happy wherever I live.
In addition, renting is so free, and you can flexibly change the location and size of the house according to different stages of life and different needs.
Before giving birth to a baby, my husband and I both went to work and rented in the middle of our two companies, and when I had a baby, I resigned to take the baby and rented it next to my husband's company, and he only needed to walk for a few minutes to work, saving a lot of time to accompany the child, which greatly improved the happiness of the family.
Collective household + lease filing solves the problem of children's study, and when the child ends his nine-year obligation to study in high school, if necessary, we can rent next to the child's school, if the parents need to live together for a long time, we can change to a larger house rent, if you meet a neighbor who is not easy to get along with, and you can't communicate to solve it, then move, change to a better environment, and meet a bad landlord, then I will change to a good landlord, I have money in my hand, where I can't rent a good house.
Later, when my children go to college, my husband and I will go to different cities to rent a house to live in and feel the customs of different regions. Isn't the house also a siege in a way?
Netizen @momo said:
I also think that renting is cost-effective, Guangzhou 5,000 can rent 8 million houses, I feel that the landlord is working for me, I close my eyes to buy large items, a piano and two zither I have not worried, furniture and appliances are never settled, is it worth worrying about paying a moving fee?
What else was kicked out by the landlord, before the contract period they dared to drive me out and even the landlord with the intermediary company to sue, and said that often moved, who is a good person who does not change the house in his life, I changed the house four times before the age of 20, my own house will be tired of living, not to mention other people's, it is interesting to change frequently.
Zhang Xinyi would rather spend 10 million yuan to rent a house in Shanghai than buy a house, she said that a rent is 70 years, 2 million yuan per year, and 10 million yuan in 5 years, and this 10 million yuan is only one-tenth of the down payment for buying a house, so she thinks it is more cost-effective to rent a house.
(1) It's not good to rent when you're old
When you are young, there is not much problem with renting a house, but once you are older, you may not be able to rent a house, and generally landlords are reluctant to rent a house to the elderly, for fear that there will be no place to go for the elderly at that time, and there is only a high-priced nursing home as an option.
(2) There is a possibility of being evicted by the landlord
Some people say that if it is your own house, furniture and electrical appliances or something, they are all bought for good, and the layout must be what you like, dishwasher, sweeping robot, etc.
But if you are renting, you will feel like you are under the fence, and you don't dare to buy this or that, for fear of being evicted by the landlord, so the quality of life is not as good as your own house.
(3) The problem of children going to school
Compared with buying a house by yourself, children will go to school, and renting a house will be more passive, especially in the central city, the enrollment situation of public schools is not very friendly, and you may not be able to go to the school you want to go to, and the rental allocation is basically the worst school in the area.
(4) Renting a house is looked down upon
Many people think that renting a house will be looked down upon, and some netizens said that in the first two years, because there was a confirmed diagnosis on their floor, the entire floor went to centralized isolation.
There are people on the transfer car who complain that it is the diagnosis of 809, and it is still a tenant, which sounds a little disgusting, and the people who buy the house always think that they have a sense of superiority when they see the renter, and feel that the tenant is poor and has no quality.
(5) You can't rent a house and marry a wife
Now when it comes to marriage, the first condition is to have a house and a car, rent a house, even if the man is handsome and motivated, it is difficult to find a wife, no way, the reality is firewood, rice, oil, salt, sauce, vinegar and tea, life will really wear out a lot of beauty, and the economic foundation determines the superstructure.
(The picture in the article comes from the Internet, invaded and deleted)