Bund mansions, is it a dream or a nightmare?
[The temptation of luxury houses, what is the cost? ] 】
There is a beautiful employee in CICC who spent a lot of money and bought a house on the Bund in Shanghai, and the location and scenery are simply the princess castle in urban legends.
But on the other side of the story, people can't help but sweat. Her annual salary is only 600,000 yuan, and it is only more than 30,000 yuan a month after tax, plus her husband's income, the two of them together barely exceed 60,000 yuan. But this amount of money is a drop in the bucket compared to the more than 50,000 mortgages that have to be repaid every month. If she encounters a salary cut, unemployment or something, this mortgage pressure is really enough for her to drink a pot.
[The Bund house price, astronomical]
We all know that the housing prices on the Bund in Shanghai are notoriously high. Take Greentown Huangpu Bay Community as an example, with a jump of 200,000 per square meter, a house will cost tens of millions, to say the least. What about the Bund Grand View Garden?
The average reference price is 169884 yuan/㎡, and the second-hand houses are 109,190 yuan/㎡.
These figures, for me as an ordinary person, are simply astronomical, let alone buying, it hurts to look at them.
[Huge loans, great pressure]
This female employee took out a loan of 10 million in one go for this Bund mansion. This number makes people's hearts beat faster when they hear it.
You know, just paying off the mortgage every month is more than 50,000. For a family with an annual salary of 600,000 yuan, even if the monthly income after tax is only more than 30,000 yuan, plus the income of the spouse, it is barely more than 60,000 yuan, which is really stretched. This mortgage pressure is like a sword of Damocles hanging over the head, which may fall at any time.
[Emergencies, where to go? 】
Life is impermanent, who can guarantee which will come first, tomorrow or the accident? In the event of an unexpected situation such as a salary cut or unemployment, the mortgage pressure is like a snowball, rolling bigger and bigger. Although banks sometimes offer services such as deferring repayments and extending loan tenors, these are only expedient measures, and in the long run, financial difficulties will remain. At this time, you will find that the mansion may have turned from a dream into a heavy burden.
[Rational consumption, happy life]
Having said that, for a family with an annual income of 600,000 yuan after tax, if you want to bear the pressure of housing loans steadily, you must have a monthly income of at least 15,000 yuan to be reliable.
But this female employee and her husband, the two of them combined barely exceeded 60,000, which is obviously a rhythm of making ends meet. In the face of the temptation of luxury houses, should we reflect on what is the real quality of life? Is it a priceless house, or can you enjoy every day with peace of mind?
[Conclusion: Mansion and happiness, which is more important? 】
In this materialistic era, we are always easily confused by the light of the outside world and forget the essence of life. Luxury homes are wonderful, but is the stress and uncertainty it brings worth the cost? Perhaps, when we learn to live within our means, cherish the people in front of us, and embrace simple and fulfilling days, we will truly realize that happiness is not far away, it is in every deep breath we take, every homely meal.
So, friends, when you are pursuing the dream of a luxury house, don't forget to look back, that warmth in the ordinary may be the most cherished treasure. After all, true happiness is never built with money, but every moment that is felt with the heart.
Under the aura of the Bund mansion, we see the gap between pursuit and reality. This is not only a matter of personal financial planning, but also a deep reflection on life attitudes and values. In the days to come, let's learn to balance dreams and reality and find our own rhythm of happiness. After all, life is not a race, but a journey, and what matters is not the destination, but the scenery and the people who accompany you along the way.