I don't know why I have no interest in buying a house this year, but I didn't do it last year, or even in the first half of this year.
Last year, I looked at Shenzhen's Anju housing several times, some because of the highest quality, and some because of the distance, it was a pity to give up.
After the New Year, I still think that I can buy it, buy it as soon as possible, and give myself a stable home.
Unexpectedly, after a month, I suddenly didn't want to buy a house.
The passion for buying a house is suddenly gone, and the house has become buyable or not.
The requirements for the house are getting higher and higher.
As soon as the real estate I was looking forward to came out, I couldn't wait to see the house as soon as possible, and I didn't think much about the house type and environment.
Now when I see the house, from **, decoration, house type to business, interest, degree, transportation, and surroundings, I have carefully looked at it, and I am a little unsatisfactory, and I may retreat.
After all, if you spend two or three million to buy a house, you must choose the one that satisfies you。"This is my mind for buying a house now, and I believe many people have the same idea as me.
In fact, there are many people like me who have suddenly changed, why is that? I think there are several reasons for this.
It's clear,Buying a house at the age of 30 is different from buying a house at the age of 40
When you buy a house at the age of 30, even if you have a monthly payment of several thousand yuan, you are not afraid, because you know that the income is continuous, even if you are unemployed, it is only temporary.
If you buy a house at the age of 40, if it is a 30-year mortgage, you will have to pay it until you are 70 years old.
Not to mention the age of 70, that is, after the age of 50, can you still have a stable income?
The older you are, the weaker your confidence to make monthly payments, and many of those who just need to buy a house now are middle-aged people who are about to or have entered their 40s. Before buying a house, you have to think carefully about your down payment and monthly payment ability. If you feel that the pressure on monthly payment is too great, you naturally don't want to reduce your quality of life because of buying a house.
In the current environment, whether you are in your 20s or 40s, your expectations for future income are not so optimistic.
Those who have savings in their hands and can afford the monthly payment are afraid of sudden unemployment, salary cuts, and inability to repay the loan, and the house will be auctioned.
Those who can barely scrape together a down payment are even more reluctant to take such a big risk.
Young people who were once full of longing for the future suddenly calmed down, and the future became unpredictable.
In the past, I would make a three-year plan and a five-year plan, but now I can live a good life now.
The reduction in expectations for future income has greatly weakened everyone's confidence in buying a house.
When the house price is **, they all rush to get in the car, borrow money, empty six pockets to buy a suite.
On the one hand, I am afraid that the house price will continue to be **, and if I don't buy it, I can't afford it;
On the other hand, I also want to take advantage of the east wind of ** to make my assets rise.
Now that housing prices are continuing, people's wait-and-see mood is getting bigger and bigger, coupled with the thunderstorm of real estate companies, there are more and more unfinished ones, and everyone is beginning to worry about whether they can live in it after buying a house.
When real estate was booming before, no one would have thought that a city like Shenzhen would stop work at every turn.
No one wants to throw away their hard-earned money in vain, and they can't even get a house.
With the instability of income, everyone is watching their wallets tightly.
Let me spend a small amount of money, take a trip, go to the next restaurant, play in the playground, and get a few thousand dollars.
Let me exhaust all my savings, even take out a loan for twenty or thirty years to buy a small house, and still live a 9-to-6 life, it feels meaningless and not worth it.
In the past, I tried my best to make a lower down payment and borrow more, as if the saved down payment could really get a higher yield.
Now many people have calculated that there is no better investment project, so it is better to pay more down payment honestly, and there will be much less pressure to repay the loan in the future.
And people with a small or insufficient down payment will naturally slow down the pace of buying a house.
In short, whether you have a deposit in your hand or a little tight on hand, the wait-and-see mood for the house is gradually getting bigger, and there are too many possibilities in the future, so that everyone pays more attention to the current life.
It's even more important to live well now, not to put too much pressure on yourself.