With a deposit of 800,000 in hand, it is wiser to consider whether to buy a house or deposit in the bank in two years?
I have 800,000 savings in my hands, and in the next two years, will I buy a house or keep my money in the bank? This question has been bothering many people. That's everyone's hard-earned money! I see, it still depends on your own specific situation.
First of all, you have to think about your need for a home. If you currently live in a dilapidated cottage or are uneasy about renting, buying a home may be a good option. With a home of his own, he will feel much more at ease. But buying a house is not easy.
You have to know the changes in the local housing ** to decide whether it is a good opportunity to make a move. You also need to calculate your current financial resources and whether you can afford the mortgage. This needs to be carefully considered.
Second, you need to calculate your earnings. If you are confident in your investment ability and have a certain amount of money**, then keeping your money in the bank may not be the best way. Anyway, in these years, the interest is not very high, and it takes several years to save up to an income of tens of thousands.
However, this is not without risk! You have to do a good job in the ideological construction in your heart, if you lose it, won't the 800,000 yuan be wasted? Therefore, before making any choice, you must do your own risk assessment to determine whether you can take this risk.
Then there's the stress in life. If you're currently living a stressful life and your monthly paycheck is tight, buying a house can make your life even more strained.
After buying a house, you have to pay the mortgage every month, which is quite a big expense. However, if you feel that you are living a stable life and have money in your hands, then you can go and buy a house. Because you have your own home, you can decorate it the way you like and make your life more comfortable.
Of course, there are other aspects involved. For example, your career development plan, your family situation, etc. If you're planning to change cities or jobs in the next few years, buying a home may not be a good idea. After all, this house is so big, it is not easy to sell it again. However, if you feel settled in the city and your family is harmonious, you can consider buying a home as a long-term plan.
In short, the more than 800,000 yuan in cash depends on your own economic situation, whether you buy a house or deposit it in the bank. You need to combine your housing needs, return on investment, life stresses and other factors to make an informed decision. However, no matter what you do, be careful and don't follow blindly. You've earned it so hard!
If you're going to buy a house, you'll need to choose carefully. Don't run into the sales hall and let the salesman cheat you. First of all, you must have an understanding of the local real estate in order to judge which house is the most cost-effective. I also have to go to the scene to see if the quality, house type, and surrounding environment of the house have met my expectations. Don't forget to negotiate with the real estate developer to get the maximum discount possible.
Even if you're going to save, think about it. Don't invest in one go, diversify and reduce risk. You can also buy financial products from banks, or choose relatively fixed funds to invest. Of course, there is a certain risk in this, and you have to be aware of this. Don't forget to check your bankroll frequently and make appropriate adjustments to your strategy.
All in all, I have 800,000 savings in my hand, should I buy a house or save it in the bank. You should proceed from your own reality and not blindly follow it. No matter what you do, be careful not to let your hard-earned money go to waste. I hope this article will be helpful to you, and may you have more wealth and happiness in the days to come!