In today's society, houses have always been a hot topic. Because in our country, the house is not only a place to live, but also a symbol of social status and economic strength. However, as house prices have risen to prohibitive levels, buying a home has become an insurmountable problem for the vast majority of people.
Because of this, some people choose to become "house slaves", while others choose to continue to live the life of "renters". So, "house slaves" and "renters", whose life is more difficult? Regarding this problem, some insiders said: Ten years later, the gap will gradually appear.
1. The life of a "house slave".
For those who choose to take out a loan to buy a house, they often need to bear greater financial pressure. Because before they pay off their mortgage, they need to pay off a loan on time every month, which will undoubtedly take up a large part of their income.
According to relevant information, the down payment ratio in many areas is basically 20%. That is to say, if you buy a house worth 2 million, you need to pay a down payment of about 400,000 yuan, which is already bankrupt for ordinary people.
Moreover, in the process of buying a house, there are some other expenses, such as the cost of marriage and childbirth, the cost of raising children, medical expenses, expenses arising from emergencies, etc. These are all large expenditures, and if you buy a house without a financial foundation and a good plan, it is very likely to make life difficult. It can be seen that the financial pressure in the early stage is very great for those who take out loans to buy houses.
However, as time goes on, the life of a "house slave" will also usher in changes, because as the repayment cycle becomes less and less, the financial pressure will gradually decrease when the income is stable. And for those who take out a loan to buy a house, in the event of an economic crisis, they can also reduce the burden by ** house.
It is worth noting that for people who take out a loan to buy a house, try to ensure that their monthly income is 2 or 3 times the amount of the mortgage repayment, so that after paying off the mortgage, there are still enough funds to meet the needs of all aspects of life, otherwise it is very dangerous. Therefore, before you take out a loan to buy a house, you must think twice and make a wise choice.
2. The life of "renters".
The life of "renters" and those who take out loans to buy houses can be said to be completely opposite, and the pressure on "renters" in the early stage is relatively small. Because the first month cost of renting a house is significantly less than the down payment of buying a house. After all, renting a house does not require a high monthly payment like buying a house, as well as bearing the cost of prices, house maintenance costs, and so on.
In addition, there is also the benefit of renting a house, which is that you can choose where you live according to your own needs, and you will not be affected by the pressure of a mortgage.
However, the pressure on the "renters" in the later period is not small. First of all, there may be a situation with rent**, which will undoubtedly increase the financial pressure for renters. If the rent is unaffordable, the renter will definitely choose to buy a house, but if you move frequently, it will not only take a lot of time and energy, but even affect your work and feel insecure.
Secondly, in addition to rent, renting also needs to bear the costs of moving, partial renovation, etc., which will undoubtedly affect the financial situation of renters.
Third, the gap between the two.
With the continuous advancement of urbanization, housing prices in first- and second-tier cities are still likely to be small in the future. This means that people who buy a house in these cities may realize asset appreciation. And people who buy a house can also earn a steady income by renting out their homes. At the same time, you can also use these earnings to invest, such as bonds, **, etc.; Or in line with the new model derived from the policy, such as foreign trade economic consignment, 30-day cycle 1% profit, etc., in order to get more income.
However, people who rent not only cannot enjoy the wealth effect brought by real estate appreciation, but may also face the situation of rent ** in the future. Moreover, renting a house may also face problems such as children's schooling and settling down, educational resources, etc., which will not only make the living situation unstable, but also may bring great inconvenience and risk.
It can be seen that in the next ten years, the gap between "house slaves" and "renters" will become more and more obvious. Although the premise of buying a house will be greater economic pressure, it is possible to obtain stable income and achieve asset appreciation in the future. Although the premise of renters is small, they may face greater uncertainty in the later stage and will be very passive.
In short, there will definitely be a big difference between the lives of "house slaves" and "renters". But no matter which lifestyle you choose, there is no absolute right or wrong, after all, everyone has different needs and different ideas. So, you can make an informed choice based on your personal and family needs.