Many people have taken mortgages for 20 or 30 years and have been fighting for their houses all their lives. Do you think it's worth it?

12 when I first bought a house, it cost more than 2000 a month, and I felt so stressed. At that time, I was only 1000 a month, and my husband was 2000 a month. At that time, my mother thought that she also had spare money in her hand, so she wanted to discuss with her mother-in-law how to exchange some money to repay the mortgage. We are all relaxed. Mother-in-law said that she only had tens of thousands of dollars in her hand, but she didn't want to pay it in the end, so it went away. My husband is close to 10 thousand a month, and 2 thousand is nothing to us He also has about 200 thousand in his hand, which is almost enough to pay off the mortgage. But he doesn't think it's necessary to pay in advance. In the future, 2,000 yuan is nothing at all, but I can leave 200,000 yuan in my hand for working capital investment. When buying a house, the house price was just over 4 thousand, and now the house price has more than doubled. I can't afford to buy a house now, and I don't think I can afford the kind of mortgage that you think is difficult to pay back only for 20 years. Your house has always been stable. Even if it doesn't go up, you are a guarantee. You rent a house to pay the landlord's mortgage. Finally, you don't have your own home. Will 2000 yuan become a house slave in ten years? What about twenty years later? In fact, it is more cost-effective than renting a house. Ten years later, you can't rent a house for 2000 yuan, but my mortgage for 2000 yuan a month has changed my house for 70 years, at least I have a place to live in my lifetime.

My brother-in-law, bought a house in Shenzhen more than ten years ago, 100, with three flat rooms, 300,000.

My brother-in-law was not very motivated either, and he didn't have a regular job at that time.

Buying a house is for children to have a place to go to school.

Considering my low income, I took out a mortgage for 20 years (I don't remember 30 years).

A month/kloc-more than 0/000.

Now that house has risen to more than10 million.

Add inflation.

A month 1000 is really easy.

Other relatives are filled with emotion.

This is probably the legendary fool who is blessed with stupidity.

Although relatives came to Shenzhen early.

But there is no concept of real estate speculation.

Even the best-paid people.

There are only two properties in the name.

So my brother-in-law got off to a bad start.

Plus, I haven't worked hard for so many years

Final results

Actually, it's similar to other relatives.

By the way

Where did all the money earned by other relatives go?

It's all thrown into the stock market (see ... manually)

Personally, I think my brother-in-law is a special case

I borrowed money for decades because I had no money.

It turned out to be quite moist?

My family bought a house two years earlier than my brother-in-law's.

At that time, economic conditions were not good.

But my mother didn't want to keep it that long.

I only borrowed it for ten years

Therefore, the pressure to repay the loan every month after buying a house is still quite great.

My family has been nervous for years.

Then inflation becomes like this.

My mother especially regrets it.

You should keep it for a few more years.

You needn't work so hard.

Later, when the family bought a second house.

As the economy is relatively rich,

I only borrowed it for five years.

Two years passed.

Because I want to buy a third house.

So I settled the balance of the second house directly.

If the second house is loaned for 20 years,

I want to settle the balance ahead of schedule next year.

Will pay more interest.

Advantages and disadvantages of loan term

An objective evaluation can only be given after the loan is paid off.

And after the loan is paid off, (normally) it is usually many years later.

Worth, worth, worth.

Get rich early. Experience tells us that life will give you many opportunities. I don't know if you have the courage, courage, hold on.

In 2002, my husband had the opportunity to be seconded to Beijing. At that time, he asked his friends to find a new property of 140 square meters and 800,000 square meters outside the Third Ring Road in Beijing. The friend knew that we had no money and said that if the money was not enough, he could help us add some.

When I found a house in Beijing, I was too excited to sleep. I calculated there: how much the old house can sell, how much I can borrow from my mother, how much I can collect from my mother-in-law, and borrow a little money if it is not enough.

Within two days, my husband told me that he couldn't go to Beijing, the unit wouldn't let him go, and the house wouldn't be sold. Both husband and wife work here, and it's impossible without a house. If you don't sell the house, the money is really not enough. But I want to be a Beijinger, and I want to live near the Imperial City: "All the houses in Beijing have been found. Honey, let's borrow more money and pay it back slowly. We missed this opportunity. I wonder if there will be another one. Let's bite the bullet and borrow more from your friends. "

My husband calculated for two days, and calculated that if we borrowed money from the bank for 30 years (when the salary was too low), we would eventually have to pay it back to the bank, and the interest and interest were twice as high. My husband advised me: I can't do anything for 30 years, don't tie myself in the house, I'm too tired to live.

So I missed the opportunity to be a Beijinger and a multimillionaire, and now I regret it. For this matter, my husband and I quarreled many times, which made him very anxious. He said, "People all over the country regret it. Don't dwell on the past. We are already rich without loans and foreign debts. "

Alas! "No loan, no foreign debt, I am a rich man", who let me find a husband with a sense of small farmers, who let me covet his face value, his beauty is my fault!

My house has just been mortgaged and I think it's worth it. Tell me how I feel.

Last year, I bought a house with a loan of 1 14 square meters in my hometown. The loan is 300,000 yuan and the repayment time is 20 years. Including the total interest, it is nearly 600,000 yuan. I have to fight for a house for the following reasons, which I think is worth it.

1, because I have been wandering outside for more than ten years after dropping out of school, I have to go back to my hometown every New Year and go out to work after ten days. Everyone who wanders outside has a heart that longs for falling leaves to return to their roots. The golden nest is not as good as the doghouse in my hometown, so I have to buy a house.

It is very troublesome to go to school in other places because the children will soon reach school age. In case of moving and renting a house, I don't know how far it is from the school, which is inconvenient, so if I have a house, my children can go to a supporting school, which is very stable and will help them learn.

3. Because the house is a real estate, the price is rising every year, the inflation is so high, and the money deposit bank is completely devalued, so others say that they can only invest in real estate, just need to live for themselves and invest in value preservation.

4. Because I feel that I have a lot of inertia, I have to put pressure on myself, and I can work harder if I have pressure.

To sum up, although I want to be a house slave for decades and fight for it all my life, I still think it's worth it. Thank you for reading.

13 when I first bought a house, it cost more than 4000 a month, and I felt so stressed. At that time, the salary was very low, and children had to be raised. Now wages are higher than before, but house prices have more than tripled.

In order to buy a house, many people not only emptied their savings, but also emptied their parents' life savings. Even if you pay the down payment, it is not easy to get together.

I gritted my teeth and bought it for my children to go to school. After buying a house, I finally feel settled. I feel that I have a home and I don't have to endure the hard work of moving. Although the house is a loan, it does not occupy the existing funds and does not constitute a huge deprivation of the existing quality of life. I don't feel too much pressure. I buy less clothes and skin care products every month, and I go out to eat less. After buying a house, I feel that my life has found the direction of hard work and my work is more active. The pressure of mortgage will gradually weaken. The pressure was obviously relieved after the first 5 years and 5- 10 years.

Assuming that you don't buy a house but rent a house, the rent for these twenty or thirty years is also quite a lot. The rental market is not perfect, and there are often cases where prices rise at will and tenants are driven out. In addition, there is a huge hidden danger in renting a house, which is the problem of children going to school. In fact, many problems cannot be solved without buying a house.

Buy a house and you will have a stable home. It's worth it! Not only value for money, but also a good value-added tool!

20 12 also bought a house. At that time, the house price here was around 4500. I borrowed money for 20 years and paid it back 1500 every month. At first, I still felt a little stressed. After all, the salary was low a few years ago, and my wife earned five or six thousand yuan a month. I have to support my family. I worry about money every day and regret buying a house on impulse. Gradually, the income is higher and the pressure is less. By this year, our house price has risen to about 12 thousand, and our husband and wife's wage income has exceeded 10 thousand. Look at the current monthly mortgage of 1.5 thousand. That's really not a problem. Hehe, people have no motivation without pressure. Now this mortgage is almost free after ten or twenty years.

15 years ago, I watched my father get up early and get greedy every day, and his monthly income was only 500 yuan. At that time, I made up my mind that I must earn 5 thousand yuan when I grow up for a month, so that my father would not work hard. At that time, this unreachable goal for me was easily realized by me many years later. But I am not happy that my monthly income reaches 5000 yuan, because my life has not changed because of this 5000 yuan, and I have not given my father a good life.

Times are changing, and my goal has changed, becoming purer and purer, that is, paying off the mortgage as soon as possible. For this goal, my experience of life has also changed.

Since I got a mortgage, I have to pay 5,000 yuan a month and 4,500 yuan to the bank.

Since I got a mortgage, my family and I have to be careful about our expenses.

Because of the mortgage, I seldom go out with my friends. When you are away from home, you have to consider the cost of car gas.

Since I got a mortgage, my father is 54 years old and has to work hard for me.

Since I got a mortgage, I'm twenty-six years old and as steady as forty.

Since I got a mortgage, I have a little trouble and I will be afraid to go to the hospital for examination.

Since I got a mortgage, my childhood dream has been successfully realized in my dream.

My life has been a straight line since I got a mortgage.

So I don't think a house with a mortgage for 20 or 30 years is worth buying. It was the best time of our lives. We should have worked hard for our dream, but we dedicated it to the mortgage. So I suggest mortgage to buy a house, but we must ensure that life will not change much after mortgage.

I'm glad to answer this question. I feel that it is worthwhile to buy a house with a loan. My husband and I are both from the countryside. After graduation, we stayed in Yantai. At first, we had to rent a house. At that time, we were very eager to have our own home.

In 2006, my husband and I rented a three-bedroom 1 hall. At that time, the rent was 600 yuan. In order to alleviate the pressure of rent, we rented out the other two rooms, and each room was rented to 200 yuan, so our rent became a monthly 200 yuan. It's troublesome to rent together. * * * Use the bathroom and kitchenette. It is difficult to rush to work and wash every morning, not to mention waiting in line for a bath every day in summer. I think it would be great if I could get a loan to buy a house and have my own home.

In 2007, we bought our first house. Due to limited funds at that time, we only bought a small apartment of 40 square meters. After all the expenses were settled, we spent 90 thousand and more than 20 thousand on decoration. At that time, the loan was 60 thousand. After ten years of loan, I paid back about 800 yuan every month, so I have my own home. Although the house is not big, we feel very happy. We have our own home, a foothold in this city and a sense of belonging. Although there is a mortgage, the pressure of only 800 yuan is not great. Mortgage should be based on personal circumstances. Don't make yourself breathless for buying a house.

As the children grow up day by day, we also have a little savings in our hands. In 20 14, we sold our small apartment and bought our present house with a new loan. The loan for this house is 300,000 yuan, the loan period is ten years, and the monthly repayment is about 3,200 yuan. When I paid back 3200 yuan, I felt pressure, pressure and motivation to live. My husband and I work hard every day. So far, we have paid it back for five years. I feel very gratified to think that in five years, our mortgage will be paid off.

If I didn't borrow money to buy a house step by step, I would have to save enough money to live in my own house, and the rate of house price increase will always be higher than that of our income. As long as it is the mortgage amount I can afford, I think it is better to buy a house with a loan.

I was in Zhongshan, and the national property market was in a downturn in 14, and Zhongshan was no exception. Many existing houses were not sold out at that time. The house prices of Zhongshan 14 and 10 are basically less than 5,000 yuan, and the surrounding cities are not ideal, but they are much higher than Zhongshan. I didn't plan to buy a house at that time, so I wandered around. As a result, I saw a real estate with existing houses for sale. 5438+ 10 When looking at the house in June, it was said that the house would be delivered at the end of February. Think about the situation now. Finally, I went to the existing house and saw a really good apartment, so I was moved. Then I made a soft grind and a hard foam. Finally, 4600 parties clinched a deal, with a total price of ***80 square meters and a total price of about 380,000 yuan. Look at it clearly. It's the total price. The down payment is less than 1.2 million, which is low enough. Minutes 15 years, and the mortgage is 2000 yuan per month. It has been five years since this year, and there are still 10 years left. There is basically no pressure to repay the loan, and living in your own house is particularly safe. Don't laugh at my vulgarity, I think this is a reality, because the days of renting a house are really hard.

Later, I heard that a deep middle passage would be built. Then, you know, house prices in Zhongshan began to soar by rocket. In two or three years, the average price rose from less than 5,000 to15,000, and the number of high-quality buildings exceeded 25,000. Think about it. It's only been a few years.

Every weekend, customers from Guangzhou and Shenzhen come to Zhongshan to see the house, wave after wave. They want to stage a tale of two cities. Indeed, for the surrounding cities, Zhongshan has low housing prices, slow pace of life and good environment, so everyone wants to buy a house here for the elderly. In this way, house prices were suddenly fired, leaving more than 3 million Zhongshan locals and migrant workers at a loss. Everyone is asking, what about the livable city in front of us? Where did it go? How many wage earners have been driven away by high housing prices? Look at the current economic growth in Zhongshan, the lowest in the Pearl River Delta, thanks to high housing prices.

Now I'm buying a house in Zhongshan, the full amount 14, and the down payment 19. Think about the pressure. Besides, if you want to get married at present, the house is still a hard indicator. Don't mention naked marriage to me, it's just your incompetence. So, in any case, you have to buy a house, even if it is not for appreciation, you have to give your family a shelter from the wind and rain.

So, it depends on how you struggle! Come on, Sao nian!

It depends on your salary and how much the mortgage is paid in January. Those whose wages are not high enough to pay the loan are house slaves. If the salary is high enough to repay the loan, it is an investment in the house.

For example, in my family, my husband's salary is 6000 yuan in January, and he has a two-bedroom loan house under his name, and the loan is repaid 1600. The pressure is very small. My monthly salary is1.2000, and I bought a one-bedroom apartment and repaid the loan1.2000. After the renovation, I rented out the monthly rent of 1.300 yuan, and there was no pressure to rely on the rent to support the loan. I bought a small house for my children to go to school. The school district is better. It was 6,600 yuan when I bought it, but now it has risen to 1.65438+ 1 ten thousand yuan, and I can earn an extra 200,000 yuan. Buying a house is not a house slave at all, but an investment. I don't have much money in hand. Once I was rich, I bought a suite and a small house, and the down payment was low, so I had to rent it out to collect the rent.

But if you are in a big city, or buy an expensive house with a monthly salary of 8,000 yuan and a monthly mortgage of 5,000 yuan, you will be really tired and become a house slave, and your quality of life will be affected. You dare not resign and get sick. Once something goes wrong, your life and mortgage are hard to be guaranteed.

Therefore, whether it is worthwhile to buy a house as a house slave depends mainly on whether you are a house slave or an investor in the house.