Is it appropriate to rent a house in a first-tier city or cost-effective to buy a house?

Other first-tier cities are unfamiliar. Let's say Beijing for your reference. In my opinion, the choice of renting or buying depends on how much money is in the bag. If you have money, do it when you should. If you have no money, you can rent a house without affecting your living standard.

First of all, I want to report on the changes in housing prices in Beijing in the past 20 years, taking the housing prices around our home as an example.

Before 2000, the new house was 2000-3000 yuan/square meter, which was already a good house. Before renting a house, it was several hundred yuan per month, 600-800 yuan. As for second-hand houses, I didn't pay attention. At that time, there was no concept of second-hand housing, or it was a little small. I can't remember clearly. I remember the price of this new house because my parents discussed whether to buy a bigger house to improve living conditions.

In 2005, there was a new plate with the slogan of 6000 yuan/square meter. I thought I was crazy. Can anyone buy such an expensive house? The rent has probably gone up to 1000- 1500 yuan.

In the 2008 Olympic Games, a new set of plates was introduced, starting at 20,000 yuan/square meter. I like this building very much, with simple and lively design, bay window balcony and garden-style community. Neighbors around compare this farce to the "joke" of the property, as if this quotation was a joke. The rent is about 1800 to 2300 yuan.

In 2009, house prices fell, and the "joke plate" quoted 18000 yuan/square meter, and neighbors were still telling jokes:

"Have you heard? The price of so-and-so plate has been reduced! It has dropped by 2,000 yuan per square meter! "

"Then what?"

"Well, it has nothing to do with us. Because whether it is 20,000 or 18000, we can't afford it. "

The rent is maintained at around 2400.

In 20 12, the "joke board" rose to 40,000/m2 (now the price of second-hand houses), and the rent rose to 2,700 to 3,200. As long as the neighbors hear who bought the "joke disc" before, they will give him three words: "You sent it!" If you live in a house for three years, your assets have doubled, and a house bought by 2 million can be sold for 4 million.

20 14, I want to buy a "joke disc". I am optimistic about the floor, area and everything. Less than 500 square meters, 2.65 million. Because I wanted to reduce it to 2.6 million, I had a tug-of-war with the seller for two days, and finally another buyer sold it for 2.7 million. I am depressed and have no interest in seeing the house. The rent is about 3400 yuan.

This spring, I saw the same apartment offer 7 million. So far, I have fallen in love with "Laughter Disc", which has nothing to do with it. The rent has risen to more than 4500.

Finally, I want to say that no matter whether the house price goes up or down, you can buy a house if you just need it, because you may want to buy it and can't afford it when you have money.

But if the money is not enough, carrying heavy debts, steamed bread and pickles every day, and crowded buses all year round, is it worth buying a house? I don't think it's worth it Would you rather live in your own humble abode with chaff, or in a rented house with four dishes and one soup? I choose the latter, life is short, and I can't wronged myself at any time. Living every day well is the greatest value of life.